Insurance for 160,000, 250,000, or 500,000 UAH
Payout without a police report up to 80,000 UAH with the European Protocol
Option to pay in 2 installments
Vehicles used as collateral, taxis, and delivery service vehicles are not accepted.
Read more about MTPL
Why does a driver need MTPL?
MTPL, or motor third party liability insurance, is a mandatory type of insurance coverage. Since 2004, Ukraine has had a law stating that every car owner must have such an insurance contract.
At the same time, MTPL does not protect the driver and his car. It will be needed if its user becomes the culprit of an accident. Then the insurance company will compensate the victims instead of its client.
The lack of car insurance is not only a threat of a fine, but also a high risk. In Kyiv and the region, more than 150 accidents occur per day, and more than 400 accidents occur within the country. If the culprit does not have an insurance contract or simply has expired, you will have to spend your own money on compensation.
How to buy a MTPL policy?
Visit the office of the insurance company. About 40 insurers offer MTPL in Ukraine. Dnipro, Odesa, Kyiv - they have branches in all major cities,
calculate CTP online and pay for it on the insurer's website. Since February 2018, it can be issued digitally and received by e-mail,
order insurance from a bank or other intermediary - in electronic or paper form.
What is an electronic MTPL policy?
This is the same insurance, but only in digital form. It is as valid as the paper version. It is much more convenient to use - the contract is always in your smartphone. And its legitimacy can be easily checked on the website of the Motor Insurance Bureau.
Important: the information in the e-policy must be error-free. This is a prerequisite, so you should be very careful when filling it out online!
How much does a MTPL policy cost?
Until 2019, the cost of MTPL was approximately equal in different companies. Now the tariff may differ. An online MTPL calculator is available on many websites. It will help you calculate the exact price of insurance for your car from a particular company, taking into account additional conditions.
For example, the insurer may offer a contract without a deductible, with a larger amount of protection. UNIQA has a direct settlement program for MTPL.
What payment can I expect?
- For damage to life and health - up to UAH 320,000 per victim,
- for damage to property - UAH 160,000 per person involved in the accident whose car was damaged.
Important: the rules for calculating compensation are also defined in the law. Therefore, sometimes the amount of compensation may be less than the actual cost of car repairs.
To avoid situations when victims ask you to pay them the difference, you can purchase an extended motor third party liability insurance from UNIQA.