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What is the difference between a CTP and a Green Card and what kind of insurance do you need? It all depends on the situation and the type of trip. Let's break down when you need which insurance and how to choose each of them. In this article, we will answer the following questions:
ОСТСПВ or, as it is commonly called, «autocivilka» — is a policy that insures the liability of the car owner. This policy is needed to financially protect the driver in the event of an accident.
Example: A client who insured his liability becomes a participant in an accident. It turns out that the accident was his fault. Instead of paying the injured party a large sum of money, he uses his insurance. The insurance company compensates for damage to a third party who suffered due to the client's fault.
This is state insurance and it is mandatory for every car owner. If you do not issue a CTPV on time - you will have to pay a fine. But the amount of the fine is minimal and insuring liability - in the interests of the driver himself. After all, he will have to pay for it out of his own pocket if someone else's car is damaged in an accident.
There is a coverage limit. In 2019, this is: 130 thousand hryvnias for compensation for property damage and up to 260 thousand hryvnias - for damage to life and health.
The limit can be expanded. The additional "Voluntary Auto Insurance" will help expand the limit to 250 thousand hryvnias for compensation for health damage. You can choose to increase the amount of property damage coverage. Up to 350, 650 or 950 thousand hryvnias.
Can be applied for online. This type of insurance can always be obtained electronically. This format has a number of advantages. It's fast and convenient, there's always an electronic version at hand if the paper sample is lost. You can quickly check the authenticity and relevance of the insurance in the database.
What does the cost depend on? The cost of the MTPL depends on several factors, such as: the type of vehicle, the year of manufacture and its condition. The term of the policy, the deductible amount and the amount of the coverage limit. As well as the driving experience.
The Green Card, like the MTPL, is a mandatory document. This is liability insurance for the car owner, which is valid in the territory covered by the Green Card system. It includes all European Union countries, Eastern countries and Ukraine. That is, everywhere that can be reached by car from the territory of Ukraine, the Green Card is valid.
In general — The Green Card is intended for the same functions as the OSCPV. If the client — the culprit of the accident in another country, the damage is covered by the Motor Transport Insurance Bureau of Ukraine.
The cost of the Green Card depends on the validity period, type of vehicle, and also on the countries you plan to travel to.
Both documents are mandatory: without a Green Card you will not be allowed to go abroad, and without an OSCPV you cannot drive in Ukraine. But, while the Green Card is valid in other countries - it does not apply to the country where the car is registered. With OSCPV, on the contrary: it is valid only within Ukraine, but not in other countries.
Do OSCPV and Green Card protect the insurance holder and his car?
No, both insurances do not compensate for damage to the client's vehicle. If the accident occurred due to the fault of another driver - his insurance covers the damage. If the client is the culprit of the accident - then he repairs his car himself.
To insure your vehicle against damage in such a case - you need a separate policy, namely CASCO. It is valid within Ukraine, but you can always order a short-term service and extend the policy to other countries.
All three types of insurance are different, but each of them is part of safe driving and protects the driver in different situations.
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