Protection against key risks

CASCO covers the risks associated with road accidents, natural phenomena, illegal actions of third parties, as well as other accidental events that may lead to damage, destruction or loss of the vehicle or additional equipment.

Flexible contract terms and conditions

The term of the contract, the territory of insurance coverage, the sum insured, the tariff, the deductible and other parameters are determined by agreement of the parties depending on the chosen program and insurance conditions.

A clear settlement

In the event of an event that has signs of an insured event, it is important to promptly notify the insurer, provide the necessary documents and follow the procedure set out in the contract. The decision to pay out is made on the basis of the documents provided for in the insurance terms and conditions.

CASCO insurance

Financial protection of your vehicle from the main risks – from road accidents and natural disasters to theft, damage by third parties and other accidental events.

Motor hull insurance is voluntary insurance of a vehicle and additional equipment that helps to reduce financial losses in the event of damage, destruction or loss of a car as a result of events stipulated in the contract. Insurance coverage may include road accidents, natural disasters, illegal actions of third parties, including theft, robbery, assault or intentional damage, as well as other accidental events stipulated in the insurance contract.

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The CASCO insurance product is designed to protect property interests related to a vehicle and additional equipment. The object of insurance is a car and additional equipment on the right of ownership, use and disposal, as well as possible losses or expenses associated with the occurrence of an insured event. Specific insurance terms and conditions are set out in the contract: from the list of risks to the amount of the sum insured, tariff, deductible and the territory of insurance coverage.

What can be covered by CASCO

  • damage to a car as a result of an accident
  • losses due to natural disasters
  • kidnapping, robbery, assault or other unlawful acts of third parties
  • intentional damage or destruction of a vehicle
  • other accidental events stipulated by the contract, including fire risks, falling objects or animal attacks

Terms and conditions

The minimum term of the hull insurance contract is 1 day, the maximum – 1 year. The territory of insurance coverage is determined by agreement of the parties and may cover Ukraine, a separate country or another agreed territory. The amount of the insurance premium is calculated depending on the terms of the insurance program and the parameters of the contract.

Simple payment

Insurance indemnity under hull insurance is paid within the sum insured and on the basis of documents confirming the fact, causes, circumstances of the event and the amount of losses. The amount of indemnity depends on the terms of the contract, in particular, on the existence of a deductible, the terms of wear and tear and other agreed parameters of insurance coverage.

Do you need advice on the terms of CASCO?

Read the terms of the insurance product, the information document and contact INSK specialists to clarify the insurance parameters for your vehicle.

Public documents

GENERAL TERMS AND CONDITIONS OF THE INSURANCE PRODUCT “CASCO INSURANCE”
is available here:
General terms and conditions of hull insurance

The information document on the STANDARD INSURANCE PRODUCT “CASCO INSURANCE”
is available at:
Information document Casco

Frequently asked questions

Which vehicles are covered by the policy. The object of insurance

Wheeled vehicles (cars, trucks, buses, motorcycles, mopeds)
Electric vehicles, including trams and trolleybuses
Bicycles
Other transport mechanisms
Additional equipment installed on vehicles.

Insurance object: The vehicle and additional equipment (vehicle/EA) on the right of ownership, use and disposal and/or possible losses or expenses.

Beneficiary specified in the contract. Under this program – 100% of the sum insured.

Yes, we can tailor the format to your schedule and workload – from single events to long-term contracts.

An event for which insurance is provided, including road traffic accident; Natural disaster; Unlawful acts of third parties, including theft, robbery, plunder, intentional damage/destruction of a vehicle (hereinafter – the vehicle) or additional equipment (hereinafter – the AE), other accidental events that may lead to damage, loss or damage to the vehicle (AE), incurrence of expenses stipulated by the Insurance Agreement, including fire risks, objects, animal attacks.

Insurance limitations: only land vehicles are subject to insurance.

Minimum and maximum amounts of the insured amount (limit of liability):
Minimum term of the Agreement is 1 day.
Maximum term of the Agreement is 3 years.

Minimum and maximum amounts of insurance premium and/or insurance tariff:
Not established, determined in accordance with the Insurance Program or by agreement of the Parties to the Agreement.

Type, minimum and maximum deductibles (if any):
Not established, determined in accordance with the Insurance Program or by agreement of the Parties to the Agreement.

The territory and term of the Insurance Agreement shall be determined by agreement of the Parties to the Agreement. Insurance coverage may be valid throughout the world, or in one specific country, including Ukraine, or in one geographical zone of the world.

