In 2025, changes are expected to enhance the protection of all road users. Although the cost of MTPL insurance will increase slightly, vehicle owners will receive much better insurance coverage and more convenient service. Find out more about how the insurance terms will change in 2024, how much the policy will rise in price and how to buy CTP insurance at the old price

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Motor insurance remains one of the most important aspects of road safety in Ukraine. Every year, the requirements for insurance coverage become more stringent and insurance products more sophisticated. The changes in motor insurance that will affect every vehicle owner in 2025 are described in the article below.

What is motor third party liability insurance and why is it needed?

Compulsory motor third-party liability insurance (MTPL), or as it is more commonly referred to as ‘motor third-party liability insurance’, is a basic insurance policy without which it is impossible to drive a car legally in Ukraine.

In 2025, the CMTPL system will undergo significant changes aimed at improving the quality of insurance coverage and bringing Ukrainian standards closer to European ones.

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The new law on motor third party liability: what changes are in store for Ukrainian drivers?

The most significant change will be an increase in the liability limits of insurance companies. Now, in the event of property damage, the maximum amount of compensation will be UAH 250,000, and up to UAH 500,000 will be provided for the rehabilitation of victims of road accidents. These amounts are higher than the previous figures and better reflect the actual costs of repairing modern cars and medical treatment.

Another important innovation will be the complete cancellation of deductibles in insurance contracts. This means that insureds will no longer have to pay a portion of the loss out of their own pockets. Insurance companies will assume full responsibility for compensation.

Also, from now on, the direct claims system will become mandatory for all insurance companies. This will allow drivers to apply for compensation directly to their insurance company, rather than to the insurer of the culprit of the accident. This approach will significantly speed up the process of receiving compensation.

Another innovation will be the calculation of compensation without taking into account the wear and tear of parts. This means that the damaged car will be restored to the condition it was in before the accident. Insurance companies will cooperate with authorised service stations, which guarantees high-quality repairs and frees car owners from the need to look for reliable service on their own.

What impact will the new law have on the cost of motor third party liability insurance?

Given the expansion of insurance coverage and increased liability of insurers, a moderate increase in the cost of MTPL policies is expected. However, this will be offset by a significantly higher quality of insurance coverage and convenience of service.

The updated prices for motor third party liability insurance are not yet known, but experts predict that in 2025 the cost of the policy will increase by about 50%.

Taking into account the experts' opinion, the approximate calculation of the updated prices for the annual period is as follows:

- Cars with engine capacity up to 1600 cm³ (inclusive): in 2024 - UAH 3,345 (0 deductible). The estimated price in 2025 is up to UAH 6,700.

- Electric vehicles: in 2024 - UAH 3,298 (0 deductible). The estimated price in 2025 is UAH 6,400.

- Motorcycles and motor scooters with an engine capacity of up to 300 cm³ (inclusive): in 2024 - UAH 1,137 (0 deductible). The estimated price in 2025 is up to UAH 2,280.

- Trucks with a payload of up to 2 tonnes (inclusive): in 2024 - UAH 6,691 (0 deductible). The estimated price in 2025 is up to UAH 13,380.

- Buses with up to 20 seats (inclusive): in 2024 - UAH 8,530 (0 deductible). The estimated price in 2025 is up to UAH 17,000.

Important! Prices are for vehicles registered in Kyiv. The updated prices are based on expert forecasts and are therefore not official. The exact prices will be announced in early 2025.

How can I buy CTPCI at the old price?

We recommend that you insure your car before the new year to take advantage of the current, lower prices. This will allow you to maintain the best conditions and avoid additional costs.

On the Visit Ukraine portal, you can quickly buy a car insurance policy from a licensed insurer that guarantees reliable protection in the event of an accident.

If you take out insurance before the New Year, you will receive the policy at the old price.

Just a reminder. Starting from 2025, Ukraine will change the rules for compensation for car damage caused by an accident. This applies to the owners of MTPL insurance. Read here to find out what changes Ukrainian drivers can expect in the new year.

Photo: Freepik

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