Car insurance in Sumy - photo

Car insurance in Sumy

Covers the costs of compensating other road users in case of an accident.
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My MTPL
Compulsory third-party liability insurance with the option to increase the coverage amount.
Deductible
3200 UAH
2000 UAH
0 UAH
Payout for property damage.
up to 160 000 UAH
up to 410 000 UAH
up to 710 000 UAH
Payout for loss of life and health
up to 320 000 UAH
up to 370 000 UAH
From 1840 uah
My MTPL +
Voluntary auto liability insurance helps increase the compensation amount set by mandatory insurance.
Amount of the payout
150 000 UAH
300 000 UAH
600 000 UAH
1 000 000 UAH
1 200 000 UAH
1 500 000 UAH
From 250 uah
NEW
My protection against others' mistakes
Don't wait for a payout from another insurance company; get the money for car repairs from your own company.

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.

More details
Advantages of car insurance in UNIQA
24/7
we are with you
30 years
experience in Ukraine
91%
satisfied customers
82%
extend contracts
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My travel
Explore the world with confidence: buy travel insurance online quickly and conveniently.
Program
Standard
Maximum
Coverage amount
30 000 EUR
50 000 EUR
Type of travel
Travel
Active recreation
Extreme sports
From 246 uah
My Casco
Covers the cost of car repairs in case of an accident, theft, natural disaster, or total loss.
Coverage
Full CASCO
Theft or total loss
Deductible
2,00 %
1,00 %
0,50 %
0,00 %
Deductible for glass parts
2,00 %
1,00 %
0,50 %
0,00 %
Payment
Once a year
Twice a year
From 17815 uah
My protection
Choose advantageous online accident insurance to have financial protection in case of injuries.
Contract territоry
Ukraine
The whole world
Program
Standard
Extended
Insurance amount for an adult
50 000 UAH
100 000 UAH
150 000 UAH
200 000 UAH
300 000 UAH
400 000 UAH
Insurance amount for a child
50 000 UAH
100 000 UAH
150 000 UAH
From 265 uah
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.

 

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.

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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.