Motor third-party liability insurance or Hull insurance: how to choose protection that really works?

Car insurance is not just a formality, but a way to protect yourself from serious financial losses. The choice between third-party liability insurance and Hull insurance can significantly affect your peace of mind and budget. Learn more about the advantages of each option and how to find the ideal balance for protecting your car

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Choosing insurance is like choosing armour for your car. Some people get by with the minimum, while others want to be prepared for any scenario. In this article, we will look at two main options: compulsory motor third-party liability insurance and voluntary Hull insurance.

So, how can you navigate insurance terms and choose the best option for you? We'll tell you more in this article.

Protect yourself and your wallet from fines and unforeseen expenses!

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

MTPL insurance: compulsory car insurance in Ukraine

MTPL (compulsory civil liability insurance) is the minimum requirement for driving in Ukraine. It does not protect your car directly, but compensates for damage you may cause to other people in the event of an accident: repair of their car, treatment of injuries, etc. This policy is like a liability tax: if you don't pay, you get a fine.

Voluntary Hull insurance

Hull insurance is a completely different philosophy. It is about protecting your car, regardless of whether you are at fault or not. Hull insurance can cover everything from parking scratches to complete destruction of your car in a storm or fire. But its main drawback is the price. A Hull insurance policy can cost several tens of thousands of hryvnias per year.

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Mini Hull insurance: the golden mean for practical drivers

If you want basic protection but are not ready to spend money on premium insurance, take a look at Mini Hull insurance. This format is quite popular among drivers, especially during the war, when the need for protection has increased.

Three Mini Hull insurance packages are available on the Visit Ukraine portal:

– Economy: compensation for damages in the event of an accident involving another car;

– Basic: coverage of damages in the event of an accident with another vehicle and compensation in the event of total destruction of the car due to natural disasters;

– Maximum + war risks: includes Economy and Basic packages and additionally covers passive war risks and tow truck services.

The advantage of Mini Hull insurance is its optimal balance between cost and coverage. You don't overpay for anything unnecessary, but at the same time you get real protection in critical situations.

You can take out a Mini Hull insurance policy on the Visit Ukraine portal in just a few minutes.

What to choose: motor third-party liability insurance or Hull insurance?

– Motor third-party liability insurance only if you are confident in your driving skills, drive infrequently or have a budget car.

– Third-party liability insurance + Mini Hull insurance if you want to protect yourself from unexpected expenses without serious financial investments.

– Full Hull insurance if you have a new car, a loan or want to be as protected as possible.

Get your motor vehicle insurance quickly and conveniently on the Visit Ukraine portal!

Protect yourself on the road — get compulsory motor third party liability insurance (MTPL) in minutes. Simple online procedure, official policies and favourable terms.

Get motor third party liability insurance now and drive with confidence!

Reminder! You can quickly and easily check whether your car insurance policy is valid on the MTIBU website. This is an important step for all drivers, allowing you to avoid unpleasant situations on the road and possible fines. Step-by-step instructions on how to check the validity of your motor third-party liability insurance policy and its expiry date via the MTIBU can be found at the link.

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