{"id":4364,"date":"2022-11-30T11:44:40","date_gmt":"2022-11-30T08:44:40","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4364"},"modified":"2022-11-30T11:52:50","modified_gmt":"2022-11-30T08:52:50","slug":"kasko-sigorta-fiyatlari","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/kasko-sigorta-fiyatlari\/","title":{"rendered":"Kasko Sigorta Fiyatlar\u0131"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4364\" class=\"elementor elementor-4364\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-3a9fcc77 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a9fcc77\" data-element_type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a915cfb\" data-id=\"a915cfb\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-70093c2 elementor-widget elementor-widget-text-editor\" data-id=\"70093c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Kasko sigortas\u0131, ara\u00e7 sahipleri taraf\u0131ndan bir trafik kazas\u0131na girme ile ilgili maliyetleri azaltmak i\u00e7in sat\u0131n al\u0131nan bir sigorta t\u00fcr\u00fcd\u00fcr.<br><h2><b>Kasko Sigortas\u0131 Nedir? Neleri Kapsar?<\/b><\/h2>\u0130nsanlar, ara\u00e7 kazalar\u0131 i\u00e7in cebinden \u00f6deme yapmak yerine, bir kasko sigortas\u0131 \u015firketine y\u0131ll\u0131ok belirlenen bir prim \u00f6deyerek ara\u00e7lar\u0131n\u0131n olas\u0131 bir trafik kazas\u0131 veya di\u011fer ara\u00e7 hasarlar\u0131yla ilgili maliyetlerin tamam\u0131n\u0131 veya \u00e7o\u011funun kasko sigorta \u015firketi taraf\u0131ndan \u00f6denmesini tercih eder. Kasko sigortas\u0131, herhangi bir kaza durumunda size mali koruma sa\u011flarken, sizinle bir kaza veya h\u0131rs\u0131zl\u0131ok durumunda mali kay\u0131plara kar\u015f\u0131 sizi koruyan sigorta \u015firketi aras\u0131nda yap\u0131lan bir s\u00f6zle\u015fme olarak kar\u015f\u0131m\u0131za \u00e7\u0131ok\u0131yor. Bir prim \u00f6demeniz kar\u015f\u0131l\u0131\u011f\u0131nda, sigorta \u015firketi poli\u00e7enizde belirtildi\u011fi \u015fekilde kay\u0131plar\u0131n\u0131z\u0131 \u00f6demeyi kabul etmektedir.<br>Kasko sigortas\u0131 primleri ya\u015fa, cinsiyete, araba kullanma deneyimine, kazaya, ihlal ge\u00e7mi\u015fine ve di\u011fer fakt\u00f6rlere ba\u011fl\u0131 olarak de\u011fi\u015fir. \u00c7o\u011fu \u00fclke yine t\u00fcm ara\u00e7 sahiplerinin asgari miktarda otomatik sigorta sat\u0131n almas\u0131n\u0131 \u015fart ko\u015far, ancak bir\u00e7good enough ki\u015fi kendilerini daha fazla korumak i\u00e7in ek sigorta sat\u0131n almay\u0131 tercih eder. Okay\u00f6t\u00fc bir ara\u00e7 kullanma rekoru veya daha iyi ara\u00e7 kullanma arzusu y\u00fcksek primlere yol a\u00e7acakt\u0131r. Ancak, daha fazla danger almay\u0131 kabul ederek primlerinizi d\u00fc\u015f\u00fcrebilirsiniz, bu da d\u00fc\u015fme e\u011filiminde olan tutar\u0131n\u0131z\u0131 artt\u0131rmak anlam\u0131n\u0131 ta\u015f\u0131r.