CASCO insurance

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.

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.

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

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.

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.

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).

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.

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.
 

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.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.