Many drivers mistake MTPL (OSAGO) and CASCO (KASKO) for the same type of insurance. In reality, they serve entirely different purposes.
compulsory insurance of civil liability of vehicle owners (CICLVO) — is a mandatory insurance. It protects other road users rather than you. If a road traffic accident occurs due to your fault, MTPL covers the damages caused to the victim— including their vehicle, health, or property. At the same time,
MTPL does not cover the repairs for your own vehicle.
CICLVO — is a voluntary insurance type that provides comprehensive protection for your vehicle. The policy remains effective regardless of who is found at fault in a road traffic accident and covers a wide range of risks, including physical damage to your vehicle.