Täyskasko

Täyskasko, or full casco, is the most comprehensive level of motor vehicle insurance available in Finland. It is optional and sits on top of the mandatory liikennevakuutus, which covers damages to others. Täyskasko extends coverage to many scenarios that affect the policyholder’s own vehicle.

Typical coverages include damage to your own car resulting from collisions or overturning, theft or attempted theft, vandalism, fire, and damage caused by natural phenomena such as hail or flooding. It often also covers glass breakage and may include services such as roadside assistance and a temporary replacement vehicle during repairs. Exact inclusions and limits vary between insurers and individual policies, so terms should be reviewed carefully.

Exclusions and limitations vary by policy but commonly include damages arising from wear and tear, mechanical failure not linked to an accident, driving under the influence of alcohol or drugs, or illegal use of the vehicle. Some policies may restrict coverage for racing or use in professional competitions and may apply deductibles or caps on certain events. Repairs may need to be performed at approved workshop networks.

Choosing täyskasko depends on the vehicle’s value, age, and the owner’s risk tolerance and budget. It is typically more expensive than osa kasko but provides broader protection for the vehicle itself. When comparing policies, buyers should check deductibles, whether windscreen and glass are covered, the inclusion of rental car during repairs, and any special conditions or exclusions.