All motorists are well aware of the axiom that car insurance is mandatory and necessary. However, the insurance market is sometimes difficult to navigate even for experienced drivers, let alone beginners. Find out more about the difference between MTPL and Green Card

Take out a car insurance policy at Visit Ukraine and get fuel as a gift

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Insurance is a mandatory element of driving a car. But how do you know what type of car insurance you need? It all depends on the specific situation and type of trip. Let's take a closer look at when you need insurance and where you can buy each type.

What is a Green Card?

Green Card is an international policy of civil liability for drivers. The document is mandatory when traveling abroad for all vehicles registered in Ukraine. The Green Card has a number of advantages, including protecting drivers from unforeseen expenses during a trip, which is why it is primarily the car owner who is interested in insurance.

The principle of operation of the Green Card is similar to the CTP, only abroad. The policy does not insure the owner's property, but his or her liability. In other words, in the event of an accident, the Green Card insurance policy will cover the damage caused by the culprit to other participants in the accident - the cost of treatment or repair of the victim's car. 

The policy is valid on the territory of the member countries of the Green Card system, 46 participants in total: 

Albania, Austria, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Cyprus, Denmark (except for Athos), Estonia, Finland, Germany, Greece (except for Greenland and the Faroe Islands), Ireland, Israel, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, the Netherlands (except for Aruba, the Caribbean Netherlands, Curacao, St. Maarten), Germany (except Büsingen am Hochrein), Norway (except Spitsbergen and Bear Island), North Macedonia, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Turkey, Hungary, Finland, France (except Overseas Region), Croatia, Czech Republic, Montenegro, Switzerland, Sweden, Switzerland, Morocco, Tunisia, and Iran.

In the previous article, we wrote about how to check the validity of an insurance policy and its validity period through the MTIBU Centralized Database.

Liability in the absence of a Green Card 

The Green Card is a mandatory document without which it is impossible to pass border control. 

In 2022, at the beginning of the full-scale Russian invasion of Ukraine, Ukrainian drivers could cross the borders of Poland, Slovakia, Hungary and Moldova in their own cars without Green Card policies, but as of 2024, such conditions no longer apply.

If you are planning to travel without insurance, here are the risks that await you:

- fines for not having a policy from 1000 euros 

- deportation; 

- prohibition to enter the country; 

- seizure or arrest of the vehicle, etc.

Find out what limits apply in 2024 and what the Green Card covers.

Who is the Green Card issued for?

In fact, the Green Card is issued for a car. The documents indicate the data of the vehicle owner or any other insured. However, the policy applies to any driver who will be driving the car legally. 

Find out more about how often Ukrainian drivers get into traffic jams abroad and how much money they managed to save thanks to Green Card insurance.

To apply for a Green Card policy, you must provide: the applicant's passport and identification code, vehicle registration certificate and driver's license. The policy must be valid for the entire period of stay abroad, as an accident can occur at any time. 

You can apply for a Green Card quickly and easily on the Visit Ukraine portal. Follow the link and apply for an insurance policy for the required period in just a couple of minutes. The finished insurance will be sent to your email immediately.

We currently have a special offer for purchasing Green Card insurance:

1. Buy a Green Card policy and get a free 30-minute legal consultation from our professional lawyer;

2. You can take advantage of the promotion during the validity of the Green Card policy;

3. The consultation lasts 30 minutes. The consultation can be oral or written. 

How to buy a green card?

1. You can buy a green card on our website by yourself by following the link and filling in the necessary data.

2. Call our hotline at +380939724145 or write to us in a convenient messenger: Telegram or WhatsApp.

Our manager will be happy to help you with the issuance of a green card, which you will receive within 5 minutes by e-mail.

What is a MTPL ?

MTPL or motor third party liability insurance is a compulsory insurance for car owners in Ukraine that compensates for the losses that the victim will suffer in the event of an accident, namely damage to the life, health, and property of the accident participant. 

