What happens if you are stopped by the police without car insurance?

Driving a car without valid motor insurance can have serious financial consequences. Learn more about the liability for not having a policy, the penalties, the risks in the event of an accident, and the advantages of mini-CASCO as additional protection for your car

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Imagine a familiar situation: you get behind the wheel, rushing to run errands, and... you are stopped by the police. Everything seems fine: your seatbelt is fastened, you have your documents with you. But it turns out that your car insurance has expired. “No big deal,” you say? In fact, it's quite the opposite.

In Ukraine, compulsory car insurance is not just a formality, but a legal obligation for every driver. Failure to comply can be costly — not only in fines, but also in the loss of tens of thousands of hryvnia in the event of an accident.

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

Who is required to have car insurance?

According to the Law of Ukraine “On Compulsory Insurance of Civil Liability of Owners of Land Vehicles,” every owner or driver of a vehicle participating in road traffic must have car insurance.

Simply put, if you are behind the wheel, you must have insurance. This rule applies regardless of the type of vehicle (car, motorcycle, truck) and the driver's experience.

What does the police do if you don't have insurance?

The modern police can easily check the validity of your policy in the MTIBU electronic database — you no longer need to show a printout. But if Ukraine cannot find any data on your valid car insurance, this is grounds for an administrative report.

What awaits a driver without car insurance:

- an administrative fine of 850 UAH (Article 126 of the Code of Administrative Offenses);

- possible temporary impoundment of the car;

- drawing up a report on the violation.

📌 To avoid trouble, it is worth getting car insurance in advance. You can do this online through the Visit Ukraine service — no queues and in just 5 minutes. Simply select the package you need, enter your details, and receive your policy by email immediately.

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What to do if you have an accident without car insurance?

One of the worst scenarios is an accident without a valid policy. In this case:

you will not receive any compensation, even if you are not at fault;

all expenses will be borne by you, from car repairs to payments to victims;

you may face lawsuits, penalties, and additional expenses for lawyers.

If you are found to be at fault for the accident, be prepared to pay full compensation for material and moral damage to the victims.

Even if you have car insurance, it will not cover your own losses. That is why many drivers choose mini-CASCO as a safety net for themselves and their cars.

How does mini-CASCO differ from car insurance?

Mini CASCO is convenient when you want additional protection but are not ready to purchase full CASCO. It covers damages, for example, in the event of a collision, vandalism, or natural disaster.

How and where can I quickly get car insurance online?

Getting car insurance online is now standard. You can buy car insurance or mini CASCO in a few minutes from any device.

What you need:

car details (number, VIN code, year of manufacture);

owner's passport details;

specify the term of validity (usually 1 year);

select an insurance package and company.

The entire procedure takes up to 5 minutes.

Payment is made by card, and the policy is sent immediately to your email.

The policy is officially valid and available in the MTIBU database.

You can buy car insurance or mini-CASCO right now on Visit Ukraine — choose the package that suits you best and get insurance coverage in a few minutes.

Driving without car insurance is not a minor violation, but a serious risk to your wallet and peace of mind. Civil liability insurance is not just compliance with the law, but real financial security on the road.

Don't put it off — protect yourself and your car now.

Reminder! Motor third party liability insurance (OSAGO) and Mini Casco are Ukrainian insurance policies that cover risks on the roads. Learn more about the difference between insurance policies and the differences in compensation in the event of a traffic accident.

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