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| Parameter | OSAGO | CASCO |
|---|---|---|
| Type of insurance | Mandatory | Voluntary |
| What it protects | Driver's liability to third parties | The insured vehicle itself |
| Damage to own vehicle | Not covered | May be covered |
| Vehicle theft | Not covered | May be included in coverage |
| Damage due to natural phenomena | Does not cover own vehicle | May be included in coverage |
| Insurance terms | Governed by OSAGO legislation | Determined by the selected program and contract |
| Type | What it includes | Who it may suit |
|---|---|---|
| Full CASCO | Wide range of risks: damage, theft, total loss, and other events | Those who want maximum vehicle protection |
| CASCO for basic risks | For example, only theft and total loss | Those who want to protect against major financial losses |
| CASCO with deductible | The client accepts part of the damage | Those who want to reduce insurance costs |
| Limited coverage program | Insurance for specific risks or events | Those who do not need a full set of protection |
| Document / data | Purpose |
|---|---|
| Policyholder's passport | Client identification |
| Vehicle registration certificate or title | Vehicle data confirmation |
| Driver's licenses | Information on drivers authorized to operate the vehicle |
| Vehicle information | Calculation of insurance cost and terms |
| Vehicle inspection or photos | May be required by the insurer before concluding the contract |
| Type of pass | Validity period / time | Who it is suitable for |
|---|---|---|
| One-time pass | Up to 5 days | For one-time delivery or several trips over a short period |
| Annual pass | Up to 1 year | For carriers who regularly work in Moscow |
| Day pass | From 07:00 to 23:00 | For daytime transportation |
| Night pass | From 23:00 to 07:00 | For nighttime transportation |
| Document | Purpose |
|---|---|
| Driver's license | Driver data verification |
| Vehicle registration certificate | Vehicle data |
| Vehicle title or equivalent document | Additional vehicle information |
| Diagnostic card | Confirmation of technical inspection in required cases |
| Transportation documents | Confirmation of the need for truck movement in Moscow |
| Additional documents | May be required depending on the nature and route of transportation |
| Violation | How it may be recorded |
|---|---|
| Exceeding the speed limit | By automatic camera or traffic police officer |
| Running a red light | By camera or traffic police officer |
| Violation of road sign and marking requirements | By camera or traffic police officer |
| Violation of stopping and parking rules | By camera or authorized services |
| Other traffic violations | Depending on the nature of the violation |
| Parameter | OSAGO | CASCO |
|---|---|---|
| Type of insurance | Mandatory | Voluntary |
| What it protects | Driver's liability to third parties | The insured vehicle itself |
| Damage to own vehicle | Not covered | May be covered |
| Vehicle theft | Not covered | May be included in coverage |
| Damage due to natural phenomena | Does not cover own vehicle | May be included in coverage |
| Insurance terms | Governed by OSAGO legislation | Determined by the selected program and contract |
| Type | What it includes | Who it may suit |
|---|---|---|
| Full CASCO | Wide range of risks: damage, theft, total loss, and other events | Those who want maximum vehicle protection |
| CASCO for basic risks | For example, only theft and total loss | Those who want to protect against major financial losses |
| CASCO with deductible | The client accepts part of the damage | Those who want to reduce insurance costs |
| Limited coverage program | Insurance for specific risks or events | Those who do not need a full set of protection |
| Document / data | Purpose |
|---|---|
| Policyholder's passport | Client identification |
| Vehicle registration certificate or title | Vehicle data confirmation |
| Driver's licenses | Information on drivers authorized to operate the vehicle |
| Vehicle information | Calculation of insurance cost and terms |
| Vehicle inspection or photos | May be required by the insurer before concluding the contract |
| Type of pass | Validity period / time | Who it is suitable for |
|---|---|---|
| One-time pass | Up to 5 days | For one-time delivery or several trips over a short period |
