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CASCO «50/50»

CASCO «50/50»

The same CASCO — just at half the price

Pay only half the cost of full CASCO coverage. The second part of the payment is due only if an insured event occurs.

About the insurance

CASCO “50/50”

CASCO at half price — how does it work? Very simple. If nothing happens, you get CASCO at half the price. If something does happen, you pay the second part of the payment. Covers the same risks as CASCO “ALL RISKS”

What exactly is covered

Traffic Accidents

It doesn't matter who's at fault. We pay out even for serious traffic violations (except cases involving intoxication)

Theft

We compensate the value of the car minus the deductible

Total loss

Whether from an accident or other events

Natural disasters

Hail, heavy rain, landslides, lightning strikes, and more

Unlawful acts by third parties

Theft of parts while parked or vandalism — body damage and broken windows, headlights, and glass

Falling objects

Trees, bricks, and anything else

Stones from under wheels

Broken headlights and cracked glass

Fire and explosion

Not much else to say — it happens

What about the terms?

All the risks of full CASCO — at half the price

The second half of the payment is due if an insured event occurs.

No restrictions on where the car is kept

Coverage applies not only while driving but also while parked — in a courtyard, garage, street parking, or underground parking — anywhere.

The insured amount stays the same

No matter how many payouts you receive, the maximum compensation for each subsequent claim equals the full insured amount.

Payout without a police report for minor damage

For body damage — 2 payouts, 10% of the insured amount per case. For glass elements — no limit.

Repairs only at trusted service stations

We always guarantee the quality of repairs, wherever they're carried out — at dealership or other service stations.

We cover towing

Our towing limit is 5,000 UAH.

Anyone with a valid license can drive

You can let your spouse, friends, parents, or children drive — anyone with a valid driver's license.

Coverage applies in Ukraine and Europe

24/7 support

If something goes wrong or you just have a question, call us anytime.

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CASCO 50/50

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Object of Insurance

Insured Risks

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

Territory of Coverage Under the Insurance Contract

Minimum and Maximum Insurance Premium and/or Rate

Type and Minimum/Maximum Amount of Deductible (If Applicable)

Term of the Insurance Contract

Procedure for the Insurance Contract Coming Into Effect

Insurance Period

Insurance Restrictions (If Applicable)

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

— Terms of the Insurance Contract chosen by the Policyholder: the list of insured risks, the deductible amount, the term of the Insurance Contract, the territory of coverage, the list of persons permitted to drive the vehicle, the minimum driving experience and minimum age of persons permitted to drive the vehicle, the terms for paying the insurance premium, the terms for insurance payouts ("At a service station of the Insurer's choosing," "At an authorized service station," "With depreciation applied," "Without depreciation applied");

— Individual characteristics of the object of insurance necessary for assessing the insured risk: vehicle type, vehicle make/model, vehicle value, vehicle service life, the vehicle's geographic origin, the address where the vehicle owner is registered as specified in the vehicle registration certificate, features (nature) of how the vehicle is used, storage conditions and operating regime, anti-theft systems (other than factory-installed), damage to the vehicle (including damage that was repaired);

— Other information material to assessing the insured risk: facts of the vehicle's body or engine having been replaced, loss of the vehicle's registration documents, loss, breakage, or reprogramming and/or deactivation of the vehicle's keys, mechanical anti-theft device, other anti-theft devices provided for in the Insurance Contract, or remote-control devices for the anti-theft system, theft of vehicles from the Policyholder/vehicle owner, fires, destruction (total loss) of vehicles, including the vehicle being insured, deployment of the vehicle's airbags, non-restoration of the vehicle's airbags prior to concluding the Insurance Contract in the event they were deployed, information about powers of attorney issued in relation to the vehicle, transfer of the vehicle into lien, the existence of a legal dispute regarding the vehicle (if any, currently or in the past), seizure of the vehicle (if any, currently or in the past), the existence of third-party claims regarding the vehicle (if any, currently or in the past), the vehicle being on state registration (including temporary registration) in another country, information about prior insurance and loss history for the previous insurance period, information about other active insurance contracts regarding the object of insurance;

— Information about the Policyholder's insurance needs and requirements, as specified in the Insurance Application submitted by the Policyholder;