Article 21 of the Law "On Compulsory Insurance of Civil Liability of Owners of Land Vehicles" states that when using a vehicle in road traffic, the person driving the vehicle is obliged to have an MTPL insurance policy (motor third party liability insurance). In the absence of an MTPL policy, the driver will be fined.

MTPL insures the vehicle itself, so the liability of all drivers who have been driving legally will be insured. The policy is valid throughout Ukraine.

The following documents are required to take out an MTPL policy:

1. Driver's license or passport of the insured;

2. Technical passport of the vehicle;

3. Certificate of TIN of the insured;

4. For privileged categories - confirmation of the existence of a benefit.

The validity period of the MTPL policy is 1 year. The contract comes into force on the next day from the date specified in the document as the beginning of the contract.  

Do foreigners need to take out a CTP insurance policy?

Yes, an MTPL policy is a mandatory document for drivers in Ukraine. Foreign citizens can also purchase a CTPCI policy in Ukraine for vehicles with foreign registration. However, this is not mandatory if you have international Green Card insurance.

What does the policy cover?

Damage to property - the limit of liability is UAH 160,000 per victim. The insurance contract provides for reimbursement of the following expenses:

1. Damage or complete destruction of the vehicle;

2. Damage or destruction of roads, road structures, etc;

3. Damage or destruction of the victim's property;

4. Expenses for the work necessary to rescue victims of an accident;

5. Evacuation of the vehicle from the accident scene. 

Earlier, we wrote that the President of Ukraine signed a new law on compulsory motor insurance, which provides for a gradual increase in insurance amounts and establishes a fast guarantee payment to the injured parties.

Damage to the life and health of the victims - the limit of liability is UAH 320,000 (per victim). The insurance contract provides for reimbursement of expenses:

1. For the treatment of the victim;

2. In connection with temporary disability of the victim;

3. Insurance indemnity in case of permanent disability;

4. In the event of the victim's death. 

Where to issue an MTPL policy?

It is better to buy insurance online because it is quick and easy. On the Visit Ukraine portal, you can take out an MTPL policy from a licensed insurer. Packages with a franchise of 3,200 hryvnias, 1,600 hryvnias and 0 hryvnias are available. 

What are the advantages of registering an MTPL policy on the Visit Ukraine portal?

- Fair market rates that guarantee payments. 

- A single pricing policy with service station partners that guarantees the restoration of the victim's car.

- Possibility to conclude a contract with a franchise of 0.00 hryvnias.

- One of the best Contact Centers in Ukraine that provides information support.

- One of the best settlements in Ukraine, which guarantees the protection of the budget of the Insured/Guilty party in a road accident.

In addition, all car owners who take out an MTPL policy on the Visit Ukraine portal will receive a certificate for free fuel as a gift: 

➤ When buying in the first 3 days of the promotion – 20 liters of fuel (for purchases from June 21 to June 23)

➤ In the next 7 days – 10 l (for purchases from June 24 to June 30)

➤ From 11 to 24 days - 5 l (for purchases from July 1 to July 14)

The promotional offer is valid from 05/21/2024 to 07/14/2024. 

What is the difference between the Green Card and MTPL ?

So, we have already found out that both CTPCI and Green Card are compulsory third-party liability insurance for vehicle owners. The differences are that CTPCI is domestic insurance, while the Green Card is international.

In addition, the limits for motor third-party liability insurance comply with Ukrainian law, while the compensation under the Green Card complies with the laws of the country in which the accident occurred. 

The validity period of the CTPCI is one year, and the Green Card is valid for the period of stay abroad (from 15 days to one year).

It is important to remember that MTPL and Green Card do not replace each other!

We remind you! The General Assembly of the Motor Insurance System (MIS) has adopted an innovation that will allow the Green Card to be used electronically in any country. Read more about what will change for drivers and what advantages the electronic format has.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – safe travel in Ukraine (insurance covering military risks);

Visit Ukraine Legal advice – comprehensive legal support on entry to Ukraine;
Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

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