| Annual pass | Up to 1 year | For carriers who regularly work in Moscow |
| Day pass | From 07:00 to 23:00 | For daytime transportation |
| Night pass | From 23:00 to 07:00 | For nighttime transportation |
| Document | Purpose |
|---|---|
| Driver's license | Driver data verification |
| Vehicle registration certificate | Vehicle data |
| Vehicle title or equivalent document | Additional vehicle information |
| Diagnostic card | Confirmation of technical inspection in required cases |
| Transportation documents | Confirmation of the need for truck movement in Moscow |
| Additional documents | May be required depending on the nature and route of transportation |
| Violation | How it may be recorded |
|---|---|
| Exceeding the speed limit | By automatic camera or traffic police officer |
| Running a red light | By camera or traffic police officer |
| Violation of road sign and marking requirements | By camera or traffic police officer |
| Violation of stopping and parking rules | By camera or authorized services |
| Other traffic violations | Depending on the nature of the violation |
| Federal route | Who uses it most often | Purpose |
|---|---|---|
| M-12 "Vostok" | Carriers from Kazakhstan and China | International transportation between Kazakhstan, central Russia, and eastern regions |
| M-11 "Neva" | Logistics companies | Cargo delivery between Moscow and Saint Petersburg |
| M-4 "Don" | International carriers | Transportation to southern regions of Russia and Black Sea ports |
| Central Ring Road (CRR) | Transport companies | Bypassing Moscow without entering the city and distributing cargo flow |
| Federal highways of Siberia and the Urals | Carriers from China and Kazakhstan | International cargo transportation between Asia and the European part of Russia |
| Toll section | Who uses it most often | Purpose |
|---|---|---|
| Astana — Shchuchinsk | Tourists and carriers | Connects the capital with the Burabay resort area |
| Astana — Temirtau | International carriers | One of the main routes in central Kazakhstan |
| Almaty — Konayev | Tourists and residents of border regions | Trips to the Kapshagay reservoir and transit routes |
| Shymkent — Uzbekistan border | Citizens of Uzbekistan and international carriers | International route towards Tashkent |
| Shymkent — Taraz | Carriers from Kyrgyzstan and Uzbekistan | One of the most important transport corridors in southern Kazakhstan |
| Toll road | Who uses it most often | Purpose |
|---|---|---|
| M-12 "Vostok" (Moscow — Kazan, further development towards Yekaterinburg) | Carriers and travelers from Kazakhstan | One of the main routes between Kazakhstan and central Russia |
| M-11 "Neva" (Moscow — Saint Petersburg) | Tourists, carriers, international business | Fast connection between Russia's two largest cities |
| M-4 "Don" | Tourists from Kazakhstan and CIS countries | Trips to southern Russia and the Black Sea coast |
| Central Ring Road (CRR) | International carriers | Allows bypassing Moscow without entering the city |
| Western High-Speed Diameter (WHSD) | Drivers heading to Saint Petersburg and seaports | Used for international transportation through northwestern Russia |
| Payment method | Suitable for RF residents | Suitable for non-residents | Features |
|---|---|---|---|
| Russian bank card | ✓ | Not always | Requires a Russian bank card |
| Transponder | ✓ | Partially | Must purchase the device and top up the balance |
| Road operator online services | ✓ | Partially | Restrictions may apply when using foreign bank cards |
| Payment through GreenGo | ✓ | ✓ | The agent helps the client pay for travel even without Russian payment instruments |
| Document | Purpose |
|---|---|
| Passport | Policyholder identification |
| Vehicle documents | Verification of vehicle characteristics |
| License plate number | Policy registration |
| Contact details | Receiving insurance documents |
| Program | Who it is for | Features |
|---|---|---|
| Option 1.2 | Adults | Basic medical protection |
| Option 1.3 | Adults | Extended coverage, additional services and repatriation |
| Option 1.9 | Children | Special medical insurance program for children |
| If the client... | Recommended program |
|---|---|
| Is planning a short trip | Option 1.2 |
| Wants maximum insurance protection | Option 1.3 |
| Is traveling with a child | Option 1.9 |