CASCO insurance

Fill out the form to send an application for CASCO insurance
CASCO insurance
What CASCO insurance policy covers?
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Damage as a result of operation

We indemnify for the cost of restoring the car after damage in an accident

If the car is not repairable after an accident, we will indemnify for the amount specified in the contract

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Theft and unlawful acts

With CASCO, you will be insured against the risk of theft of your car and other unlawful acts

We will cover financial expenses to the extent of the sum insured specified in the contract

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Losses from other accidents

We will indemnify for expenses in case of damage to the car due to hail, flood, fire, falling objects and other unforeseen situations

The policy will cover the cost of restoration

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Car
Insured
What is CASCO insurance?
What is CASCO insurance?

The CASCO policy actually fully protects you from losses due to a wide range of risks.

Unlike MTPL, CASCO is a voluntary motor insurance. The policy covers losses resulting from:

  • damage or destruction of the car as a result of an accident
  • natural disaster
  • fire
  • robbery
  • impact of foreign objects
  • theft or other illegal actions

The ability to choose the terms of insurance coverage independently. The policy area, in addition to Ukraine, may also include European countries. The vehicle may be driven by any legally authorized driver at the time of the accident.

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Benefits of insurance in INGO
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Indemnity without a police certificate
No certificate is required for indemnification in case of minor damage.
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Compensation for transportation
The terms of CASCO contracts provide for compensation for the costs of transporting a damaged car and round-the-clock service.
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Military risks
We compensate for damage to cars caused by the consequences of military operations.
Actions in case of an insured event
remote settlement
Contact us
• Call INGO Contact Center from the accident scene and provide detailed information about the circumstances and parties involved in the accident. • Follow the instructions of contact center operator and the terms of your policy. • Receive an electronic referral to the service station from the operator.
Insured event
Use the «Remote Settlement» from INGO
Visit the service station to fix damage and calculate the cost of repairs. «Remote settlement» means that the service station accepts documents on the accident from you and transfers them to INGO, without the need for you to visit INGO office.
Send your car for repair
Expect an invitation from the service station to repair your car. The terms of repair work are regulated by the terms of cooperation between INGO and partner service stations.
Frequently asked questions
Here you will find answers to the most common questions about motor insurance. Read about everything a driver needs to know about motor insurance.
Frequently asked questions
Is the CASCO contract valid in case of damage to the car as a result of military operations?

Yes, but not in all CASCO insurance programs. The best solution to protect against war risks is the AutoExpert insurance program. It has a special option to cover the risk of car damage as a result of hostilities in the government-controlled part of Ukraine.

What does the «CASCO war risks» option cover?

When concluding a CASCO contract for a car, it is possible to activate the «war risks» option for:

  • Restoration of the car from the consequences of military actions within 10% of the insured amount, but not more than UAN 300,000.
  • Insurance protection for the driver and passengers in the amount of up to UAH 300,000

The cost of this option is symbolic - UAH 1, and when it is included, it covers:

  • Hitting or colliding with military equipment;
  • Destructive effect of shock (sound) waves on the insured car;
  • Falling on the insured car of third-party objects (regardless of the reasons for their fall and origin) of defense and special military purpose;
  • Damage to the insured vehicle by fire or heat, if the vehicle was placed in the immediate vicinity of a fire caused by hostilities.
Terms and conditions of vehicle and driver/passenger insurance including «war risks» and a list of high-risk areas

The coverage, with the «war risks» option, is valid on the territory of Ukraine, except for high-risk territories, which are determined by the Insurer on the date of occurrence of the insured event.
 

The current list of high-risk areas is posted on the official website at the link

Detailed terms and conditions of vehicle and driver/passenger insurance are available at the link

What determines the cost of CASCO contract?

The cost of CASCO insurance contract is influenced by many factors. For example, the category of service stations where the car will be repaired in case of damage, personal parameters of the driver's length of service and age (for experienced drivers, the policy is cheaper). The region, in which the car is registered and used, as well as the purpose of its use: for private needs or for business, also affects the cost of CASCO. The age of insured car is also important, as it loses market value over time. The lower the market price of the car is, the cheaper the CASCO policy will be. At the same time, it is better not to underestimate the car in order not to get into a situation of underinsurance. This can lead to a reduction in the amount of indemnity in case of an insured event.


You can also adjust the cost of CASCO insurance policy using a deductible (general and for glass surfaces). The deductible is the amount you undertake to pay out of your own pocket in case of  insured event. Therefore, the higher the deductible is, the cheaper the policy is. Choose what is more important to you - saving money when buying a policy or in case of the insured event.

Is CASCO insurance contract valid abroad?

It depends on the specific insurance program. For example, Mini CASCO is valid exclusively in Ukraine, and the protection of the AutoExpert program also applies to European countries. When driving your own car abroad, do not forget to additionally take out a Green Card policy. It is mandatory for crossing the border and traveling on European roads.

If the car is insured under CASCO, does it matter who was driving at the time of the accident?

In case of CASCO insurance policies from INGO, it does not matter who was driving the car at the time of accident. The main thing is that the driver must be authorized to drive the insured car (license of the appropriate category).

Can I choose the place of car repair?

Yes, but this must be done when concluding CASCO insurance contract. The options include: branded dealerships, at the choice of insurance company and at the request of the insured. INGO takes a balanced approach to the selection of partner service stations, so the car will be restored to a high quality in any caseYes, but this must be done when concluding CASCO insurance contract. The options include: branded dealerships, at the choice of insurance company and at the request of the insured. INGO takes a balanced approach to the selection of partner service stations, so the car will be restored to a high quality in any case.

What are the restrictions on the storage and use of cars?

The CASCO contract does not provide for special conditions for storing a car. You can park and store the car in a guarded parking lot or in a garage, closed parking lot, or specially designated areas. The owner can leave the insured car anywhere without violating traffic rules, interfering with other road users, and without incurring additional risks.


If at the time of execution of CASCO contract the car was not used as a taxi, for commercial transportation or for other business purposes, the car must be used exclusively by an individual for personal needs.
 

How to conclude CASCO insurance contract?

You can conclude CASCO insurance contract directly at the office of the insurance company, with the help of insurance agent, or remotely by leaving an application on the company's website. If you apply for a policy remotely, an insurance manager will help you. After a telephone consultation, he will formulate and agree with you the insurance offer and help you conduct a remote car inspection using a special mobile application.

How to conclude CASCO insurance contract?

You can conclude CASCO insurance contract directly at the office of the insurance company, with the help of insurance agent, or remotely by leaving an application on the company's website. If you apply for a policy remotely, an insurance manager will help you. After a telephone consultation, he will formulate and agree with you the insurance offer and help you conduct a remote car inspection using a special mobile application.You can conclude CASCO insurance contract directly at the office of the insurance company, with the help of insurance agent, or remotely by leaving an application on the company's website. If you apply for a policy remotely, an insurance manager will help you. After a telephone consultation, he will formulate and agree with you the insurance offer and help you conduct a remote car inspection using a special mobile application.

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