Ukraine has free pricing on MTPL, so the market offers a wide spread of prices for what is, in substance, the same product. The terms are universal, because they are written into the Law: zero deductible, statutory payment deadlines, settlement without deduction for wear, and the MTSBU guarantee mechanism behind the payout.

Where insurers genuinely differ is in how they behave when you claim. Judge them on: how quickly and simply you can notify a loss; how transparent the payment procedure is; and their average time to pay. That — not the premium alone — is what separates the best motor insurance from the cheapest motor insurance.

Polis24 does not favour any insurer. You give us your details once, we run a motor insurance quotation across the market, and we show you what each company charges and how each behaves. Nobody pays us for a better position in that list.