ОСАГО (автогражданка) во Львове от «Polis24.com.ua»

“Bonus-Malus” (from Latin — “good-bad”) is an international system of tariff coefficients that rewards careful drivers and financially “penalizes” those who are at fault in road accidents. The new OSAGO law provides for the phased introduction in Ukraine of a unified “Bonus-Malus” class system that links the cost of a policy to the driver’s driving history.

The logic of the system is simple. If you drove carefully throughout the year and were not at fault in a road accident, you receive a claim-free discount when renewing your policy, and over time it accumulates (bonus). If, however, a road accident occurred through your fault and the insurance company paid compensation, your risk class is reduced, and the next policy costs more (malus).

The system is integrated with the centralized MTSBU database. This means that your driving history is linked to your personal data and is visible to insurers regardless of which company you previously purchased your policy from. You will not be able to switch insurers to “erase” your accident history: when calculating the price on polis24.com.ua, the company checks the MTSBU database and applies the relevant class.

Since the system is being implemented in stages, the specific amount of discounts and surcharges may vary between insurers under free pricing — another reason to compare offers. The main conclusion remains unchanged: claim-free driving is not only about safety but also about direct savings on your insurance policy.

Note for verification. Texts No. 2 (limits of UAH 250,000/500,000), No. 3 (free pricing), No. 5 (abolition of the deductible), No. 14 (mandatory direct settlement), No. 17 (abolition of wear-and-tear deductions), and No. 30 (“Bonus-Malus” system) are based on current legislation and publicly available sources as of 2026. These topics are not covered on the provided polis24.com.ua pages, so the numerical limit values and wording regarding pricing should be additionally checked against the current version of the OSAGO Law and the data published by the NBU/MTSBU as of the publication date.

Many drivers mistakenly believe that an insurance policy completely relieves them of any liability. This is not the case. Ukrainian legislation provides for the right of recourse — the right of an insurance company to demand repayment from the at-fault driver of the funds it has paid to the injured party. First, the insurer fulfills its obligations to the injured party, and then, in certain cases of violations, seeks to recover the amount paid from its own client.

The law contains a clear list of grounds on which an insurance company may file a recourse claim against the at-fault driver:

• driving a vehicle while under the influence of alcohol, drugs, or other intoxicating substances;
• having no right to drive a vehicle of the relevant category or being deprived of a driver’s license;
• leaving the scene of a road accident before the police arrive or before completing the European Accident Statement;
• failure to notify your insurance company of the road accident within the prescribed period without valid reasons;
• a road accident caused by a critical technical fault if the vehicle did not undergo the required technical inspection on time (relevant for commercial vehicles, taxis, and trucks).

Recourse is a tool that encourages responsible behavior on the road. The specialists at polis24.com.ua remind drivers that to avoid being required to repay tens or hundreds of thousands of hryvnias to an insurance company, you should follow the traffic rules, never drive under the influence, and comply with the deadlines for submitting documents after an accident.

Some categories of citizens are entitled to a 50% discount on Motor Third-Party Liability Insurance. It is important to note that the discount applies to only one vehicle owned by the eligible person.

The 50% discount applies to the following categories:

• pensioners;
• combatants;
• persons with Group 1 or Group 2 disabilities;
• Chornobyl disaster survivors classified as Category 1 or 2;
• war veterans;
• participants who suffered as a result of the Revolution of Dignity.

The conditions for applying the discount are as follows: the vehicle must belong to the eligible person; the eligible person must personally drive the vehicle, or it may be driven by another person who is also entitled to the discount; the insured vehicle must not be used for commercial purposes (paid transportation of goods or passengers); for persons with Group 1 disabilities, the policy also covers driving by another person, provided the eligible person is present in the vehicle. The discount is available only for vehicles with an engine capacity of up to 2,500 cubic centimeters or an electric motor power of up to 100 kilowatts inclusive. If the conditions for using the eligible person’s vehicle are violated, the law provides for the possibility of a recourse claim against the person responsible for the insured event.

Since the discount applies to only one vehicle, as of July 24, 2025, the MTSBU introduced technical verification when registering a policy in the centralized database. A discounted policy will not be issued if the owner already has a valid discounted policy for another vehicle; verification is carried out using the taxpayer registration number (tax identification number). On polis24.com.ua, the discount can be applied for online by entering the details of the relevant eligibility certificate.

