Every car in the Avtouzbegim fleet is insured under OSAGO. Below is what it covers and how to add extra KASKO protection.
OSAGO — Compulsory Insurance
Every Avtouzbegim car is insured under OSAGO (compulsory third-party liability insurance) — it is included in the rental price and is active from day one.
What OSAGO Covers
Damage to a third party's vehicle if you are at fault in an accident
Injury to the life or health of other people
Damage to third-party property — a fence, a pole, a building, etc.
Important: OSAGO does not cover damage to your own rented vehicle. To protect the car itself, get KASKO — see below.
KASKO — Voluntary Comprehensive Insurance
KASKO can be added on top of OSAGO — it protects the rented vehicle itself against most damage and risks, including situations where you are at fault.
What KASKO Covers
Damage to your vehicle, including cases where you are at fault
Accidents involving any parties
Theft or unlawful seizure of the vehicle
Fire or explosion
Natural disasters — hail, flooding, etc.
Falling objects — trees, ice, structures, etc.
What KASKO Usually Doesn't Cover
Tires, wheels and glass — unless additional coverage is arranged
Interior damage
Personal belongings in the vehicle
Damage caused by breaching the contract terms — for example, driving under the influence
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