In 2025, car owners will face major changes in the car insurance system. Motor third party liability policies will become more expensive. Find out more about the main innovations and tips for drivers on how to get a policy at the old price

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In 2025, drivers should be prepared for transformations in the field of compulsory motor insurance. The new rules will affect almost every car owner and will bring both price increases and additional benefits. We will discuss the increase in the cost of the MTPL policy, other changes and how to manage to insure a car at the old price in this article.

What is motor third party liability insurance?

Motor third party liability insurance is a mandatory type of insurance for vehicle owners. This policy covers damage that the driver may cause to other road users while driving. The insurance is valid in the event of property damage, injury to health or death as a result of a road traffic accident.

Here's how to find out when a car insurance claim may be denied and how to appeal.

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

Starting from 1 January 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 been involved in road accidents in the past will pay a higher premium.

It is important to emphasise 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.

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

How to get car insurance at the old price?

We recommend that you insure your car before the new year to take advantage of 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.

You can find out how much drivers can actually receive in an accident if they have a CTP policy here.

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How to take out a motor third party liability insurance policy on Visit Ukraine?

You can take out an MTPL policy on the Visit Ukraine portal with just a few clicks. To do this, follow the link and provide the following information

- region of car registration;

- insurance period (1 year);

- type of vehicle;

- date of commencement of insurance.

How to check the validity of a CTPCI policy and its validity period through the MTIBU - instructions here.

How much does a car insurance policy cost on Visit Ukraine?

Until 2025, the following prices have been set for CTPCI:

- with a deductible of UAH 3,200: UAH 2,479 per year;

- with a deductible of UAH 1,600: 2 859 UAH/year;

- with a deductible of UAH 0: UAH 3,345 per year.

Please note! Prices are for a car with an engine capacity of up to 1600 cm³ registered in Kyiv.

For more information on how to get compensation under CMTPL if the culprit fled the scene of an accident, please follow the link.

What are the benefits of taking out a CTP insurance policy on Visit Ukraine?

● Fair market rates that guarantee payments.

● Unified pricing policy with service station partners, which guarantees the restoration of the victim's car.

● Possibility to conclude a contract with a deductible of UAH 0.00.

● One of the best in Ukraine Contact Centre providing information support.

● One of the best settlements in Ukraine, which guarantees protection of the Insured's/Insured's budget.

Just a reminder! For every vehicle with Ukrainian registration, CTPCI is mandatory. Read here to find out what penalties are provided for by law for the absence of a policy.

Photo: Freepik

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