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Страхування авто 12

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Questions and answers
What is Compulsory Motor Third Party Liability Insurance?

The MTPL (Compulsory Motor Third Party Liability Insurance) compensates for damage caused to the life, health, and property of third parties who suffered in a traffic accident. The agreement is valid within the territory of Ukraine.

The law establishes liability limits (the amount reimbursed by the insurance company):

  • 320,000 UAH — for damage caused to the life and health of the victim, without limiting the number of victims.
  • 160,000 UAH — for damage caused to property per victim.

Passenger vehicles, electric vehicles, motorcycles and scooters, and trailers. Insuring vehicles used in taxis is not possible through the website. To sign a contract for other vehicles, contact the chatbot.


Contact the chatbot in Viber or Telegram.

One year. Select the desired start date of the contract at the time of its signing: not earlier than next day, and not later than 30 days from the current date.

Yes, you can. Contact the chatbot in Viber or Telegram.


If you damage a third party's vehicle in a traffic accident and the amount of compensation exceeds UAH 160,000 (the limit set by law in the Compulsory MTPL), you must pay the difference yourself. Given the cost of modern vehicles, the likelihood of such damage is very high.

Fortunately, you can protect yourself from additional financial costs by purchasing an additional limit with a Voluntary Motor Liability Insurance policy:

  • UAH 300,000 — recommended for small cities
  • UAH 600,000 — recommended for cities with a million+ population
  • UAH 1,000,000 — recommended for cities with a million+ population

Yes. Pay attention to the validity dates of the insurance contracts, as the Voluntary Motor Liability Insurance is only valid beyond the limit of the Compulsory Motor Liability Insurance. Therefore, it is very important that you have a valid Compulsory MTPL Insurance contract.

This is a car insurance program that protects against a specific list of risks both in Ukraine and abroad: for example, accidents and theft. Additionally, Casco protects the car from illegal actions, fire, or natural disasters such as heavy hail, wind, floods, and other similar incidents. This protection will apply if the car suffers sudden damage — for instance, if a tree or billboard falls on it.

Important: such insurance does not complement the mandatory auto liability insurance. Casco is a separate voluntary car insurance contract.

On the whole territory of Ukraine, no matter where you purchased it. Even if you bought Casco in Kyiv, went on a business trip and had a traffic accident there, the coverage will work. Reliable insurance companies can offer a policy that is valid throughout Europe. It is perfect for those who travel by car outside Ukraine.  

UNIQA's Casco is also available in Europe, Turkey and Georgia.

There are no all-in-one programs — the terms and price of Casco vary widely from company to company. Even one company may offer different contracts to choose from. To avoid confusion, we recommend insuring your vehicle in three steps:

  • choose one or more insurance companies you trust;
  • request a consultation and calculate the cost of Casco for your vehicle;
  • make a final decision and sign the contract.

The online Casco calculation helps to understand the approximate budget for insurance. Online Casco insurance does not take into account many nuances, and it can sometimes be difficult to choose the right program on your own. For example, you might want to reduce the rate without worsening the protection conditions. Or you might want to insure your car only against theft. The calculator will help you estimate how much such car insurance will cost. However, an insurance company expert will consider all your wishes and help you choose the optimal option.

Two important points: the content of the insurance contract and the reputation of the insurance company.

There are at least four clauses in the Casco contract that need to be carefully reviewed:

  • the sum insured for which your vehicle is protected. Ideally, it should be 100% of the real value of the vehicle — no more, no less;
  • risks — events in which damage to a vehicle is compensated, including theft and traffic accidents;
  • exceptions — situations where the driver will not receive compensation from the insurance company;
  • deductible — the portion of the damage that the insurance company will not compensate you for. It can be expressed as a percentage of the sum insured or as a monetary equivalent, for example, 100 euros. It is also possible to purchase a policy with no deductible.

All this information is included in the contract. If you need clarification, feel free to ask a representative of the insurance company. Be sure to ask what you need to do in the case of an insured event: what requirements you need to meet and what documentation you need to provide for the company to compensate for your damages. Ask for examples of other clients' practices so you can feel confident in making the right choice.

The cost does not depend on the number of drivers. Any person who is legally permitted to do so can drive the vehicle.

Direct damage settlement is a system in which your insurance company, which has insured your civil liability, compensates for damage related to the damage or destruction of your car, even if the at-fault driver is insured by another company. Currently, there are only 11 insurance companies in Ukraine that participate in the direct settlement system.

  • Direct settlement of the event with a company you trust.
  • Low insurance premium.
  • No vehicle value assessment.
  • Payment is made without applying proportion.
  • The number of drivers legally allowed to operate the vehicle is unlimited.
  • Possibility to conclude the contract without visiting the office – online.
"Protection from Others' Mistakes" covers only the risks of accidents involving two or more vehicles and covers the repair costs for your car within the chosen limit if your driver is not at fault for the accident.

Casco is a more comprehensive insurance that covers a wide range of risks, including damage to your car regardless of who is at fault for the accident, as well as risks such as theft, fire, natural disasters, and other unforeseen situations. Payouts under such a policy are based on the market value of the car.

Do you have any questions?
Do you have any questions?