<br><b>Kasko sigortas\u0131 a\u015fa\u011f\u0131dakileri kapsamaktad\u0131r:<\/b><br>\u2022 M\u00fclk: Araban\u0131za hasar veya h\u0131rs\u0131zl\u0131ok gibi bir durum ya\u015fand\u0131\u011f\u0131nda,<br>\u2022 Y\u00fcokay\u00fcml\u00fcl\u00fck: Bedensel yaralanma veya maddi hasar i\u00e7in ba\u015fkalar\u0131na kar\u015f\u0131 yasal sorumlulu\u011funuz bulundu\u011funda,<br>\u2022 T\u0131bbi: Yaralanma, rehabilitasyon ve cenaze masraflar\u0131n\u0131 tedavi etme maliyetini kapsar.<br>\u2022 T\u0131bbi \u00f6demeler veya ki\u015fisel yaralanma korumas\u0131: size veya yolcular\u0131n\u0131za verilen yaralanmalar i\u00e7in t\u0131bbi masraflar\u0131n geri \u00f6denmesini sa\u011flar. Ayr\u0131ca kay\u0131p \u00fccretler ve di\u011fer ilgili masraflar\u0131 da kapsar.<br>\u2022 Maddi hasar y\u00fcok\u00fcml\u00fcl\u00fc\u011f\u00fc: Kendinize ya da arac\u0131n\u0131z\u0131 \u00e7al\u0131\u015ft\u0131ran ba\u015fka bir s\u00fcr\u00fcc\u00fcn\u00fcn ba\u015fka bir araca veya ba\u015fka bir m\u00fclke neden oldu\u011fu hasar maliyetlerini kapsar.<br>\u2022 Bedensel yaralanma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc: Arac\u0131n\u0131z\u0131 kullan\u0131rken sizin ya da ba\u015fka bir s\u00fcr\u00fcc\u00fcn\u00fcn neden oldu\u011fu yaralanmalar\u0131 veya \u00f6l\u00fcmle ili\u015fkili maliyetlerini kapsar.<br>\u2022 Sigortas\u0131z s\u00fcr\u00fcc\u00fc kapsam\u0131: Kasko sigortas\u0131 olmayan bir s\u00fcr\u00fcc\u00fcden kaynaklanan bir kazaya neden olundu\u011funda veya bir \u00e7arpma durumunda length geri \u00f6deme yap\u0131l\u0131r. Ayr\u0131ca, ba\u015fka bir s\u00fcr\u00fcc\u00fc ciddi bir kazan\u0131n maliyetini \u00f6demek i\u00e7in yeterli imkana sahip de\u011fil ise, maliyetleri kar\u015f\u0131layacak sigorta sahibi s\u00fcr\u00fcc\u00fc kapsam\u0131 alt\u0131nda o s\u00fcr\u00fcc\u00fcye sat\u0131n alma imkan\u0131 tan\u0131n\u0131r.<br>Kasko sigortas\u0131 \u00e7o\u011fu \u00fclke taraf\u0131ndan zorunlu tutulur ve yasalara g\u00f6re de\u011fi\u015fkenlik g\u00f6sterir. Birisi bir arac\u0131 finanse ederse, bor\u00e7 veren \u015fartlar\u0131 zorlayabilir. Kasko sigortas\u0131 neredeyse her \u00fclkede ara\u00e7 sahiplerinin ta\u015f\u0131mas\u0131 gereken \u00f6nemli bir niteliktedir. Kasko sigorta teminatlar\u0131, kapsama tutarlar\u0131n\u0131 tam ihtiya\u00e7lar\u0131n\u0131za ve b\u00fct\u00e7enize g\u00f6re \u00f6zelle\u015ftirebilmeniz i\u00e7in ayr\u0131 ayr\u0131 fiyatland\u0131r\u0131lma se\u00e7ene\u011fini baz al\u0131r. Sigorta politikalar\u0131 genellikle alt\u0131 ayl\u0131ok veya bir y\u0131ll\u0131ok zaman dilimleri i\u00e7in d\u00fczenlenir ve yenilenebilir. Sigorta \u015firketi, poli\u00e7eyi yenileme ve priminizi \u00f6deme zaman\u0131 geldi\u011finde length bildirerek haberdar olman\u0131z\u0131 sa\u011flar.<\/p>\n<p><h2><b>Kasko Sigortas\u0131 Kimleri Kapsar?