Destruction, damage, loss of the Vehicle and/or the DoD, its components, unless otherwise provided for in the terms of the Agreement, which occurred as a result of the insured events, shall not be recognized as insured events:

– violation of fire safety rules and regulations or other mandatory standards established by law or other regulatory acts in relation to certain types of vehicles and/or POs, including exposure to fire or heat for the purpose of processing, repairing vehicles and/or POs.

– events that occurred outside the territory defined by the Agreement.

– damage caused by explosions in the chambers of internal combustion engines.

– natural disaster (phenomenon) – in case of declaring the territory where the vehicle and/or the DO subject to insurance is located as the territory where an emergency situation is declared, before the moment of concluding the Agreement

– subsidence (sinkhole) of the earth’s surface, karst sinkhole or other ground movement if they are caused by blasting, excavation of soil from pits or quarries, filling voids or excavation, as well as extraction or development of solid, liquid or gaseous mineral deposits.

– terrorist acts, group riots, and mass disorders.

– unlawful actions of the Insured/Driver or an adult member of his/her family, the person in whose favor the Contract is concluded, other persons (their employees or persons acting on their behalf (verbal or written)) who were with their knowledge in the location of the Vehicle and/or the PO, which led to the occurrence of the Insured Event.

– unlawful acts that have obvious signs of theft or robbery by persons in labor relations with the Insured.

– nuclear incident, exposure to ionizing radiation or radioactive contamination.

– war, invasion of troops, any kind of military action (whether or not war has been declared), the use of means of warfare, civil war, rebellion, revolution, insurrection, riot, strike, lockout, public disorder, military or unlawful seizure of power, Terrorist acts, actions of persons acting on behalf of political organizations or interacting with them, confiscation, arrest, requisition, destruction or damage to property by order of a legally or actually existing military or civil authority, any acts of terrorism, sabotage, measures to suppress, prevent or otherwise counteract them, any annexation or occupation of the territory in which the territory/place of operation of the Treaty is located by another state by force, any actions of armed groups, formations, mercenary groups or regular armed forces using weapons, robbery, looting and pillage arising directly or indirectly from the events.

– nationalization, confiscation and other similar measures of political nature, carried out in accordance with the orders of military or civil authorities and political organizations in the country of the Insured.

– rotting, corrosion or other natural properties of the materials used in the SOW and/or the SOW.

– internal damage to the interior of the vehicle in the absence of illegal actions of third parties. or any external factors, including actions of animals, birds that were in the interior, cabin or body of the vehicle.

– the use of defective materials, components, assemblies, and parts in the SOW and/or DO.

– replacement, repair, without the Insurer’s consent, of defective parts, components and assemblies.

– unauthorized changes to the design of the vehicle and/or the DoC, installation and use of equipment that is not certified in Ukraine, installed independently by the Insured or persons who do not have permits for such installation.

– actions or omissions of the Insured/Driver or an adult member of his/her family, the person in whose favor the Contract is concluded, other persons (their employees or persons acting on their behalf (verbal or written)) who were with their knowledge in the location of the Vehicle and/or PO that led to the occurrence of the Insured Event.

– gross negligence of the Insured/Driver or an adult member of his/her family, the person in whose favor the Contract is concluded, other persons (their employees or persons acting on their behalf (verbal or written)) who were with their knowledge in the location of the Vehicle and/or the PO, which led to the occurrence of the insured event.

– use of the vehicle and/or software in a technically defective condition.

– design and/or project miscalculations.

– wear and tear of parts, components and assemblies of the vehicle and/or the DO.

– driving a vehicle by a person who either did not have a driver’s license of the appropriate category, or did not have legal grounds for driving a vehicle, or was in a state of alcoholic, narcotic, toxic intoxication or under the influence of medications that are contraindicated for driving a vehicle.

– An accident caused by the sudden failure of any parts, components, or assemblies (technical failure).

– use of the vehicle in sports competitions, for training purposes, and for participation in sporting events.

– transportation of vehicles by any means of transport.

– towing a vehicle by another vehicle or towing another vehicle by a vehicle.

– violation of technical requirements during the repair or maintenance of the vehicle and/or the DoD, the rules of their technical use, including during repair or maintenance at a service station, which led to damage or destruction of the vehicle.

– Leaving the scene of an accident or disobeying law enforcement officers or the police.

