How to choose car insurance during a war in 2026: MOTOR TPL INSURANCE, Basiс KASKO or KASKO

Car insurance in 2026 has become an essential part of drivers’ financial security. Learn the differences between MOTOR TPL INSURANCE, Basic KASKO, and KASKO, what insurance policies cover during wartime, and how to receive compensation in case of vehicle damage

Get a Mini Hull insurance policy at Visit Ukraine - guaranteed car protection in just 5 minutes!

BUY

The war has changed safety rules for Ukrainian drivers. Today, a vehicle can be damaged not only in a road accident, but also by missile strikes, drones, debris, or the consequences of air defense operations. That is why in 2026, car insurance has become much more than simply purchasing mandatory MOTOR TPL INSURANCE.

Many drivers only learn about insurance coverage limitations after an insured event occurs. For example, a standard MOTOR TPL INSURANCE policy does not cover damage to your vehicle caused by war-related risks, while basic KASKO may not include certain war-related incidents.

Let’s take a closer look at which types of car insurance are relevant in 2026, what they cover, and how to choose a policy that will truly work in a critical situation.

MOTOR TPL INSURANCE in 2026: Basic Protection for Every Driver

MOTOR TPL INSURANCE is mandatory third-party liability insurance for vehicle owners. The policy protects drivers from significant financial losses in case of a road accident if they are found responsible for the accident.

The main purpose of MOTOR TPL INSURANCE is to compensate losses suffered by third parties.

What does MOTOR TPL INSURANCE cover?

1. Damage to another vehicle;

2. Damage to third-party property;

3. Compensation for medical expenses of injured persons.

What does MOTOR TPL INSURANCE not cover?

- Repairs to your own vehicle;

- Personal injuries of the driver;

- Vehicle theft;

- Theft of property from the car interior;

- Damage caused by natural disasters or war-related events.

This means that if your vehicle is damaged by missile or drone debris, MOTOR TPL INSURANCE does not provide compensation.

At the same time, driving without MOTOR TPL INSURANCE in Ukraine is prohibited. The fine for not having a policy is UAH 425, and if unpaid within 15 days, it increases to UAH 850.

Read this article to learn when an insurance company may refuse payment under MOTOR TPL INSURANCE.

How much does MOTOR TPL INSURANCE cost in 2026?

The cost of MOTOR TPL INSURANCE depends on engine capacity, place of vehicle registration, vehicle type, available benefits, and the insurance company chosen.

On average, the minimum cost of MOTOR TPL INSURANCE in 2026 for a car with an engine capacity of 1601–2000 cm³ in large cities, including Kyiv, starts at UAH 5,500–5,700 per year. The final price depends on the insurer and policy terms.

Some drivers in Ukraine are eligible for a 50% discount on MOTOR TPL INSURANCE. This benefit is available to pensioners, persons with disabilities in categories I and II, combat veterans, and war participants.

However, it is important to understand that this benefit does not mean full exemption from insurance. Learn more about current exemptions and discounts for MOTOR TPL INSURANCE in this article.

Purchase MOTOR TPL INSURANCE online with Visit Ukraine – quickly, without queues, and without unnecessary paperwork.

Compare offers from insurance companies, choose the best option, and receive your electronic policy in just a few minutes.

Does a standard KASKO policy cover missile-related damage?

In most cases, a standard KASKO policy does not cover war-related risks – these are usually listed among the standard exclusions in the insurance contract. However, after the start of the full-scale war, insurance companies began offering special programs or additional KASKO options that include protection against war-related consequences.

This type of insurance provides broader protection for your vehicle in situations where standard insurance does not apply.

What can KASKO with war-risk coverage include?

Depending on the insurer’s terms, the policy may provide compensation in cases of:

- Direct missile or drone impact;

- Vehicle damage caused by debris;

- Damage caused by falling UAV wreckage;

- Damage caused by blast waves;

- Damage caused by air defense operations;

- Total destruction of the vehicle.

