PJSC "Company "PRESTIGE" offers a comprehensive solution to provide your business with reliable financial protection in the event of a road traffic accident (RTA) caused by your vehicle. Mandatory Third-Party Liability Insurance for Owners of Terrestrial Vehicles (MTPL), or "autocivilka," guarantees compensation for damages caused to the property or health of other individuals at the expense of the insurance company, as required by current Ukrainian legislation.
According to the Law of Ukraine "On Mandatory Third-Party Liability Insurance for Owners of Terrestrial Vehicles" (which entered into force in its new version on January 1, 2025), every driver is obliged to carry an insurance policy while driving a vehicle. This document must be presented to officials of the National Police of Ukraine, and when crossing the state border of Ukraine, to representatives of the State Border Guard Service, upon their first request.
Advantages of insuring with PJSC "Company "PRESTIGE"
Choosing us as your partner for MTPL insurance offers you:
- Free information support: Our specialists are always ready to provide comprehensive consultations on any insurance-related questions, ensuring you feel confident.
- Individual approach: We understand that every client is unique, so we offer personalized solutions that best meet your needs.
- Favorable offers: We tailor our offers taking into account the specifics of your vehicle's operation, which allows us to optimize the insurance cost.
What Is insured and who can be the policyholder?
- What is insured? The civil liability of the person driving the insured vehicle is insured for damages caused by their fault to the health and property of third parties within Ukraine. Costs for vehicle repairs and/or health restoration of people affected by an RTA are subject to compensation. It's crucial that the vehicle is insured before its use on public roads in Ukraine.
- Who can be the policyholder? Policyholders can be legal entities and legally capable individuals (both residents and non-residents of Ukraine). The person responsible for concluding an MTPL internal agreement for an uninsured vehicle is:
- The person in whose name the vehicle is registered in Ukraine.
- An individual who has temporarily imported the vehicle into the customs territory of Ukraine.
- The owner of an unregistered vehicle.
What constitutes an insured event?
An insured event is an occurrence that causes harm to injured third parties during an RTA involving the insured vehicle, and as a result of which the civil liability of the insured person arises.
Insurance sum
As of January 1, 2025, the Law of Ukraine "On Mandatory Third-Party Liability Insurance for Owners of Terrestrial Vehicles" № 3720-IX establishes the following insurance sums for MTPL internal agreements:
- For harm caused to life and health:
- 500,000 UAH per injured person.
- 5 million UAH per insured event (regardless of the number of injured persons).
- For harm caused to the property of injured parties:
- 250,000 UAH per injured person.
- 1.25 million UAH per insured event (regardless of the number of injured persons).
Cost of insurance contract and its term
- How much does an insurance contract cost? The cost is calculated individually and depends on the place of registration of the car owner, the type of vehicle and its engine volume, the term of validity, the scope of use, the availability of benefits for the policyholder, the driver's experience, etc. The insurance premium for the contract is paid in full as a lump sum.
- For what period can an insurance contract be concluded? The insurance contract is concluded for a period of six months or one year. Concluding an MTPL agreement for a period of less than six months (15 calendar days, 21 calendar days, one month, two months, three months, four months, five months) is permitted exclusively for:
- A vehicle not registered in accordance with the Law of Ukraine "On Road Traffic" — for the period until its registration.
- A vehicle temporarily located in Ukraine and registered in a foreign state — for the period of its stay in Ukraine.
Insurance benefits
Some categories of the population are eligible for preferential terms:
- A 50% discount on the policy cost is provided for:
- Combatants.
- Victims of the Revolution of Dignity.
- Persons with Group II disabilities.
- Persons affected by the Chornobyl disaster, classified as Category I or II.
- Pensioners. This discount applies to vehicles with an engine capacity of up to 2500 cubic centimeters or an electric motor power of up to 100 kilowatts inclusive, owned by them. The condition is that such a vehicle must be driven exclusively by the policyholder or a person also belonging to the specified categories, and the vehicle must be used without the purpose of providing paid passenger and/or cargo transportation services.
- Persons with Group I disabilities can also benefit from a discount for a vehicle with an engine capacity of up to 2500 cubic centimeters or an electric motor power of up to 100 kilowatts inclusive, owned (or possessed) by them. The condition is that such a vehicle must be driven exclusively by the policyholder or another person in the policyholder's presence, or by a person also belonging to the aforementioned categories, and the vehicle must be used without the purpose of providing paid passenger and/or cargo transportation services.
Required documents for processing
To process the insurance contract, you will need:
- A document verifying the identity of the policyholder (driver's license, passport) or a document confirming eligibility for a benefit category (combatant's certificate, Group II disability certificate, pension certificate, etc.).
- Certificate of identification number assignment.
- Vehicle registration certificate (technical passport).
- Protocol of technical inspection of the vehicle subject to mandatory technical control.
To learn more about the insurance terms and calculate the contract cost, please call us or leave a request. Our specialists will provide you with all the necessary information and help you choose the best terms for you.
