The "Electronic Policy" system, which makes it possible to obtain the most popular type of insurance — compulsory third-party liability insurance (OSGPO) — via the internet, has been operating in our country for a long time.

Why choose an online MTPL policy

More than 100,000 Ukrainian drivers already use electronic policies. They all unanimously say they do not want to return to traditional paper contracts. After all, online service:

  • Saves time and effort. There is no longer any need to stand in queues, wait for an insurance company representative to enter data into the form (or fill it out yourself), or look for an office on the last day of the policy's validity. You can submit an application for electronic insurance at any time: even at night, even on a holiday, without leaving home.
  • Provides protection against dishonest individuals. In Kyiv alone, the share of fake MTPL policies exceeds 10% of all documents sold. Applying through the website of a reliable company reduces the risk of getting a counterfeit to zero.
  • Eliminates the possibility of accidental damage to the document. Paper can tear, get wet, or wear out. The electronic version always remains intact, even if the phone from which it was purchased breaks down.

Large insurers, in addition to compulsory insurance, also offer useful additional products. For example, the company "ASKO DS" provides programs such as "DGO+", "Econom DTP", and others. In a number of situations, voluntary insurance can significantly ease the financial burden on the policyholder. When purchasing MTPL online, the user can calmly study all additional options and decide what they really need.

Brief reference

Let us remind you that the policy is mandatory for every driver in Ukraine according to Law 1961-IV. If during an inspection patrol officers do not find it, the vehicle owner faces a fine. The only legal basis for not having OSGPO is the presence of a "Green Card". In all other cases, "auto civil liability" insurance is mandatory.

Under current rules, it guarantees drivers who suffer in an accident not through their own fault compensation for damage in the following amounts:

  • Up to 100 thousand hryvnias — for damage to property (vehicle);
  • Up to 200 thousand hryvnias — for harm to the health and life of the driver and passengers.

Since 2011, Ukraine has had a procedure for registering an insured event under "auto civil liability" insurance using the European accident report, that is, without the presence of police. And since October 2017, such a report can also be filled out online. The amount of compensation under it cannot exceed 50 thousand hryvnias, regardless of the method of registration.

What the policy price consists of

In accordance with established norms, the cost of compulsory insurance when visiting an office in person or through the company's website is calculated based on:

  • engine displacement of the car;
  • class, make, and model of the vehicle;
  • driving experience;
  • place of registration of the car;
  • purposes of using the car (personal or commercial);
  • term of the insurance contract.

How to work with the online calculator

To obtain an electronic policy, you can calculate the cost yourself. On the insurer's website, there is a simple calculator form for this. Just fill in all the fields, following the prompts. The calculation will take no more than 10 seconds, after which you can safely press the "apply" button.

How to choose an insurance company for e-MTPL

OSGPO is a legal requirement for all motorists, so tariffs for it are set by the state. However, this does not mean that you can enter into a contract with the first company that offers online registration.

Firstly, legally, only just over 30 insurance organizations that are members of the MTIBU have this right. Secondly, a uniform price does not mean the same approach to settling insured events for everyone.

The main condition for successful insurance of civil liability of vehicle owners is the reliability of the chosen company. If this is met, the insured person gets all the advantages: short payment terms, the ability to resolve the issue without court, sufficient compensation for restoring property, and so on.

The company "ASKO DS" serves as an example of the right choice of partner. It openly publishes its financial indicators because its work is truly beneficial to clients. On average, from filing an application to receiving money, 57 days pass. All insured events are settled without going to court. Added to this is the reputation of a reliable market participant and numerous confirmations that the company fully fulfills its obligations.