278
Every year, when issuing a mandatory driver's license, Ukrainian drivers look cautiously in the direction of a voluntary CASCO. Today, many believe that this policy is relevant only in the event of an accident. However, this is fundamentally wrong.
The list of risks included in the CASCO contract is much broader. And by signing it, vehicle owners get a reliable financial protector in the form of this policy.
What risks does CASCO cover?
each insurance company in Ukraine offers motorists different compulsory insurance programs. They assume full and partial inclusion of possible risks. The main ones are theft and material damage. The latter includes a fairly extensive list of reasons that can lead to car damage. These are both natural disasters and illegal actions of third parties.
It is very important to clearly indicate the list of these risks before signing the contract in order to understand which of them you can receive insurance compensation for. For example, natural disasters have recently become a frequent cause of damaged vehicles. Having included this point in the contract, you can count on compensation in the event of:
- car damage by hail;
- flooding as a result of a downpour;
- a tree falling due to a hurricane;
- fires due to strong winds and power outages.
When choosing voluntary insurance, do not skimp on risks. No one is sure that his car is waiting for him tomorrow.
How much does it cost to buy CASCO?
To talk about the cost of voluntary car insurance, it is important to consider a large number of criteria. First of all, the price depends on the choice of program. So, CASCO from Oranta assumes the availability of two types of packages - standard and premium.
The characteristics of the car and the driving experience of the owner are also important. And, in addition, there is a criterion that can save money on the purchase of a policy. This is a franchise. Depending on its size, the cost of CASCO changes. A franchise of 0,5% is considered the most optimal.
Having this policy in hand, you can be calm about your vehicle, because it is a fairly reliable financial armor. Its purchase pays off with interest when an insurance event occurs. So it is necessary to think carefully whether it is worth limiting yourself to the registration of only the mandatory OSAGO or still take care of your car with the help of an additional policy?
