MTPL Insurance: who needs it, how it works and where to issue it

MTPL or motor third party liability insurance is a mandatory insurance policy for vehicle owners in Ukraine that compensates losses to victims of road accidents. From now on, you can apply for a motor citizen on our portal. Find out who needs an MTPL policy, how it works, and how to take out insurance on Visit Ukraine and get fuel as a gift

Apply for a car insurance policy at Visit Ukraine - guaranteed protection on the road in just 5 minutes!

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MTPL Insurance is an insurance policy for owners of vehicles in Ukraine. It is aimed at compensating the damages that the victim receives during the road accident. The policy covers damage to the life, health and property of the accident participant. 

How an MTPL policy works, for whom it is mandatory, and how to apply for a motor third party liability insurance policy online quickly and conveniently - we will tell you further in the article.

Is it necessary to have an MTPL?

According to Article 21 of the Law "On Compulsory Civil Liability Insurance of Owners of Land Vehicles", when using a vehicle in traffic, the person who drives the car is required to have an insurance policy of OSCPV (car civil insurance). 

Representatives of the National Police control whether drivers have a policy. 

In the absence of an MTPL policy, a fine will be imposed on the driver. 

Previously, some categories of citizens were completely exempt from purchasing motor third party liability insurance, but from 1 January 2025, all drivers in Ukraine are required to have a motor third party liability policy without exception. At the same time, certain categories of citizens are entitled to a 50% discount when taking out an insurance policy. These include:

- combatants;

- affected participants of the Revolution of Dignity;

- war veterans;

- persons with disabilities of groups I and II;

- persons affected by the Chernobyl disaster (categories I and II);

- pensioners.

Who is covered by the MTPL policy?

The MTPL Insurance policy insures a car, that is, the insured is the responsibility of any driver who drives a car on legal grounds. 

The territory of the MTPL agreement is throughout Ukraine. 

Can foreigners take out a motor vehicle policy?

Foreign nationals do not need to take out MTPL insurance, as they enter the territory of Ukraine on the basis of an existing Green Card policy. 

The Green Card continues to be valid in Ukraine, but for additional protection on the roads, foreign citizens can take out voluntary Mini Hull insurance.

For which cars can I issue an MTPL policy? 

The following vehicles can be insured: 

- Cars up to 1600 cm³ (inclusive).

- Passenger cars 1601-2000 cm³ (inclusive).

- Passenger cars 2001-3000 cm³ (inclusive).

- Passenger cars 3001 cm³ and more.

- Electric cars.

- Trailers. 

- Buses up to 20 seats (inclusive). 

- Buses with more than 20 seats. 

- Trucks with a load capacity of more than 2 tons.

- Motorcycles and scooters up to 300 cm³ (inclusive).

- Trucks with a load capacity of more than 2 tons (inclusive). 

- Trailers or semi-trailers for trucks. 

- Motorcycles and scooters more than 300 cm³.

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What does the MTPL policy cover? 

● Property damage – limit of liability 250,000 UAH (per victim).

The insurance contract provides for reimbursement of the following costs: 

- damage or complete destruction of the vehicle;

- damage or destruction of roads, road structures, etc.;

- damage or destruction of the victim's property;

- expenses for carrying out work necessary for rescuing victims of road accidents;

- evacuation of the vehicle from the scene of the accident. 

● Damage caused to the life and health of the victims - the limit of liability is UAH 500,000 (per victim).

The insurance contract provides for reimbursement of expenses: 

- for the treatment of the victim;

- in connection with the victim's temporary loss of working capacity;

- insurance compensation in case of permanent disability;

- in case of death of the victim.

What are the advantages of the MTPL policy? 

The MTPL insurance policy compensates victims of road accidents. In other words, it covers the expenses of the culprit of the accident.

If the driver does not have this document, then in the event of an accident, he will have to pay all damages personally, as well as pay a fine for not having an insurance policy. 

What is the deductible in the MTPL policy?

Deductible is the amount of money that the Insured (client) compensates the injured party in the event of an insured event, if property damage is caused. 

However, since the beginning of 2025, the MTPL deductible has been cancelled, so insurance companies now cover all costs within certain limits. A direct claims settlement mechanism is also being introduced, which will allow victims of road accidents to contact their insurance company, which will speed up the process of receiving payments.

For what period can a motor vehicle policy be issued?

The term of the MTPL policy is 1 year. 

The contract of the MTPL enters into force on the date specified in the document as the beginning of the validity of this contract.  

The list of documents for the registration of an MTPL policy in Ukraine

- Driver's license or passport of the insured. 

- Technical passport of the vehicle.

- Certificate of TIN of the insured. 

- If the insured is a beneficiary (pensioner, participant in the liquidation of the Chernobyl Nuclear Power Plant) - confirmation of the existence of a benefit. 

Where to issue an MTPL policy?

You can take out an MTPL policy online on the Visit Ukraine portal in just a few minutes. 

We cooperate only with trusted insurance companies, guaranteeing the reliability and transparency of insurance. Our service allows you to receive an official insurance policy in your mail in a matter of minutes without any hassle.

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.

- 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.

The procedure for issuing an MTPL policy on the Visit Ukraine portal

You can buy a CTPCI policy online on the Visit Ukraine portal in just a few minutes.

To do this, you need:

1. Follow the link.

2. Enter the number plate of the vehicle.

3. Specify the region of registration of the vehicle.

4. Indicate the date of commencement of insurance.

5. Choose the best offer and click ‘issue’.

Protect yourself and your car in a few minutes! 

On the Visit Ukraine portal, you can easily take out a compulsory motor third party liability insurance policy online. No queues, no extra paperwork, no complicated procedures - just a few clicks and you have your policy!

Be confident in your safety on the road and comply with the law without any worries. 

Apply for a policy on the Visit Ukraine portal right now!

Just a reminder. Often, unscrupulous drivers who have created an emergency situation on the road that has led to an accident flee the scene. Read here to find out what to do if the culprit has left the scene of an accident and how to get insurance indemnity in this case.

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