To receive compensation under an OSAGO policy, a driver involved in a road accident must comply with the Traffic Rules and the provisions of the OSAGO Law (Article 31). The procedure is as follows:

1. Remain at the scene of the road accident whenever possible.
2. Take measures to reduce the negative consequences of the road accident, in particular by providing assistance to injured persons.
3. Provide other parties involved in the road accident with information about yourself and your OSAGO insurer.
4. Notify your insurance company of the road accident by the telephone number specified in the contract. In any event, this must be done within 3 days of the incident, providing information about the circumstances of the road accident, the location of the damaged vehicle, and up-to-date contact details. If the driver fails to do so on time, they must prove that there were valid reasons for the delay.
5. Under certain circumstances, drivers may complete a European Accident Statement without calling the police.
6. Make sure that the police officers indicate the current insurers of the parties involved in the accident in the accident report.
7. Keep the damaged vehicles in the condition they were in after the road accident until they are inspected by representatives of the insurance company. The maximum period for the insurer to conduct the inspection is 10 days from the date of notification of the road accident.

During the inspection, the representative of the insurance company prepares two copies of the Inspection Report; one signed copy is given to the injured party (the report may also be prepared electronically). If the insurer fails to conduct the inspection within 10 days, the injured party or property owner has the right to independently arrange and pay for an assessment of the amount of damage by a licensed appraiser. In this case, the insurance company is required to reimburse the cost of such assessment. At the same time, if the inspection does not take place because the injured party failed to ensure that it could be carried out, the insurer will refuse to pay compensation.

An application for insurance compensation for property damage must be submitted to the insurance company within 1 year, while an application for compensation for damage caused to life or health must be submitted within 3 years.

When purchasing a policy on polis24.com.ua, you can always receive advice on the correct steps to take in the event of an accident.

European Accident Statement is a way of documenting a road accident involving only two parties without calling the police, which is used for subsequent insurance settlement and receiving compensation under an OSAGO policy. Settling an accident at the scene without police involvement significantly reduces the time required for the formalities and relieves the at-fault party from a fine for documenting the accident. The European Accident Statement (accident notification) can be completed, at the customer’s choice, in paper form (using a special form) or electronically. A link to complete the electronic notification is usually included in the OSAGO policy, and it is convenient to access it from the PDF policy file on a smartphone.

The European Accident Statement may be completed provided that all of the following conditions are met simultaneously:

1. Only two vehicles are involved in the road accident.
2. The parties have reached an agreement: one party accepts liability and the other is recognized as the injured party.
3. The road accident did not result in injury or death to any of the parties (no ambulance was called).
4. Neither party was under the influence of alcohol or drugs at the time of the accident.
5. The material damage does not exceed the maximum limit for the European Accident Statement established by the NBU as of the date of the accident.

You must notify your insurer directly from the scene of the accident that an insured event has occurred and that you intend to complete the accident notification without calling the police. The notification records the location, time, address of the accident, the movement trajectories of the vehicles, and other standard information. Completing the European Accident Statement is not difficult — simply follow the instructions provided.

Subsequently, pursuant to Article 32, Clause 10 of the OSAGO Law, the European Accident Statement is one of the documents submitted to the insurance company to receive insurance compensation.

Previously, Motor Third-Party Liability Insurance included a deductible — a portion of property damage that the insurance company did not cover and that had to be paid by the at-fault driver. A policy with a deductible was cheaper, but in the event of an accident, it could result in additional out-of-pocket expenses. Many drivers are still looking for information about the “deductible in OSAGO,” so it is important to be aware of the key change.

Under the new rules, effective from January 1, 2025, the use of deductibles in OSAGO contracts has been abolished. This means that all Motor Third-Party Liability Insurance policies are now issued with a zero deductible, without exception. The insurance company covers the injured party’s losses in full, within the applicable coverage limit, and the at-fault driver no longer has to pay the “deductible” portion out of their own pocket.

For drivers, this is a clear simplification. When purchasing a policy on polis24.com.ua, you no longer need to choose a deductible amount or calculate the related risks — this parameter no longer exists. If you cause a road accident, you will not face a demand to make an additional payment to the injured party. Predictability has also increased: you know in advance that, within the coverage limit, the insurer covers the losses.

It is worth remembering that the deductible as an insurance tool remains available in voluntary types of insurance, such as CASCO, where you can still choose its amount to reduce the cost of the policy. However, this no longer applies to compulsory Motor Third-Party Liability Insurance.

