Car insurance Basik KASKO: a profitable alternative to a full policy or saving on risk?

The car insurance market in Ukraine offers a wide variety of policies, each with its own characteristics and suited to a specific category of drivers. Find out what car insurance Basik KASKO covers in 2025, what its advantages and limitations are, and how to choose insurance in line with current trends

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Heavy traffic and the rising cost of car repairs are forcing Ukrainian drivers to take a particularly careful approach to insurance in 2025. Comprehensive motor insurance is traditionally considered the most reliable form of protection, but its price is often a significant obstacle for many car owners. As a result, car insurance Basik KASKO, a simplified but more economical form of insurance, is becoming increasingly popular. Drivers are actively seeking the optimal balance between comprehensive protection and an affordable policy price, and car insurance Basik KASKO offers this compromise solution, providing basic coverage for less money. Our task is to figure out in detail whether this product is really a profitable alternative, or whether hidden savings on protection can turn into unpredictable financial risks at a critical moment.

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Full KASKO or car insurance Basik KASKO: which insurance policy to choose?

The difference between KASKO and car insurance Basik KASKO is quite significant. Car insurance Basik KASKO, also known as limited coverage KASKO, is a voluntary type of insurance, the main purpose of which is to cover damage caused to your own vehicle as a result of a traffic accident. Its main difference from comprehensive KASKO is the narrow list of insured risks. Usually, a mini-policy focuses exclusively on covering damage sustained in a traffic accident, often regardless of whether the driver is at fault for the accident. Some extended packages may provide protection against total destruction of the car as a result of natural disasters. At the same time, comprehensive insurance offers comprehensive protection that covers a much wider range of risks, such as insurance for traffic accidents, theft, vandalism, damage by third parties, falling objects and other unforeseen events. Due to the smaller scope of coverage, the cost of car insurance Basik KASKO is significantly lower. This simplified option is ideal for owners of inexpensive, budget or older cars for whom comprehensive KASKO is unreasonably expensive. It is often chosen by drivers who want to get basic protection for their car as a supplement to the mandatory motor third-party liability insurance.

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Advantages of car insurance Basik KASKO: low price and online car insurance

The main and most obvious advantage of car insurance Basik KASKO is its lower cost compared to a full policy. The savings can be significant, making this product affordable for a wider range of car owners. In addition, car insurance Basik KASKO often offers simplicity and speed of registration: the policy can be purchased online in a matter of minutes, and most insurance companies do not require a mandatory photo inspection or expert assessment of the car. This greatly simplifies the process and saves time. Car insurance Basik KASKO covers the most common and expensive risk – traffic accidents, which is a big advantage, especially if the driver is at fault for the accident (which is not covered by compulsory motor insurance): the driver is protected from major financial losses without having to overpay for risks that they consider unlikely.

We discussed how to avoid fraud when purchasing a motor insurance policy and why you should only work with trusted companies in our previous article.

Limitations and risks of car insurance Basik KASKO: why is this policy not suitable for all drivers?

Despite its economic appeal, car insurance Basik KASKO can have significant drawbacks. The biggest risk is limited coverage: if your car is stolen, damaged by a falling tree or vandalism, a mini-policy will usually not provide compensation for such losses. In addition, some programmes may have significant deductibles (the portion of the damage that the driver covers themselves) or limits on the maximum payout, which may not cover the full cost of repairs in the event of a serious accident. In certain cases, companies may refuse to pay, for example, if the driver violates traffic rules or if the damage is minor and does not meet the established criteria. That is why it is extremely important to read the policy terms and conditions carefully and clarify all exceptions. For owners of new or expensive cars, as well as for those who often park in dangerous places, comprehensive KASKO is definitely more advantageous, as only it provides truly comprehensive financial protection.

TOP 5 mistakes drivers make when choosing car insurance We published this in our previous article.

Car insurance in Ukraine: how to choose the best option?

When choosing car insurance Basik KASKO, it is worth focusing on several key parameters.

1. Pay attention to the amount of coverage (the insurance company's liability limit) and the size of the deductible — the smaller the deductible and the larger the amount of coverage, the better.

2. Review the insurance terms and conditions and determine what risks your chosen package covers (only accidents, or natural disasters, total destruction, etc. are also included).

Find out if car insurance Basik KASKO is suitable for insuring your car against theft, by following the link on the Visit Ukraine portal.

3. For the best choice, compare offers from different insurance companies, taking into account their reputation and speed of payment.

Visit Ukraine Insurance offers a convenient online service for selecting insurance policies, which allows you to compare the terms and prices of different insurers in one place, get expert advice and quickly take out a policy that suits your needs and budget, without queues and unnecessary bureaucracy.

Car insurance Basik KASKO in 2025: trends and tips

In 2025, the demand for car insurance Basik KASKO among Ukrainian drivers continues to grow, leading to the emergence of new, more flexible insurance products. Insurance companies are actively introducing innovative online services and offering differentiated packages with discounts that can be tailored to individual needs. To achieve the optimal level of protection, experienced drivers often advise combining car insurance Basik KASKO with other types of insurance. For example, car insurance Basik KASKO perfectly complements compulsory motor third-party liability insurance (MTPL) because, unlike MTPL, it covers damage to your own car, even if you are at fault for the accident. This comprehensive solution provides reliable protection at a reasonable price.

What to do in the event of an insured event and how to receive payment under a car insurance Basik KASKO policy, read on the Visit Ukraine portal.

Car insurance Basik KASKO is a very profitable and rational compromise between price and safety for a certain category of car owners, in particular for owners of older or budget cars. It provides the minimum necessary protection against the most common risks, but cannot replace full insurance coverage. To ensure that this choice is truly beneficial and does not turn into a risk, it is necessary to carefully study the terms of the contract and thoroughly compare offers.

Choose reliable protection for your car with Visit Ukraine Insurance — compare offers, purchase a policy online, and travel with confidence.

Reminder! For those who are planning a trip to Ukraine and need their own transport for comfortable travel between cities, the Visit Ukraine portal offers a car rental service. A significant advantage of this service is that the car already has the appropriate insurance and other necessary documents at the time of rental.

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