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CASCO 5+

Program “CASCO 5+” is a voluntary insurance of light unpledged vehicles with period of usage from 36 to 120 months as of the date of Insurance Agreement conclusion

Advantages of the program “CASCO 5+”:

  • Saving compared to CASCO insurance by choosing only the required cover, in particular: damage of windscreen, damage of the vehicle as a result of road accident, theft, full loss of vehicle;
  • Losses are reimbursed without consideration of previous payments even if the total loss thereunder exceeds the insurance amount (non-aggregated insurance amount);
  • In case of vehicle damage, the recovery repair of the vehicle is paid for with replacement of damaged parts, units, machine for new ones at prices on the day of insurance event occurrence, i.e., without the deduction of depreciation of spare parts subject to replacement (New for Old);
  • No limits for places of vehicle storage. The risk “Theft” is covered from any location at any time;
  • No unconditional franchise under risks “Damages as a result of road accident” and “Damage of windscreen”;
  • No limits in terms of persons allowed to drive the vehicle: any persons using the vehicle on a legal basis are allowed to drive without additional payment for age and driving experience.
  • Under the conditions of insurance indemnity “Repair Station on the choice of Insurer” the Insured person receives a quality guarantee: the Insurer is obliged to reimburse losses caused by law-quality repair;
  • Losses related to damage of the windscreen are reimbursed in full without confirmation documents issued by the respective authorities.
  • Unique service “Assistance”: organization of evacuation and cover of evacuator costs if the vehicle cannot move on as a result of road accident or in case of other insurance events within the limit under the event in amount of UAH 2000; 3 events are covered through the period of validity of the agreement. The service is rendered only if the evacuation is arranged via the call-center of the Insurer.
  • Insurance indemnity is paid regardless of who is guilty in the road accident (except for emerging of vehicle on railway crossing when the level crossing gate is closed) unless the actions of the Insured person (vehicle driver) are classified as intentional crime;
  • No requirements from the IC to medical examination of the vehicle driver for alcohol, drug or toxic intoxication unless such examination is required by traffic police according to the effective law;
  • In case of road accident, the vehicle is taken to the repair station without vising the office of insurance company (“Telesettlement”)
  • No limits in payment of insurance indemnity in case of gross violation of Traffic Rules such as red light running, exceeding of speed limit, crossing of double white lines and other gross violations.
  • Insurance indemnity is paid regardless of who is guilty in the road accident (except for emerging of vehicle on railway crossing when the level crossing gate is closed) unless the actions of the Insured person (vehicle driver) are classified as intentional crime;
  • In the event of loss (including theft) of keys from the vehicle 50% of documented costs for replacing of door and ignition locks or reprogramming of electronic means of engine start or vehicle opening as well as electronic keys purchase are reimbursed by the Insurer once during the period of validity of the Agreement.
Additional information

Insurance amount

  • The insurance amount is determined on the basis of actual (market) value of the vehicle at the moment of the Agreement conclusion.

Period of validity of the agreement

  • 1 year

Territory of insurance

  • Ukraine (except for Crimea and Sevastopol)

Insurance risks

  • Option 1 (CASCO 5+): “Theft”, “Damages as a result of road accident”, “Full loss of vehicle as a result of natural disaster”;
  • Option 2 (CASCO 5+с): “Theft”, “Damages as a result of road accident”, “Full loss of vehicle as a result of road accident and natural disaster”, “Damage of Windscreen”.

Franchise

  • “Theft” – unconditional franchise of 10%;
  • “Full loss as a result of road accident and natural disaster” - unconditional franchise of 10%;
  • “Damages as a result of road accident” – conditional franchise of 5%, but not less than UAH 4000;
  • Under the risk “Damage of windscreen” the franchise is not applicable.

Cost of insurance agreement

Insurance payment under CASCO 5+ depends on the chosen risks:

  • Option 1 (CASCO 5+) – 2.15% of insurance amount;
  • Option 2 (CASCO 5+с) – 2.15% of insurance amount + UAH 500.

Insurance is not issued for:

  • Vehicles used for less than 3 years (36 months) on the date of the Agreement conclusion;
  • Vehicles used for more than 10 years (120 months) on the date of the Agreement conclusion;
  • Pledged vehicles;
  • Vehicles taking part in sport competitions;
  • Vehicles used for training;
  • Vehicles used for commercial carriage of passengers;
  • Vehicles for lease;
  • Load carrier vehicles, buses, trailers;
  • Moto-machinery (motorbikes, scooters, mopeds, cyclecar);
  • Vehicles registered outside Ukraine;
  • Vehicles equipped with refrigerator devices, tanks (tank car, tank trailer);
  • Special transport, in particular: cash collection vehicles, ambulance vehicles, fire engines and other emergency vehicles, operational vehicles of the Ministry of Interior);
  • Agricultural and other special machinery (tractors, combines, excavators, cranes, etc.);
  • Protection film installed on vehicles (separate parts of vehicles).

Insurance payment conditions

  • Insurance payment can be made in one or two installments.
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