By number of claims, glass damage is typically casco's most common claim; by claim amount, though, collision damage is the largest claim group. Collision cover is therefore the backbone of casco – and this is exactly where the deductible and depreciation settings matter most.
- Collision cover pays out even when you're at fault – one of casco's biggest advantages over MTPL.
- The typical scope: crashes, fender-benders, parking damage, vandalism, pothole and wildlife-collision damage – exact definitions depend on the policy.
- Two dials tune the payout: the deductible structure and the depreciation rule – these are what we check first when comparing policies.
What does collision cover pay for?
At its core is collision damage: with another vehicle, an object, or roadside furniture – even when you're at fault. This typically includes parking damage (the case of an unknown driver has its own article), vandalism (typically requiring a police report), and, depending on the policy, pothole damage and wildlife collisions. Rolling over and skidding off the road are also typically covered – the details sit in the list of insured events.
Deductible and depreciation: where the payout is decided
With collision damage, the claim often falls in the range of a few-panel bodywork repair – exactly where the deductible's minimum amount matters in practice: for a small claim, most of the repair may end up staying with you. So the structure you choose isn't a minor detail: choosing a deductible. The other key factor is depreciation: on an older car, an age-based deduction can apply to certain replaced parts – policies differ in what it affects and by how much.
At the scene: what to do after a collision
Safety first: hazard lights, a hi-vis vest, and an emergency call if needed. Then document: photos from several angles (wide shots plus close-ups plus number plates), the other party's details, and a completed accident report form if there is another party. Even if the car is damaged but still drivable, think through whether it's safe to continue. Reporting goes through the insurer's claims line or online portal – the full process: collision damage in practice and the claim-reporting checklist.
Curious how your current policy would handle a typical fender-bender? book a free 20-minute consultation →
