Even during the war, insurance remains mandatory for all vehicles travelling on Ukrainian roads. Find out more about how to insure your car during martial law and whether you can get compensation for a damaged car during the war

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Every driver in Ukraine is obliged to know all the nuances of insuring their own vehicle.

How to insure your car in Ukraine in 2024 and whether you need car insurance during the war is described below.

Compulsory car insurance during wartime

Motor third party liability insurance (MTPL) is a Ukrainian insurance policy that compensates victims of road accidents. According to Ukrainian law, every driver of a vehicle must take out compulsory car insurance.

CTPCI provides for only one type of compensation: the culprit's insurance company reimburses the injured party, but do not forget that the amount of compensation in the event of an accident is limited.

To learn how the CTPCI policy works in the event of a road traffic accident and what to do if the culprit fled the scene of the accident, please follow the links.

Do I need car insurance during the war?

Yes, according to the law of Ukraine, MTPL insurance remains mandatory for all vehicles even during the war.

If a driver does not have a policy, he or she will be obliged to pay a fine of UAH 425. If the payment is not made within 15 days, the amount doubles, and the driver will have to pay 850 hryvnias.

Driving without motor third party liability insurance is not worth it not only because of the fines, but also because in the event of an accident without a policy, the offending driver will have to cover the victims' losses at his own expense.

However, in Ukraine, there are categories of citizens who are exempt from the mandatory car insurance requirement.

We will tell youwho does not need motor third-party liability insurance in Ukraine by following the link.

How to save money on CTP insurance in 2024?

The cost of a policy differs depending on the following factors:

● type of vehicle. For example, the price of motorcycle insurance will be lower than the price of a car policy;

● engine size. The larger the engine size, the more expensive the insurance;

● place of registration of the vehicle. Different regions of Ukraine have different policy prices;

● benefits of the vehicle owner. For example, war veterans, disabled persons of group ll, liquidators of the Chernobyl accident of groups l and ll, as well as pensioners can take out MTPL insurance with a 50% discount;

● the amount of the deductible.

If you are a confident driver, you can save money on compulsory motor third party liability insurance by choosing the highest deductible. As a reminder, a deductible is a portion of the losses that you assume if an insured event occurs. Its amount is determined by you and the insurance company before signing the contract.

In order to choose a policy at the best price, we recommend that you review several offers and compare the terms and conditions offered by insurers.

Visit Ukraine portal offers convenient conditions for taking out car insurance. You can quickly and easily buy a CTP policy online at a favourable rate. Packages with a deductible of UAH 3200, UAH 1600 and UAH 0 are available.

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Compensation for a damaged car during the war

To reliably protect your car from military risks, we recommend that you consider the option of additional insurance Mini CASCO.

Mini CASCO is a voluntary policy that remains quite popular among Ukrainian car owners. The main difference between the policy and the well-known motor third party liability insurance is that with Mini CASCO, the driver can rely on his insurance not only if he is the victim, but also if he is found guilty of an accident.

In addition to damage as a result of an accident, depending on the chosen package, Mini CASCO covers tow truck services, complete destruction of the vehicle as a result of a natural disaster and passive war risks.

This means that if the car is damaged due to war risks, the owner can receive compensation.

To find outwhether Mini CASCO covers damage to a car caused by missile and drone fragments and under what conditions you can receive compensation for a damaged car during the war, please follow the link.

On the Visit Ukraine portal, you can purchase a Mini CASCO policy from a reliable insurer for guaranteed protection on the country's roads online. Three package options are available for periods ranging from one month to one year for cars, motorcycles, scooters, trucks, as well as trailers and semi-trailers.

Important! The Mini CASCO policy is available not only for Ukrainians, but also for foreigners who are planning a trip to Ukraine and want to take care of additional protection on the roads.

Just a reminder! Car maintenance in Ukraine has its own price, features and nuances. At the same time, understanding the real monthly car expenses is a key aspect of budget planning. Find out how much car maintenance costs in Ukraine in 2024 here.

Photo: Freepik

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