Underwritten by Quick Sigorta 
KASKONOMİQ is Quick Sigorta's kasko with a deductible. Unlike standard kasko, you agree up front to carry part of any loss: when taking out the policy you choose a 15% or 25% deductible and pay a lower premium in return. The higher the deductible, the lower the premium. The key point is that the deductible is calculated on the vehicle's value, not on the claim amount. When a claim occurs, that share of the vehicle's value is deducted and the insurer pays the rest, so losses below that amount stay with you and the product really proves its worth in major claims. There is no vehicle age limit, so older vehicles can benefit too. We work out together which rate fits your budget.
What is covered?
- Damage from collision, impact and overturning (up to the vehicle's market value, less the deductible)
- Earthquake
- Flood and inundation
- Hail
- Storm
Optional add-on covers
- Choice of a 15% or 25% deductible
- No vehicle age limit
- Courtesy car for 7 days once a year for cars and light commercial vehicles
- Repairs with original parts and a 2-year repair guarantee
- You keep earning your no-claims discount
What you should know
KASKONOMİQ is a Quick Sigorta product, available through our agency. Cover details and exclusions are set out in the policy conditions, and we review them with you before you get a quote.
The deductible equals your chosen percentage of the vehicle's value and is deducted from the payout when a claim occurs. If the loss is smaller than the deductible, nothing is paid, so the product suits drivers who can handle minor damage themselves and mainly want protection against major losses.
Some motorcycle types are excluded: motorcycles of 145 cc and below, ATV and buggy types, cross/off-road, street and supersport/racing models. We check whether your motorcycle is eligible when preparing the quote.
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Frequently asked questions
The deductible is a percentage of the vehicle's value, not of the loss. In Quick Sigorta's own example, a vehicle worth TRY 1.5 million suffers TRY 900,000 of damage: with a 15% deductible, TRY 225,000 (15% of the value) is deducted and TRY 675,000 is paid; with 25%, TRY 375,000 is deducted and TRY 525,000 is paid. The figures only illustrate how the calculation works.
A higher deductible means a lower premium but a bigger share of each loss for you. We put the amount you might have to pay at claim time next to the premium difference and choose the right rate with you.
Yes, there is no vehicle age limit. You can also get a quote for motorcycles that are not in the excluded categories.
Standard kasko generally pays the loss in full within the policy terms, whereas with KASKONOMİQ a share equal to 15% or 25% of the vehicle's value stays with you. In return you pay a lower premium.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.