Casco Insurance

For those who say that all casco insurance products are the same

There is a casco insurance suitable for everyone here

If you ask which one is for you

Let us welcome you here

Let’s find the most suitable casco insurance for you

Ray Sigorta has insurance suitable for every need

Let’s find the most suitable one for you

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I am looking for the most suitable casco insurance for my car
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You can find the most suitable casco insurance products for you and your car below.

Ray Casco

Ray Kasko için teklif almak istiyorum

BoB Casco

BoB Kasko için teklif almak istiyorum

Economic Casco

Ekonomik Kasko için teklif almak istiyorum

Basic Casco

Başlangıç Kasko için teklif almak istiyorum

Second Chance Casco

İkinci Şans Kasko için teklif almak istiyorum

Best choice for your vehicle

Why should I prefer Ray Sigorta?

Broad service network

Our contracted auto services located all over Turkey are ready to resolve any problem that may happen in your vehicle.

Detaylı Bilgi

Your vehicle is in safe hands with Express Repair Centers (HOM)

We repair damages under coverage immediately with 100% original spare parts and cover the spare parts and labor under warranty for 1 year.

Detaylı Bilgi

Advantages of no-claim bonus

If damages under the policy are repaired at Express Repair Centers, we protect your no-claim bonus and have it continued as if there was no damage.

Detaylı Bilgi

Towing and courtesy car service

In cases where your vehicle is immobile you can take advantage of road assistance services, as well as courtesy car when your vehicle is in reapairing.

Detaylı Bilgi

On-site and original glass replacement

We offer original glass service with guaranteed workmanship at the requested location, without going to the service.

Detaylı Bilgi

Rest assured even if your vehicle is stolen with the keys

You are covered with motor insurance even if your vehicle is stolen due to the vehicle key being seized, left on or inside the vehicle, or dropped.

Detaylı Bilgi

Casco Insurance Products

Best choice for your vehicle

Casco Insurance

Product Comparison Table

Coverage
Ray Casco
BoB Casco
Economic Casco
Second Chance Casco
Basic Casco
Princess Casco
Scope
Collision
Accident
Fire
Theft
?

Damage to the vehicle or its parts as a result of theft (including key theft) or attempted theft

Damages caused by persons to the vehicle
Damage to the vehicle caused by natural disasters
(?)

EARTHQUAKE-STORM-HAIL-VOLCANIC ERUPTION

?

Only valid if the vehicle is scrapped or partially damaged due to flooding.

Damage to the vehicle due to flooding-deluge
?

Only valid if the vehicle is scrapped or partially damaged due to flooding-feluge

Damage to the vehicle caused by terrorism and/or Strike, lockout, riot, and civil commotion
(?)

Strike, lockout, riot, and civil commotion

Filling the vehicle with the wrong fuel
Becoming unusable of new (0 km) vehicle purchased in the last 1 year
Damage to the vehicle due to cigarette
Damage to the vehicle during towing
Damages due to loss of vehicle key
Damage to the vehicle due to rodents
Damage to vehicle glass
Excess liability
Legal protection 
(?)

Expenses arising from legal liability that may be directed to the insured due to the operation of the vehicle

Personal accident
Discounts
Discounts for specific professions
Contracted Services
Authorized service (Contracted)
Private service (Contracted)
Express Repair Service (HOM)
Authorized service
Private service
Other Services
Roadside Assistance 
(?)

Comprehensive roadside assistance services are offered. Vehicle towing, tire change, accommodation, and transportation services in case of accident or breakdown

Exclusive hotline in case of an accident 
(?)

Comprehensive roadside assistance services

Fuel discount 
(?)

For fuel purchases to be made from Aytemiz fuel stations, 3% discount for gasoline, 5% for diesel, and 10% discount for LPG

O

Optional

O

Optional

O

Optional

O

Optional

O

Optional

Courtesy car
O

Optional

O

Optional

O

Optional

O

Optional

O

Optional

Minor repair 
(?)

Repair of minor damages that do not require replacement of parts and are technically repairable, up to 2 (two) damaged parts per incident, not exceeding 1.180 TRY including VAT in the policy period

O

Optional

O

Optional

O

Optional

O

Optional

O

Optional

Vehicle check-up/inspection
Hail repair

Casco Coverage

Collision

Accidents such as the collision of the vehicle with motorized or non-motorized vehicles that can be used on the highway or railway, or the collision of the vehicle with a fixed or moving object as a result of sudden and external effects beyond the control of the driver, or the vehicle crashing such an object, tilting, falling, rolling over.

