Pert kasko is an economical motor own damage alternative that pays out only when your vehicle is declared a total loss, rather than for minor or partial damage.
Pert kasko is a motor own damage variant that pays the vehicle's value, within policy limits, only when it's declared a total loss ("pert") following an accident, theft or natural disaster — partial damage is excluded, which keeps the premium lower than standard kasko.
Vehicle owners who find standard motor own damage insurance too costly, but still want protection against a total-loss scenario, will find pert kasko a budget-friendly alternative.
Standard kasko also covers minor scratches and partial damage, while pert kasko pays out only when the vehicle is declared a total loss — which is why its premium is lower.
An expert assessor compares the repair cost against the vehicle's market value to determine whether it should be declared a total loss.
No, pert kasko does not cover partial damage; it pays compensation only when the vehicle is declared a total loss.
Partial damage, glass breakage, minor repairs such as scratches and dents, mechanical breakdown, and driving under the influence or without a licence fall outside total loss cover.
It suits drivers whose vehicle has depreciated, who find a full kasko premium too high, but who still want protection against losing the vehicle altogether.
Once the vehicle is declared a total loss, the settlement is based on its market value on the date of loss. The salvage value may be deducted depending on the policy terms.
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