How to choose the right car insurance policy: useful tips for drivers

Auto insurance is mandatory for every driver in Ukraine. Learn how to choose the right auto insurance policy, what to look for in the terms and conditions, and where to conveniently purchase insurance online so you can feel confident on the road

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Your dream has come true—you are now a car owner. But with this comes responsibility: the need to purchase compulsory civil liability insurance, known as auto insurance. Without it, not only is it impossible to drive a car legally, but you will also have to cover all repair and medical expenses for victims in the event of an accident and pay a fine.

In this article, we explain why auto insurance is so important, what to look for when choosing a policy, and how to safely purchase an insurance policy online.

What is auto insurance and why is it mandatory?

Auto insurance is an insurance policy that compensates victims of traffic accidents if the driver of the insured car is at fault. The policy covers:

● damage to the life and health of victims;

● costs of repairing damaged property.

Drivers can be fined for not having a policy. And in the event of an accident, they will be forced to pay compensation at their own expense, which can be a serious financial burden. What happens if you are stopped by the police without car insurance is explained in our previous article.

How to choose a reliable insurance company?

Trust in an insurance company is a key factor. There are still cases of small insurers going bankrupt, leaving customers without compensation. Therefore, before purchasing a policy, it is worth checking:

1. The company's experience in the market. The longer it has been operating, the more likely it is to fulfill its obligations.

2. Customer reviews and payment statistics. Reliable insurers always fulfill their obligations in full.

3. Ratings and reputation. Payment ratings can be found in open sources, and this information is also published by the MTIBU.

5. Transparency of communication. The presence of an official website, contact center, and support in messengers.

6. Membership in the MTIBU. This is a guarantee of legal operation and control by the regulator.

Tip: avoid companies that have been involved in high-profile scandals or do not have publicly available reviews.

How much did car insurance increase in price in 2025? Read more at the link.

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What to look for when choosing a car insurance policy?

Even if the company seems reliable, it is worth reading the terms of the contract and possible exclusions and limitations in coverage carefully. Most problems during the settlement of insurance claims arise precisely because of a poor understanding of the terms of the contract. See the link for the amounts received by victims of traffic accidents in the first half of 2025.

It is important to note that when calculating insurance payments, the company takes into account the operational wear and tear of the car, which depends on the following parameters:

1. Market value;

2. Term of operation;

3. Vehicle type;

4. Region of manufacture.

Additional services

Some companies offer their customers bonuses for purchasing MTPL policies: free fuel, towing, mobile tire service, etc. Such pleasant bonuses will be useful to absolutely every driver.

And most importantly, don't forget to renew your insurance policy on time. Especially now that it can be done online in just a few minutes.

Why is it important to renew your insurance policy on time?

A motor vehicle insurance policy has a limited validity period. An expired contract is equivalent to not having one. This means:

● the risk of receiving a fine;

● full financial liability in the event of an accident;

● problems with the police during inspections.

Read also: When can you be denied payment under a motor vehicle insurance policy and how can you appeal?

Where can you get a motor vehicle insurance policy?

The most convenient way is to get a policy online. This saves time and avoids having to visit insurance company offices. At the same time, on the Visit Ukraine portal, you can easily compare the terms and conditions of different companies and buy the most affordable insurance for your car without overpaying. It takes no more than 5 minutes to get a policy, and the insurance will be sent to the specified email address immediately.

We remind you! Often, unscrupulous drivers who have caused an accident on the road flee the scene. Read more about what to do if the person responsible has left the scene of a traffic accident and how to obtain insurance compensation in such a case in our previous article.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

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Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

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