Trafikte can ve mal güvenliğini sağlamak amacıyla alınabilecek en büyük önlemlerden biri kasko hizmeti almaktır. Çünkü siz ne kadar iyi ve dikkatli bir sürücü olsanız da trafikteki diğer sürücüler sizin kadar dikkatli olmayabilir. Ayrıca doğal afet ve çalınma gibi durumların önüne geçmek, siz çok isteseniz de maalesef çok mümkün olmayabilir. Bu gibi durumlarda kaskonun önemi artar.
Kasko nedir? Ne işe yarar?
Kasko isteğe bağlı yapılan sigortalardan biridir. Kasko aracınızın, deprem, yangın, çalınma gibi risklere karşı aracınızı koruyan ve oluşabilecek hasarları tazmin eden bir sigorta türüdür.
Kasko bedeli hesaplanırken nelere bakılır?
Kasko bedeli, Türkiye Sigorta ve Reasürans Şirketleri Birliği (TSB) tarafından düzenli olarak güncellenilerek bildiriliyor. Her ay düzenli olarak yayınlanan listede araçlar yaşı, markası ve modeli gibi kriterlere göre sıralanır. 15 yaşından küçük araçlara uygulanabilen kasko bedelleri aracın geçmişi, araç sahibinin eğitim seviyesi, mesleği gibi faktörlere göre değişkenlik gösterebiliyor.
Kasko teminatları nelerdir? Kasko hangi durumları kapsar?
Kazalar: Kasko, trafik sigortasından farklı olarak sadece karşı taraftan kaynaklı kazalardan dolayı oluşabilecek hasarları değil sizden dolayı da meydana gelen kazalarsa hasarınızı kısmen ya da tamamen karşılar.
Yolda kalma: Kaza ya da aracınızda meydana gelecek bir arıza sonucunda yolda kalmanız durumunda çekici hizmeti hayat kurtarıcıdır. Bu nedenle kasko belirli durumlar ve limitler dahilinde ücretsiz çekici hizmeti sunar.
Doğal afet: Dolu, yangın, sel, yıldırım düşmesi, deprem ve diğer doğal afetler sonucu ortaya çıkabilecek zararları da telafi eder.
Çalınma: Çoğu sigorta şirketi ek ücret karşılığında aracın çalınma teşebbüsü veya çalınması durumlarını teminat altına alır.
Sağlık sorunları: Kasko teminatları içerisine ekleyeceğiniz sağlık hizmetleri sayesinde başınıza gelebilecek kaza sonucunda ortaya çıkacak yaralanma, ölüm gibi can güvenliği ile ilgili durumlarda da destek alabilirsiniz.
Kasko ne zaman devre dışı kalır?
- Uyuşturucu madde kullanımı ve karayolları trafik kanununun belirlediği sınırlar dışında alkol alımı.
- Ehliyeti olmayan kişilerin aracınızı kullanırken meydana getirdiği hasarlar.
- Aracın taşıma kapasitesinin geçilmesi.
- Aracın orijinalliğini bozan değişikliklerden dolayı meydana gelen hasarlar.
- Savaş durumları.
- Nükleer zararlar.
Beğendim
Alkışlıyorum
Düşünceliyim
Acayip Güzel
Çok Kızdım
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Cool website!
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Not good.
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