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CASCO «ALL RISKS»

Insure your car against mishaps

We can't protect your car from every misfortune — but we'll make sure your wallet stays untouched.

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About the insurance

CASCO “ALL RISKS” -
All Risks Included

CASCO “ALL RISKS” - provides full coverage against external damage to your car. We'll arrange and pay for repairs following an accident, falling objects, natural disasters, unlawful acts by third parties, and other unforeseen events. If your car is stolen or completely destroyed, you'll receive financial compensation.

A car always comes with expenses: fuel, car washes, washer fluid, repairs and part replacements, seasonal tire changes, your MTPL policy (has it expired, by any chance?), parking, and traffic fines.

These are ongoing, expected costs that every driver bears with varying frequency.

But sometimes sudden mishaps happen to your car — ones you never see coming — and they hit your wallet hard


Got distracted by your phone
and rear-ended the car ahead

Scraped a wall while pulling out of a parking spot

Came back to your car and found your bumper damaged

Your car got flooded or a tree fell on it during a storm

Your windshield cracked from hail or a stone kicked up by another car

Your car was stolen

CASCO “ALL RISKS” - is your financial safety net in case your car is stolen, damaged, or destroyed in an accident or other sudden event


Was your car stolen or completely destroyed?

We provide financial compensation

Is your car damaged?

We'll arrange and pay for the repairs

What's Covered

1
Traffic accidents
It doesn't matter who's at fault. We pay out even for serious traffic violations (except cases involving intoxication)
2
Theft
We compensate the value of the car minus the deductible
3
Total loss
Whether from an accident or other events
4
Natural disasters
Hail, heavy rain, landslides, lightning strikes, and more
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Unlawful acts by third parties
Theft of parts while parked or vandalism — body damage and broken windows, headlights, and glass
6
Falling objects
Trees, bricks, and anything else
7
Stones from under wheels
Broken headlights and cracked glass
8
Fire and explosion
Not much else to say — it happens

What about the terms?

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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.
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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.
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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.
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Repairs only at trusted service stations

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

You don't have to pay the full amount upfront — you can split the payment into installments.
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We cover towing

Our towing limit is 5,000 UAH.
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Anyone with a valid license can drive

You can let your spouse, friends, parents, or children drive — anyone with a valid driver's license.
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Coverage applies in Ukraine and Europe

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24/7 Support

If something goes wrong or you just have a question, call us anytime.
Order
CASCO ALL RISKS
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Object of Insurance

— land vehicles subject to state or departmental registration, including additional equipment and attachments, if insuring such equipment and/or attachments is provided for under the insurance contract;
— other land vehicles, including self-propelled chassis, heavy-duty and other special-purpose vehicles, scooters, light personal electric vehicles, low-speed light electric vehicles, as well as additional equipment and attachments, if insuring the vehicle together with additional equipment and attachments is provided for under the insurance contract.

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Insured Risks

"Theft" (as a result of theft, robbery, or assault while the vehicle is located anywhere within the territory of coverage, at any time); "Damage from an accident" (damage to or destruction of the vehicle, its individual structural elements (components), additional equipment, or attachments as a result of an accident); "Other events": — theft of individual structural elements (components) of the vehicle, additional equipment, or attachments as a result of unlawful acts by third parties; — damage to or destruction (total loss) of the vehicle, its individual structural elements (components), additional equipment, or attachments as a result of: unlawful acts by third parties; a natural disaster; fire or explosion; an animal attack; an object falling on the vehicle; being struck by stones or other objects thrown up from under the vehicle's wheels; other accidental, sudden, and unforeseen events caused by direct physical impact of external circumstances, the course and consequences of which do not depend on the will and/or actions of the Policyholder.

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

The minimum and maximum insured amounts (liability limits) are not defined. The insured amount under the insurance contract is determined based on the actual (market) value of the insured object, as declared by the Policyholder. A separate insured amount is set for each object of insurance. The insured amount is set in Ukrainian hryvnias and is non-aggregate (it remains unchanged after an insurance payout is made).

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Territory of Coverage Under the Insurance Contract

Territory of coverage under the insurance contract (in accordance with the terms agreed upon by the parties):
Ukraine (with the exception of: settlements where Ukrainian state authorities are temporarily unable to exercise their powers, settlements located along the line of contact, the territory of the Autonomous Republic of Crimea and the city of Sevastopol, temporarily occupied settlements and territories, and areas of active combat);
countries that are members of the international "Green Card" insurance system, EU member states, and Georgia (with the exception of: Morocco, Tunisia, Iran, the Russian Federation, the Republic of Belarus, zones under a declared state of emergency, and zones of armed conflict).

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Minimum and Maximum Insurance Premium and/or Rate

The minimum and maximum annual insurance rate ranges from 0.01% to 30% of the insured amount. The insurance premium is calculated by multiplying the insured amount by the insurance rate specified in the insurance contract for the relevant object of insurance. No minimum or maximum insurance premium is set (it depends on the insured amount agreed upon by the parties).

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

The minimum and maximum deductible ranges from 0.00% to 20.00% of the total insured amount for each object of insurance, including:
For the "Theft" risk and in the case of total loss of the vehicle due to an accident or other events: the minimum and maximum deductible ranges from 0.0% to 20.0% of the total insured amount for each object of insurance.
For damage to the vehicle due to an accident or other events: the minimum and maximum deductible ranges from 0.0% to 10.0% of the total insured amount for each object of insurance.
Type of deductible: flat (the insurance payout for each insured event is reduced by the deductible amount).
The insurance contract may, by agreement of the parties, provide for different deductible amounts for different objects of insurance.

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Term of the Insurance Contract

From 1 to 365 or 366 calendar days (depending on the number of calendar days in the year), or another term by agreement of the parties, unless a different term is specified in the insurance contract. The term of the insurance contract is set by agreement of the parties.

