Reliable Protection for Your Vehicle
A car is not just a means of transportation, but also a significant part of one's personal or family budget. Even with careful driving, it is impossible to completely rule out the risk of damage to the vehicle. Road accidents, adverse weather conditions, falling objects, unlawful actions of third parties, or theft can lead to substantial financial expenses.
CASCO allows you to protect your car against a wide range of risks and receive insurance coverage regardless of who is at fault for the incident, provided that the event is covered by the terms of the insurance contract.
The Closed Joint-Stock Insurance Company "ARSENAL-KYRGYZSTAN" offers voluntary vehicle insurance programs developed to meet the needs of passenger car owners, commercial transport operators, and corporate fleets.
What is CASCO
CASCO is a voluntary type of insurance, the object of which is the vehicle itself. Unlike OSAGO, which covers the vehicle owner's liability to third parties, CASCO is designed to protect the vehicle itself.
Depending on the terms of the insurance contract, coverage may extend to various risks, including damage, total loss, or theft of the vehicle.
Why You Should Take Out CASCO
Even an experienced driver cannot entirely eliminate the likelihood of unforeseen events. A CASCO policy helps reduce financial risks and provides additional peace of mind when operating the vehicle.
Benefits of CASCO:
- financial protection for your vehicle;
- a wide range of insured risks;
- the ability to choose an insurance program;
- support in the event of an insured incident;
- professional advisory assistance.
Who CASCO Is Suitable For
Voluntary vehicle insurance is recommended for:
- owners of new vehicles;
- owners of vehicles with high market value;
- legal entities;
- owners of corporate fleets;
- drivers who regularly use their vehicle in everyday life;
- those who wish to minimize unexpected vehicle repair expenses.
How CASCO Differs from OSAGO
Many vehicle owners confuse CASCO and OSAGO. Despite the fact that both products belong to auto insurance, their purposes are different.
| CASCO | OSAGO |
|---|---|
| Voluntary insurance | Compulsory insurance |
| Protects the owner's vehicle | Protects liability to third parties |
| Coverage is determined by the contract | Coverage is determined by legislation |
| May include a wide range of risks | Limited to the scope of compulsory insurance |