Discount up to -16% on car insurance! Catch this great offer until 15.10.2025. 👉 Buy online quickly and without overpayments.
ATTENTION! At 00:00 the MTIBU database will be updated. Please start concluding the contract after 00:00
The war in Ukraine has been going on for over a year and a half. All this time, Ukrainians have been learning to live in conditions of increased risks to life, health, and property (movable and immovable), as shelling from Russia continues unabated. Our citizens are also traveling abroad, in particular in their own cars, since Ukrainians still have the opportunity to obtain temporary protection in the European Union, Great Britain, Canada, the USA, and other countries. How does all this relate to insurance and how does martial law change it?
When it comes to insurance during martial law, insurance companies and their clients face additional difficulties when applying for insurance. For example, not all physical offices are open (as they were before the full-scale invasion) or not all policyholders are able to get to the right point to apply for a paper policy. Digitalization came to our rescue here: over the past year, according to the observations of the insurance service Parasol.ua, Ukrainians have increasingly begun to prefer online insurance.
For example, according to the MTIBU, in January-June 2023, over 2.3 million cars were purchased electronically, which is 29% more than last year.
The advantages of e-insurance are obvious:
The main question is what can be insured against when martial law is in effect, and is it advisable to do so?
First of all, let us emphasize that martial law does not suspend the law on civil motor insurance, which means that every law-abiding driver who drives on Ukrainian roads must have a valid OSCPO policy.
On the website of the insurance service Parasol.ua, you can enter the parameters of your car and see offers from insurance companies for civil motor insurance, including discounts and the ability to immediately additionally expand the insurance limit for property.
Please note that OSCPO has an exhaustive list of insurance policies cases that do not include military risks. Also, the contract will not be valid in temporarily occupied or other territories where Ukrainian state bodies do not work. At the same time, in the regions controlled by Ukraine, the policy is fully valid in standard road accidents. Therefore, even during martial law, there is a need to purchase it.
The same applies to the case when the driver plans to cross the Ukrainian border in his own car. Be sure to apply for a "Green Card" - an international analogue of a civil car. First, the availability of this policy is checked by border guards, and secondly, for driving abroad without a Green Card you risk a considerable fine and even confiscation of the vehicle. Believe me, refugee status will not save you here.
If you are going to travel outside Ukraine or are already in another country, in the context of insurance, you should think about medical services, including assistance in case of coronavirus infection.
Currently, many of our citizens who have been abroad for a long time are telling many stories about local medicine, unfortunately, with a negative context. The list of main complaints includes:
Travel insurance will help to avoid such situations. On the Parasol.ua insurance service, you can choose the optimal program for yourself and your loved ones based on the necessary parameters. There are also offers from insurance companies that are ready to compensate for the costs associated with treatment of COVID-19. Stay protected, even far from home.
Those who remain in Ukraine should also think about their own health, especially now, when we are affected by constant stress. Applying for voluntary medical insurance (VMI) will allow you to shift everything related to proper treatment to the insurer. This policy includes all types of medical care with coverage of expenses ranging from 75,000 to 150,000 UAH.
You don't need to think about doctor's appointments, availability of medicines at the pharmacy, and whether you have enough money for medical services. The insurer will take care of this. The minimum VHI package costs 1,200 UAH per year, which is 3.28 UAH per day. Expensive? Your health is definitely worth more!
Take care of yourself and choose the right insurance services, because insurance remains as necessary as before, even during war.
Where to insure a car against shelling and missiles during war | Parasol.ua Blog
Top insurance market trends for 2023 | Parasol.ua Blog
