Casco Insurance

The online Casco calculation helps to understand the approximate budget for insurance. Online Casco insurance does not take into account many nuances, and it can sometimes be difficult to choose the right program on your own. For example, you might want to reduce the rate without worsening the protection conditions. Or you might want to insure your car only against theft. The calculator will help you estimate how much such car insurance will cost. However, an insurance company expert will consider all your wishes and help you choose the optimal option.

Two important points: the content of the insurance contract and the reputation of the insurance company.

There are at least four clauses in the Casco contract that need to be carefully reviewed:

• the sum insured for which your vehicle is protected. Ideally, it should be 100% of the real value of the vehicle — no more, no less;
• risks — events in which damage to a vehicle is compensated, including theft and traffic accidents;
• exceptions — situations where the driver will not receive compensation from the insurance company;
• deductible — the portion of the damage that the insurance company will not compensate you for. It can be expressed as a percentage of the sum insured or as a monetary equivalent, for example, 100 euros. It is also possible to purchase a policy with no deductible.

All this information is included in the contract. If you need clarification, feel free to ask a representative of the insurance company. Be sure to ask what you need to do in the case of an insured event: what requirements you need to meet and what documentation you need to provide for the company to compensate for your damages. Ask for examples of other clients' practices so you can feel confident in making the right choice.

This is a car insurance program that protects against a specific list of risks both in Ukraine and abroad: for example, accidents and theft. Additionally, Casco protects the car from illegal actions, fire, or natural disasters such as heavy hail, wind, floods, and other similar incidents. This protection will apply if the car suffers sudden damage — for instance, if a tree or billboard falls on it.

Important: such insurance does not complement the mandatory auto liability insurance. Casco is a separate voluntary car insurance contract.

On the whole territory of Ukraine, except for the temporarily occupied territories, no matter where you purchased it. Even if you bought Casco in Kyiv, went on a business trip and had a traffic accident there, the coverage will work. Reliable insurance companies can offer a policy that is valid throughout Europe. It is perfect for those who travel by car outside Ukraine.  

UNIQA's Casco is also available in Europe, Turkey and Georgia.

Comprehensive insurance is a voluntary type of insurance designed to protect your vehicle from unforeseen circumstances. Unlike liability insurance, which is mandatory and covers damage caused to other road users, comprehensive insurance is designed to compensate the car owner for losses. This means that if your car is damaged by a falling tree, a billboard, or due to the careless actions of others, the insurance company will cover the repair costs.

It is important to remember that comprehensive insurance does not replace auto liability insurance and is not a supplement to it. It is a separate contract that is concluded at the owner’s discretion. Together, these two types of insurance provide comprehensive protection: auto liability insurance protects others, while comprehensive insurance protects you.

Comprehensive insurance covers a wide range of risks, so car owners can feel much more at ease behind the wheel. The insurance policy applies in cases of traffic accidents (even if you are at fault), vehicle theft, fire, explosion, lightning strikes, falling objects, damage caused by natural disasters, or unlawful acts by third parties. This means that in the event of unforeseen circumstances, the insurance company covers all costs associated with repairing the vehicle within the scope of the policy.

At the same time, each policy includes certain limitations. For example, insurance compensation is not paid if you were driving under the influence of alcohol or drugs or grossly violated traffic rules.

The price of a comprehensive insurance policy depends on several key factors:

• the insured amount, which should correspond to the vehicle’s actual market value;
• the range of risks covered by the insurance policy. The broader the list of situations in which the company assumes financial liability (e.g., theft, traffic accidents, natural disasters), the higher the policy price will be;
• exclusions, i.e., circumstances under which compensation is not paid. Their presence or number can also affect the premium;
• the deductible, i.e., the portion of the loss that the owner covers themselves. It can be a fixed amount or a percentage of the insured amount.

Accordingly, the cost of comprehensive insurance is always individual, so before signing, it is worth carefully reviewing all the terms of the contract and, if necessary, asking for clarification from an insurance company expert.

Some drivers mistakenly believe that comprehensive auto insurance is valid only within Ukraine, but in reality, its coverage is much broader. The policy is valid throughout the entire country, with the exception of temporarily occupied regions, and this does not depend on the city where you purchased it.

In addition, the insurance coverage is valid abroad, specifically in most European countries, as well as in Turkey and Georgia. This is very convenient for those who frequently travel in their own car or go on business trips.

It is important to note that the specific list of countries is specified in the contract, so we recommend carefully reviewing these terms before your trip.

If an insured event occurs, it is important to act quickly and correctly. First and foremost, do not leave the scene of the incident and notify UNIQA within three hours. Follow all instructions from the specialist you are in contact with. If there are other parties involved in the incident, ensure it is properly documented: call the police or fill out a European accident report (provided there are no injuries, the drivers have valid insurance policies, there is agreement on liability, and there are no signs of intoxication).

You can submit the documents for reimbursement in a convenient way: via a chatbot on Viber or Telegram, or directly at the service center recommended by the company. Do not begin repair work until you receive written permission from an authorized company representative.

