How to Insure Your Car: A Guide for the Modern Driver

Car insurance in Ukraine is not only a legal requirement but also a financial safety cushion in case of unforeseen situations on the road. Every vehicle owner should know the difference between the mandatory policy and additional coverage to choose the best option for their budget and peace of mind. In addition, to make your car more stylish and efficient, we recommend using tuning accessories, a wide range of which can be found in our product catalog.

Types of car insurance

Before completing the paperwork, it’s important to understand the types of insurance products:

• Third-party liability insurance (OSCPV): A mandatory policy that covers damage you cause to third parties (their property or health). Driving without a valid OSCPV policy results in administrative liability.
• DCL (Additional civil liability): Allows you to increase the payout limits of OSCPV. This is useful in large cities where the cost of repairing modern cars may exceed standard state limits.
• CASCO: Voluntary insurance for your car against theft, damage in an accident, natural disasters, or vandalism, regardless of who is at fault.

How to get insurance online?

Thanks to digitalization, you can insure your car in just 5 minutes using your smartphone:

1. Select an aggregator or insurance website: Compare offers by price and company reliability rating.
2. Enter the data: Car number or VIN code, owner’s registration location, year of manufacture, and engine capacity.
3. Pay for the policy: After paying by card, the electronic document will be sent to your email and automatically appear in the «Diia» app.

What to pay attention to?

When choosing, pay attention to the deductible — the amount you pay yourself in case of an insurance event. The smaller the deductible, the more expensive the policy, but the higher the payout from the company. Also, check for the «Direct settlement» service, which allows you to contact your own insurer even if you are the affected party.