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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):
- 500,000 UAH — for damage caused to the life and health of the victim, without limiting the number of victims.
- 250,000 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.
The standard term of motor third party liability insurance in Ukraine is 1 year, but it is possible to conclude a contract for a period of less than 6 months. For example, a car that is not registered in Ukraine can be insured for the period until it is registered.
A foreign car registered in another country can also be insured for a shorter period - for the duration of its stay in Ukraine. It is worth noting that the contract comes into force from the date specified in the policy and is not automatically renewed.
If you damage a third party's vehicle in a traffic accident and the amount of compensation exceeds UAH 250,000 (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
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.
You can purchase it even if mandatory auto liability insurance was purchased from another company.
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.
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.
- Protects against currency fluctuations
- Covers war risks
- Covers the cost of car repair or complete destruction
- 0% deductible if the driver of another car is to blame for the accident
- Valid on the territory of Ukraine, European countries, Georgia and Turkey
- Without reference to the place of storage
- Technical Assistance as a gift
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.
Casco provides insurance for a car against damage, theft, fire, natural disasters, and other unforeseen situations. It covers damages to your car regardless of the occurrence of an accident or other incidents.
MTPL covers damages caused to third parties in the event of a road accident caused by you. It does not cover damage to your own car or other expenses related to its repair.
Casco is suitable for those who want to maximally protect their car from various risks.
MTPL is mandatory for all drivers and provides protection to third parties in the event of an accident caused by you.
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.
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.
The cost does not depend on the number of drivers. Any person who is legally permitted to do so can drive the vehicle.
On the whole territory of Ukraine, except for the temporarily occupied territories, 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.
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.
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.
A feature of the mini CASCO policy is the payment of a fixed amount, the amount of which is chosen by the car owner when concluding the contract. The following conditions must be met in order to receive compensation:
- The accident must be officially documented - using the European protocol or by representatives of the National Police patrol service;
- It must be established which driver is to blame for the accident. Depending on this, the amount of the deductible will change.
After submitting an application for an insured event, the company decides on the amount of the deductible and the payment of compensation in the amount of the sum insured.
The main feature of this insurance program is its simplicity and transparency. You can apply for My CASCO drive online and adjust the terms of the contract according to your wishes.
Among other advantages:
- no need to inspect and evaluate the car before concluding the contract;
- the ability to expand insurance coverage and add protection against theft and total destruction of the car.
Understanding what mini CASCO is, you can make the right choice and protect your car from the main risks.
The car insurance program is most suitable for the following categories of drivers
- those who have recently bought a vehicle and are not quite confident in real situations on the roads;
- motorists who believe that the list of insured events under the standard Casco is too wide and the price is too high;
- car owners who do not rely on payments under a motor vehicle liability insurance policy and want to protect themselves as much as possible from expenses that may arise after an accident.
Mini Casco allows you to feel confident on the road and save money when buying insurance.
Many drivers are looking for an affordable hull insurance for their car. This program is exactly that. On the one hand, the policy compares favorably in price and is cheaper than a standard voluntary car insurance contract. On the other hand, it provides incomplete coverage and is a guarantee of receiving payments if your car has an accident on the road.
The program differs from full Casco in that it covers a limited number of risks. Also, under the terms of mini Casco, the policyholder receives a fixed payment. The difference from the CTP policy is that it gives you the opportunity to receive payments for the restoration of your own car.
The program was developed by the specialists of our insurance company to support all car drivers in Kyiv and other regions of Ukraine. This option of mini Casco allows you to receive compensation if your car has suffered from an accident.
Road accidents are the most popular cause of car damage. With our insurance policy, a motorist will be able to cover losses if:
- he/she made a mistake on the road and is the culprit of the accident;
- the accident occurred through no fault of his own.
In each of these cases, the driver can count on the payment of the sum insured stipulated in the terms of the contract.
Comprehensive insurance is a voluntary type of insurance designed to protect your vehicle from unforeseen circumstances. Unlike liability insurance, which is mandatory and covers damage caused to other road users, comprehensive insurance is designed to compensate the car owner for losses. This means that if your car is damaged by a falling tree, a billboard, or due to the careless actions of others, the insurance company will cover the repair costs.