Insurance contracts with a term exceeding one year may, by agreement of the parties, be concluded for several full years, for one year (365 or 366 calendar days depending on the number of calendar days in the year) plus several months or days, or for several years plus several months or days. No minimum or maximum term is set for the insurance contract.

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Procedure for the Insurance Contract Coming Into Effect

The insurance contract comes into effect: from the date following the date the insurance premium is received, or from the moment the insurance premium is paid, or from the start date of the contract's term (as agreed by the parties).

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Insurance Period

Insurance periods are established under the insurance contract for each object of insurance, or under the insurance contract by agreement of the parties. Insurance periods may be established under the insurance contract by agreement of the parties, taking into account the seasonal use of the vehicle (in accordance with the storage period at the address specified in the insurance contract and the period of use (operation) of the vehicle). The insurance contract may provide for different insured risks and other coverage terms for different insurance periods specified in the contract.

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Insurance Restrictions (If Applicable)

The following cannot be an object of insurance:
— railway transport;
— cargo being transported;
— personal belongings, securities, and documents located in the vehicle;
— indirect losses (lost income due to an insured event, etc.), non-material damage;
— vehicles, additional equipment, and attachments that are subject to a legal dispute and/or under seizure;
— liability for harm to the life and health of the driver and passengers of the vehicle, and liability to third parties.

Insurance restrictions (unless otherwise provided for in the insurance contract by agreement of the parties):
— Sporting competitions and sporting/amateur automotive events.
— Driving lessons/training.
— Any special vehicle testing programs.
— Use of the vehicle for public or military purposes.

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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

Failure to fulfill your obligations under the insurance contract may be grounds for refusing an insurance payout, including:
— late notification of an insured event without valid reasons, or failure to fulfill other obligations specified in the insurance contract or by law;
— the event occurring during a period for which the insurance payment was not paid.
If you fail to fulfill your obligations under the insurance contract regarding the timely and full payment of the next installment of the insurance premium, this is grounds for early termination of the insurance contract and its loss of validity.

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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

The insurance contract is not ancillary to any other goods, works, or services that are not insurance-related.

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

No discounts are provided for this insurance product. There are no promotional offers.

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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 and the insurance period(s), 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 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.

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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

Before concluding the insurance contract, the consumer needs to review the following information:
— 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,
— the procedure for calculating and the terms for making insurance payouts.

This information can be found in the General Terms of the Insurance Product, available here, and in the Insurance Product Information Document, available here.

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Procedure and Terms for the Provision of Services

Before concluding the insurance contract, the Insurer (insurance intermediary), based on information received from the client, determines the client's insurance needs and requirements. For this purpose, the client is asked to complete an insurance application in the form established by the Insurer. If the client requires individual advice, the Insurer (insurance intermediary) provides such advice upon the client's request. This individual advice is provided free of charge. Before concluding the insurance contract, the Insurer (insurance intermediary) provides the client with accessible and comprehensive information about the insurance product, about the insurer, and about the insurance intermediary (if the insurance product is sold through an insurance intermediary). The insurance contract is concluded in writing. The insurance contract may be executed in paper form or as an electronic document.

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

Under the insurance contract, the Policyholder pays an insurance premium. The insurance contract does not provide for any other payments besides the insurance premium (such as interest, commissions, etc.). The insurance premium is calculated based on information provided by the Policyholder when concluding the insurance contract. The insurance premium is calculated within the minimum and maximum insurance premium and/or insurance rate specified above for this insurance product.

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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.

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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.

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Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

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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 "IC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "IC "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 "IC "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:

  1. 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."
  2. 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/.
  3. 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.

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

PJSC "ARSENAL INSURANCE" maintains a guarantee fund; no compensation schemes are available.

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

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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

What Our Clients Say

Проконсультували чітко і в повній мірі Надали інфориаці в повному обсязі. В день ДТП прийняли заяву без зайвої бюрократії. Эксперт приїхав на огляд ТЗ і зручний для мене час та місце. Оперативно провів оцінку на підставі якої страхова швидко прийняла рішення та виплатила кошти.

Дякую за професійне обслуговування! Швидка виплата компенсації за пошкоджене авто в ДТП.Рекомендую страхуйтеся в перевірених та надійних партнерів.

Одна из самых приятных страховых компаний даже если какая-то мелочь полностью все выплачивают на каско

Дуже оперативно. Через два робочі дні гроші були перераховані на сервіс офіційного дилера.

Все зробили дуже швидко і в найкращому вигляді. Величезна подяка Мінько Артем, Козакевич Віталій за оперативність та неймовірний сервіс. Від себе рекомендую всім своїм знайомим дану страхову компанію

Страхуюсь в цій страховій декілька років, можу сказати тільки найкращі рекомендації. Швидко надходять виплати і без зайвого головняка для клієнта .

Я придбав КАСКО в «Арсенал Страхування» так як це топова компанія на ринку України. Нещодавно стався страховий випадок. Враження від взаємодії зі страховиком наступні: • Бізнес процеси організовані на високому рівні. Все легко і просто. • Виплата для офіційного СТО Toyota відбулася на наступний день після виставлення рахунку (!); • Робота компанії побудована на принципах клієнтоорієнтованісті. Наприклад, це особливо проявилося при візиті в офіс страховика за адресою Борщагівська 154. Мій запис був на 09:00. Я приїхав о 8:20. Представник департаменту врегулювання збитків Віталій Козакевич був в офісі. Він не став чекати початку робочого дня і почав процес огляду авто, щоб дослівно: «Ви не втрачали час». Круто ж! В цілому, реальність перевищила очікування. Бажаю успіху! З повагою, Дмитро

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