Theft

Damage to the vehicle or its parts as a result of theft (including key theft) or attempted theft

Natural Disasters

Damages caused by earthquake, landslide, storm, hail, lightning, or volcanic eruption

Flooding-deluge

Damages caused by flooding and deluge

Things to know when choosing a casco

Frequently Asked Questions

Casco covers your vehicle and you against material damages that may occur due to fire, theft, attempted theft, natural disasters, and accidents. With the additional coverage you can choose, it covers any damage that may happen to your vehicle or bodily injury to the driver and passengers as a result of an accident and the portion of the damages to third parties exceeding the traffic insurance limits.

Casco, which is deemed complementary to compulsory traffic insurance, protects your vehicle and your health in case of possible accident risks. In addition, your vehicle is covered against environmental factors beyond your control, such as theft, fire, earthquake, and terrorism. If you have difficulty replacing it with a new vehicle when your vehicle is stolen or damaged, you should benefit from the advantages offered by the insurance. You can expand the coverage of your policy as you wish with the coverage types you prefer.

After the accident, you can call the Customer Communication Center at 444 4 729 and request emergency assistance or report damage. For damage assessment in your vehicle, you need to deliver the vehicle to the service within 5 business days together with the specified documents .

If you have Ray Club Services coverage, you can call the Customer Communication Center at 444 4 729 and benefit from our roadside assistance services such as towing, car rental, tire change, the professional driver provided under your policy according to the determined limits.

"In order to protect the no-claims bonus, your policy period must be completed undamaged. However, certain cases do not invalidate your no-claims bonus. In the case of damage that you are 100% faultless during the policy period, and if you have only one glass breakage damage, the discount right transfers to the next level in the policy renewal. In case you suffer one damage during your policy term at Ray Sigorta, and this damage is repaired at our HOM services, your no-claim bonus will continue without any change. If it is repaired outside of HOM services, the no-claim bonus is reduced by one level.

More than one variable is taken into account when calculating casco prices. The model, age, license plate province of the vehicle, and past damages of the vehicle and the driver are among the factors that determine the insurance value. Apart from these, the preferred additional coverage and, if any, accessory amounts or no-claim bonus also play a decisive role in the calculation of the premium.

The accessories in the original state of your vehicle are included in the vehicle price. Equipment and accessories added at the factory or later are included in your insurance coverage with an additional premium, depending on your statement.

IMM coverage provides additional protection up to the limit specified in the policy in cases where the limits provided by the compulsory traffic insurance are insufficient for material and bodily damages to third parties. You can choose from limits ranging from 10,000 TRY to 2,500,000 TRY according to your needs.

The IMM coverage limit option you prefer while issuing your casco policy is added to your policy. The portion above the traffic insurance limits is automatically activated and covered by your insurance in case of damage.

A deductible is an amount that the insured is responsible for paying toward an insured loss according to the rate determined in the policy. Cascos with deductibles are lower in price than insurance with no deductibles. Thereby, you can have casco at less cost. The higher the selected deductible amount, the higher the discount rate to be applied. In case of damage, your policy gets activated for the amounts exceeding the selected one; however, if the amount remains below the deductible, you will bear the damage. If the deductible is above the damage cost, the determined deductible is deducted from the indemnity payment.

Our Agencies

Over 1600 Ray Sigorta agencies throughout Turkey are ready to deliver for your needs.

Find the nearest agency

Our Contracted Auto Services

Authorized and Private Services, Express Repair Centers (HOM), and Glass Repair Services, whose number is increasing day by day, are ready to serve you with a sense of high customer satisfaction.

Find the nearest service

Our Contracted Healthcare Institutions

Turkey’s leading health institutions are ready to provide service for your health needs.

Find the nearest health institution

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Sitemizin işlemesini sağlamak için yasal düzenlemelere uygun çerezler kullanıyoruz. Kullanılan çerezlerle ilgili detaylı bilgi almak, çerezleri nasıl kullandığımızı incelemek ve çerezleri nasıl kontrol edebileceğinizi öğrenmek için Çerez Politikası'nı inceleyebilirsiniz.

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