Choosing a car insurance policy together: tips to help you get insurance in 2025

Choosing an MTPL policy in 2025 is not only a duty, but also an important step towards road safety. It is important to understand the tariffs, discounts and online options to choose the best option for yourself. Find out how to choose the right insurance

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Motor third-party liability insurance (MTPL) is a mandatory insurance for every car owner that protects them financially in the event of a road traffic accident. In 2025, new compulsory insurance rules came into force, which significantly changed the cost and terms of insurance. We have prepared tips to help you choose and take out the right insurance to not only comply with the law but also save money.

Prices for CTP insurance have risen: reasons

On 1 January 2025, changes to compulsory motor third-party liability insurance came into force in Ukraine, which led to a significant increase in the cost of policies. The reason for the rise in price was the increased limits of insurance payments. The insurance now covers higher amounts of damage, which improves the protection of car owners in the event of an accident.

However, the rise in policy prices has caused dissatisfaction among drivers. Many are looking for ways to save money on car insurance without compromising on the quality of service. In this context, it is important to have the right advice on choosing insurance to help you find a balance between price and reliability.

What determines the price of a car insurance policy?

1. Car engine size. The larger the engine size, the higher the cost of insurance.

2. Location of registration. In big cities, the cost of the policy will be higher.

3. Insurance company. Tariffs can vary significantly, so it is worth comparing offers from different insurers.

4. Availability of benefits. Drivers who are combatants, pensioners, or disabled can get a discount on insurance (up to 50%) if their car has an engine capacity of up to 2500 cm³ or an electric motor with a capacity of up to 100 kW, and if the car is not used for commercial purposes.

How to choose a motor third party liability insurance? Tips for drivers

❗️ Study all the offers on the market. Before taking out a policy, it is important not to limit yourself to one or two offers from well-known insurers. In 2025, there are many companies operating in the insurance market with different tariffs, conditions and bonuses. On the Visit Ukraine portal, you can read the offers of a number of companies and choose the most favourable option for you.

❗️ Consider the type of insurance. There are several options for MTPL policies:

▪️ Standard policy - basic coverage that is mandatory for all car owners.

▪️ Additional services - many companies offer additional options, such as protection against unauthorised use of the car, extended coverage for damage caused by natural disasters, and others. These options can increase the cost of the policy, but in some cases they can be useful.

❗️ Rules for online registration. In 2025, it became easier to take out MTPL insurance online. Thanks to electronic policies, you can save time and money without having to visit the insurer's office. However, before applying online, make sure that:

- The insurance company has a licence to sell policies.

- The company's website allows you to pay for insurance using secure payment systems.

- The policy will be sent to you electronically with the correct details and all the necessary marks.

❗️ Pay attention to the company's rating. Choosing an insurance company is not only a matter of price, but also a matter of reliability. Before you take out a policy, read reviews about the insurer, the company's rating and indicators of their financial stability. It is important that in the event of an insured event, the company resolves your issues quickly and efficiently. When you apply for insurance on the Visit Ukraine portal, you will be able to see the rating of insurance companies.

❗️ Check the data in the policy. When applying for a policy, carefully check all the data, such as:

1. Correctness of the car make and model.

2. Correctness of the owner's data.

3. Start and end dates of the policy.

Errors in the policy can lead to problems with payments if an insured event occurs.

Also, remember that the absence of a valid MTPL policy entails a fine of UAH 425. If the fine is not paid within 15 days, the amount increases to UAH 850.

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Choose a reliable insurer on Visit Ukraine

Take out a CTP insurance policy with Visit Ukraine - a convenient and reliable way to ensure safety and confidence on every kilometre of the road!

🚗 Advantages of taking out a CTP insurance policy with Visit Ukraine:

Convenience of online registration - without leaving your home, in a few minutes, take out a policy through our website.

Affordable tariffs - we offer favourable prices that will suit every car owner.

Wide network of partners - choose an insurer from trusted and reliable companies.

Fast processing - get a policy immediately after applying and pay in a convenient way.

Don't risk your safety - take out CTP insurance with Visit Ukraine and travel around Ukraine with confidence! Moreover, you can get a guaranteed gift when you take out a motor third party liability insurance on our website.

We remind you! After buying a used car, the new owner is usually interested in the question: what to do with the MTPL insurance after the change of ownership? We explained whether the insurance remains valid, when it should be renewed, and how to check its relevance.

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