A cover map from basic collision cover through theft and natural perils to the optional extras – no specific premiums, just content. The exact scope of cover differs by insurer: the terms and conditions always govern.
The most common type of claim: collision damage in depth · animal-collision damage.
The "typically" scope of the key-related conditions: theft damage · natural perils.
The everyday-life layer: glass damage · the map of extras.
These categories are for information only: individual insurers classify covers differently (what's basic with one is an optional extra with another), and there's also a narrower, partial-casco direction. That's why, when comparing, it's worth looking at them by content: partial casco or full?
| Cover | What does it protect? | The right question to ask |
|---|---|---|
| Collision damage | Collision, crash, parking damage, vandalism | How big a deductible applies – percentage AND minimum? |
| Theft, robbery | Theft of the vehicle or its parts | What key- and security-related conditions typically apply? |
| Natural perils | Storm, hail, flood, lightning, fire | Exactly which events are on the list? |
| Animal-collision damage | Collision with wildlife or an animal | Basic cover or an extra – and with what deductible? |
| Glass damage | Damage to the windscreen and glass surfaces | Is there a separate glass deductible, and how does it typically work? |
| Rodent damage | Gnawed-through cables, small nuisances | Is it included, and with what limit? |
| Luggage | Personal belongings carried in the car | Up to what limit, under what storage condition? |
| Courtesy car | A replacement car while the repair is underway | For how many days, in what category – typically? |
| Assistance | On-the-spot help, towing, onward travel | What can it be called for, and up to what limit? |
| GAP cover | Value protection for a new car in the event of total loss | How long does it run, and for what value – as a plain fact? |
The table is for information only and doesn't replace reading the terms – the quick guide to reading the terms and the exclusion map help with that.
Casco covers damage to your OWN car. Damage caused to someone else – the other car, the crash barrier, personal injury on the not-at-fault side – is the domain of compulsory motor third-party liability (MTPL) insurance: kotelezo.biz; the borderline between the two is covered by the casco vs. MTPL article. The casco questions of company fleets are a separate field: flotta.biz. The costs of road-traffic legal disputes belong to legal expenses insurance: jogvedelem.biz. Cover for occupants' injuries from an accident: baleset.biz. And passengers' luggage travel cover is the subject of utas.biz – casco's luggage extra and travel insurance are not the same thing.
Free of charge, no obligation – by the end you will see your options and the next step clearly.