What Risks Can CASCO Cover?
Unlike OSAGO, which protects the vehicle owner's liability to third parties, CASCO is designed to protect the vehicle itself.
The list of insured risks is determined by the chosen program and the terms of the contract. Therefore, before taking out a policy, specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" provide detailed consultations and help clients choose the optimal insurance coverage.
Main Insured Risks
Road Traffic Accident (RTA)
One of the most common insured events is damage to the vehicle as a result of a road traffic accident.
Depending on the terms of the CASCO contract, coverage may apply to vehicle damage regardless of who is found at fault.
Theft or Hijacking of the Vehicle
For many vehicle owners, the risk of theft remains one of the most serious threats.
If the relevant risk is included in the insurance contract, coverage extends to cases of unlawful seizure of the vehicle.
Unlawful Actions of Third Parties
A vehicle may sustain damage as a result of deliberate actions by other persons.
For example:
- body damage;
- broken windows;
- damaged mirrors;
- damage to the paintwork;
- other unlawful actions.
Natural Disasters
Depending on the terms of the CASCO contract, coverage may extend to the consequences of natural phenomena, such as:
- strong wind;
- hail;
- flooding;
- mudslides;
- falling trees;
- other natural disasters.
Fire
If the vehicle is damaged as a result of fire or other circumstances specified in the contract, such an event may be covered.
Falling Objects
Sometimes a vehicle is damaged by falling:
- trees;
- building structures;
- ice or snow;
- other objects.
If the appropriate coverage is included, such a risk may be covered by the insurance contract.
Additional Risks
Depending on the chosen insurance program, the contract may provide for additional risks.
Their list is determined by the insurance terms and the selected insurance product.
What Is Typically Not Covered
The list of exclusions is always specified in the insurance contract.
As a rule, it is recommended to carefully review the terms before signing the contract.
Detailed information about coverage and exclusions is available from the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN".
Why It Is Important to Carefully Study the Contract
Each CASCO program differs in the scope of coverage.
Before purchasing a policy, it is recommended to pay attention to:
- the list of covered risks;
- exclusions from coverage;
- the sum insured;
- the presence of a deductible;
- the claims settlement procedure;
- additional terms of the contract.
Understanding these conditions will help you choose a program that meets your expectations.
Advantages of CASCO
✔ Comprehensive vehicle protection.
✔ Individual program selection.
✔ Financial protection in unforeseen events.
✔ Professional support in the event of an insured incident.
✔ Advisory assistance from specialists.
Frequently Asked Questions
Does CASCO cover vehicle damage in an accident?
Yes, if such a risk is provided for by the insurance contract.
Is car theft covered?
Yes, if the theft risk is included in the selected insurance program.
Does CASCO cover broken windows?
This depends on the terms of the specific contract and the chosen program.
Are all risks included automatically?
No. The list of insured risks is determined by the insurance contract.
Choose a CASCO Program That Suits Your Needs
Specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" will help you select the optimal insurance program, provide detailed information on coverage, and answer all your questions.
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