Kasko vs Compulsory Traffic Insurance: What's the Difference?
Both policies relate to your car but cover completely different things. Which covers what, and which is mandatory?
Updated: 2026-08-09 · 5 min read
The two policies car owners confuse most are kasko and compulsory traffic insurance. Despite similar names they are not interchangeable; one is a legal requirement, the other optional but often a lifesaver. In short: traffic insurance protects the other party, kasko protects you.
What does compulsory traffic insurance cover?
Compulsory motor third-party liability (traffic) insurance covers the material and bodily damage you cause to third parties in an accident, within legal limits. It is mandatory by law; driving without it means fines and having the vehicle taken off the road. However, it does not pay for damage to your own vehicle.
- Material damage to the other vehicle and third parties
- Treatment and compensation for people injured in the accident
- Limited to legally defined coverage caps
What does kasko cover?
Kasko is optional and covers damage to your own vehicle: collision, roll-over, fire, theft and natural disasters such as flood or earthquake. Scope expands with the package you choose; add-ons like replacement car, glass, lost keys and roadside assistance can be included.
- Collision, crash and roll-over damage to your own car
- Theft, fire, natural disaster
- Replacement car, roadside assistance, glass and minor repair (add-ons)
Which is enough for me?
Traffic insurance is legally required; you cannot drive without it. But if the value of your own car matters to you, traffic insurance alone is not enough — if an at-fault accident is yours, you pay for your car's repair out of pocket. That's why we recommend both together for most drivers who want to protect their vehicle.
As Seferihisar Sigorta we compare both traffic and kasko offers from 30+ insurers and send you the best combination for your needs and budget on WhatsApp within minutes.
Frequently Asked Questions
Is kasko mandatory?
No, kasko is optional. Traffic insurance is the mandatory one. However, only kasko covers damage to your own vehicle.
If I only have traffic insurance, is my own car's damage paid?
No. Traffic insurance only covers the other party's damage. You need kasko for your own vehicle's damage.
Is there a discount if I take both together?
Most insurers offer better pricing to customers who bundle policies. We evaluate this for you in the comparative quote.