Mini-Hull or motor insurance: how do they differ and which should a driver choose?

Mini-Hull and motor insurance are two types of car insurance that perform different functions and often cause confusion among drivers. One policy is mandatory for every car owner, while the other is voluntary but provides additional protection for your car. Let's take a look at how they differ and in which cases it is worth choosing both. Find out which option is best for you

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Car insurance is a mandatory part of every Ukrainian driver's life. But many people are still confused about the terms and do not fully understand why motor insurance is needed and how it differs from mini-hull insurance. It is important to understand these details, because the right choice of policy affects not only your wallet, but also your sense of security on the road.

What is motor insurance (MTPL)

Motor third-party liability insurance is compulsory insurance of the civil liability of the driver. The policy covers the damage that you, as the person responsible for the accident, may cause to other road users: repair of their car, treatment of passengers or the driver. At the same time, your own vehicle is not repaired under MTPL.

The main purpose of this policy is to protect not the owner of the insurance, but the victims of the accident. That is why CMTPL is mandatory for all car owners in Ukraine.

Take out a motor third party liability insurance online in 5 minutes and feel confident on the road!

Mini-hull insurance: what it is and why you need it

Mini-hull insurance is a simplified and affordable version of voluntary HULL. Unlike the full version, it covers a limited list of risks, but its main value is the ability to repair your own car, even if you yourself caused the accident.

For example, if you are at fault in an accident, the victim's damages will be covered by MTPL, and with mini-hull insurance, you will be able to repair your car at no additional cost. Thus, these two policies complement each other.

Moreover, on the Visit Ukraine portal, you can purchase a mini-hull insurance package with coverage for military risks, which is very relevant for Ukrainian drivers today.

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Key differences between mini-hull insurance and motor third-party liability insurance

▪️ Mandatory: every driver must have motor third-party liability insurance, while mini-hull insurance is voluntary.

▪️ Coverage: motor third-party liability insurance protects victims of accidents, while mini-hull insurance protects your car.

▪️ Price: CTP insurance is cheaper and regulated by the state, while mini-hull insurance is more expensive, but its cost depends on the package of services.

▪️ Settlement of claims: with CTP insurance, you depend on the insurance company of the person responsible for the accident, while with mini-hull insurance, you work with your own insurer.

When is MTPL sufficient, and when is it worth adding mini-hull insurance?

MTPL is the minimum requirement for driving on Ukrainian roads. However, it will not protect your car in the event of damage. If you have a new car or want to feel more comfortable behind the wheel, it would be wise to take out mini-hull insurance in addition to MTPL.

For those who are willing to take risks and are confident in their driving experience, compulsory insurance may be sufficient. However, experience shows that even the most careful drivers are not immune to unforeseen situations.

Reminder! Medical insurance for foreigners in Ukraine is one of the main requirements for crossing the border upon entry, especially if the trip is going to be long. Learn about the most common mistakes foreigners make when buying insurance and how to avoid them.

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