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Elit Kasko

Elit Kasko Insurance rewards private vehicle owners with a no-claim discount of 40 percent and over.



  • Hitting and Getting Hit

    İrCoverage for material damages that arise when a stationary or moving object involuntarily hits your vehicle; or when your vehicle hits or collides with such an object; or when your vehicle rolls, falls over or overturns; or when third parties cause damage with malicious intent or as a prank.

  • Rollover, burning, theft:

    Coverage for material damages as a result of rollover, burning or theft.

  • Strike, lockout, civil commotion, terror damage:

    Coverage for damage to your vehicle as a result of civil commotion.

  • Malicious acts by third parties:

    Third parties may act with malicious intent or play pranks. Not a worry! They are covered.

  • Damage from cigarettes and similar substances:

    Coverage for damage, except fire, to your car as a result of contact with cigarettes and similar substances

  • Damage from unauthorized towing recovery:

    Your vehicle may be damaged due to unauthorized towing recovery. Not a worry! It is covered.

  • 0-km clause, new value coverage:

    In the event of total loss (burning, theft or getting totaled) to your 0-km vehicle within the policy period (maximum 12 months), Groupama will cover the loss based on the on-the-road* sales price at the claim date. The new replacement vehicle will feature the same brand, model, type and accessory features. On-the-road expression means the vehicle’s current cash market value (including taxes, duties and charges), stamp duty for half the year, and notary public, license plate number, registration, and similar expenses (except for the Traffic Policy Premium).

  • Damage from unauthorized towing recovery:

    Your vehicle may be damaged due to unauthorized towing recovery. Not a worry! It is covered.

  • Theft with original key, lost key replacement expenses:

    You car key may get lost or a thief may damage your key system. Not a worry! It is covered.

  • Not factoring in depreciation:

    In the event of an accident or damage, our insurance appraiser will deduct the value of the new parts in your vehicle from the compensation amount that will be paid after the accident. This ensures that the value of your vehicle just before the accident is not higher than the value at the time of obtaining the casco insurance.

  • No-claim discount promise coverage:

    For each year that you do not use the casco policy, you will earn a no-claim discount. This increases for each day that passes without damage to your vehicle. No-claim discount generally begins with 40 percent and can go as high as 60–65 percent so long as no damage is sustained. No-claim discount promise coverage comes into effect at this moment, offering insurance advantage for casco owners who do not want to lose years of no-claim discount because of one incident.

  • Purse-snatching coverage:

    Provides insurance coverage up to the policy limits against the risk of mugging (purse-snatching) by malicious people with regard to insured objects with monetary value or a spouse who is in or out of the vehicle.

  • Faulty fuel coverage:

    Coverage per incident for up to a certain amount during the policy term for the damages incurred due to wrong or fault fuel. This may occur with or without malicious intent while getting fuel at an authorized gas station.