Mini CASCO is a voluntary car insurance that covers losses not only in the event of an accident, but also in the event of passive war risks. Find out more about how the policy works and whether you can get compensation if your car is damaged by missile and drone fragments

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Mini CASCO is an insurance policy that is not mandatory in Ukraine, but is quite popular not only among Ukrainian drivers but also among visitors to the country. What Mini CASCO covers and whether it is possible to receive compensation in case of destruction of the car by missiles and drones - we will tell you further in the article.

What is Mini CASCO insurance?

Mini CASCO is a voluntary policy that provides additional protection to vehicle owners. The main difference between the policy and the well-known motor third party liability insurance is that with Mini CASCO, the driver can rely on his insurance not only if he is a victim, but also if he is found to be the culprit of an accident.

In addition to damage as a result of an accident, depending on the chosen package, Mini CASCO covers tow truck services, complete destruction of the vehicle as a result of a natural disaster and passive war risks.

Important! The Mini CASCO policy is available not only for Ukrainians, but also for foreigners who are planning a trip to Ukraine and want to take care of additional protection on the roads.

War risk insurance for cars: under what conditions can you get a refund

One of the Mini CASCO car insurance packages covers damage caused to a car as a result of passive war risks.

Passive risks of war are events that involve the direct use of certain means of destruction by the warring parties. Therefore, you can receive compensation as a result of:

● the use of munitions, including cluster munitions of various types, and their consequences that affected the vehicle;
● falling of manned and unmanned aircraft, guided and unguided missiles, bombs and shells and/or their parts and fragments;
● damage by air/ missile defence systems and their fragments;

● a vehicle hitting a mine, shell, bomb or missile warhead, the impact of which on the vehicle is accidental (except for events in areas that are excluded or designated by the authorities as no-go areas);

Keep in mind that Mini CASCO does not cover the use of means of mass destruction (chemical, biological, nuclear) and their consequences.

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Military risk insurance in Ukraine: how to buy Mini CASCO?

On the Visit Ukraine portal, you can purchase a Mini CASCO policy from a reliable insurer for guaranteed protection on the country's roads online. There are three types of packages available for periods ranging from a month to a year for cars, motorcycles, scooters, trucks, as well as trailers and semi-trailers.

To protect your car from military risks, you need to choose the appropriate package.

For your convenience, Mini CASCO insurance is available in three tariffs to choose from, which differ in the losses covered:

● Economy. Covers losses only in the event of a road traffic accident in the presence of another party to the accident.
● Basic. Covers losses in the event of an accident in the presence of another party to the accident and complete destruction of the vehicle as a result of a natural disaster.
● Maximum + war risks. Covers losses in the event of a road traffic accident in the presence of another party to the accident, complete destruction of the vehicle as a result of a natural disaster, complete destruction of the vehicle in case of passive war risks and tow truck services.

Just a reminder! The price of the Mini CASCO policy differs depending on the chosen package. Find out how much insurance costs in 2024 and how to calculate the price yourself here.

Photo: Oleg Syniehubov

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