Comprehensive Car Insurance (KASKO)

KASKO is voluntary car insurance that protects your own car. This matters because many people confuse KASKO with mandatory motor insurance.

Put simply:

• mandatory liability insurance covers damage to other people if you are at fault;
• KASKO protects your own car.

So KASKO is not about “having it because the law requires it.” It is about protecting your car and your money.

How KASKO works

Usually, it works like this:

1. You buy a policy.
2. The policy states in advance which risks are covered.
3. If an insured event happens, you contact the insurance company.
4. The company reviews the case and, depending on the policy terms, arranges compensation or repairs.

The key point is simple: the rules are known before the problem happens, not after.

What KASKO usually covers

The exact coverage depends on the policy, but KASKO often includes protection against situations like these:

• traffic accidents;
• theft or hijacking;
• fire;
• falling trees, objects, or snow;
• hail, heavy rain, strong wind, and other natural events;
• parking damage;
• unlawful actions by third parties;
• damage to windows, mirrors, bumpers, and other parts of the car.

One important thing to understand: KASKO does not mean “everything is covered no matter what.” Only the risks listed in the policy are covered.

Important terms to understand

Insured event — an event listed in the policy that gives you the right to compensation or repairs.
In simple words, if the event is included in the contract, you may count on insurance support.

Sum insured — the maximum amount covered under the policy.
This is the financial limit of protection.

Deductible — the part of the loss that the car owner pays personally.
Usually, the higher the deductible, the cheaper the policy.

Total loss — a situation where the car either cannot reasonably be repaired or the repair becomes too expensive to make sense.

Why people buy KASKO

Most people buy KASKO not because they expect trouble, but because they do not want one bad incident to seriously hurt their budget.

It is especially useful if:

• the car is new;
• the car is expensive to repair;
• the car was bought on credit;
• you drive a lot in the city;
• the car is needed every day for work, family, and daily life;
• you do not want to urgently look for a large amount of money after an accident or other damage.

Simply put, KASKO is often chosen by people who understand that car repairs can be painfully expensive.

Types of KASKO

KASKO is not always the same. The terms may differ.

• Full KASKO — broader protection against the main risks.
• KASKO with a deductible — the policy is cheaper, but part of the loss is paid by the owner.
• Limited or modular KASKO — only selected risks or a specific level of protection are included.

This is convenient because some people want maximum protection, while others only want to cover the most expensive and unpleasant risks.

Case example

Let us imagine a real-life situation. Aziz from Tashkent bought a car worth 220 million Uzbek soums and purchased KASKO with a deductible of 2 million soums. A few months later, another car hit his vehicle in a parking area near his office. The door and fender were damaged, and the repair cost was estimated at 11 million soums.

What happens next:

• Aziz contacts the insurance company.
• The case is reviewed and recognized as an insured event.
• Out of 11 million soums, 2 million soums are his deductible.
• The remaining 9 million soums are covered under the policy.

The result is simple: without KASKO, Aziz would have had to find the full repair amount himself. With KASKO, he still shares part of the cost, but the main financial burden becomes much lighter.