CMTPL-Versicherungsleistungen: neue Beträge ab 2025

Eine neue Version des Gesetzes ‚Über die obligatorische Versicherung der zivilrechtlichen Haftung von Eigentümern von Landfahrzeugen‘ tritt am 1. Januar 2025 in Kraft. Die neue Version des Gesetzes wird insbesondere die Beträge der Versicherungszahlungen ändern

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Starting from 2025, new limits on insurance payments under the CMTPL insurance system will be introduced in Ukraine. These changes are aimed at improving the protection of victims of road traffic accidents and adapting the insurance system to economic realities.

New limits of insurance payments from 2025

Starting from 1 January 2025, the maximum amounts that insurance companies can compensate to victims of road accidents will increase:

🔻 Property damage: up to UAH 250 thousand per victim (UAH 1.25 million per insured event).

🔻 Damage to health and life: up to UAH 500 thousand per victim (UAH 5 million per insured event).

The new limits apply only to policies taken out from 1 January 2025. If an accident occurs in 2025, but the policy was issued in December 2024, payments will be made according to the old limits (UAH 160 thousand for car and UAH 320 thousand for health).

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The next stage of changes is 2026

From 1 January 2026 (subject to the cancellation of martial law), the payment limits will be increased again:

🔻 Damage to health and life: up to UAH 1 million per victim and UAH 20 million per insured event.

🔻 Property damage: the limit per victim will be removed, but the total amount will not exceed UAH 2 million per insured event.

These changes will allow the CMTPL to meet the standards of the European Union, which is especially important in the context of Ukraine's planned accession to the EU.

Why are insurance limits being raised?

According to Alexander Bernazyuk, CEO of MTIBU, the increase is due to several factors: rising prices for car repairs, an increase in the frequency of insurance claims, and future integration into the EU.

When Ukraine joins the European Union, the insurance system must comply with European standards, including the amount of insurance payments.

How to prepare for the changes?

To be sure of their protection on the road, motorists are advised to renew their MTPL policy in 2025 to take advantage of the increased limits of payments.

You can take out MTPL insurance at the new insurance rates on the Visit Ukraine portal.

We remind you! In 2025, changes are expected to be introduced to strengthen the protection of all road users. Although the cost of MTPL insurance will increase slightly, vehicle owners will receive much better insurance coverage and convenient service. We told you how the insurance conditions will change in 2024, how much the policy will rise in price and how to buy a motor third party liability insurance policy at the old price.

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