Analysts are observing a growing demand for voluntary partial coverage auto insurance among used car buyers. The month of November saw strong uptake in policies offered by Casco, with Simple Rules outperforming January sales by more than fivefold, as reported by Rosgosstrakh. This trend reflects a shift in consumer behavior toward practical protection options that fit a tighter budget while still delivering meaningful coverage for everyday risks.
Experts point to several factors behind the rising popularity of this kind of insurance. The surge in used car sales through dealership networks increases exposure to post purchase protection needs. Owners are increasingly mindful of gaps in spare parts supply and the potential cost of repairs after accidents. At the same time, there is growing demand for add-on services that complement conventional coverage, giving drivers a fuller safety net without committing to a full hull policy.
Even drivers who are not ready to purchase a comprehensive hull policy want protection today. Minor incidents can incur hefty repair bills, and a ready-made partial coverage solution provides timely financial relief and peace of mind.
The Casco product Simple Rules is tailored for customers who buy used cars from dealerships and also hold OSAGO along with voluntary auto insurance. The policy reimburses the owner not only in cases of theft but also in the event of damage to the vehicle caused by another party or by external factors such as falling trees. It also covers situations where the responsible party lacks civil liability insurance.
In addition, policyholders gain access to support services, including roadside assistance in the event of a breakdown or accident, technical help on the spot, battery jump starts, tire changes, fuel delivery and more. These services are designed to keep the vehicle mobile and minimize downtime after incidents.
Acknowledgments and imagery are provided through Depositphotos for visual context.
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