Kasko Types: The Difference Between Narrow, Extended and Full Kasko
Saying "I got Kasko" doesn't actually specify one single thing — on the market there are four different coverage levels sold under the names Dar Kasko (Narrow Kasko), Kasko, Genişletilmiş Kasko (Extended Kasko) and Tam Kasko (Full Kasko), and these are not marketing labels but official product names defined in the General Conditions for Land Vehicle Kasko Insurance (Kara Araçları Kasko Sigortası Genel Şartları). The General Conditions clearly lay out which product includes which coverages, and require the policy's title to be printed in at least 16-point type matching the product actually sold (TSB). In this article we explain the differences between the four coverage levels, the optional add-ons that can be attached, and what to check when buying a policy — with the primary source cited throughout.
Why kasko types exist: the official definition in the General Conditions
Article A.1 of the General Conditions first defines a common base coverage group: the vehicle colliding with another vehicle on the road; accidents such as hitting a fixed or moving object, overturning, falling, or rolling; malicious acts by third parties; the vehicle catching fire; and theft or attempted theft of the vehicle or its parts (TSB). The four product names differ based on how much of this base group, and which additional risks, are included in the policy — so the answer to "which kasko is this" is already written on your policy's title.
Dar Kasko (Narrow Kasko): the most limited coverage
Dar Kasko is defined in the General Conditions as "the product in which coverage is provided for only some of the above coverage groups" (TSB) — meaning not all of the collision, impact/overturning, fire, and theft groups are covered, but only the portion specifically listed in the policy. For example, a policy that covers only collision and fire but excludes theft counts as Dar Kasko. Although this may look cheap, it is the narrowest-coverage product on the market; it should never be signed without checking, line by line, which risks are included and which are excluded in the policy text.
Kasko and Genişletilmiş Kasko (Extended Kasko): the middle tier
Although the name "Kasko" is often used loosely as an umbrella term for the whole product family, in the General Conditions it is in fact a standalone product: a mid-tier product in which all of the base coverage groups are provided, but the risks that can only be added via a supplementary agreement (earthquake, flood, use abroad, etc.) are not included (TSB). Genişletilmiş Kasko (Extended Kasko) goes one step further: in addition to all of the base coverages, it also includes some of the risks that can be added via a supplementary agreement (for example, only earthquake-flood) (TSB). Which additional risks are included is again spelled out item by item in the policy; the word "extended" does not mean all additional risks are covered.
Tam Kasko (Full Kasko): the broadest protection
Tam Kasko is the most comprehensive product defined by the General Conditions: it is the product in which all of the base coverage groups and all of the risks that can be added via a supplementary agreement are included in the policy (TSB). This product offers the broadest protection for a new or valuable vehicle, but even the name "full kasko" does not automatically include separate insurance branches outside of kasko itself, such as İhtiyari Mali Mesuliyet (Optional Third-Party Liability) or personal accident cover — we clarify this distinction in the section below. We cover how the premium is determined, and where the price difference between the levels comes from, in our article Kasko prices 2026.
Optional add-ons: what to watch for in the policy
Article A.4 of the General Conditions lists, one by one, the risks that can only be brought into coverage via a supplementary agreement; these are the actual items that distinguish Genişletilmiş Kasko and Tam Kasko from Dar Kasko/Kasko (TSB):
- Earthquake-flood: Earthquake, landslide, storm, hail, lightning, volcanic eruption, as well as flood and inundation, are each counted as separate supplementary-agreement items — these risks are excluded from standard Kasko coverage.
- Coverage abroad: Damage occurring outside Turkey's borders can likewise only be covered via a supplementary agreement; standard coverage applies only within Turkey's borders (General Conditions Art. A.2).
- Key loss/theft: Theft or attempted theft of the vehicle carried out by obtaining the vehicle's key, as well as costs arising from replacing the lock mechanism due to a lost or stolen key, are separate supplementary-agreement items.
- Towing: The General Conditions bring damage sustained by vehicles towed or towing improperly into supplementary-agreement scope; this should not be confused with the roadside assistance/vehicle recovery assistance service that many insurers bundle into their kasko packages — the assistance service is a separate contractual element whose scope and limits vary from company to company, and it should be checked separately in your policy.
The following two items are not covered under A.4 — they are separate insurance branches sold packaged together with kasko, but subject to their own General Conditions:
- İhtiyari Mali Mesuliyet (İMM, Optional Third-Party Liability): This is not part of the Kasko General Conditions — it is a separate insurance branch with its own General Conditions. It covers third-party claims that exceed the coverage limits of mandatory traffic insurance, up to the limits written in the policy (TSB); insurers generally offer it packaged together with the kasko policy.
- Personal accident cover: This too is subject to a separate set of General Conditions; it covers death or bodily injury suffered by the insured as a result of a sudden and external event during the policy term (TSB); it is a common complementary product added to kasko packages for the vehicle's driver/passengers.
On top of these, every policy may also carry a deductible (muafiyet): the insurer may decline to compensate the portion of the damage up to a certain amount or up to a certain percentage of the insured value; under the General Conditions, such deductibles must be stated explicitly in the policy in at least 14-point type (TSB).
Comparison table
| Product | Base coverages (collision, impact/overturning, fire, theft) | Supplementary-agreement risks (earthquake-flood, abroad, terrorism, keys, etc.) | | --- | --- | --- | | Dar Kasko (Narrow Kasko) | The portion stated in the policy | None | | Kasko | All | None | | Genişletilmiş Kasko (Extended Kasko) | All | The portion stated in the policy | | Tam Kasko (Full Kasko) | All | All |
Every row in the table is based on the official definitions in the General Conditions (TSB); separate insurance branches such as İMM and personal accident cover are not included in this table, because they fall outside the scope of the Kasko General Conditions.
Which kasko should you choose?
The right level depends on the vehicle's value and your risk appetite. For an old, low-value vehicle, Dar Kasko or Kasko may be sufficient; for a new, financed/leased, or frequently traveled vehicle, Genişletilmiş or Tam Kasko — with earthquake-flood and abroad coverages — is a more fitting choice. When deciding, you should look not just at the product name but at the policy's coverages section and any deductible amount — because two policies sold under the same name can offer genuinely different protection if their supplementary-agreement coverage differs. You can read about how your vehicle's insured value (kasko bedeli) is calculated, and how post-accident diminished-value compensation is a different concept from the insured value, in our article Kasko value and diminished value, and about what determines the kasko premium in our article Kasko prices 2026. If you'd like to return to the general framework of kasko, take a look at our Kasko Insurance Guide page.