Car insurance is more than just a legal requirement—it's a critical part of protecting yourself financially. Whether it's an accident, theft, or natural disaster, insurance gives you peace of mind and saves you from heavy expenses. Here's what every driver should know:

1. Two main types: Mandatory (Liability) and Voluntary (Comprehensive/KASKO)

• Mandatory Insurance: Covers damages you cause to others. It's required by law.

• Comprehensive Insurance (KASKO): Optional, but protects your own vehicle against accidents, theft, fire, natural disasters, etc.

2. Driving without insurance is illegal

Operating a vehicle without valid liability insurance can result in fines or having your car impounded, depending on your country’s law.

3. What to do after an accident?

– Take clear photos of the scene
– Call the police if needed
– Inform your insurance company immediately
– Submit required documents (accident report, ID, license, etc.)

4. KASKO prices vary depending on car and risk profile

Your car’s age, model, value, and how it’s used affect the premium. Extra services like roadside assistance or replacement vehicles can raise the cost.

5. Bonus-Malus system: No accidents = discounts

Safe drivers are rewarded with lower premiums in the next term. Multiple claims can increase your rates.

6. Not all policies cover everything – read the fine print

Certain conditions may void your claim, such as driving under the influence, unauthorized drivers, or unreported modifications.

7. You can now buy insurance online

Many providers offer easy and secure online platforms to compare and purchase insurance policies.

Car insurance isn’t just about meeting legal requirements—it protects your wallet and gives peace of mind. A smart policy today can save you thousands in the future.