Kasko sigortası aracınızın ve karşı tarafa verebileceğiniz zararın risklerini teminat altına alan sigortadır. Daha önceki yazımda kasko sigortası içinde bulunan Ana teminatlardan bahsetmiştim. Bugün ise kasko sigortasının içinde bulunan diğer teminatlardan bahsedeceğiz ki poliçenin tanziminde mutlak dikkat etmemiz gereken unsurlardır.
–İMM(İhtiyari Mali Mesuliyet) : Karşı araca vermiş olduğunuz riskleri 50.000 tl den sınırsıza kadar karşılayan teminattır. Trafik sigortasının 50.000 tl yi aşan kısmında devreye girerek almış olduğunuz teminatlar dahilinde ödeme yapacaktır. Burada verilen İmm teminatında Manevi ödemenin dahil olup olmadığını da muhakkak sormalısınız.
-Anahtar Kaybı : Günümüz şartlarında yükselen piyasa ile araç anahtarlarının fiyatları yükselmiş bulunmaktadır. Anahtarınızın başına gelebilecek bir durumda, bu teminat devreye girerek hasarınızı karşılayacaktır.
-Rayiç Bedel Koruma : Bu teminat şu an hemen hemen her poliçede yer almaktadır. Rayiç bedel koruma kasko yaptırdığınız günkü araç bedelinin araç pert olduğunda yükselmesi karşılığında , araç bedelinin ödenmesinde piyasa koşullarının değerlendirmesini sağlamaktadır.
-Orjinal Cam Teminatı : Dikkat edilmesi gereken önemli teminatlardan birisidir. Zira Araç camınızın kırılması durumunda aracınızın camının yetkili serviste mi yoksa anlaşmalı cam servislerinde mi değiştirileceği konusunda ve takılacak olan camın orjinal parça mı eşdeğer bir parça mı takılacağının belirlendiği teminattır.
-Yanlık Akaryakıt Teminatı : Çevrenizde muhakkak yanlış akaryakıt dolumu yapılmış ve bundan dolayı hasar almış araçların anlatıldığını duymuşsunuzdur. Bu teminat bu şekilde almış olduğunuz hasarlara karşı sizi korumaktadır.
-Kemirgen Teminatı : Kemirgen teminatı fare vb. hayvanların aracınıza vereceği hasarlara karşı sizleri korumaktadır.
Kasko sigortanızı yaptırırken sigortacınızdan detaylı bilgiler istemeyi unutmayınız.
Sorularınız için bize ulaşabilirsiniz
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