Key changes in car insurance will come into force next month. Find out more about the new rules for motor third party liability insurance and international insurance Green Card

Issuing a policy Green card for traveling abroad by car

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On January 1, 2025 , a new law “On Compulsory Insurance of Civil Liability of Owners of Motor Vehicles” will come into force in Ukraine. This reform will fundamentally change the rules of car insurance, which will directly affect millions of motorists.

Let's take a look at the innovations that will apply to everyone who will take out a motor third party liability policy after this date.

Increase in the cost of MTPL policy and new conditions in 2025

The main innovations that await drivers are:

1. Strengthening the protection of victims of road accidents

One of the key changes is a gradual increase in the maximum sum insured to compensate victims of road accidents. This will bring Ukrainian standards in line with the European ones, which will significantly increase the level of protection for road accident victims. Drivers can be sure that in the event of an accident, they will receive adequate compensation.

2. Mandatory direct settlement of losses

Another important change is the introduction of a mandatory model of direct settlement of losses. The victim of an accident will be able to apply for compensation to his or her insurance company, not to the insurer of the culprit of the accident.

3. A new approach to calculating insurance payments

The innovations also concern the process of calculating payments. For cars that are less than 5 years old, the cost of repairs will be calculated without taking into account the wear and tear of parts. This means that new spare parts authorized by the manufacturer will be used for repairs. For older cars (over 6 years old), similar spare parts will be taken into account.

In addition, the insurer is obliged to offer the victim three options for service stations located no further than 150 km from the victim's place of residence.

4. Abolition of the deductible

The new legislation cancels the application of deductibles in CMTPL contracts. Drivers will no longer be obliged to pay for part of the losses themselves. This change makes insurance more transparent and accessible to customers, which will increase confidence in the system.

5. Benefits for certain categories of citizens

The new law retains the 50% discounts on motor third party liability insurance for certain categories of citizens, such as combatants, injured participants of the Revolution of Dignity, people affected by the Chernobyl disaster, pensioners and people with group I disabilities.

Please note! Reductions in the cost of the insurance policy for such categories of citizens are applied exclusively to cars that are not used for the purpose of providing paid passenger or cargo transportation services and have an engine capacity of up to 2500 cm3 or a power of up to 100 kilowatts (for electric vehicles).

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6. Cancellation of the limit under the European Protocol

The Law cancels the limit of insurance indemnity under the European Protocol. However, the National Bank of Ukraine reserves the right to set such a limit in the future. For the time being, this gives drivers more freedom to use this mechanism in case of minor accidents.

The new law on motor third party liability insurance is aimed at improving insurance conditions for all road users. It increases the level of protection for victims, makes the insurance process more transparent and fair, and takes into account the individual characteristics of each driver.

At the same time, the new conditions will contribute to the development of the motor insurance market in Ukraine and increase the level of trust in it.

To learn how to choose the right insurance company to take out a motor third party liability insurance policy, follow the link.

Increase in the cost of motor insurance from 2025: details

Important! Starting from January 1, 2025, insurers will have more freedom in setting policy prices. The main innovation is to take into account the driver's individual history when calculating the price. This means that drivers who have previously been involved in road accidents will pay higher insurance premiums.

It is important to emphasize that the price increase is accompanied by a significant increase in the amount of insurance compensation. In particular, the maximum payments will increase:

- for damage to life and health - from UAH 320,000 to UAH 500,000;

- for damage to property - from UAH 160,000 to UAH 250,000.

For privileged categories of citizens, it is still possible to take out a policy at half the cost, which makes insurance more affordable.

How to insure a car 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 keep 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 a policy at the old price.

Green Card insurance policy: what changes in insurance conditions are expected in 2025

• Price liberalization - insurance companies will set their own tariffs, creating a competitive environment.

• New policy rules - the Green Card will be activated from 00:00 the next day after registration in the database, so you need to take out a policy in advance.

• Electronic certificates - transition to a digital format of documents that can be presented on a mobile device.

How to buy a Green Card quickly and easily?

On the Visit Ukraine portal, you can apply for a Green Card online from a licensed insurer. Packages are available for different periods from 15 days to 1 year for cars and trucks, trailers and semi-trailers for trucks, as well as motorcycles and scooters.

Also, purchasing a Green Card on the Visit Ukraine portal ensures the speed and convenience of the process. You can easily fill out the necessary forms online, without unnecessary paperwork and trips to offices.

In addition, we offer competitive prices and transparent conditions. You can be sure that you pay a fair amount for quality service and protection of your trip.

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

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

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