How CASCO differs from OGPO
OGPO covers your liability to others, CASCO covers your own car. When you need both and how to save.
OGPO and CASCO are often confused, but they are two different policies. One covers your liability to others, the other protects your own car.
OGPO — liability to others
OGPO (mandatory motor third-party liability) covers harm you cause to others' health or property in an accident. It is mandatory for every driver.
OGPO does not pay for repairs to your own car — the payout goes only to the injured party.
CASCO — protection for your car
CASCO is a voluntary policy covering damage to your car: accidents (even at-fault), theft, damage or natural disasters.
CASCO pricing is not regulated and depends on the car's value, age and program — so it's worth comparing across insurers.
When you need both
OGPO is mandatory for everyone. CASCO matters most for new, expensive and financed cars — banks often require it for a car loan.
Together they give full protection: OGPO towards others, CASCO for your own car.
Key takeaways
- OGPO is mandatory and protects others; CASCO is voluntary and protects your car.
- OGPO price is uniform, CASCO prices differ.
- A financed car usually needs both.