— The following are considered changes in circumstances material to assessing the insured risk (determining the probability and likelihood of an insured event occurring and the amount of possible losses) and/or other circumstances affecting the amount of the insurance premium under the Insurance Contract and/or materially affecting the terms of the Insurance Contract: transferring the insured vehicle for lease (rental or other paid use) or into lien, issuing a power of attorney relating to the vehicle, a change of vehicle owner, replacement of the body or engine, installation of additional equipment and/or attachments, replacement of vehicle components with ones different from those accepted for insurance under the Insurance Contract, the existence of double insurance, the existence of insured events under prior insurance with other insurers that were not reported in writing when the vehicle was accepted for insurance under the Insurance Contract, deregistration of the vehicle from state registration, registration of the vehicle (including temporary registration) in another country, a change in storage conditions or operating regime, loss of the insured vehicle's registration documents, loss, breakage, or reprogramming and/or deactivation of the vehicle's keys, mechanical anti-theft device, other anti-theft devices provided for in the Insurance Contract, or remote-control devices for the anti-theft system, production of duplicate vehicle keys, breakage or removal of an anti-theft device, deployment of airbags, use of the vehicle for the commercial transportation of passengers (taxi, etc.), the existence of a legal dispute regarding the vehicle, seizure of the vehicle, and the existence of third-party claims regarding the vehicle.

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Procedure and Terms for the Provision of Services

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met: a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose); b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid; c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout. Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of: the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

— Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date. — In the event of early termination of the insurance contract at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the terms of the contract, the Insurer refunds the insurance premium paid for the remaining period of the contract, minus expenses directly related to concluding and performing the contract, and any insurance payouts already made under the contract. — In the event of early termination of the insurance contract at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full insurance premium paid. — Expenses directly related to concluding and performing the insurance contract are deducted in the amount corresponding to the share of such expenses specified in the insurance contract. — The Insurer refunds the paid insurance premium (or a portion thereof) within 10 business days of the contract's termination date, to the Policyholder's bank account or by another means via payment systems. — If there are unresolved insured events at the time of early termination, the Insurer refunds the insurance premium (or a portion thereof) after such events are settled. — If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund of the insurance premium (or a portion thereof) occurs after the Policyholder is removed from such list. — The paid insurance premium is not refunded in the event of early termination of the insurance contract due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the insurance contract, to withdraw from the contract without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of events bearing the characteristics of an insured event have been made under the contract). — The Insurer refunds the paid insurance premium (or a portion thereof) within 10 business days of receiving the Policyholder's notice of withdrawal, to the Policyholder's bank account or by another means via payment systems.

Procedure for Amending the Insurance Contract

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."
If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.
In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

Загальні умови страхового продукту «Страхування наземних транспортних засобів «КАСКО 50/50», редакція діє з 25.06.2024р.

Інформаційний документ про стандартний страховий продукт «Страхування наземних транспортних засобів «КАСКО 50/50», редакція діє з 01.01.2025р.

Електронний Договір страхування наземних транспортних засобів «КАСКО 50/50», редакція діє з 11.05.2026р.

Document Archive (for insurance contracts concluded in previous periods)

Why Us?

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№1 in the CASCO Market

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10 Million UAH in Payouts Daily

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Payout speed from 3 Days

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Recommended by our clients to their friends

Company with 100% Ukrainian capital

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20 Years in the Ukrainian market

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350,000 Clients

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93% Client Satisfaction Rate

Страхував авто КАСКО. Було 2 страхових випадки. Все виплатили. Співробітники ввічливі і коректні. Раджу

Добрый день Очень благодарен компании Арсенал за неоднократную помощь при оформлении ДТП и быстрой выплате компенсации! Машина отремонтирована на очень хорошем СТО с высоким качеством! Хочу поблагодарить лично Солодкого Александра за профессионализм! Всем друзьям и знакомым рекомендую компанию Арсенал!

Дуже сподобалося! Співробітники ввічливі, відповідально, оперативно та якісно виконують свою робота. Окрема подяка керівнику відділу врегулювання збитків в місті Харкові Олександру Сергійовичу. Ви найкращі!!! Усім рекомендую!!!

При покупке нового авто оформил полное каско. Произошел страховой случай, автосервис произвел оценку ремонта, и страховая без проблем через два дня перечислила деньги. Все быстро и профессионально. Следующую страховку буду оформлять только в Арсенале.