What is usually not covered?

Before purchasing a policy, it is important to carefully review the list of exclusions.

Most often, insurers do not cover war-related risks without additional coverage, confiscation or forced seizure of the vehicle, damage in active combat zones, or certain categories of vehicles based on age or technical condition.

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

Basic KASKO: Optimal Protection During Wartime

While MOTOR TPL INSURANCE protects only other road users, additional insurance should be considered to protect your own vehicle. One of the most popular solutions in 2026 has become Basic KASKO.

Basic KASKO is voluntary car insurance that provides basic yet effective protection at a significantly more affordable price than full KASKO. This option is suitable for drivers who want to protect their vehicle but are not ready to overpay for a full insurance package. Basic KASKO has become especially relevant during wartime due to the inclusion of war-risk coverage.

What does Basic KASKO cover?

Three insurance packages are available on Visit Ukraine.

- Economy – provides compensation for damages in case of an accident involving another vehicle.

- Basic – includes coverage for accidents involving another vehicle and compensation in case of total vehicle destruction due to natural disasters.

- Maximum + War Risks – the most comprehensive package, including: coverage included in Economy and Basic packages, protection against passive war risks, tow truck service.

Important! Passive war risks include damage caused by debris, blast waves, and damage resulting from air defense operations.

Who is Basic KASKO suitable for?

Basic KASKO can be purchased by:

- Citizens of Ukraine;

- Foreign nationals staying in or planning a trip to Ukraine with their own vehicle.

Insurance is available for vehicles with both Ukrainian and foreign registration. The policy can be issued for a period from 1 month to 1 year. This is an optimal solution for drivers looking for a balance between price and real protection.

Protect your vehicle from road accidents, natural disasters, and war-related risks with Basic KASKO from Visit Ukraine. Choose the package that suits you best and purchase insurance online in just a few minutes.

How to avoid problems with an insurance company?

Lawyers advise paying attention not only to the policy price, but also carefully checking the following conditions:

- List of insurance exclusions;

- Deadlines for reporting an insured event;

- Damage assessment procedures;

- Grounds for refusal of payment;

- Territorial limitations of the policy.

Special attention should be paid to war-risk conditions. If they are listed in the contract as exclusions or force majeure without separate coverage, the insurer may legally refuse payment.

Which insurance policy should you choose in Ukraine during wartime?

Choosing car insurance in Ukraine in 2026 depends on the value of the vehicle, region of residence, and risk factors.

- MOTOR TPL INSURANCE – the most affordable option, but covers liability only toward others.

- Basic KASKO – the golden middle between cost and protection.

- Full KASKO – maximum protection, but also the most expensive option.

If the vehicle is new or expensive, full KASKO is worth considering. If you need basic protection at a reasonable price, Basic KASKO is often the best solution.

On the Visit Ukraine portal, you can compare insurance offers from different companies and choose the optimal coverage for your vehicle.

Read here in detail about the criteria for choosing the right car insurance policy.

What should you do if your vehicle is already damaged?

It is impossible to purchase insurance retroactively. If damage has already occurred:

- Take photos and videos;

- Call the police or the State Emergency Service;

- Document the damage officially;

- Contact the insurance company within the deadlines specified in the contract.

The speed of your response directly affects your chances of receiving compensation.

In 2026, car insurance in Ukraine is no longer just a mandatory formality, but a real tool of financial protection. MOTOR TPL INSURANCE remains a basic necessity for every driver. However, to protect your own vehicle from road accidents, natural disasters, and war-related risks, it is worth additionally considering Basic KASKO or full KASKO.

The key rule is to choose an insurance policy not only based on price, but also based on actual coverage and payment conditions.

Reminder! Before traveling abroad with your own vehicle, you need to collect all necessary documents and ensure you have international insurance coverage. Read here which documents you need for safe travel abroad and what coverage is provided under the Green Card insurance.

Photo: Magnific

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 – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

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.

© 2018-2026, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.