What Is the Difference Between Compulsory Traffic Insurance and Comprehensive Cover?
Understand how compulsory third-party insurance and optional comprehensive motor insurance differ in scope, limits and protection.
Compulsory traffic insurance and comprehensive motor insurance do not cover the same risks. Compulsory insurance protects against damage caused to third parties within legal limits. Comprehensive insurance is optional and may cover damage to the insured vehicle according to the selected policy.
What does compulsory insurance cover?
Its primary purpose is to meet third-party property damage and bodily injury according to fault and policy limits. Repair of the insured person’s own vehicle is not its basic scope.
What may comprehensive insurance cover?
Depending on the policy, collision, overturning, fire, theft and add-ons such as natural disaster, glass, roadside assistance or replacement vehicle may be included. Coverage differs by insurer and product.
What should be compared?
- Coverage and exclusions
- Deductible amount or rate
- Authorised or independent repair network
- Original or equivalent-parts conditions
- Replacement-vehicle period
- No-claim protection terms
- Flood, hail, earthquake and key-loss cover
Is the cheapest policy best?
A low premium may come with a high deductible, limited repair network or narrow cover. Compare offers on equal terms.
Insurance during a sale
Transfer requirements are subject to current rules. Confirm the conditions in effect on the sale date with the insurer and notary.
The Toruklar Group approach
Toruklar Group evaluates purchase price together with insurance, maintenance, tax, tyres and likely repairs as the total cost of ownership.
This is general information; policy terms and current legislation prevail.