<\/b><\/h2>Kasko sigorta poli\u00e7esi, ister araban\u0131z\u0131 isterseniz de bir ba\u015fkas\u0131n\u0131n arabas\u0131n\u0131 kullan\u0131yor olun, sizi ve di\u011fer aile \u00fcyelerini kapsayacakt\u0131r. Kasko sigortas\u0131, politikan\u0131zda yer almayan ve arac\u0131n\u0131z\u0131 izninizle kullanan birine de kapsama sa\u011flar. Ki\u015fisel kasko sigortas\u0131 sadece ki\u015fisel s\u00fcr\u00fc\u015f\u00fc kapsamaktad\u0131r. Arac\u0131n\u0131z\u0131, teslimat yapmak gibi ticari ama\u00e7lar i\u00e7in kullan\u0131rsan\u0131z sigorta kapsam\u0131 i\u00e7inde yer almazs\u0131n\u0131z. Araban\u0131z\u0131 s\u00fcr\u00fc\u015f payla\u015f\u0131m hizmetlerinde kullan\u0131yor iseniz yine kapsama alan\u0131 i\u00e7inde olmazs\u0131n\u0131z. Baz\u0131 kasko sigorta \u015firketleri art\u0131okay s\u00fcr\u00fc\u015f payla\u015f\u0131m hizmetleri sunan ara\u00e7 sahipleri i\u00e7in kapsam\u0131 geni\u015fleten ek sigorta \u00fcr\u00fcnleri (ek \u00fccret kar\u015f\u0131l\u0131\u011f\u0131nda) sunmaktad\u0131r.<\/p>\n<p><b>Kasko Sigortas\u0131 Teminatlar\u0131<\/b><br>Temel olarak yasal ve zorunlu olan kasko sigortas\u0131, arac\u0131n\u0131z\u0131n neden oldu\u011fu hasar\u0131 kar\u015f\u0131larken, kendi arac\u0131n\u0131z\u0131n hasar g\u00f6rme durumunu kapsamamaktad\u0131r. Kendi arac\u0131n\u0131z\u0131 korumak ve kar\u015f\u0131l. A.\u015fabilece\u011finiz risklere kar\u015f\u0131 g\u00fcvence alt\u0131nda olmak i\u00e7in a\u015fa\u011f\u0131da yer alan iste\u011fe ba\u011fl\u0131 kapsama alanlar\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurman\u0131z gerekiyor:<br>\u2022 <b>\u00c7arp\u0131\u015fma- \u00c7arpma:<\/b> Kasko sigortas\u0131, hatal\u0131 bir durumda oldu\u011funuzda yani ba\u015fka bir ara\u00e7la veya ba\u015fka bir nesneyle (\u00f6rne\u011fin, bir a\u011fa\u00e7 veya elektrik dire\u011fi) \u00e7arp\u0131\u015fma sonucu meydana gelen arac\u0131n\u0131z\u0131n zarar g\u00f6rmesi durumunda size geri \u00f6deme yapar. \u00c7arp\u0131\u015fma kapsam\u0131, mekanik ar\u0131za veya araban\u0131zdaki everyday a\u015f\u0131nma ve y\u0131pranma i\u00e7in length geri \u00f6deme yapmayacak olsa da, araban\u0131z\u0131n devrilmesi, d\u00fc\u015fmesi, yuvarlanmas\u0131ndan kaynaklanan hasar\u0131 g\u00fcvence alt\u0131na al\u0131r.<br>\u2022 <b>Yanma:<\/b> Yang\u0131n, sel, dolu, d\u00fc\u015fen kayalar, a\u011fa\u00e7lar ve di\u011fer tehlikeler gibi bir \u00e7arp\u0131\u015fma durumunda olu\u015fan hasara kar\u015f\u0131 g\u00fcvence sa\u011flar.<br>\u2022 <b>\u00c7al\u0131nma: <\/b>Arac\u0131n\u0131zda bulunan herhangi bir e\u015fyaya kar\u015f\u0131 h\u0131rs\u0131zl\u0131ok veya h\u0131rs\u0131zl\u0131\u011fa te\u015febb\u00fcs gibi durumlarda olu\u015fan hasara kar\u015f\u0131 koruma sa\u011flar.