Motor
Useful information about Motor Own Damage / Traffic Insurance
Motor Own Damage and Traffic Insurance protects vehicle owners against legal traffic liability and many risks related to their own vehicle. Price is important, but claim service, repair network and assistance quality are equally important.
Plate number and license serial number help speed up the quotation process. Vehicle usage type, driver profile and preferred coverage options are also reviewed before presenting alternatives.
In a traffic accident, the accident report, photographs, counterparty information and service records should be kept. We help customers understand the next steps and follow the file process.
Traffic Insurance and Kasko answer two different questions. Traffic Insurance is compulsory and pays for the damage you cause to others — their vehicle, property or health — within legal limits. Kasko is voluntary and protects your own vehicle: collision, theft, fire, natural events and vandalism. A good Kasko comparison looks beyond price at service quality: authorised or contracted repair shops, original parts, replacement vehicle rights and mini-repair services.
What is typically covered?
- Collision and impact damage to your own vehicle (Kasko)
- Theft and attempted theft of the vehicle and its parts
- Fire, flood, hail, storm and falling objects
- Third-party bodily injury and property damage (Traffic Insurance)
- Roadside assistance, towing and replacement vehicle options
- Legal protection and driver personal accident extensions
Who is it for?
Every vehicle owner needs Traffic Insurance by law; Kasko is strongly recommended for newer vehicles, financed or leased cars and commercial fleets. No-claims discounts, agreed vehicle value and deductible choices all affect the premium — we walk through these together so the policy matches how you actually use the car.
What sets our agency apart
With motor policies the real difference shows at the moment of a claim. At our agency you have a single point of contact from the first quote to the closing of the file, and you reach us directly. Knowing how stressful the hours after an accident are, we explain the process in plain language rather than technical jargon and follow every step on your behalf, from directing you to a repair shop to requesting a replacement vehicle. For us customer satisfaction is measured not by a single policy but by a relationship that lasts for years.