Insurance in Ukraine

Insurance of third party liability in Ukraine started a half years later, Russia – from January 1, 2005. The familiar acronym CTP where we replaced OSGPO (compulsory insurance of civil liability), but in fact these two types of insurance are almost identical. However, there are some very interesting features.

Types of policies

For example, in Ukraine there are three types of policy OSGPO:

Option 1. In the policy clearly spelled out the specific vehicle to which this policy is issued. Manage as they can be anyone, as long as he did so on legal grounds (ie, had a valid driver's license appropriate category).

Option 2. The most interesting scheme by which the policy is issued a specific policyholder (ie, driving under the policy can only be one), but in a completely any given category of vehicles. For example, a policy issued to Y. Tymoshenko, a category of machines – B. This means that the liability Tymoshenko to third parties insured under the management of any passenger car.

Option 3. Similar to the majority of Russian policies CTP. In the policy defined by a specific vehicle and the concrete is a list of drivers whose liability is insured in accordance with this agreement.

It should be noted that for the latter, the third option of compulsory insurance in Ukraine, where there is a preferential modification – for pensioners and disabled second group will receive a discount of 50% (only for cars with engine capacity less than or equal to 1600 cubic meters. See). Of course, it is much easier than in the same in Russia, where the disabled person must first buy a policy for the full cost, and then contact the housing office for the compensation of half the insurance premium.

Insurance amounts to OSGPO

- For damage to life and health – 51 000 hryvnia (about 186,600 rubles. At the exchange rate in January 2010, ie 160,000 more Russian rubles.)

љ- For damage to property – 25 500 hryvnia (93 300 rubles., Less than 120 000 Russian rubles.) Per victim (but not more than five times the size of this sum, if the victim more than five people – the amount is reduced proportionately);

- Deductible of $ 510 hryvnia (1865 rub.) – Applies only when the damage caused to property. We know of many Russian motorists that fact will surprise to the extreme. Like, like this – CTP – but still with the franchise? In fact, all this is logical from the point of view that insurance should behave responsibly, not only on the insurer payments – but the policyholder when handling the vehicle. Knowing that in any way with any amount he would have to leave (not including repair your own car), such a person will behave on the road is much neater.

It is a curious thing – the possibility of insurer to unilaterally terminate the contract in OSGPO if the total amount of insurance payments for a specific contract has exceeded the limit of 76,500 hryvnia (51 000 25 500). That is, it turns out that the sum insured for the "Ukrainian CTP" – aggregate – to reach a certain ceiling of the contract payments while not terminated automatically, but may be terminated by the insurer.

On 01.01.2005, no car on the territory of Ukraine can not travel without OSGPO policy. The identification mark for law enforcement officers – the presence of a sticker on the windshield. When a missing or invalid insurance will pay the offender, however, quite a funny penalty – 8.5 UAH. up to 17 UAH. (31 – 62 rubles), which, however, the site will not be able to pay – only through the bank.