It is important to remember that comprehensive insurance does not replace auto liability insurance and is not a supplement to it. It is a separate contract that is concluded at the owner’s discretion. Together, these two types of insurance provide comprehensive protection: auto liability insurance protects others, while comprehensive insurance protects you.
Comprehensive insurance covers a wide range of risks, so car owners can feel much more at ease behind the wheel. The insurance policy applies in cases of traffic accidents (even if you are at fault), vehicle theft, fire, explosion, lightning strikes, falling objects, damage caused by natural disasters, or unlawful acts by third parties. This means that in the event of unforeseen circumstances, the insurance company covers all costs associated with repairing the vehicle within the scope of the policy.
At the same time, each policy includes certain limitations. For example, insurance compensation is not paid if you were driving under the influence of alcohol or drugs or grossly violated traffic rules.
The price of a comprehensive insurance policy depends on several key factors:
- the insured amount, which should correspond to the vehicle’s actual market value;
- the range of risks covered by the insurance policy. The broader the list of situations in which the company assumes financial liability (e.g., theft, traffic accidents, natural disasters), the higher the policy price will be;
- exclusions, i.e., circumstances under which compensation is not paid. Their presence or number can also affect the premium;
- the deductible, i.e., the portion of the loss that the owner covers themselves. It can be a fixed amount or a percentage of the insured amount.
Accordingly, the cost of comprehensive insurance is always individual, so before signing, it is worth carefully reviewing all the terms of the contract and, if necessary, asking for clarification from an insurance company expert.
Some drivers mistakenly believe that comprehensive auto insurance is valid only within Ukraine, but in reality, its coverage is much broader. The policy is valid throughout the entire country, with the exception of temporarily occupied regions, and this does not depend on the city where you purchased it.
In addition, the insurance coverage is valid abroad, specifically in most European countries, as well as in Turkey and Georgia. This is very convenient for those who frequently travel in their own car or go on business trips.
It is important to note that the specific list of countries is specified in the contract, so we recommend carefully reviewing these terms before your trip.
If an insured event occurs, it is important to act quickly and correctly. First and foremost, do not leave the scene of the incident and notify UNIQA within three hours. Follow all instructions from the specialist you are in contact with. If there are other parties involved in the incident, ensure it is properly documented: call the police or fill out a European accident report (provided there are no injuries, the drivers have valid insurance policies, there is agreement on liability, and there are no signs of intoxication).
You can submit the documents for reimbursement in a convenient way: via a chatbot on Viber or Telegram, or directly at the service center recommended by the company. Do not begin repair work until you receive written permission from an authorized company representative.
To file an insurance claim, you must submit the following documents:
- a claim form;
- an accident report or police documents (accident diagram, reports, statements from those involved);
- copies of the driver’s license, vehicle registration certificate, the owner’s passport or ID card, and TIN;
- photos of the vehicle from all sides and of the damage.
If the payment is not made to the owner, documents confirming their right to receive compensation are required. If available, include photos or videos from the scene of the accident and a repair shop invoice.
UNIQA Insurance will decide whether to approve or deny the claim within 5 business days of receiving the complete set of documents. The compensation itself will also be transferred within 5 business days to the specified account details.
The number of drivers and their driving experience are not limited by the terms of the comprehensive insurance policy; in other words, the insurance coverage will apply regardless of who was behind the wheel at the time of the accident. This could be the vehicle owner, a family member, or another person to whom the vehicle was entrusted. The main requirement is that the driver holds a valid license and complies with traffic laws.
At the same time, there are standard exceptions. The insurance policy does not cover cases where the person behind the wheel did not have a license, was under the influence of alcohol or drugs, or where the accident occurred as a result of intentional actions.
