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The grounds are set out in the Law on compulsory civil liability insurance for owners of land vehicles. The policyholder reimburses the insurer if they: gave false information when taking out the policy and this reduced the premium (penalty: five times the premium, capped at 50% of the payout); breached a restriction written into the […]

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 […]

The person taking out the contract must give accurate information. The Law requires the policyholder to disclose the material circumstances relevant to assessing risk; the insurer sets the form and method of disclosure and publishes on its website the list of information it takes into account. Intermediaries must supply the same data. Ukraine now has […]

The driver involved notifies the insurer within three working days. They preserve the damaged vehicle or property in its post-accident condition until the insurer’s representative inspects it — up to 10 working days from notification. The insurer draws up an inspection report and has the claimant sign it. If the inspection fails to happen through […]

It is public information, checkable free of charge at any hour. The check runs on the vehicle registration number, the VIN or the policy number, for the current date or an earlier one. It returns the insurer, its contact details, the policy number and the details of the insured vehicle. The National Police can run […]

Direct settlement is where the injured party’s own insurer pays the claim under their own MTPL policy. The injured party submits a claim to their own insurer under their MTPL contract. That insurer reviews the circumstances, decides, and pays the claimant. The timescales and procedure for handling the case follow the standard statutory rules. Direct […]

Six months for a vehicle on Ukrainian registration. For a foreign-registered vehicle temporarily in Ukraine, or a vehicle on temporary registration, cover starts from 15 days. If you have driven into Ukraine on foreign plates, this short-term option is the one you need — a full-year policy is neither required nor sensible.

Why increase the MTPL limit. Extended liability cover (DGO) increases the level of cover under an MTPL contract. It is a separate policy that raises the insured sum. It responds once losses exceed the amount set by the Law on Compulsory Liability Insurance. The practical value of extended liability cover is that it guarantees the […]