A car is not only convenience and comfort, but also responsibilityTo minimize the risks associated with accidents, natural disasters, theft or vandalism, every driver is faced with the need car insuranceBut which insurance to choose: Comprehensive insurance or CASCO? Do you need both? And in what cases is one better than the other? 🤔
In this article we will analyze:
What are the types of insurance?
What each type covers
What is better to choose in your situation?
Prices and real examples
Tips for saving money
📘 What is OSCPV?
CPL (compulsory civil liability insurance) is insurance, mandatory for every car owner, without which you cannot legally drive on the road 🚗
🔍 What does the OSCPV cover?
Cost of repair someone else's carif you were the culprit of a traffic accident
Treatment or compensation for damage the life and health of the victims
⚠️ IMPORTANT: OSCPV does not cover your car and your injuries. Only responsibility to others.
📕 What is CASCO?
CASCO — voluntary comprehensive insurance your car. It's like full coverage that protects you from all major risks.
🔍 What does CASCO cover?
✅ Car accident (even if you are at fault)
✅ Theft, kidnapping
✅ Damage from natural disasters: hail, storm, flood
✅ Damage to glass, mirrors, headlights
✅ Fire, explosion
✅ Actions of vandals
💡 Sometimes CASCO even covers scratches in the parking lotthat you didn't notice right away.
⚖️ Comparison of OSCPV and CASCO
| Characteristic | OSCPV | CASCO |
|---|---|---|
| Mandatory | Yes | No |
| Who is protected? | Third parties | You and your car |
| Price | Cheap | More expensive |
| Coating | Just pity others | Damage of any type |
| Additional options | You can connect “DCV” | Package and franchise selection |
| Compensation in a traffic accident | To the injured party | To you, regardless of guilt |
💸 How much does it cost?
OSCPV (for 2025):
From 800 UAH to 3000 UAH per year
Depends on:
Engine displacement
Registration locations
Driver experience
Availability of discounts (bonus-malus)
🔹 Voluntary Extension of Liability (VEL) — +300–600 UAH
CASCO:
From 3% to 8% of car cost per year
For example:
Car for 15,000 $ → CASCO = 450–1200 $/year
💡 You can save by choosing CASCO with deductible (you pay part of the losses yourself, but the cost of the policy is lower).
✅ Who is only suitable for OSCPV?
To the owners budget cars
If the car is old (15+ years)
If you do not leave the car unattended
If you have a limited budget
If you very careful driver
If the risks are minimal
Example: Car 2005, market price — 2500$. CASCO is not advisable, a comprehensive motor vehicle insurance with a minimum value of UAH 200,000 is sufficient.
✅ Who is better off getting CASCO?
To the owners new cars (up to 5 years old)
If the car is on loan or lease
If you often drive in the city/highway
If you leave your car outside
If you have already been in an accident
If important maximum financial security
Example: Car for 25,000$ in the city - CASCO protects against theft, vandalism, bad weather, and road accidents.
🛡️ Do you need both insurances?
Yes, CASCO does not replace MTPL.The law requires you to have comprehensive insurance, even if you have comprehensive insurance.
🎯 The perfect combination:
OSCPV (required)
DCV (optional, to extend the limit)
COMPREHENSIVE INSURANCE (if the car is new, expensive or leased)
💡 How to save on insurance?
Buy both policies at one company — often give a discount
Choose franchise — this reduces the cost of CASCO
Follow bonus-malus (no accidents - cheaper)
Compare prices in online calculators
Buy a policy online — sometimes cheaper than from a representative
Pay immediately after a year — it is more profitable than monthly
🔚 Conclusion
Which insurance is better? It all depends on your car, budget, and driving style.
| Situation | Recommended |
|---|---|
| Old car | OSCPV + DCV |
| New car | CASCO + CPL |
| Car loan | COMPULSORY INSURANCE |
| Frequent trips | OSCPV + CASCO |
| Small budget | Minimum OSCPV package |
🚘 If your goal is complete security and financial certainty, then CASCO is the best option. If you want to comply with the law and save money, MTPL is mandatory, and MTPL will help in the event of a major accident.
📲 Useful advice
Before buying a car, calculate: How much will insurance cost?This will help you make an informed decision and avoid spending more than you need. If you need help, contact an insurance broker or company you trust.