Comprehensive insurance is one of the most comprehensive types of coverage for a vehicle, but the policy always clearly specifies a list of exclusions where no compensation is provided. First and foremost, this applies to situations where the driver was operating the vehicle without a license or while under the influence of alcohol or drugs. Other exceptions include:
- operation in gross violation of the manufacturer’s technical requirements;
- damage due to a manufacturing defect or natural wear and tear of parts;
- damage due to careless handling of fire, use of low-quality fuel, an incompatible charger for an electric vehicle, or the transport of hazardous substances or animals in
- the passenger compartment.
Under the terms of partial comprehensive insurance, losses related to military actions are not covered.
After an insured event occurs, vehicle repairs are typically carried out at partner service centers that work with UNIQA Insurance. This allows us to monitor the quality of the work and approve invoices for payment more quickly. You will be provided with a list of service centers where you can have your car repaired.
We also offer the option to choose a service station yourself. In that case, the insurance company can either pay the service station directly or reimburse the owner after receiving the invoices. Therefore, it is advisable to discuss this matter with the company’s experts before starting the repairs.
In most cases, once repairs are complete, the vehicle must be inspected by a representative of the UNIQA insurance company. This is necessary to verify the quality of the work performed and to confirm that the damage has been properly repaired. The inspection can be conducted directly at the repair shop or at a designated location.
The procedure takes little time but is an important step in closing the insurance claim. Therefore, it is worth setting aside some time for it and calmly completing all the formalities to avoid future disputes between both parties.
UNIQA Insurance offers the option to purchase select comprehensive insurance policies online. Typically, the process begins by calculating the cost of the insurance using an online calculator. Next, you select the terms of the policy and fill out a form with the car owner’s information. You will need to provide:
- passport number or ID card number;
- tax ID number;
- vehicle registration number;
- chassis number;
- driver’s contact information.
After payment, the policy is sent to the specified email address and appears in the myUNIQA mobile app.
The comprehensive CASCO policy is issued after the application is submitted and the vehicle is inspected by a UNIQA expert.
You can only purchase comprehensive insurance for a vehicle that has official documents and is registered in accordance with current legislation. If the vehicle was imported from abroad and has not yet been registered in Ukraine, it will not be possible to enter into a full comprehensive insurance policy.
The same applies to cars with U.S. license plates. Therefore, to fully insure a car under comprehensive insurance programs, it is best to ensure official registration immediately after importing it into Ukraine.
Yes, UNIQA offers flexible payment terms for comprehensive auto insurance. You can pay the full amount at once in a single payment or split it into two installments over the course of the year. Insurance coverage takes full effect from the first day of the policy, even if only the first installment has been paid.
Keep in mind that you must strictly adhere to the payment schedule. If you miss a payment, the insurance company may suspend the policy or refuse to pay out. Therefore, before opting for an installment plan, make sure that meeting the payment deadlines won’t be a problem.
A deductible is the portion of the loss that the car owner covers out of pocket. It can be set as a fixed amount (for example, 2,000 or 5,000 UAH) or as a percentage of the insured amount (for example, 0.5%, 1%, or 2%).
For example, if the deductible is 2% and the insured amount is 500,000 UAH, then in the event of a claim, the owner pays 10,000 UAH out of pocket, and the insurance company covers the remainder. The higher the deductible, the lower the cost of the policy itself, since the owner assumes part of the risk.
If, however, you want any losses to be covered without your participation, you can take out a policy without a deductible; however, the price will be higher.
Choosing comprehensive auto insurance is a personal decision. Insurance terms and costs can vary significantly. UNIQA Insurance offers several plans with different sets of options. To choose the best option, we recommend following these steps:
- review the terms of each plan available on the website;
- calculate the cost of the comprehensive insurance policy online or request a price quote from the company’s experts;
- carefully compare the program options and choose the one that best meets your expectations.
An insurance policy selected in this way will truly provide coverage in the event of unforeseen situations.
If you received such a notification, it means that a new MTPL policy has been issued for your vehicle, which resulted in the automatic termination of the previous policy for this vehicle in accordance with Part 10, Article 11 of the Law of Ukraine “On MTPL”.
