Changes in car insurance will come into force in January. Find out more about which categories of drivers will no longer be able to enjoy the benefits of a motor citizen in 2025

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In 2025, the law “On Compulsory Insurance of Civil Liability of Owners of Land Vehicles” will come into force, introducing significant changes to motor third-party liability insurance. One of these innovations is the abolition of benefits for certain categories of drivers. This decision will have a significant impact on the motor insurance market, as well as on the financial obligations of car owners.

In the previous article, we talked about the rating of insurance companies for taking out a motor citizen.

Reasons for the cancellation of benefits

The main reason for the abolition of benefits for motor third party liability insurance is the need to stabilize the insurance market and balance financial flows. Due to the large number of beneficiaries, insurance companies incurred additional costs, which made it difficult to pay compensation to victims. At the same time, the increasing number of cars on Ukrainian roads creates a need for a fair distribution of the financial burden among all car owners.

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Key changes in the benefits of motor third party liability insurance

Until the end of 2024, there were 2 privileged categories:

1. Exempted from purchasing MTPL insurance for which MTIBU paid compensation;

2. Persons entitled to a 50% discount on insurance.

Starting in 2025, none of the categories of drivers will be exempt from purchasing CTPCI. All beneficiaries will be required to take out insurance, but can claim a 50% discount.

This applies to the following categories of people:

- Combatants;

- Injured participants of the Revolution of Dignity;

- Participants of the war;

- Persons with disabilities of group II;

- Persons affected by the Chornobyl disaster, classified as category I or II;

- Pensioners;

- Persons with disabilities of group I.

However, the Verkhovna Rada has already registered draft law No. 12295, which again proposes to exempt combatants, persons with disabilities as a result of war and affected participants of the Revolution of Dignity from obtaining motor third-party liability insurance until December 31, 2025. Therefore, some benefits may be restored.

You can learn more about the peculiarities of obtaining an electric car insurance policy by following the link.

What are the conditions for getting a 50% discount on CTPCI?

To get the discount, you must meet the following requirements:

- The vehicle must have an engine capacity of up to 2500 cm3 or an electric motor power of up to 100 kW inclusive;

- The vehicle must be owned by a person with privileged ownership rights;

- The vehicle may be driven only by the policyholder or other persons who also belong to the privileged categories;

- The vehicle may not be used for the provision of commercial services, transportation of passengers and cargo.

Increase in the cost of CTPCI in 2025

In addition to the changes for beneficiaries, the cost of motor third party liability insurance is also expected to increase from January 1. Insurers will have more freedom in setting policy prices.

Also, the individual history of the driver will be taken into account when calculating the price. Therefore, people who have been found guilty of an accident will have to pay more for an insurance policy.

In addition, the price increase will also increase the amount of insurance compensation. Maximum payments will increase:

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

- For property damage - 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.

We recommend insuring your car before the New Year to get a policy at the old price. This way you can take advantage of the current 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.

We remind you! A refusal to pay a CTPCI claim can be an unexpected and unpleasant event for drivers, but it is not always a final decision. Read more about the reasons why insurers may refuse to pay out and whether you can appeal this decision.

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