MOTOR TPL INSURANCE
WHAT IS A MOTOR TPL INSURANCE?
Motor Third Party Liability Insurance (MTPL) is a compulsory insurance of civil liability. This document is an important financial protection for every vehicle owner, as it protects them from significant material costs and legal complications in the event of an accident on the road. The insurance policy guarantees financial coverage for losses to third parties that may arise as a result of a traffic accident.
What does and does not cover MTPL insurance?
An MTPL insurance policy has clearly defined limits of liability, which are important for every driver to understand. The main purpose of motor third party liability insurance is to protect the property interests of third parties in the event of a traffic accident caused by the owner of the insured vehicle.
The insurance coverage includes compensation for material damage caused to the property of other road users. This may include damage to vehicles and any other material objects, as well as compensation for medical expenses incurred by injured persons.
At the same time, there are clear limitations to insurance coverage. MTPL does not provide compensation for the repair of your own car, personal injuries to the driver, loss of property in the car, or damage caused by natural disasters. In addition, MTPL does not cover theft of a vehicle, break-in, or theft of property from a car.
Is it possible to drive without Motor TPL insurance in Ukraine?
Every car owner in Ukraine is obliged to take out car insurance. Exceptions are provided only for a limited category of people. You can see the list of those who do not need MTPL in Ukraine here.
In the absence of an insurance policy, the driver will be fined UAH 425. If the payment is not made within 15 days, the amount will double, and the driver will have to pay UAH 850.
See below for step-by-step instructions on how to buy a Motor TPL insurance policy on the Visit Ukraine website.
ADVANTAGES OF INSURANCE AT VISIT UKRAINE
Frequently asked questions
Who can take out a MTPL insurance policy?
Citizens of Ukraine must have an MTPL policy, according to Article 21 of the Law “On Compulsory Insurance of Civil Liability of Owners of Land Vehicles.”
In the absence of an MTPL policy, the driver will be fined.
For more information on the Motor TPL insurance product, please follow the link.
What documents do I need to have to get Motor TPL Insurance online?
For what period can I take out a Motor TPL Insurance?
What determines the cost of a MTPL insurance?
What vehicles can be insured under the MTPL policy?
What risks are covered by a MTPL insurance policy?
What are the benefits of taking out an MTPL policy?
What is the difference between the Green Card and a MTPL policy?
What is the sum insured and deductible?
Do I need to print out the electronic policy?
What should I do if I entered incorrect information when applying for an insurance policy and I have already paid for it?
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ONLINE MOTOR TPL INSURANCE FOR YOUR CAR IN 5 MINUTES ON VISIT UKRAINE
Visit Ukraine offers fast and convenient online car insurance. We cooperate only with trusted insurance companies, guaranteeing the reliability and transparency of insurance. Our service allows you to receive an official insurance policy in a matter of minutes to your mail without any hassle.
How to buy MTPL insurance online on Visit Ukraine?
The process of applying for car insurance online on our website is as simple and intuitive as possible. To buy MTPL insurance for a car online, you will need a minimum set of documents and a few minutes of your time:
1. Click the “Order a policy” button.
2. Enter the state number of the vehicle and check the box if you have benefits for taking out an insurance policy - the system will automatically find your car by the state number.
3. Specify the policy start date and choose an offer from an insurance company that meets your needs.
4. Fill in the form with the data about the policyholder and the car.
5. Confirm the data and agree to the terms of the contract.
6. Pay for the policy in a way convenient for you and receive electronic insurance by email.
If the system does not find your car, you can fill in the information manually. To do this, specify the type of vehicle, engine size and place of registration (residence) of the owner.
Available payment methods
You can pay for insurance online:
● With a bank card of any bank in the world: Visa or Mastercard
● Through payment systems: Apple Pay, Google Pay and American Express
● Using payment by installments through WayForPay: Monobank, PrivatBank, A-bank.
Visit Ukraine offers a flexible and secure insurance payment system adapted to the needs of customers. All our customers' data is securely protected and confidential. At the same time, you can insure your car online from any corner of the world.
