In Ukraine, every driver is required to register OSAGO, and here CASCO — voluntary insurance. What they have in common, what are the differences and which insurance to choose for you — we tell you in this article.

🔍 What is MTPL?

OSAGO — is a mandatory insurance of civil liability of the car owner. Simply put, it is a policy that covers damage caused to other participants in the accident due to your fault.

✅ OSAGO covers:

  • repairing someone else's car;

  • treatment of victims of road accidents;

  • material damage to third parties.

❌ OSAGO does not cover:

  • repair of your car;

  • damages if you are not at fault for the accident;

  • car thefts, natural disasters, etc.

Important: Without compulsory motor vehicle liability insurance you cannot register a car or legally drive on public roads.

💼 What is CASCO?

CASCO - this is a voluntary insurance that protects your car from various risks: from an accident (even if you are the culprit), theft, fire, natural disasters and even a falling tree.

✅ CASCO covers:

  • damage to your car in any situation;

  • theft or total loss of a vehicle;

  • damage from hail, falling ice, fire, etc.;

  • act of vandalism.

❌ CASCO does not cover:

  • technical breakdowns, if they are not related to a traffic accident;

  • violations of operating rules.

CASCO is the “all-inclusive” in the world of car insurance, but its cost is higher than OSAGO.

⚖️ Comparison of OSAGO and CASCO

Parameter OSAGO CASCO
Mandatory Mandatory Voluntary
Object of insurance Third parties Your car
Price Low Above average
Coating Only harm to others Maximum wide coverage
Validity period 1 year Usually 1 year, 6 months is possible
Online registration ✅ ✅

💡 What to choose: CASCO or OSAGO?

The choice depends on:

1. Type of car

  • New, expensive car - definitely CASCO + OSAGO.

  • Used car of average cost - you can limit yourself to OSAGO.

2. Driving style

  • Do you travel often, do you travel a lot? Better play it safe with CASCO.

  • Rarely use your car, careful driver - that's enough OSAGO.

3. Parking places

  • If the car is often left in an unguarded parking lot - CASCO will protect against theft and vandalism.

4. Financial opportunities

  • OSAGO costs 1,200–2,000 UAH per year;

  • CASCO — from 3% to 6% of the cost of the car (on average 15,000–30,000 UAH per year).

💬 Question for rented cars

If you rent a car, OSAGO is already included in the priceSome rental companies offer CASCO or similar insurance against damage/theft as an additional service. This is especially relevant if you:

  • you are going on a long trip.

  • rent a premium car;

  • unsure of weather conditions or local roads.

👉 In the company BestRental.com.ua you can choose a convenient insurance package for your route and driving style. This is peace of mind in any situation!

📝 Let's sum it up

When to choose OSAGO When to choose CASCO
City driving, few trips Frequent long distance travel
The car is inexpensive Is the car new or expensive?
It is possible to pay for the damage yourself Don't want to risk theft, hail, fire
Good place to store cars The car is often parked in an open area

🚀 Conclusion

OSAGO is your minimum. CASCO is your confidence.
If your budget allows, get both policies. This will save you not only money, but also nerves.

And if you rent a car, check with BestRental, what insurance is included in the contract, and choose the best protection option for the duration of the rental.
Safe roads and reliable insurance! 🛡️🚘

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