diff --git a/apps/web/process/insurance/validation.ts b/apps/web/process/insurance/validation.ts
index 9566a62..cbfa5ec 100644
--- a/apps/web/process/insurance/validation.ts
+++ b/apps/web/process/insurance/validation.ts
@@ -14,6 +14,8 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
     insDecentral: true,
     leasingPeriod: true,
     leasingWithoutKasko: true,
+    partialVAT: true,
+    product: true,
     quote: true,
     recalcWithRevision: true,
   })
@@ -33,6 +35,8 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
           insurance,
           brand: brandId,
           fingap: fingapRisks,
+          partialVAT,
+          product: productId,
         },
         ctx
       ) => {
@@ -210,6 +214,26 @@ export function createValidationSchema({ apolloClient }: ValidationContext) {
             }
           }
         }
+
+        let evo_baseproduct: CRMTypes.GetProductQuery['evo_baseproduct'] = null;
+        if (productId) {
+          const { data } = await apolloClient.query({
+            query: CRMTypes.GetProductDocument,
+            variables: { productId },
+          });
+          ({ evo_baseproduct } = data);
+        }
+
+        if (
+          (partialVAT || evo_baseproduct?.evo_sale_without_nds) &&
+          insurance.values.kasko.insured === 100_000_001
+        ) {
+          ctx.addIssue({
+            code: z.ZodIssueCode.custom,
+            message: 'При частичном НДС нельзя включать КАСКО в график',
+            path: ['cbxPartialVAT'],
+          });
+        }
       }
     );
 }