Online MTPL insurance – what you should know about it
An electronic policy Motor TPL Insurance has the same legal force as a paper one. A policy issued online is instantly registered in the MTIBU database and does not require printing. If necessary, you can present the policy directly from your smartphone screen.
What documents do I need to buy a MTPLinsurance policy online?
To buy MTPL insurance online, you need to have a Ukrainian passport or driver's license, a technical passport for the car and an identification number. A protocol for checking the technical condition of the car is required only if the vehicle is subject to mandatory technical inspection.
What does the price of MTPL insurance depend on?
The cost of an insurance policy on the Visit Ukraine website is formed taking into account a number of factors, including:
● Region of vehicle registration;
● Type of vehicle and engine power (insurance is available for cars, trucks, electric cars, buses, and motorcycles).
MTPL insurance price 2026: how much does it cost per year?
Insurance companies now have the right to set their own prices for car insurance policies.
For your convenience, all the current tariffs for MTPL insurance in 2026 are summarized in the tables below - separately for cars, electric cars, trucks, buses, and trailers.
The price of MTPL insurance for a passenger car
The cost of MTPL insurance for a car with an engine capacity of up to 1.6 liters inclusive ranges from UAH 5,380 to UAH 7,057.
| Vehicle engine size up to and including 1.6 liters | |
|---|---|
| Insurance company | Price/year |
| ARSENAL | 5 380 UAH |
| UNIQA | 5 544 UAH |
| INTER-POLIS | 5 447 UAH |
| Utico | 5 719 UAH |
| TAS | 6 376 UAH |
| VUSO | 6 067 UAH |
| PZU | 6 066 UAH |
| USG | 6 516 UAH |
| ORANTA | 6 896 UAH |
| UNIVERSALNA | 6 790 UAH |
| INGO | 7 057 UAH |
The cost of motor third party liability insurance for a car with an engine capacity of 1.6 liters to 2 liters inclusive ranges from UAH 6,210 to UAH 7,757.
| Car engine size from 1601-2000 cm3 inclusive | |
|---|---|
| Insurance company | Price/year |
| INTER-POLIS | 6 210 UAH |
| ARSENAL | 6 286 UAH |
| VUSO | 6 916 UAH |
| Utico | 6 972 UAH |
| PZU | 6 915 UAH |
| UNIQA | 7 151 UAH |
| ORANTA | 7 523 UAH |
| UNIVERSALNA | 7 544 UAH |
| INGO | 7 518 UAH |
| TAS | 7 202 UAH |
| USG | 7 757 UAH |
The cost of motor third party liability insurance for a car with an engine capacity of 2 liters to 3 liters inclusive ranges from UAH 6,428 to UAH 10,562.
| Car engine size from 2001-3000 cm3 inclusive | |
|---|---|
| Insurance company | Price/year |
| INTER-POLIS | 6 428 UAH |
| ARSENAL | 7 122 UAH |
| PZU | 7 158 UAH |
| UNIQA | 7 428 UAH |
| Utico | 7 299 UAH |
| USG | 7 819 UAH |
| TAS | 7 354 UAH |
| ORANTA | 8 777 UAH |
| INGO | 9 365 UAH |
| UNIVERSALNA | 10 562 UAH |
The cost of motor third party liability insurance for a car with an engine capacity of 3 liters or more inclusive ranges from UAH 7,676 to UAH 12,825.
| Vehicle engine size from 3001 cm3 and more inclusive | |
|---|---|
| Insurance company | Price/year |
| ARSENAL | 7 676 UAH |
| UNIQA | 7 872 UAH |
| INTER-POLIS | 7 871 UAH |
| USG | 7 881 UAH |
| Utico | 9 127 UAH |
| TAS | 9 586 UAH |
| INGO | 10 288 UAH |
| ORANTA | 10 971 UAH |
| VUSO | 9 706 UAH |
| PZU | 8 310 UAH |
| UNIVERSALNA | 12 825 UAH |
Price of MTPL insurance for an electric car
The cost of a third-party liability insurance policy for an electric car/hybrid ranges from UAH 7,859 to UAH 13,580.