If you would like to find out whether a refund of part of the unused insurance premium is available and what steps are required:
1. Complete the Refund Application by downloading it via the provided link.
2. Send the completed application together with a scanned copy of the vehicle registration certificate to boc@uniqa.ua.
Yes, motor third party liability insurance is mandatory even for those who have a motor hull insurance contract. Motor TPL and motor hull insurance are different types of insurance contracts. The purpose of motor third party liability insurance is to protect other road users from erroneous actions of the driver of the insured car, as well as the policyholder from large financial losses to compensate third parties. The absence of a motor third party liability insurance policy (MTPL) will result in a fine.
A CASCO insurance policy is a voluntary type of car insurance that allows you to receive compensation for the repair of your own car and not worry about communicating with the service station. In this case, the insurance company helps you choose a service station, the date of the repair, and pay the bills.
You can check the validity of your motor third party liability insurance through the official website of the Motor (Transport) Insurance Bureau of Ukraine using the contract number or the car's licence plate number. By accessing the portal, you will find out the status of your insurance as of the current date.
The MTIBU's specialised database can be used by representatives of the patrol service and other road users if they need to check insurance information. Additionally, information on the availability of a valid MTPL insurance contract is displayed in the official Diia app.
If the policy is not displayed in the Diia app, the reason may be that the contract has not yet entered into force (we remind you that the contract comes into force on the date specified in the document) or has already expired. Another reason may be the use of previous versions of the application. To avoid this, you should update the app.
To add a contract to Diia, check its validity on the website of the Motor (Transport) Insurance Bureau of Ukraine and try to update the data in the app. If the policy is still not displayed, contact the technical support service to re-submit the information to the system.
Electronic and paper versions of CTPCI are absolutely equivalent. Once the contract is executed in any form, the insurance information is entered into a specialised database of the Motor (Transport) Insurance Bureau of Ukraine.
You can check the validity of the contract at https://policy.mtsbu.ua/ using its number or the car number. The police and other services recognise an electronic policy without the need to print it on paper.
To draw up an insurance contract on our website, you need to enter the identification code, passport and contact details of the driver. You also need to provide information about the car: registration number, make, model, year of manufacture, body number.
To do this, you can use the data search service by state number plate: enter the car's state number plate, and the rest of the data will be automatically filled in. If a motorist is eligible for a discount, he or she needs to apply to the company's specialists. They will help you sign a contract on favourable terms.
The categories of citizens specified in the current law on compulsory motor insurance are entitled to take out an insurance contract with a 50% discount. These are people with disabilities, combatants, Chernobyl victims, and pensioners.
The right to preferential terms for purchasing insurance can be applied if a person owns a car with an engine capacity of up to 2500 cc or an electric motor power of up to 100 kW and uses the vehicle independently. Another condition is that the car cannot be used for commercial purposes.
Starting in 2025, following the adoption of a new law on compulsory motor insurance, all road users must have a valid motor vehicle insurance policy. However, the rules on the right to compensation for combatants and persons with war-related disabilities have come into force.
That is, if such persons have already purchased motor third party liability insurance, they may apply for compensation for expenses incurred when concluding a motor third party liability insurance contract during the martial law period and one year after its expiry. A refund mechanism has also been developed for those beneficiary policyholders who have taken out a contract since January 2025.
Motor third party liability covers the costs of third parties who suffer as a result of the driver's mistakes. In other words, in the event of an accident caused by the driver of the car specified in the contract, the insurer will reimburse the victims' material losses and medical expenses.
According to the law, the company is obliged to restore the damaged car to the condition it was in before the accident. The compensation for treatment is calculated on the basis of the documents provided by the victims confirming their expenses. The amount of payments is limited to the limits in force at the time of the insured event.
The price of compulsory motor insurance for drivers can vary. The cost of the contract depends on several important factors: the place of registration of the car owner, the type of vehicle and engine size. Also, in our company, we take into account the driver's age and driving history, because, according to statistics, older drivers drive more carefully and have more experience.
Those motorists who have a large number of accidents will have to pay more. You can calculate the cost of CTPCI using our online calculator.