<br>\u2022 <b>Cam Kapsamas\u0131:<\/b> Yayg\u0131n bir \u015fekilde olu\u015fan \u00f6n cam hasar\u0131ndan length koruma sa\u011flar. Baz\u0131 kasko sigorta politikalar\u0131, yan camlar\u0131, arka camlar\u0131 ve cam sunrooflar\u0131 da i\u00e7eren indirilemez cam kapsama alan\u0131n\u0131 g\u00fcvence alt\u0131na al\u0131r. E\u011fer bu durum yok ise, ek cam kapsama teminat\u0131 sat\u0131n alabilirsiniz.<\/p>\n<p><b>Kasko Sigorta Fiyatlar\u0131 2020<\/b><br>Kasko sigorta fiyatlar\u0131 belirkenirken sigorta \u015firketi, ara\u00e7 modeli, y\u0131l, hasar durumu ve poli\u00e7enizde yer alan teminatlar dikkate al\u0131narak fiyatlarda belirleme yap\u0131lmaktad\u0131r. Ayr\u0131ca kasko sigortas\u0131 teminatlar\u0131 da bu sayd\u0131\u011f\u0131m\u0131z etkenlere eklenebilir. Kasko sigorta prim fiyat\u0131n\u0131n hesaplanmas\u0131nda \u00f6nemli etkenler \u015f\u00f6yledir:<br>\u2022 Ara\u00e7 sahibine ili\u015frelatives kaza ge\u00e7mi\u015fi,<br>\u2022 Arac\u0131n kasko de\u011ferinin belirtilmesi,<br>\u2022 Arac\u0131n bulundu\u011fu il gibi etkenler rol oynamaktad\u0131r.<br>Bunlara ek olarak baz\u0131 kasko sigorta \u015firketlerinin de belirlemi\u015f oldu\u011fu hususlar, sigorta prim fiyat\u0131n\u0131n hesaplanmas\u0131nda etkilidir. Hadi gelin birlikte 2020 y\u0131l\u0131na ait g\u00fcncel kasko sigorta fiyatlar\u0131na bir g\u00f6z atal\u0131m:<\/p>\n<p><b>Sigorta \u015eirketi \u0130stanbul Ankara Di\u011fer \u0130ller<\/b><br>Ak Sigorta 3.113 TL 2.641 TL 2.428 TL<br>Allianz Sigorta three.093 TL 2.662 TL 2.416 TL<br>Anadolu Sigorta 2.730 TL 2.323 TL 2.Half TL<br>Axa Sigorta 2.718 TL 2.299 TL 2.184 TL<br>Groupama Sigorta three.070 TL 2.842 TL 2.490 TL<br>Gulf Sigorta 2.491 TL 2.299 TL 2.008 TL<br>G\u00fcne\u015f Sigorta 2.852 TL 2.538 TL 2.185 TL<br>Halk Sigorta 2.210 TL 2.943 TL 2.175 TL<br>HDI A.\u015e. Sigorta 2.770 TL 2.448 TL 2.322 TL<br>Mapfre Sigorta 2.938 TL 2.824 TL 2.329 TL<br>Ray Sigorta 2.372 TL 2.026 TL 1.840 TL<br>Sompo Japan Sigorta 1.717 TL 1.390 TL 1.295 TL<br>T\u00fcrk Nippon Sigorta four.322 TL 5.917 TL four.772 TL<br>Unico Sigorta three.033 TL 2.573 TL 2.313 TL<\/p>\n<p>Yukar\u0131da tabloda yer alan kasko sigorta fiyatlar\u0131, sadece otomobil ara\u00e7lar\u0131na y\u00f6nelik g\u00fcncellenmi\u015f son 1 ay\u0131n baz\u0131 illere ve \u015firketlere g\u00f6re ortalamas\u0131d\u0131r. Kasko sigorta fiyatlar\u0131, yukar\u0131da a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z \u00fczere baz\u0131 de\u011fi\u015fkenlere g\u00f6re belirlenerek hesaplanm\u0131\u015f ve bu de\u011fi\u015fkenlere g\u00f6re farkl\u0131l\u0131klar g\u00f6sterilmi\u015ftir.<br>Size en uygun kasko sigorta poli\u00e7esini tablomuz \u00fczerinden inceleyebilir ve sigorta \u015firketleri aras\u0131nda kar\u015f\u0131l. A.