Checking an insurance policy is an important step both for car owners and for those who are going to buy a used car. In Ukraine, having an OSAGO insurance policy is a mandatory legal requirement, while CASCO is voluntary but no less useful type of protection. Below we will analyze how to find out whether a car is insured under OSAGO or CASCO, where you can check the data online, and what to pay attention to when buying a car or in case of an accident.

1. Why check whether a car is insured

Checking an insurance policy helps:
  • make sure that your car has a valid OSAGO policy;
  • find out whether the car at fault in an accident is insured;
  • verify the authenticity of the policy when buying a used car;
  • avoid fraud with fake insurance documents.
Since the fine for not having OSAGO can be up to 850 UAH, and in case of an accident you will have to pay for repairs yourself, it is important to make sure in time that the policy actually exists and is active.

2. How to find out whether a car is insured under OSAGO

In Ukraine, there is a single centralized database of the MTSBU (Motor Transport Insurance Bureau of Ukraine), which stores data on all issued compulsory civil liability insurance policies (OSAGO). You can check whether a car is insured under OSAGO in several ways:

2.1. Through the official MTSBU website

  1. Go to the website https://www.mtsbu.ua.
  2. In the “Policy check” section, select “By license plate number”.
  3. Enter the vehicle license plate number and the date for which you want to check the insurance validity.
  4. Click “Check”.
After the request, the system will show:
  • OSAGO policy number;
  • start and end dates of the insurance;
  • name of the insurance company;
  • policy status (active, expired, or terminated).
? Important: data is updated daily, so the information is current and reliable.

2.2. By policy number

If you have the insurance policy itself (for example, in case of an accident), you can check its authenticity.
  1. On the MTSBU website, select the “By policy number” tab.
  2. Enter the series and number of the OSAGO policy.
  3. Get data on the validity of the policy and the insurance company.
This method is especially useful if you suspect that the document may be fake.

3. How to find out whether a car is insured under CASCO

CASCO is a voluntary type of insurance, so there is no single database, unlike OSAGO. However, you can check the availability of CASCO in the following ways:

3.1. Check with the owner

If you are buying a used car, ask to see the CASCO insurance policy. It is important to make sure that the document is issued for this particular car and is not expired.

3.2. Contact the insurance company

If you know where the owner took out the insurance, you can contact the insurance company directly. Usually, it is enough to provide the car's license plate number or the owner's last name.

3.3. Check through a broker or aggregator

Some insurance aggregators (for example, hotline.finance, strahovka.ua, polis.ua) allow registered users to obtain information about active insurance contracts.

4. How to check insurance in case of an accident

If you are involved in an accident and want to find out whether the other party has a valid OSAGO policy, you can:
  1. Go to the MTSBU website;
  2. Enter the license plate number of the opponent's car;
  3. Check whether there is insurance and which insurance company is responsible for this policy.
If there is a valid policy, you can immediately file an electronic European accident report through the Diia app or the MTSBU website, if there are no injuries in the accident.

5. What to do if there is no insurance

If the system shows that the car is not insured under OSAGO, the owner faces fines and financial risks. In case of an accident:
  • all costs for repairs and compensation to victims will fall on the driver without insurance;
  • MTSBU may compensate losses to victims, but then will recover the entire amount from the at-fault party through court.
If you find out that your policy is not displayed in the database, you should:
  1. Contact your insurance company and clarify the reason;
  2. Check whether the car data in the policy is entered correctly;
  3. If necessary, reissue the policy.

6. Useful tips

  • Always keep an electronic copy of your OSAGO policy on your phone.
  • Check your insurance before traveling abroad - it does not work outside Ukraine unless you have a “Green Card”.
  • When buying a used car, be sure to check the validity of OSAGO and the availability of CASCO.
  • Keep track of the insurance expiration dates - it is worth renewing OSAGO at least 3-5 days before it expires.

Conclusion

You can check whether a car is insured in Ukraine in a couple of minutes through the official MTSBU website. To do this, you just need to know the license plate number or policy number. OSAGO is mandatory insurance that every driver must have, and CASCO is additional protection that is worth getting for your own peace of mind. Regularly checking your insurance will help you avoid fines and protect your financial interests in case of an accident.