Additional civil liability (DGO)

Many who have bought compulsory car insurance CTP (avtotsivilka, avtograzhdanka) calm down and believe that they have shifted all responsibility to the insurance company. But do not rejoice ahead of time, as there are a number of reasons for this.

Why is there not enough ordinary car insurance?

The fact is that insurance coverage at the legislative level has been cut down and is for 2021:

This means that if the cost of damage is higher than the insured amount, all damage will have to be paid to the perpetrator of the accident.

How can this be avoided, you ask?

Of course, it is difficult to secure yourself on 100%, but there is a way to increase the limit of the insured amount on property up to UAH 1 million (the maximum expansion depends on the chosen insurance company). An insurance product to increase the insured amount is called VCO

What is DGO?

Voluntary Civil Liability (Voluntary Civil Liability) - This is a voluntary type of car insurance, which can be purchased exclusively with the basic insurance of the Auto MTPL, which is needed to increase the basic insurance amount.

This insurance will increase the liability of the insurance company and protect you from possible costs in the event of an accident. We strongly recommend that you take out this type of insurance when buying insurance for your car.

DGO can be bought for any type of transport, be it a car or a bus.

How to buy a DGO for your car and how much does it cost?

In order to purchase a DGO, you need to select the required amount for expansion when taking out insurance. Link to OSAGO calculator to select the best offer.

After choosing the necessary parameters of your car and clicking on the "Calculate the cost" button, you will receive a list of offers from different insurance companies. Each card (company) has the option of choosing additional coverage, which indicates the amount of coverage and the additional cost of this service.

If there is no such option in the company card, then the insurance company does not provide the opportunity to expand the insured amount for the parameters you selected (type of vehicle, duration, etc.).


Only you decide to use this type of insurance or not, but you should always remember that we are surrounded by expensive cars, the repair of which can cost incredible amounts. In order not to think about it, you need to additionally spend a small amount (payment once a year) when buying basic car insurance.

Make the right choice! And our calculator and rating of companies will help you choose the most profitable and optimal insurance option.


⭐ What is DGO?

Voluntary type of insurance to increase the base amount insured in OSAGO

✔️ Is it worth buying a DGO?

Definitely yes! The risks are so great that the need to increase coverage is overwhelming. We advise you to increase by no less than 200-500 thousand UAH

☕ What is the price of DGO?

The cost of DGO depends on the chosen company for OSAGO, in calculator choose the amount of coverage and see the current prices
But the price is so low that this type of insurance should not be neglected.