Is the excess applied per damaged part or per accident?

At Caser Expat Insurance, unlike other insurance companies, the excess amount set for your Comprehensive Car Insurance applies to the total cost of the vehicle’s repairs, rather than being split by parts or sections, provided that all damage occurred in the same accident.

In the case of parking damage, a claim will be opened for each damaged side of the vehicle with a maximum of 5 claims possible. The excess specified in your Policy Schedule will apply to each claim and must be covered by the policyholder.

However, at Caser Expat Insurance, our main priority is you. We are committed toy our satisfaction, especially when you need us most. Therefore, if your vehicle is declared a total loss, we will compensate you for 100% of its purchase value, provided it is a private passenger car and is less than 2 years old from the date of its first registration.

If the loss occurs during the 3rd year from the date of first registration, the compensation will be 120% of its market value. From the 4th year onwards, the compensation will be 100% of the market value, with the excess amount deducted.