Kasko vs. Compulsory Motor Insurance (Third-Party Liability)

What is compulsory motor insurance (TPL/AO)?

Compulsory motor third-party liability insurance (AO/TPL) is a policy that covers damage you cause to other people in traffic (third parties).
In other words: AO/TPL does not repair your car—it compensates damage to another vehicle, a person, or property if you are at fault.

AO/TPL typically covers:

  • damage to another person’s vehicle,

  • injuries to third parties,

  • damage to third-party property.

What is comprehensive insurance (Kasko)?

Kasko is insurance that protects your own vehicle. Depending on the type of kasko and the coverage you choose, it may include:

  • accident damage (even when you are at fault),

  • theft,

  • vandalism,

  • natural disasters (hail, flood, storm),

  • animal collisions (subject to policy terms),

  • optional add-ons (e.g., glass coverage, roadside assistance, replacement car).

The Main Difference

  • AO/TPL: protects others from your liability.

  • Kasko: protects your vehicle against damage and loss.

When Does Kasko Usually Pay Off?

Kasko is most worthwhile if you:

  • drive a newer or more valuable vehicle,

  • have a loan/leasing (kasko is often required),

  • drive frequently (higher exposure/risk),

  • park on the street or in higher-risk areas,

  • want peace of mind against theft, hail damage, or vandalism.

If your vehicle is older and its market value is low, it can sometimes be more rational to keep AO/TPL only, plus an optional add-on (e.g., glass/assistance)—but this depends on your risk profile.

Full vs. Partial Kasko (Briefly)

  • Full kasko: broader coverage—usually includes accidents, theft, natural disasters, vandalism (depending on terms).

  • Partial kasko: narrower coverage (e.g., glass only, theft only, natural disasters only), often more affordable.

Deductible/Excess: The Detail That Changes Everything

The deductible (franšiza) is your share of the loss. Two policies can have a similar price but different deductibles—meaning they can behave very differently in a real claim.

Tip: before signing, ask: “What is the deductible and how is it applied?”

What to Watch Closely in the Policy Terms

  • Exclusions (what is not covered)

  • Claim reporting procedure (deadlines, required documents)

  • Approved/partner repair shops and repair method

  • Coverage for glass, tires, and undercarriage (often add-ons)

  • Replacement vehicle and roadside assistance (included or optional)