Why Full Kasko Is Not Expensive: Small Damages, Real Costs, and the 2026 North Cyprus Reality

Many car owners in North Cyprus hesitate to buy full kasko insurance because they believe it is expensive.
One common argument is:

“A small scratch or bumper paint repair isn’t that costly anyway.”

This statement is partly true, but incomplete.

In this article, we explain—using real 2026 costs in North Cyprus—why full kasko is not expensive, how small damages quietly add up over time, and why the idea of “saving money by skipping kasko” often backfires.

2026 Reality Check: How Much Does a Small Scratch or Bumper Paint Cost?

Let’s start with facts.

In North Cyprus in 2026:

• Small bumper scratches

• Local bumper paint

• Minor parking damage

typically cost around €150 per repair.

This applies when:

• The damage is superficial

• No structural parts are affected

• The vehicle is not a luxury or premium model

So yes—one small scratch is not a financial disaster.

So Where Does the Problem Start?

The problem is not the first scratch.

The problem is that small damages are rarely one-time events.

In North Cyprus:

• Parking spaces are tight

• Vehicle density is high

• Parking scratches are very common

• The person who causes the damage is often unknown

This leads to a simple reality:

€150 repairs don’t happen once — they happen repeatedly.

A Very Common Real-Life Scenario

Within one year:

• January: Parking scratch → €150

• April: Minor bumper scrape → €150

• September: Another small scratch → €150

Total: €450

And these are still considered “small” damages.

📌 Plus:

• Time spent at the repair shop

• Stress and inconvenience

• Vehicle downtime

Small Damages Quietly Reduce Your Car’s Value

This is something many drivers underestimate.

When small scratches are:

• Delayed

• Ignored

• Repaired poorly

They lead to:

• Paint deterioration

• Oxidation

• Visible wear

At resale time:

Buyers don’t say “it’s just cosmetic.”

They lower the price.

A €150 scratch today can easily turn into thousands of euros in lost resale value later.

Why Full Kasko Still Makes Sense for Small Damages

Because full kasko is not only for major accidents.

It is designed to:

• Manage frequent small risks

• Prevent damage accumulation

• Keep vehicle value protected

Many full kasko policies include:

• Mini repair services

• Small damage handling

• Options to protect no-claim discounts

This allows:

• Quick fixes

• Less stress

• Better long-term cost control

What Is Actually “Expensive”?

Let’s compare two approaches.

Option 1: No Full Kasko

• 2–3 small repairs per year

• €300–€450 out of pocket

• Lost time

• Declining vehicle value

Option 2: Full Kasko

• Predictable monthly cost

• Small and large damages managed

• Professional claims handling

• Peace of mind

📌 The real expense is uncontrolled, repeated payments—not insurance.

“I Drive Carefully” Does Not Eliminate the Risk

Most small damages occur:

• While parked

• When you are not in the car

• Due to other drivers

The issue is not how carefully you drive, but how unpredictable the environment is.

Carefulness cannot replace protection.

And Let’s Not Forget Major Risks

While this article focuses on small damages, major repairs are a different story:

• Headlight or sensor damage: €1,000+

• Airbag deployment: €3,000+

• Modern vehicle electronics: even more

One single incident like this can equal many years of kasko premiums.

Why Many Drivers in North Cyprus Choose Full Kasko

For these reasons, many vehicle owners in North Cyprus prefer comprehensive solutions such as
Can Sigorta Full Kasko.

The reason is simple:

• Control

• Predictability

• Protection

📲 Send Documents via WhatsApp & Get a Free Quote (24/7)

To see whether full kasko is actually expensive for your car, getting a quote is enough.

Required Documents:

✔️ ID card (front & back)
✔️ Vehicle registration
✔️ Vehicle photos (front, rear, side, interior)

📲 24/7 WhatsApp Quote Line:
👉 +90 533 869 82 22

Final Thought: €150 Is Real — But It’s Not the Whole Story

Yes, in 2026:

• A small bumper paint or scratch costs around €150

But the real issue is:

• Repetition

• Time

• Vehicle value loss

• Bigger risks waiting in the background

That’s why full kasko is:

• Not a luxury

• Not an exaggeration

• A smart way to manage long-term costs