– normal use of the vehicle, which led to damage to the paintwork of the vehicle, windshield, including chips of paint and glass up to 1 cm in diameter, as well as discoloration of the paintwork due to exposure to solar radiation and/or ingress of fuels and lubricants, road surface components, etc., destruction, loss of natural properties of materials used in the vehicle and/or the DoP.

– Drawings on the TK and/or PO, stickers on the TK and/or PO.

– violation of traffic rules regarding driving on the side of the road intended for oncoming traffic, overtaking rules, exceeding the permitted speed on a road section by more than 20 km/h.

– expenses for repair work not related to the elimination of damage caused by an insured event.

– expenses related to maintenance and warranty repair of the vehicle and/or the PO.

– costs associated with the reconstruction or re-equipment of the vehicle and/or the PO, repair or replacement of individual parts, components and equipment due to their wear, defects, etc.

– costs associated with painting the entire vehicle, if the repair of the vehicle requires painting of individual parts.Loss of presentation and marketable value.

– expenses related to the destruction, damage or loss of personal belongings, cargo/goods, including securities and documents that were in the vehicle.

– losses and expenses related to damage caused to life and health of the Insured/Driver, passengers of the vehicle, other third parties, as well as their property.

– expenses for fuel and lubricants, cleaning and filtering materials, refueling process liquids and gases, if such expenses are not related to the insured event.

– expenses for conducting auto-examination if the auto-examination was conducted by the Insured without the Insurer’s written consent.

– indirect losses of the Insured related to the insured event (penalty (fine, fine), non-pecuniary damage, loss of profit/loss of profit, legal expenses, expenses related to inflationary losses, etc.)

– losses when using tires that do not correspond to the season (period) of use or are worn below the limit level.

– use of parts whose quality does not meet the manufacturer’s requirements.

– short circuit of the electronic equipment, the vehicle and/or DO power grid.

– violation of traffic rules regarding the safety of passenger transportation, rules of cargo transportation.

– Damage, destruction of the vehicle and/or PO as a result of loading and unloading operations, boarding/disembarking of passengers

– damage to the vehicle and/or the DoD as a result of water hammer.

– storage of vehicles and/or equipment in places of increased danger, including on the territory of construction sites, in places of loading operations, in places of installation operations, in places where snow and/or ice, construction materials, garbage, etc. may fall.

– damage, destruction, theft or loss of tools, tarpaulin, tires, covers, wiper blades, registration number, ignition keys, vehicle brand name and wheel wheels in case only tires, covers, wiper blades, registration numbers, ignition keys, vehicle brand name and wheel wheels are damaged, destroyed, lost or stolen.

– leaving the vehicle in a place where stopping and parking is prohibited.

– theft of vehicle parts, vehicle equipment, and DoD without traces of burglary.

– any hidden damages to the Vehicle and/or the PO that occurred prior to the conclusion of the Agreement and/or were eliminated after the conclusion of the Agreement, but were not taken into account during the inspection of the Vehicle (PO).

– triggering of vehicle security systems without any other damage to the vehicle.

– The Agreement may provide for other exclusions from insured events and insurance limitations that do not contradict the law and are specified in the Agreement.

Not established, determined in accordance with the Insurance Program or by agreement of the Parties to the Agreement

Insurance indemnity shall be paid by the Insurer to the Insured/Beneficiary within 10 working days from the date of drawing up the Insurance claim and on its basis. The Insurer shall draw up the Insurance report within 10 working days from the date of receipt of documents stipulated by the Agreement.

The amount of loss shall be determined on the basis of documents specified in the Contract/General Terms and Conditions. Depending on the terms and conditions of the Agreement chosen by the Insured, the amount of loss shall be determined with or without taking into account wear and tear of parts, spare parts and components replaced during the restoration repair, based on prices and tariffs in force on the date of the insured event.

Payment of insurance indemnity shall be made within the limits of loss incurred by the Insured, but not exceeding the sum insured set by agreement of the Parties in the Contract, and:

– with or without deduction of the unpaid part of the insurance premium under the Agreement, depending on the terms and conditions of the Agreement chosen by the Insured;

– less amounts received by the Insured from third parties and/or amounts equivalent to the value of property received from third parties as compensation for damage caused by an insured event;

– less the part of losses not indemnified by the Insurer under the Contract (deductible).

