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What Is CASCO Insurance For?
CASCO is voluntary auto insurance that protects the owner from the financial cost of repairing their vehicle after external damage. A CASCO policy covers repair costs after an accident, natural disaster, or unlawful acts by third parties. If the car is stolen or totaled, the owner receives a cash payout.
The cost of owning a car
Every car owner knows that running a vehicle comes with ongoing expenses:
- Fuel and washing
- Seasonal tire changes
- Engine and transmission oil, filters, brake fluid, antifreeze
- Mandatory MTPL insurance
- Suspension repairs (brake pads, shock absorbers, bearings, bushings, etc.)
- Battery and engine part replacements
These costs are predictable — they come from wear and tear and routine maintenance. But there are also sudden costs from external damage to the car — hail, a fallen tree, or another vehicle, for example. That's exactly where CASCO insurance steps in.
How does CASCO insurance work?
A CASCO policy covers damage if the car is harmed by a sudden event specified in the contract. The insurer arranges and pays for the repair. If the car is stolen or damaged beyond repair, the client receives a cash payout. CASCO is especially valuable in big cities with heavy traffic and crowded parking lots, where the risk of damage to a car is significantly higher.
What risks does Arsenal Insurance's CASCO ALL RISKS cover?
Traffic accidents
A CASCO policy covers damage to your car from:
- A collision with another vehicle
- Hitting an obstacle (pole, wall, curb, tree, etc.)
- Hitting a pedestrian, cyclist, motorcyclist, or e-scooter rider
- Hitting an animal
- The vehicle overturning
Important: the payout applies regardless of who's at fault. Even cases where the car is damaged in a parking lot and the at-fault party can't be found are covered.
Natural disasters and other events
CASCO also protects against damage from:
- Hail, storms, and flooding
- Fallen trees or other objects landing on the car
- Rocks kicked up from under other cars' wheels
- Fire and explosion
- Unlawful acts by third parties (vandalism, intentional damage)
- Theft of individual car parts
- Animal attacks
Vehicle theft
Even though theft rates have dropped since the start of the full-scale war, this risk remains relevant. If the insured car is stolen, the insurer pays the owner cash compensation.
Terms of using a CASCO policy
- Deductible. This is the portion of the loss the client pays themselves. It can apply to damage, theft, or total loss. A higher deductible means a cheaper policy. With a 0% deductible, the policy costs more, but every case is paid in full.
- Fixed insured sum. If the contract's insured sum is 700,000 UAH and the insurer has already paid out 100,000 UAH, the maximum payout for future claims remains 700,000 UAH.
- Payouts without a police report. The contract allows for 2 payouts without a police report, each up to 10% of the insured sum.
- Payout without depreciation. The policy compensates in full, regardless of the car's age.
- Coverage territory. CASCO applies throughout Ukraine and Europe. Anyone with a valid driver's license can drive the car.
Conclusion
CASCO insurance is reliable protection for a driver's wallet. It covers not just accidents, but natural disasters, vandalism, and theft too. With a CASCO ALL RISKS policy from Arsenal Insurance, you get financial peace of mind even in the most unpredictable situations. Submit your application to insure your car today and give it reliable protection.
