Kfz-Haftpflichtversicherung 2025: Wie viel können Fahrer im Falle eines Unfalls wirklich erwarten?

Ihre Kfz-Haftpflichtversicherung deckt möglicherweise nicht alle Kosten für die Reparatur Ihres Autos nach einem Unfall, insbesondere wenn Ihr Auto ‚alt‘ ist und einer Abwertung unterliegt. Erfahren Sie, wie die Schadenshöhe im Falle eines Unfalls berechnet wird

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Many car owners take out motor third party liability insurance, believing that in the event of an accident, the insurance company will fully cover the costs of restoring the car. However, in practice, compensation can differ significantly from the actual repair costs. We'll tell you how MTPL payments are formed, how much you can really expect to receive given the old rules, and what has changed in this matter since the beginning of 2025.

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What compensation does MTPL offer?

During the year, you can use your MTPL policy as many times as you have insured events.

At the same time, the amounts of compensation in the event of an accident are established by Ukrainian law. They are as follows:

▪️ For contracts concluded in 2024, the following limits are set: for property damage - UAH 160,000, for damage to life and health - UAH 320,000.

▪️ Starting from 1 January 2025, the limits will increase: the maximum amount of payments for property will be UAH 1,250,000 (up to UAH 250,000 per victim), and for damage to life and health - UAH 5 million (up to UAH 500,000 per victim).

If there are several parties to a road traffic accident, their insurance companies will jointly cover the costs of compensation.

Please note that under insurance contracts concluded in 2024, the amount of insurance indemnity is determined on the basis of an expert assessment or in agreement with the victim. In this case, the cost of spare parts to be replaced is reduced by the coefficient of physical wear and tear depending on the age of the car and its operating conditions. If the payment is made directly to the victim, the insurance company withholds the VAT amount. However, you can get a VAT refund after the repair at a service station by submitting supporting financial documents.

What is the wear and tear factor in CTP insurance?

The depreciation factor is an indicator that reflects the decrease in the value of a vehicle and its spare parts due to their ageing and use. Over time, car parts wear out, losing their original characteristics, which reduces their value. When calculating the amount of compensation, insurance companies apply this coefficient, which is why insurance payments may be significantly lower than the actual cost of restoration.

To calculate compensation for motor third party liability insurance, insurance companies use a formula in which the depreciation factor shows the percentage of loss of value of the damaged part. For example, if the coefficient is 0.7, it means that the insurance company will cover only 30% of the cost of replacing the part.

When is the depreciation factor applied?

The depreciation factor starts to apply if your car meets one or more conditions:

▪️ Cars from the CIS countries - over 5 years old, manufactured in the countries of the former USSR.

▪️ Cars made abroad - over 7 years old.

▪️ Trucks, trailers, buses - over 3 or 4 years old, depending on the country of manufacture.

▪️ The car is actively used (the mileage exceeds the normative mileage twice) or works as a taxi.

▪️ Corrosion is visible on the body, significant repair work has been carried out.

▪️ Motorcycles older than 5 years.

▪️ If the car is older than 12 years, the wear and tear coefficient is a maximum of 0.7. The older the car and the more damage it has, the lower the compensation will be.

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How is the depreciation factor calculated?

If the depreciation coefficient (Kz) is not equal to 0 or 0.7, it is calculated using the formula: Kd = 1 - Cp / Cn, where Cp is the current market sale price of an undamaged car, and Cn is the price of the same new car.

To calculate the percentage of compensation that will not be paid, multiply Cp by 100%. For example, 1 - 300,000/500,000 = 0.6*100 = 60%.

How does the depreciation factor affect compensation?

To calculate the amount of compensation for the damaged car (X), you need to know the depreciation factor (Df), the cost of repairs (A), materials (B) and the spare parts themselves (C).

If the restoration of the car, taking into account all losses of value (both the car as a whole and the wear and tear of parts) is equal to or higher than the market value of the vehicle, or the vehicle falls under the conditions for the application of the Kz, then the calculation is made according to the formula: A+B+C*(1-Kz) = X.

The example looks like this: 7000+10000+50 000*(1 - 0.7) = UAH 32,000.

At the same time, if we are talking about new vehicles (for example, cars less than 5 years old and 7 years old, produced in the CIS and other countries, respectively), the following formula is used: X = A+B+C*(1-Kz)+VB, where VR is the loss of value, the amount of which shows how much the value of the restored car has decreased compared to the market price of an undamaged vehicle. This is an indicator of ‘moral wear and tear’ during operation.

The size of the VR is calculated by the formula: DD = Z/100* (Cp+(A+B+C)), where Z is the loss of market value coefficient (determined by the Methodology depending on the life of the car in months, the ratio of the cost of restoration to the market value, and the ratio of the cost of repair work to the sum of the cost of replacement parts and materials).

Experts use the data from the Methodology's tables to determine the average market price of a car in each specific region, adjusting the value depending on mileage and service life, and the conditions of the car. They take into account the number of people involved in the accident, the number of injured people, the cost of transporting them from the accident site, and much more. Each specific insurance case has different rules and exceptions to them for determining the depreciation factor.

It is worth noting that a motor third party liability insurance policy is mandatory for all vehicles registered in Ukraine. It takes a few minutes to apply for this insurance on the Visit Ukraine portal.

The depreciation factor will not work from 2025

While the wear and tear coefficient is valid for insurance policies issued in 2024, the new rules will cancel the coefficient from 2025, which also provides qualitatively different protection of the driver's interests.

The new law has rectified the situation with wear and tear: now, according to its provisions, the insurer will provide repairs to a damaged car at a service station, meaning that a person will receive a repaired car.

Speaking about improving the level of driver protection, we cannot but mention the increase in the insurer's liability limits to UAH 250 thousand, including under the European protocol. This also makes life much easier for drivers, as now they do not have to wait for the police in the event of an accident: if the conditions for issuing the European protocol are met, they can use this mechanism. Another important advantage of the new law aimed at improving driver protection is the zero deductible: in the event of an accident, the insurer covers all losses up to the limit, so the culprit does not have to pay anything out of pocket.

How MTPL insurance payments are made

Starting in 2025, payments are made directly to the service station, which the victim chooses from the list offered by the insurance company. In this case, the payment is made in full, excluding physical wear and tear and VAT. If the victim refuses this mechanism and wants to receive money on his or her own account, the compensation is calculated according to a standard formula and reduced by the amount of VAT.

The insurance company also covers the cost of a tow truck if it is necessary to transport the car after an accident. If the vehicle is declared totaled, the difference between its market value before the accident and the residual value after the accident, determined through an auction or expert evaluation, is subject to compensation.

Advantages of taking out MTPL insurance on Visit Ukraine

- Fair market rates that guarantee payments.

- Unified pricing policy with service station partners, which guarantees the restoration of the victim's car.

- One of the best Contact Centres in Ukraine providing information support.

- One of the best settlements in Ukraine, which guarantees protection of the Insured's/Insured's budget.

Don't waste your time searching - choose MTPL insurance from Visit Ukraine!

Our service allows you to quickly compare offers from leading insurance companies in Ukraine, find the most favourable offer without overpayments and apply for a policy online. You will instantly receive an electronic insurance policy that will always be at hand. Apply for a policy in a few clicks and hit the road with confidence.

Choose your policy and protect yourself from unforeseen situations today!

We remind you! Motor third party liability insurance is not just a formality, but an important financial protection for the driver and other road users. To find the best insurance policy, you should use online price comparison services. Find out more about how to get the best deal without overpayments and unnecessary hassle.

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