Every month, hotline.finance sees an increase in customers interested in e-policies. Moreover, if initially people were wary of online insurance, now the opinion of car owners has made a 180-degree turn. Electronic auto liability insurance is increasingly found in drivers' smartphones, because this policy option is always at hand. Quick processing and convenient storage are its main advantages.

What is MTPL and how much does it cost?

MTPL is an internal compulsory insurance contract that protects the financial liability of the policyholder to third parties. In simple terms: the insurer will pay for car repairs and treatment of the injured party if you are found to be the culprit of an accident. The insurance does not cover your own damage (this mission is assigned to the CASCO policy). MTPL limits are regulated by law and currently amount to:

  • for property — UAH 130,000;
  • for health — UAH 260,000.

The question that interests most drivers is how much do you need to pay for a policy? The pricing is calculated individually and depends on the data of the car and the owner. The deductible (which can reach UAH 3,000) plays a significant role in pricing. This is the amount that the owner must cover independently when an insured event occurs. The presence of such a clause makes the policy cheaper but makes the driver's budget more vulnerable to the consequences of an accident. The client must decide for themselves whether it makes sense to save a few dozen hryvnias in favor of a few thousand.

How to choose a reliable insurer

The hotline.finance aggregator notes that the high cost of insurance is not the main criterion for providing quality services. First of all, you need to look at the offered options and the insurer's indicators in terms of: payout speed, overall rating, claims handling quality, and complaint level. This information can be found on the website when choosing a policy.

The hotline.finance service does not seek to advertise insurers. There is simply no point in that. The main task is to give customers the opportunity to compare insurance products, choose the optimal policy, and make a safe purchase online.

Hotline.finance about the comfort of the e-policy

Perhaps the only things a person always lacks are time and money. With electronic insurance, drivers save both. First, now there is no need to go to the insurer's office — the purchase has been moved online. The process works as follows: compare - choose - pay - receive the policy by email. Second, the price of electronic MTPL is at least 10% lower (a special discount in the tariff established by law). And the total savings on purchasing a policy through the comparison site can reach 40%. This is due to the absence of additional costs for office rent and agent fees. But the most important thing that aggregators provide is the ability to comfortably choose offers from different companies or, moreover, different products from the insurer you trust.

Storing an e-policy is as easy as getting one. Auto liability insurance is always available by email, on the "Diia" service, and in the hotline.finance app. It should be noted that the hotline.finance app is, in a way, a wallet for insurance. Any electronic policy issued on the site automatically goes to your account.

And with the promo code AUTOPORTAL, you can get a UAH 50 discount on all electronic policies. This can be not only MTPL, but also travel insurance, DGO (a policy that increases the car owner's liability limit), and home insurance contracts.

We would also like to note that since April, hotline.finance has announced the sale of CASCO with a discount of up to 10%.