| Electric car | |
|---|---|
| Insurance company | Price/year |
| PZU | 8 499 UAH |
| INTER-POLIS | 7 859 UAH |
| VUSO | 9 009 UAH |
| UNIQA | 8 759 UAH |
| Utico | 8 614 UAH |
| ARSENAL | 9 259 UAH |
| USG | 9 805 UAH |
| ORANTA | 10 344 UAH |
| INGO | 9 826 UAH |
| TAS | 8 347 UAH |
| UNIVERSALNA | 13 580 UAH |
Price of MTPL insurance for a motorcycle
The cost of MTPL insurance for a motorcycle ranges from UAH 1,852 to UAH 5,779.
| Motorcycles | ||
|---|---|---|
| Insurance company | Engine size less than 300 cm3 | Engine size over 300 cm3 |
| INTER-POLIS | 1 852 UAH | 3 704 UAH |
| UNIVERSALNA | 1 962 UAH | 3 546 UAH |
| ARSENAL | 2 022 UAH | 4 044 UAH |
| ORANTA | 2 132 UAH | 4 263 UAH |
| VUSO | 2 063 UAH | 4 125 UAH |
| TAS | 2 203 UAH | 4 058 UAH |
| USG | 2 793 UAH | 3 910 UAH |
| PZU | 2 889 UAH | 5 779 UAH |
| INGO | 3 298 UAH | 5 276 UAH |
Price of MTPL insurance for a truck
The cost of motor third party liability insurance for a truck ranges from UAH 10,935 to UAH 15,941.
| Truck | ||
|---|---|---|
| Insurance company | Price/year for cars less than 2 tons | Price/year for cars over 2 tons |
| INGO | 11 607 UAH | 10 935 UAH |
| VUSO | 11 518 UAH | 12 555 UAH |
| TAS | 12 173 UAH | 15 941 UAH |
Price of MTPL insurance for buses
The cost of MTPL insurance for a bus ranges from UAH 7,115 to UAH 17,277.
| Passenger bus | ||
|---|---|---|
| Insurance company | Capacity less than 20 people | Capacity more than 20 people |
| INGO | 7 115 UAH | 15 597 UAH |
| VUSO | 14 686 UAH | 17 277 UAH |
Price of MTPL insurance for a trailer
The cost of MTPL insurance for a trailer ranges from UAH 1,358 to UAH 2,898.
| Trailer | ||
|---|---|---|
| Insurance company | Price/year for a trailer for a passenger car | Price/year for a trailer for a truck |
| UNIVERSALNA | 1 358 UAH | - |
| ORANTA | 1 759 UAH | - |
| INTER-POLIS | 1 852 UAH | - |
| ARSENAL | 2 022 UAH | - |
| TAS | 1 971 UAH | 2 898 UAH |
| VUSO | 1 959 UAH | 2 880 UAH |
| PZU | 1 829 UAH | 2 690 UAH |
| USG | 2 308 UAH | 2 886 UAH |
Attention! Prices are for one year for vehicles with Kyiv registration. The cost of the policy may differ depending on the region of registration of the car owner, driving experience, etc.
How to insure a car online against additional risks?
Motor TPL Insurance is compulsory car insurance, but it does not cover the repair of your car in the event of an accident and does not provide compensation for the destruction of the vehicle due to natural disasters or military operations. To get additional protection for your car, we recommend buying Mini Hull Insurance, a voluntary car insurance at an affordable price that covers the most common risks, including passive war risks. On the Visit Ukraine website, you can choose the required coverage package and insurance period, and get a ready-made insurance policy in 5 minutes.
Checking an insurance policy through the MTIBU website – how to do it?
Checking the validity of a policy through MTIBU is done in a few clicks. Follow these simple steps to check the MTPL insurance purchased online:
1. Go to the official website of MTIBU and select the section “Checking policies”
2. Select the criteria by which you want to search (vehicle number, VIN number or MTPL policy number) and specify the date on which you want to check
3. Get acquainted with the data on the insurance status
Do not put off the issue of your vehicle's safety. Take out a car insurance policy at Visit Ukraine, your reliable partner in the world of car insurance.
Follow the link to buy a MTPL insurance policy or contact our support service via the form on the website or messenger (WhatsApp or Telegram). Our managers will answer all your questions and help you with the registration of a suitable insurance policy for your car.