My Worst Experience with KASKO: A Cautionary Tale

I'll start with the basics, but they're worth mentioning. In November 2025, my insurance with T-strakhovanie was up for renewal, and I was shocked to see their prices had more than doubled. I figured it was time to shop around and see what else was out there. That's when I stumbled upon KASKO from Renaissance. The lower price, monthly or quarterly payments, lower franchise fee, and a couple of interesting options like roadside assistance caught my eye. After reading some reviews, I decided to give it a shot. The initial setup wasn't exactly a walk in the park, but it was doable, and the payment went through without a hitch. Things were looking good until it was time for the next payment. My subscription was set to expire on December 20, 2025. On December 16, I got an SMS saying: 'December 19, 2025, we'll deduct … for KASKO. Check your card balance.' On the 19th, the payment went through, but on the 20th, I got another SMS saying: 'Your KASKO subscription has expired. Buy a new policy…' I was confused, so I reached out to their customer support via chat, explaining the situation and attaching a screenshot of the payment receipt. Simple, right? Two hours went by with no response. I called them, and the conversation was a mix of vague answers and recommendations to sign up for a new subscription. I asked if I could just renew the old one, and they said the payment had gone through and they had a screenshot in the chat. They told me a request had been submitted, and it would take 2-3 working days to resolve. Five days went by, and I was stuck in limbo. I waited until Tuesday, but there was no response. I called again, asked for the screenshot again, and still, nothing. That evening, I got a weird email from Renaissance that I thought was a status update. The next morning, I checked the email, and there was a small print asking for a receipt for the payment. I pointed out that the screenshot was already in the chat, and I sent it again. On December 26, 2025, I got a response saying my subscription couldn't be renewed, and I should sign up for a new one – with the cryptic message 'The subscription was automatically renewed due to technical reasons.' It wasn't until Wednesday that I realized the implications of this whole ordeal. If a company can't even manage payments, what would happen in case of an insurance claim? It's a big red flag, and I'd advise against using Renaissance's KASKO service.