Many drivers think OSAGO and KASKO are the same type of insurance. In reality, they serve entirely different purposes.
compulsory insurance of civil liability of vehicle owners (CICLVO) — mandatory insurance. It protects not you, but other road users. If a traffic accident occurs through your fault, OSAGO covers the damage caused to the injured party — damage to their vehicle, health or property. At the same time,
OSAGO does not cover the repair of your own vehicle.
KASKO — a voluntary type of insurance that provides comprehensive protection for your vehicle. The insurance policy applies regardless of who is found at fault in a traffic accident, and covers a wide range of risks, including the damage caused to your vehicle.