What KASKO means

OSGOVTS is mandatory and pays injured third parties when you are liable for a road accident. KASKO is voluntary and protects your own vehicle against risks listed in the contract.

Typical checks include road accidents, theft, fire, natural events, falling objects, and actions by third parties. The exact list depends on the carrier rules.

The lowest premium is not always best. Compare deductible, exclusions, inspection, documents, decision time, and payout format: repair, cash, or service-center choice.

For a new or financed car, check bank requirements, coverage territory, and rules for storing keys and documents.