Top 5 mistakes drivers make when purchasing auto insurance

Auto insurance in Ukraine is mandatory for every driver. In this article, we have compiled a list of the top 5 mistakes made when purchasing MTPL insurance in 2025. Learn how to avoid risks, fines, and denial of payment, and why it is worth purchasing a policy online

Get your car insurance at Visit Ukraine - guaranteed protection on the road in just 5 minutes!

BUY

Motor vehicle insurance (MTPL) is compulsory insurance for every driver in Ukraine. It covers damage caused to other road users in the event of an accident. But even experienced drivers often make mistakes when taking out a policy. As a result, this can lead to fines, refusal to pay, or even invalidation of the policy.

In this article, we will look at the top 5 most common mistakes when purchasing MTPL insurance in 2025, explain what they lead to, and give practical advice on how to avoid them.

The most common mistakes when purchasing MTPL insurance in Ukraine and how to avoid them

1. Purchasing a policy from dubious intermediaries

One of the main problems is the desire to “save money” and purchase car insurance in Ukraine through dubious agents. This puts drivers at risk of receiving a fake or invalid policy that is not registered in the MTIBU database. In the event of an accident, such a document will have no legal force.

To avoid this mistake, you should always check whether the insurance company has a license. This can be done through the official website of the MTIBU.

The easiest way is to take out car insurance online through Visit Ukraine, which only offers policies from licensed insurers. This guarantees legality and protection in any situation.

Read also: When can a motor insurance claim be denied and how to appeal?

2. Focusing only on price

Many drivers choose a policy based solely on its cost. But car insurance is not a case where you should chase the “cheapest” option. It is better to focus not only on price, but also on coverage terms and customer reviews. After all, the reputation of the insurance company also matters: it is important that it actually pays compensation and does not delay the process.

Read also: How much will car insurance increase in 2025?

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

3. Incorrect data entry in the policy

Another common mistake is carelessness when filling in the data:

● Incorrect car number or owner's full name.

● Missing digits in the passport or driver's license series.

● Incorrect registration address.

Even a minor mistake can be grounds for refusal to pay. Therefore, be sure to check all information before signing or paying.

Tip: When purchasing insurance online through Visit Ukraine, you can easily avoid the risk of entering incorrect data, because when you enter the state number of the car, all information about the vehicle and the owner is automatically pulled from the registries.

Read also: What happens if the police stop you without car insurance?

4. Putting off registration until the last minute

Some drivers only remember about car insurance when they are stopped by the police or have an accident. This is a risky strategy:

● There is a fine for not having a valid policy.

● In the event of an accident, the person responsible will have to compensate the victims out of their own pocket.

Registering for MTPL online only takes a few minutes of your time, so it's better to do it in advance. Modern services allow you to buy car insurance online in just a few clicks.

Read also: In what cases can a driver be charged 100% of the insurance payment?

5. Ignoring electronic car insurance

There is still a myth that only a paper policy is required. In fact, electronic auto insurance has the same legal force as a printed one. Its advantages are obvious:

● the document is always with you on your smartphone;

● it is impossible to “forget it at home”;

● it is easy to check in the official database.

Therefore, when choosing car insurance in Ukraine, we advise you to pay attention to electronic formats.

How to avoid these mistakes?

To avoid unnecessary costs and risks, follow these simple rules:

● buy policies only from trusted services and licensed companies;

● carefully check the data before signing;

● choose electronic car insurance — it is convenient and safe;

● Evaluate not only the price, but also the coverage and reliability of the insurer.

● Consider additional protection, such as mini hull insurance, which will cover damage to your car (even if you are at fault in an accident) and provide protection in case of an emergency (such as natural disasters or the consequences of military action).

Why you should get car insurance through Visit Ukraine

MTPL on Visit Ukraine is:

1. Verified and licensed insurers.

2. The ability to get MTPL Ukraine online in 5 minutes.

3. An electronic policy sent immediately to your email.

4. Convenient 24/7 support and affordable prices.

Car insurance in Ukraine is not only an obligation, but also your personal safety. By avoiding common mistakes, you will save money, time, and nerves.

Avoid mistakes — get your car insurance online at Visit Ukraine and feel confident behind the wheel!

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.

Photo: Freepik

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

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

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

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

© 2018-2025, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.