The main things
- The CASCO is issued at will and protects your car.
- The OGPO VTS policy is mandatory by law and covers your liability to other road users.
- The cost of OGPO VTS is fixed, regulated by law. The price of a CASCO depends on the conditions of the insurance company.
- The conditions for the OGPO VTS are always the same. CASCO conditions vary and depend on the insurance company.
- To fully protect against unexpected expenses, it is better to have both policies.
OGPO VTS
OSGPO VTS is a compulsory insurance of civil liability of vehicle owners. This policy is necessary for every car owner to drive a car in the Republic of Kazakhstan. Without this policy, driving on the roads is illegal.
What does the OGPO VTS cover?
OGPO VTS protects third parties and their property in case you become the culprit of an accident.
The policy provides for:
- Compensation for damage caused to the property of other persons;
- Reimbursement of expenses for the treatment of victims of an accident.
OGPO VTS does not cover the costs of:
- Repair damage to your car.
- Treatment of the culprit of the accident.
CASCO
CASCO is a voluntary insurance that provides protection for your car, regardless of who was responsible for the accident.
What does the CASCO cover?
- Car repair after an accident.
- Expenses in case of theft or complete destruction of the car.
- Damage caused by natural disasters (hail, flood, fire, etc.).
- Damage caused by illegal actions of third parties.
What is not covered by a CASCO?
CASCO usually does not include liability to third parties. This risk is covered by the OGPO VTS.