CASCO
Full vs partial CASCO: how not to overpay
A full pack covers almost every risk; a partial one covers the most likely. Compare deductibles, theft, glass and weather so the programme matches how you actually use the car.
CASCO is voluntary, so the option set is wider than MTPL. That flexibility confuses people: they either buy everything or drop a risk they actually need just to cut the premium.
What full CASCO usually includes
A full pack covers at-fault and not-at-fault accidents, hitting an obstacle, third-party damage, weather, fire and theft. Roadside help, a tow and glass with no deductible are often added.
That contract makes sense for a new or financed car, where the bank wants broad cover, and for a driver who is not ready to pay for bodywork personally.
When partial cover is justified
- the car is 8–10+ years old and market value is already modest
- it lives in a closed car park, so theft is unlikely
- you can pay for small parts yourself but do not want to risk a total loss
Partial CASCO often keeps collision and total loss while dropping theft or minor damage. That is a fair trade if you know what you are giving up.
The deductible as a price tool
A zero deductible is comfortable and more expensive. A 0.5–1% deductible cuts the premium and filters tiny claims. If you park carefully and rarely drive in dense traffic, a moderate deductible barely shows.
Ask separately about glass and theft deductibles: they may differ from the main one. That is not small print, it is real money at claim time.
How to choose without pressure
Write three scenarios: a parking scratch, a medium crash, theft. Decide what you would pay yourself and what the insurer must close. After that the CASCO programme follows logic, not a “full protection” slogan.