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To order a service from a specialist — you need to understand a little about what you are buying. This applies to different areas of life, including insurance. Study the information on the formation of the price of the policy — and you will be able to get the necessary document and not overpay for it. Let's take a look at it in turn:
A motor vehicle insurance does not insure the policyholder's car, but his liability. This document must be drawn up by every Ukrainian vehicle owner. In the event of a possible accident, there will be no situation where the culprit cannot compensate the victim for the repair of the car. This obligation is assumed by the insurance company.
Roughly speaking, the client transfers financial responsibility to the company by purchasing this policy. The company, for its part, undertakes to compensate for damage in the event of an accident caused by the client. But there is a limit to the amount that the company must pay. This is 200 thousand hryvnias in compensation for health damage and 100 thousand hryvnias for property damage.
50% is deducted from the total cost of the OSCPV for such categories of clients as: pensioners, disabled people of group II. War participants, holders of Chernobyl certificates of categories I and II.
There are also cases when the OSCPV does not need to be issued at all. According to the law, the following are exempt from this requirement: disabled people of group I (who personally drive transport), combatants, and war invalids. This preferential category is not liable in a traffic accident, and the damage to the injured party is compensated by the Motor Transport Insurance Bureau of Ukraine.
The limit for compensation for damage to the car may not be enough. Especially if you drive a car in a big city where there are many foreign cars. There is a chance that you will be the culprit of an accident and cause damage to an expensive car. In this case, 100 thousand for repairs may not be enough. This means that the client must pay the missing amount on their own.
To prevent this from happening, you need to expand the insurance limit. This is not just an additional option, but a separate document and the cost of it is calculated separately. At the same time, the factors on which the amount of additional insurance depends are the same as in the OSCPV.
Additional voluntary Autocivilka allows you to expand the limit for repair reimbursement from 100 to 250, 500 or 850 thousand hryvnias. The cost of registration also depends on the selected amount.
Simply attach voluntary insurance to the mandatory one, and in the event of an accident, you can use it. If the repair of the damaged car costs 170 thousand hryvnias, then 100 thousand will be reimbursed by OSCPV, and the remaining 70 thousand — this additional policy.
It will be cheaper to apply for insurance online. This procedure takes up to 20 minutes, you need to have documents with you, after payment you can receive an electronic policy to your mail.
After purchasing insurance, immediately check the policy number on the official website of the MTIBU. This way you can make sure that you did everything correctly and the car is insured.
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