\u015ft\u0131rma yaparak \u00f6\u011frenebilirsiniz. B\u00fct\u00e7enize g\u00f6re kasko sigortas\u0131n\u0131 rahatl\u0131kla bulabilmek i\u00e7in, yenileme d\u00f6nemlerinde kasko \u015firketlerini incelemenizi \u00f6neririz. \u00c7\u00fcnk\u00fc d\u00f6nemsel olarak her sigorta \u015firketine g\u00f6re fiyat belirleme \u00f6l\u00e7\u00fctleri ve a\u011f\u0131rl\u0131klar\u0131 de\u011fi\u015ferek fiyatlar ortaya \u00e7\u0131kmaktad\u0131r.<br>Kasko fiyatlar\u0131 2020&#8217;de %15 &#8211; %20 civar\u0131nda yedek par\u00e7a maliyetleri, ara\u00e7 bedellerinin artmas\u0131 ve servis i\u015f\u00e7ilik \u00fccretlerinin artmas\u0131 sebebiyle artwork\u0131\u015f g\u00f6stererek ortalama yukar\u0131daki rakamlara ula\u015ft\u0131. 2019\u2019da gerek trafik kazalar\u0131 gerek ise ara\u00e7lar\u0131n zarar g\u00f6rmesiyle birlikte baz\u0131 kasko sigorta \u015firketleri, talepleri kar\u015f\u0131lamakta g\u00fc\u00e7l\u00fck \u00e7ekti\u011finden dolay\u0131 daha \u00e7ok emek ve sermaye ihtiyac\u0131n\u0131 pazar aray\u0131\u015f\u0131nda s\u00fcrd\u00fcrebilmek i\u00e7in kasko fiyatlar\u0131n\u0131n artmas\u0131nda etken olmu\u015ftur. 2020\u2019de kasko sigorta fiyatlar\u0131n artmas\u0131na y\u00f6nelik bir etken olarak enflasyonun artmas\u0131yla beraber, maliyetler, ara\u00e7 bedelleri ve primlerde do\u011fru orant\u0131l\u0131 olarak art\u0131\u015f g\u00f6stermi\u015ftir. Ara\u00e7 fiyatlar\u0131n\u0131n artmas\u0131 sonucu geli\u015fen ara\u00e7 par\u00e7a ve tamir maliyetleri de artarak bir d\u00f6ng\u00fc i\u00e7erisinde kasko fiyatlar\u0131n\u0131n artmas\u0131na neden olmu\u015ftur.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                            <\/div>\n        <\/section>\n        \t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kasko sigortas\u0131, ara\u00e7 sahipleri taraf\u0131ndan bir trafik kazas\u0131na girme ile ilgili maliyetleri azaltmak i\u00e7in sat\u0131n al\u0131nan bir sigorta t\u00fcr\u00fcd\u00fcr. Kasko Sigortas\u0131 Nedir? Neleri Kapsar? \u0130nsanlar, ara\u00e7 kazalar\u0131 i\u00e7in cebinden \u00f6deme yapmak yerine, bir kasko sigortas\u0131 \u015firketine y\u0131ll\u0131ok belirlenen bir prim \u00f6deyerek ara\u00e7lar\u0131n\u0131n olas\u0131 bir trafik kazas\u0131 veya di\u011fer ara\u00e7 hasarlar\u0131yla ilgili maliyetlerin tamam\u0131n\u0131 veya \u00e7o\u011funun [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,24],"tags":[],"class_list":["post-4364","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-tasit"],"_links":{"self":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4364","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/comments?post=4364"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4364\/revisions"}],"predecessor-version":[{"id":4370,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4364\/revisions\/4370"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4366"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4364"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}