An electronic Motor Third-Party Liability Insurance policy has the same legal validity as a paper policy form. Today, the electronic format has become the standard: the contract is arranged online and registered in the centralized MTSBU database. Under the Traffic Rules, a driver has the right to present the policy to police officers on the screen of a smartphone or tablet or in printed form (PDF). As of January 1, 2026, only electronic policies registered in the MTSBU database are considered valid.

The purchase process takes just a few minutes on polis24.com.ua: you enter the vehicle and owner’s details, pay by card, and the system automatically registers the contract in the MTSBU database. The completed PDF file is sent to your email address. The main advantage of an e-policy is that it cannot be lost or damaged — it is always available in your email, messenger, and in the Diia app, which retrieves active insurance policies from the MTSBU database.

You can verify the authenticity and validity of the policy at any time on the official MTSBU website in the policy verification section. The search can be performed using the vehicle’s registration number or the policy number itself. If the contract has been properly issued, the system will display the status “Valid”, the name of the insurance company, and the make of the insured vehicle. This completely eliminates the risk of purchasing a counterfeit policy form from fraudsters.

One of the key changes introduced by the new law is the transition to free market-based pricing. Previously, the cost was calculated using a uniform state base rate with adjustment coefficients. Now, each insurance company largely sets its own tariffs based on its own claims and loss statistics, so the price of the same policy can differ significantly between insurers. The main practical takeaway is that you should always compare prices.

The final cost is influenced by objective risk factors that insurers incorporate into their tariffs: the type of vehicle (engine capacity for passenger cars, power for electric vehicles, load capacity for trucks), the place where the vehicle is registered according to the registration certificate (policies are more expensive in large cities and cheaper in smaller towns), the vehicle’s use (higher tariffs apply to taxis and commercial transportation), as well as the driver’s insurance history through the “Bonus-Malus” system.

How can you save money legally? First, compare offers from different companies — the calculator on polis24.com.ua helps you choose the most suitable option. Second, arrange an electronic policy online. Third, use the 50% discount if you belong to an eligible category (see the separate question). Please note that the deductible in OSAGO was abolished by the new law, so it is no longer possible to “save on the deductible” as before — all policies are issued without one.

Liability limits are the maximum amounts that an insurance company is obligated to pay to the injured party. The new version of the law significantly increased these limits compared with the previous provisions (which were approximately UAH 160,000 for property damage and UAH 320,000 for damage to life and health).

For contracts concluded from 2025 onward, the compensation limit for damage caused to the property of one injured party is approximately UAH 250,000, while the limit for damage to the life or health of one injured party is UAH 500,000. The law provides for a phased increase in these amounts, so you should always check the current limits at the time of purchase on polis24.com.ua or with the Motor (Transport) Insurance Bureau of Ukraine (MTSBU).

If the actual damage caused by an accident exceeds the established limit, general civil law applies. Under the Civil Code of Ukraine, the difference between the actual amount of damage and the insurance compensation is paid directly by the at-fault party, either voluntarily or by court order.

Useful tip: To avoid having to pay this difference out of your own pocket, insurance companies offer an additional policy — VGL (voluntary third-party liability insurance). For a small additional premium, it increases the coverage limit by hundreds of thousands or even millions of hryvnias.

The specialists at polis24.com.ua recommend purchasing OSAGO together with VGL — this provides greater peace of mind on the road, regardless of how expensive the vehicle driving alongside you may be.

Motor Third-Party Liability Insurance (OSAGO — compulsory civil liability insurance for owners of land vehicles) is a policy that insures not your own vehicle, but your financial liability toward other road users. If you cause a road accident, the insurance company with which the policy was purchased covers the damage caused to the property, life, or health of third parties. The injured party receives compensation for repairs or medical treatment, while you do not have to pay out of your own pocket.

The mandatory nature of the policy is established by law. Since January 1, 2025, a new version of the Law of Ukraine “On Compulsory Civil Liability Insurance for Owners of Land Vehicles” has been in force, significantly strengthening the protection of injured parties. Driving a vehicle without valid Motor Third-Party Liability Insurance is an offense and may result in a fine.

It is important to understand: Motor Third-Party Liability Insurance protects the interests of injured parties. If you are at fault in an accident, you must pay for repairs to your own vehicle yourself (CASCO is available to protect your own vehicle). Nevertheless, given the current cost of vehicles, an OSAGO policy at a relatively modest annual price remains a reliable financial safety net. It can be conveniently purchased online on polis24.com.ua in just a few minutes.