Kasko sigortası Trafik sigortalarından ayrı olarak zorunlu tutulmayan ve sizin isteğinizle özel olarak yaptırdığınız sigortadır. Yaptırmak yada yaptırmamak tamamen sizin elinizdedir. Ancak günümüz şartlarında araç fiyatlarındaki pahalılık ve buna istinaden birçoğumuz için kapımızdaki sermaye olarak nitelendirebileceğimiz araçların başına gelebilecek riskler mal canın yongasıdır şiarıyla canımızı acıtacaktır.
Bu anlayışla yaptırmış olduğumuz kasko sigortalarında özellikle yapmış olduğunuz araştırmalarda bazı şirketlerin çok yüksek bazı şirketlerin ise yüksek fiyata göre çok düşük fiyatlar verdiğini görmekteyiz. Tabi ister istemez bu aradaki farkın nedeninin de sorgulanması gerekiyor.
Şirketler bazen model yılı bazen araç markası bazen ise sigortalı geçmişine göre fiyatlandırma yapmaktadır. Size en uygun olarak sunulan kasko şirketinin servis ağından , hasar ödemelerine ve özellikle içerisinde dahil olan teminatlara dikkat etmek gerekir.
Misal vermek gerekirse damper kasalı bir aracınız varsa damper iniş kalkışında yaşanacak hasarlarda birçok şirkette muafiyet bulunabilmektedir. Uygun olarak yaptırdığınız kaskoda bu konuda bir muafiyet var ve sizde böyle bir hasar aldıysanız mağdur duruma düşeceksiniz.
Özetle 100-200 liradan kaçmadan sağlam güvenilir ve teminatlarına tam olarak hakim olduğunuz bir şirketi seçmenizi tavsiye edebiliriz.
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