Täyskaskovakuutus

Täyskaskovakuutus, often referred to simply as kasko in Finland, is a comprehensive voluntary insurance coverage for motor vehicles. It is designed to cover damages to one's own vehicle that are not typically included in mandatory traffic insurance (liikennevakuutus). Traffic insurance primarily covers damages caused to other parties in an accident.

Täyskaskovakuutus typically includes several different types of coverage. One common component is the partial kasko (osakasko), which might cover damages from fire, theft, or collisions. A more extensive option is the full kasko (täyskasko), which usually encompasses all the protections of a partial kasko and adds coverage for damages caused by the policyholder themselves, such as accidents due to their own fault. This can also extend to cover damages from vandalism, natural disasters, or animals.

The exact coverage and limitations of täyskaskovakuutus vary significantly between insurance companies and specific policy terms. Policyholders should carefully review the details of their contract, including deductibles (omavastuu), exclusions, and any optional add-ons, to ensure the coverage meets their needs. Täyskaskovakuutus is particularly recommended for newer or more valuable vehicles where the cost of repairs or replacement would be substantial. It provides an added layer of financial security for vehicle owners.