In case of loss of the Vehicle and/or DoC as a result of illegal seizure, insurance indemnity shall be paid within the sum insured, but not more than the actual value determined as of the date of occurrence of the insured event and the deductible, unless otherwise provided by the Agreement.

A prerequisite for payment of insurance indemnity under the risk of theft, robbery, or robbery is conclusion of an abandonment agreement between the Insurer and the Insured. The Parties shall bear the costs of re-registration of ownership of the vehicle equally, unless otherwise provided for in the Agreement.

In case of constructive total destruction of the vehicle and/or the DO, the Insurer shall, at its sole discretion, determine the value of the vehicle and/or the DO in the damaged state by studying the supply and demand in the market for such vehicles and/or the DO or by expert evaluation.

The insurance indemnity is paid in one of two ways:

– The Insurer shall indemnify the amount equal to the amount of the Insurer’s liabilities as of the date of the Insured Event, less the deductible. If the actual value of the Vehicle and/or the Additional Equipment as of the date of the Insured Event is less than the amount of the Insurer’s liabilities as of the date of the Insured Event, the Insurer shall indemnify the actual value of the Vehicle as of the date of the Insured Event, less the deductible. In such case, property rights to the Vehicle and/or the DoC shall be transferred to the Insurer;

-The Insurer shall indemnify the amount equal to the amount of the Insurer’s liabilities as of the date of the Insured Event, less the value of the Vehicle in damaged condition and the deductible. If the actual value of the Vehicle as of the date of the Insured Event is less than the amount of the Insurer’s liabilities as of the date of the Insured Event, the Insurer shall indemnify the actual value of the Vehicle as of the date of the Insured Event, less the value of the Vehicle in a damaged condition and the deductible.

If, after payment of insurance indemnity, the Insured is indemnified by a third party for losses in full, the Insured shall be obliged to return the paid insurance indemnity to the Insurer. If, after payment of insurance indemnity, the Insured is partially indemnified by a third party, the Insured shall be obliged to return to the Insurer the amount of indemnity received from the third party.

Unless otherwise provided for in the Contract, after the Insurer pays the insurance indemnity, which is a part of the sum insured, the Contract shall remain in force until its expiration. In this case, the amount of the Insurer’s liabilities shall be reduced by the amount of the paid insurance indemnity and the principle of proportionality shall apply to subsequent insurance indemnity payments, i.e. payment of insurance indemnity shall be made in proportion to the ratio of the amount of the Insurer’s liabilities reduced by the amount of the insurance indemnity already paid to the initial sum insured stipulated by the Contract.

If the consumer fails to fulfill the obligations specified in the insurance contract, including late notification of the insured event without valid reasons and late payment of the insurance premium or its next installment, the Insurer has the right to refuse to make the insurance payment or to declare the contract null and void.The above consequences are specified in the standard insurance contract for this standard insurance product, available at

It is possible to purchase this insurance product separately if such a product is offered together with related and/or additional non-insurance goods, work or services as part of a single package or agreement

Information on possible discounts and/or promotional offers with terms and conditions of receipt and validity will be published at the link

Material Circumstances (Material Information) means circumstances that are essential for assessing the insurance risk (determining the probability and likelihood of an insured event occurring and the amount of possible losses) and/or other information that is essential for the Insurer to make a decision on entering into an insurance contract, including the existence of an insurable interest and/or the amount of the insurance premium under the insurance contract. The information specified by the Insured in the application for insurance shall include, in particular, information about the vehicle (make/model, state registration number, body/chassis number (VIN code), year of manufacture, engine capacity; vehicle configuration, photo at the time of insurance; territory of preferred use, type of use of the vehicle.

Before entering into an insurance contract, we recommend that you carefully read the following information:
1. List of events recognized as insured events.
2. The grounds for refusal to make insurance payments, the list of exceptions to insured events and insurance restrictions.
3. Limits of liability of the insurer (amount of insurance coverage for each individual insurance risk (event); sublimits and restrictions for certain types of services, etc.
4. Calculation procedure and terms of insurance payments (algorithm for determining the amount of insurance payment; terms and conditions of payment after the insured event, etc.
at:
General terms and conditions of the insurance product “Casco”

Road traffic accident;
Natural disaster;
Unlawful acts of third parties, including theft, robbery, plunder, intentional damage/destruction of the vehicle or additional equipment.
Other accidental events that may result in damage, loss or destruction of the vehicle or additional equipment, incurrence of expenses stipulated by the Insurance contract, including fire risks, objects, animal attacks

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