CASCO Insurance: Why Is It Important to Protect Your Car?

From autumn rains and wet roads to winter frost, your car can face different risks throughout the year. Even the most careful driver cannot predict every situation that may occur on the road or in a parking lot.

Imagine you have just purchased your dream car, but one day, when returning to the parking lot, you notice that someone has damaged it. Or perhaps you have been involved in a collision with another vehicle and your car needs repairs.

In such situations, repair costs can be quite high. Moreover, damage can occur not only on the road but also while your car is simply parked.

This is where CASCO insurance comes in handy. It helps protect your own vehicle and, in cases covered by your insurance policy, provides compensation for the damage incurred.

What Is CASCO Insurance?

CASCO is voluntary motor insurance designed to cover damage caused to your own vehicle.

Unlike MTPL (Mandatory Third-Party Liability Insurance), which covers damages you cause to third parties, CASCO protects your own car.

Who Needs CASCO Insurance Most?

The need for CASCO insurance depends not only on the value of your car but also on your driving habits and how you use it.

For example, if you have recently purchased a new car, you will likely want to preserve its appearance and technical condition for as long as possible. If you drive to work every day, frequently navigate busy city streets, or travel long distances, the likelihood of your car being damaged in different situations increases.

And if you usually park your car in a courtyard or an outdoor parking area, you should also consider risks that may arise even when you are away.

CASCO is particularly useful for those who prefer not to bear repair costs themselves every time their car is damaged and would rather plan ahead for potential financial risks.

What Happens When Your Car Gets Damaged?

One of the advantages of EFES CASCO insurance is that if your car is damaged, you don't have to find a repair center yourself, arrange the repairs, or cover the entire cost on your own.

For example, your car may be damaged in an accident, or someone may scratch it while it is parked. If the incident is covered by your insurance policy, you can contact EFES, and our specialists will guide you through the claims process. You can also submit a claim through the mobile app, without wasting time on additional calls.

Depending on the circumstances and your insurance policy terms, repairs can be arranged at leading service centers, or you may receive financial compensation.

This means that in the event of unexpected damage, you receive not only financial protection but also assistance throughout the vehicle repair process.

What CASCO Insurance Options Does EFES Offer?

Every car has different protection needs, which is why EFES offers two types of CASCO insurance: EFES Autocare and EFES Autocare All Risks.

EFES Autocare

EFES Autocare offers several packages with predefined risks and coverage limits. You can choose the level of vehicle protection that best suits your needs and preferences.

The packages differ in their maximum compensation amounts and included coverage, allowing you to select the level of protection that works for you.

EFES Autocare All Risks

If you prefer comprehensive protection against all risks, EFES Autocare All Risks is designed to insure your vehicle against a wide range of risks, up to its full market value. This CASCO package covers almost all types of risks, including tire damage and unexplained damage.

What If You Need Assistance on the Road?

In addition to insurance coverage, your car may also need roadside assistance. For example, your car may fail to start, you may have a flat tire, run out of fuel, or need your vehicle to be towed.

For such situations, EFES offers the EFES Roadcare Assistance service package, which you can purchase together with your CASCO insurance.

The service includes:

• Vehicle towing

• Mobile tire repair

• Fuel delivery

• Battery jump-start assistance

• Other essential roadside assistance services, depending on the selected package.

Protection in Every Season

Preparing your car for winter is important, but taking care of it is not just a seasonal concern. Unexpected situations can happen at any time of the year, even when your car is simply parked.

Choose the CASCO insurance option that best suits your needs and complement it with assistance services whenever necessary.

For more information, fill out the application form here, and our specialists will get in touch with you to offer CASCO insurance tailored to you and your vehicle.