Bewertung von Versicherungsgesellschaften 2025: Wie wählt man eine zuverlässige Autoversicherung für sein Auto?

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All car owners have to face the issue of choosing a reliable motor insurance policy. The insurance market continues to develop even in times of war, and Ukrainians are becoming more and more aware of the protection of their vehicles. What are the main trends in the CMTPL market and who is among the top insurance leaders? We will tell you in today's article.

Earlier, we told you that in Ukraine, car fixation cameras will fine for the absence of a motor vehicle liability insurance.

Which insurance companies have become leaders in payments?

In 2024, several companies that have proven themselves to be reliable and customer-oriented were leaders in the MTPL market. Among them, it is worth highlighting the TAS insurance group, which ranks first in the ratings in terms of premiums and payments collected.

In addition to TAS, the leaders in motor third-party liability insurance payments and the number of settled road traffic accidents are ORANTA, Knyazha and PZU Ukraine.

TOP-20 largest insurers by claims in 2024:

1. TAS SG - UAH 468,265 thousand;

2. ORANTA - UAH 350,342 thousand;

3. PRINCELY - 275 018

4. PZU Ukraine - UAH 238,037 thousand;

5. VUSO - UAH 154,387 thousand;

6. USG - UAH 183,473 thousand;

7. EUROINS Ukraine - UAH 144,844 thousand;

8. INGO - UAH 120,472 thousand;

9. GARDIAN - UAH 134,808 thousand;

10. ARSENAL INSURANCE - UAH 119,408 thousand;

11. ARX - UAH 116,083 thousand;

12. Turnover - UAH 155,909 thousand;

13. UNIQA - UAH 116,316 thousand;

14. BBS Insurance - UAH 66,670 thousand;

15. FIRST - UAH 72,809 thousand;

16. UPSK - UAH 51,528 thousand;

17. KRAINA - UAH 57,698 thousand;

18. Express Insurance - UAH 49,677 thousand;

19. UNIVERSALNA - UAH 56,653 thousand;

20. EUROPEAN INSURANCE ALLIANCE - UAH 27,200 thousand.

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Changes in conditions in the MTPL market in 2025

The market of CMTPL and international Green Card insurance has undergone significant changes since January 1, 2025 due to the adoption of the new law. It has changed the approach to payments and protection of drivers' interests in Ukraine.

In the previous article, we reviewed all the relevant changes in motor insurance that will come into force in 2025.

Direct settlement of losses

The new law stipulates that victims of road accidents will no longer have to apply to the culprit's insurance company. Payments will be made by the victim's insurance company, which greatly simplifies the process and speeds up compensation. This rule applies only when two parties are involved in an accident, only the vehicles are damaged, and the victim has a valid MTPL policy.

This innovation will improve the lives of car owners and make them more careful when choosing an insurance company, as it will be responsible for the quality and efficiency of compensation for damages and assistance with car repairs.

You can learn more about the new amounts of insurance payments under CMTPL in 2025 by following the link.

Payments without taking into account wear and tear

Compensation for car damage will now be calculated without taking into account the wear and tear of parts. This means that the amount of compensation will increase, allowing for the replacement of damaged parts at no additional cost to the owner. For cars up to 5 years old, insurers will take into account the cost of new parts recommended by the manufacturer. For older cars, the compensation will include the cost of parts that meet the technical characteristics of the car and are analogous to the original ones.

Payment directly at the service station

Insurance companies can now make payments directly to the service station chosen by the car owner from the list available on the website. This way, the driver will not have to worry about the amount of payment, search for spare parts, and the duration of the repair. All these nuances will be settled by the insurance company.

To learn more about which categories of drivers will no longer be able to enjoy the benefits of MTPL insurance in 2025, please follow the link.

No restrictions under the European Protocol

Payments under the European Protocol will no longer be limited to fixed limits. The compensation will cover all car repair costs up to the sum insured, which will free drivers from unnecessary expenses. To be eligible for the Europrotocol, an accident must meet several conditions: only two parties with MTPL policies, only cars are damaged, drivers agree to the circumstances of the accident, are sober, and the accident is a contact accident.

The requirement for a contact accident is a novelty - a report cannot be drawn up if the accident occurred due to a maneuver without a collision, such as a ditching. The NBU has the right to set payment limits, but in their absence, compensation will be made within the limits of the current insurance amounts.

No deductibles

The new insurance rules eliminate the need for partial compensation of losses under the deductible. From now on, the insurance company fully covers all expenses, relieving victims of unnecessary financial worries. The car owner receives a fully restored car in the shortest possible time, which greatly simplifies life and increases confidence in insurance services.

How is it profitable to buy a motor citizen?

If you are looking for a quick and convenient way to take out a car insurance policy, Visit Ukraine offers the best conditions for choosing and buying an insurance policy. Our service allows you to get insurance from leading companies, including TAS, guaranteeing the reliability and transparency of insurance.

Getting an MTPL policy on our website is an intuitive process that takes just a few minutes.

To take out a policy, you need to:

1. Click the “Order a policy” button;

2. Indicate the car's license plate number (specify benefits if available);

3. Choose an offer from the insurance company and the date of the policy's commencement;

4. Fill in the form with data about the car and the policyholder;

5. Confirm the data, agree to the terms of the contract;

6. Pay for the policy and receive electronic insurance by email.

If the system does not find your car, you can enter the information manually: vehicle type, engine size, and place of registration of the owner.

Buying a car insurance on Visit Ukraine is not only convenient, but also profitable. We cooperate only with trusted insurers, ensuring your confidence on the road. Travel comfortably and safely with us!

We remind you! Refusal to pay CTP insurance can be an unexpected and unpleasant event for drivers, but it is not always the final decision. Read more about the reasons why insurers may refuse to pay and whether you can appeal this decision.

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

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