To file an insurance claim, you must submit the following documents:

• a claim form;
• an accident report or police documents (accident diagram, reports, statements from those involved);
• copies of the driver’s license, vehicle registration certificate, the owner’s passport or ID card, and TIN;
• photos of the vehicle from all sides and of the damage.

If the payment is not made to the owner, documents confirming their right to receive compensation are required. If available, include photos or videos from the scene of the accident and a repair shop invoice.

UNIQA Insurance will decide whether to approve or deny the claim within 5 business days of receiving the complete set of documents. The compensation itself will also be transferred within 5 business days to the specified account details.

The number of drivers and their driving experience are not limited by the terms of the comprehensive insurance policy; in other words, the insurance coverage will apply regardless of who was behind the wheel at the time of the accident. This could be the vehicle owner, a family member, or another person to whom the vehicle was entrusted. The main requirement is that the driver holds a valid license and complies with traffic laws.

At the same time, there are standard exceptions. The insurance policy does not cover cases where the person behind the wheel did not have a license, was under the influence of alcohol or drugs, or where the accident occurred as a result of intentional actions.

Comprehensive insurance is one of the most comprehensive types of coverage for a vehicle, but the policy always clearly specifies a list of exclusions where no compensation is provided. First and foremost, this applies to situations where the driver was operating the vehicle without a license or while under the influence of alcohol or drugs. Other exceptions include:

• operation in gross violation of the manufacturer’s technical requirements;
• damage due to a manufacturing defect or natural wear and tear of parts;
• damage due to careless handling of fire, use of low-quality fuel, an incompatible charger for an electric vehicle, or the transport of hazardous substances or animals in
• the passenger compartment.

Under the terms of partial comprehensive insurance, losses related to military actions are not covered.

After an insured event occurs, vehicle repairs are typically carried out at partner service centers that work with UNIQA Insurance. This allows us to monitor the quality of the work and approve invoices for payment more quickly. You will be provided with a list of service centers where you can have your car repaired.

We also offer the option to choose a service station yourself. In that case, the insurance company can either pay the service station directly or reimburse the owner after receiving the invoices. Therefore, it is advisable to discuss this matter with the company’s experts before starting the repairs.

In most cases, once repairs are complete, the vehicle must be inspected by a representative of the UNIQA insurance company. This is necessary to verify the quality of the work performed and to confirm that the damage has been properly repaired. The inspection can be conducted directly at the repair shop or at a designated location.

The procedure takes little time but is an important step in closing the insurance claim. Therefore, it is worth setting aside some time for it and calmly completing all the formalities to avoid future disputes between both parties.

UNIQA Insurance offers the option to purchase select comprehensive insurance policies online. Typically, the process begins by calculating the cost of the insurance using an online calculator. Next, you select the terms of the policy and fill out a form with the car owner’s information. You will need to provide:

• passport number or ID card number;
• tax ID number;
• vehicle registration number;
• chassis number;
• driver’s contact information.

After payment, the policy is sent to the specified email address and appears in the myUNIQA mobile app.

The comprehensive CASCO policy is issued after the application is submitted and the vehicle is inspected by a UNIQA expert.

You can only purchase comprehensive insurance for a vehicle that has official documents and is registered in accordance with current legislation. If the vehicle was imported from abroad and has not yet been registered in Ukraine, it will not be possible to enter into a full comprehensive insurance policy.

The same applies to cars with U.S. license plates. Therefore, to fully insure a car under comprehensive insurance programs, it is best to ensure official registration immediately after importing it into Ukraine.

Yes, UNIQA offers flexible payment terms for comprehensive auto insurance. You can pay the full amount at once in a single payment or split it into two installments over the course of the year. Insurance coverage takes full effect from the first day of the policy, even if only the first installment has been paid.

Keep in mind that you must strictly adhere to the payment schedule. If you miss a payment, the insurance company may suspend the policy or refuse to pay out. Therefore, before opting for an installment plan, make sure that meeting the payment deadlines won’t be a problem.

A deductible is the portion of the loss that the car owner covers out of pocket. It can be set as a fixed amount (for example, 2,000 or 5,000 UAH) or as a percentage of the insured amount (for example, 0.5%, 1%, or 2%).

For example, if the deductible is 2% and the insured amount is 500,000 UAH, then in the event of a claim, the owner pays 10,000 UAH out of pocket, and the insurance company covers the remainder. The higher the deductible, the lower the cost of the policy itself, since the owner assumes part of the risk.

If, however, you want any losses to be covered without your participation, you can take out a policy without a deductible; however, the price will be higher.

Choosing comprehensive auto insurance is a personal decision. Insurance terms and costs can vary significantly. UNIQA Insurance offers several plans with different sets of options. To choose the best option, we recommend following these steps:

• review the terms of each plan available on the website;
• calculate the cost of the comprehensive insurance policy online or request a price quote from the company’s experts;
• carefully compare the program options and choose the one that best meets your expectations.

An insurance policy selected in this way will truly provide coverage in the event of unforeseen situations.