Car Insurance

LET'S START WITH THE MAIN: WHAT IS AUTO INSURANCE?

TAS insurance group offers a whole range of products that will fully protect you from problems related to car operation.

In order to understand what services are needed, how to correctly calculate the cost and take out car insurance, we answered the most frequent and important questions about car insurance.

In general, car insurance is associated with problems that arise when using a car. But modern car insurance is not only the protection of the property of car owners, but also the health and civil liability insurance of road users.

Why do you need car insurance?

Such insurance is needed not only by beginners or extremes and not necessarily in Kyiv, Odesa or Kharkiv. In today's world of millions of cars and high speeds, even the most careful driver can run into trouble.

Natural disasters, inexperience or deliberate bravado of other persons, fatal accident - these are factors beyond our control.

Therefore, there is no complete guarantee for anyone to avoid problems with the car.

But everyone has the opportunity to protect themselves from financial losses and survive difficulties more easily by insuring a car with a reliable TAS insurance company.

What is car insurance like?

Car Insurance can be mandatory (established by law), voluntary (at the request of the insured) and includes several areas:

• third-party liability insurance for car owners. It is intended to compensate for damages caused to the health or property of others;
• full CASCO - insurance protection of the car against various types of damage, carried out by the owner of the insured car;
• insurance of the driver and car passengers against transport accidents.

The following types of car insurance are distinguished:

1. MTPL Insurance - mandatory type of civil liability insurance, established for all car owners. The car is insured by the driver or the owner; the insured person is the driver, passengers and third parties; protection is aimed at third parties who were injured in an accident involving the insured vehicle. The contract is valid in the country.
2. DCV (additional civil liability) – contract of voluntary civil liability insurance of car owners. The policy covers losses that exceed the limit of liability under the basic insurance of the OSCPV. The DCV contract can be concluded only in addition to the OSCPV policy.
3. Green Card - car insurance for traveling abroad. This is a "autocivilka" that operates outside of Ukraine, on the territory of states that are in the "Green Card" system.
4. Voluntary insurance against a transport accident. The insurance compensates for damages caused to the health of the driver and passengers of the insured car. Insurance takes place according to a flat-rate system (total insurance sum for everyone) or a seat system (each seat in the car corresponds to a separate amount of compensation).
5. CASCO - voluntary car insurance against theft, illegal actions of third parties, fire, natural disaster, destruction, damage due to road accidents or impact of foreign objects.

CASCO insurance programs are:

• with a different set of options - from minimal (simple and cheap) to full (with the maximum set of services);
• insurances operating on the territory of Ukraine and abroad;
• can be with or without franchise.

With CASCO insurance, installments are possible (payment of the policy in installments).

We offer two CASCO insurances with a wide range of options (including military risks) that will satisfy any car owner:

• "Correct CASCO" (for car insurance within the country);
• "Eurocasco Five Stars" (operates within the country and abroad).

Learn More in the CASCO section and from our consultants.

When and what car insurance to buy?

1. Every car owner must sign an OSCPV contract. The insurance must be renewed at least once a year, depending on the insurance period you have chosen.
2. Green card insurance is mandatory for cars traveling abroad. It is issued immediately before departure abroad.
3. CASCO, DCV, accident insurance, in most cases, are carried out at the request of the insured person.

Which insurance to buy, everyone decides for himself, but many programs often make the choice difficult.

Taking care of customers, TAS Insurance Group has developed auto insurance that combines the basic needs of most auto insurance customers.

The Full Protection program is full car insurance that includes:

• extended option of compulsory insurance of MTPL Insurance Plus;
• "Light CASCO" insurance (must include protection against theft and compensation for damages from road accidents);
• the program of medical assistance to the driver of the insured car in a traffic accident "Road Amulet".

Details about "Complete Protection" insurance can be found in the section with the same name.

How much does car insurance cost?

It is impossible to answer the question of how much it costs to buy car insurance unequivocally. But you can calculate the cost of car insurance in Ukraine for each type of insurance.

For OSCPV contracts a general tariff is set, but the cost of each policy is calculated separately and based on many factors (for more details, see the OSCPV section).

For this insurance, there are state benefits for various categories of citizens, and individual discounts from companies may also be applied (for example, with long-term insurance without losses).

You can calculate the cost of the OSCPV policy yourself on the website, using an online calculator, you can do it yourself issue and purchase insurance.

The price of the policy CASCO (per year) will be from 0.99% to 6% of the cost of the vehicle. For an approximate calculation, you can use an online calculator, but you cannot buy a policy instantly. This insurance requires a preliminary examination of the car by a specialist and the correct consideration of various nuances. For an accurate calculation of the cost of insurance, it is necessary to contact the managers on the hotline. You can calculate the final price of the policy and conclude a contract by ordering a consultation from our specialists on the website, as well as by contacting our branches in Kyiv, Dnipro, Lviv and other cities.

Car insurance online: what and how to do it

Online auto insurance is available for OSCPV and DCV programs.

You can take out car insurance and purchase a policy on the website by filling out an electronic application form and paying for the order with a bank card.

Immediately after payment, the insurance contract will be sent to the specified e-mail.

The policy can also be obtained by mail in Kyiv and other settlements.

The electronic version of the contract is a full-fledged policy in 5 minutes, which has the same legal force as the paper counterpart.

If you have any remaining questions, please contact us by phone on the hotline or contact our offices in Kyiv and other cities throughout the country.