15% discount on MTPL for cars — grab the promo code

ARSENAL15

15% discount
on MTPL Insurance for cars!

ARSENAL15

Valid only until December 31

Apply Promo Code

Inclusive Branches 📍️ Branch Map

Налаштування доступності

Скинути

Розмір шрифту Аа Аа Аа

Колірна схема: Звичайна Біло-чорна

Чорно-біла

Бежева

Зробіть кілька простих кроків, і ми вже з вами на зв'язку!

1. Завантажте додаток WordCraft для свого пристрою та пройдіть реєстрацію.
2. Відскануйте QR-код через додаток WordCraft (відкривши «Налаштування»), і дзвінок з перекладачем та представником компанії почнеться автоматично.

Завантажити на App Store

Завантажити на Play Market

Eng

0 800 60 44 53

Online

MTPL Insurance

Get your policy online in just a few minutes

Calculate the cost and get MTPL insurance online

Calculate

Calculate based on vehicle parameters

MTPL – Mandatory Third-Party Liability Insurance for owners of land vehicles

MTPL is mandatory car insurance. If you cause an accident, we will cover damage to another person’s car or other property, as well as compensation for harm to their life or health.

Buy Online

What Does MTPL Insurance Cover?

250,000 UAH

Per injured party — for property damage

500,000 UAH

Per injured party — for harm to life and health

If you're the injured party in an accident, our MTPL insurance will also come in handy: you can apply for compensation directly to us through the direct settlement procedure — there is no need to chase down the at-fault driver's insurer.

If you`re insuring a passenger car, you get access to the "Arsenal Drive" technical assistance service

Vehicle towing from the accident scene

We'll arrange towing of your car to a service station or another parking location

Battery Jump-Start

If your battery suddenly dies, we'll arrange a quick jump-start

Flat Tire Replacement

We’ll arrange for a mobile tire service to come to you.

Fuel Delivery

Out of fuel? We'll arrange a delivery right to your car

Emergency Lockout Assistance

Can't unlock your car? We'll arrange emergency access

Information Support

We'll help resolve any issue on the road — we're available 24/7

FAQ

How do I get a policy if I'm a legal beneficiary?

Who qualifies as a legal beneficiary for the discount?

What is direct settlement and how do I use it?

What does the MTPL policy cover?

What is the amount of insurance compensation?

How do I check if my MTPL policy is valid?

Can police officers check for an MTPL policy?

Do I always need to carry my MTPL policy with me?

Where will the policy be sent after payment?

What should I do if the policy doesn't arrive by email after payment?

How do I add my MTPL policy to Diia?

What should I do if my MTPL policy doesn't appear in Diia?

How do I recover a lost electronic MTPL policy?

Does the MTPL policy cover me abroad?

Не знайшли потрібної відповіді? Відвідайте наш інформаційний центр.

Why Us?

№1 in the CASCO market and TOP-4 in MTPL Insurance — We know auto insurance inside out

Buy Online

20 Years — in the Insurance Market

10,000,000 UAH
in Payouts Daily

350,000
Clients

Company with 100%
Ukrainian Capital

High Payout Speed

93% of Clients Satisfied with Our Service

Customize and Buy Your Policy Right on the Website

Calculate

Insurance Product Information

Object of Insurance

Insured Risks

Term of the Insurance Contract

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

The insured amount under the insurance contract is set in accordance with Law No. 3720 as follows: — the insured amount for harm caused to the life and health of injured parties is UAH 500,000 per injured party and UAH 5 million per insured event, regardless of the number of injured parties; — the insured amount for harm caused to the property of injured parties is UAH 250,000 per injured party and UAH 1.25 million per insured event, regardless of the number of injured parties. Insured amounts are set for each insured vehicle (for each object of insurance). The insurance product provides for different insured amounts for compensating damage to injured parties' property versus harm to their life and health. The insured amount under the insurance contract is denominated in the national currency of Ukraine. Insurance payouts under insurance contracts are limited to the insured amounts established in accordance with the legislation in effect on the date the contract was concluded. If a traffic accident causes harm to the life, health, and/or property of several injured parties and the insured amount is insufficient to fully compensate all of them, the insurance payout is made within the insured amount in proportion to the harm caused to each injured party who applies for payout within 30 days after the accident. If, after an insurance payout has been made, other injured parties are identified who are entitled to a payout as a result of the accident but have not received one, the Insurer is obligated to make a payout to such injured parties in proportion to the harm caused to each of them, within the remaining balance of the relevant insured amount.

Type and Minimum/Maximum Amount of Deductible (if applicable)

Minimum and maximum amounts of the insurance premium and/or insurance tariff

List of Information That Is Material to Assessing the Insured Risk and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium Under the Insurance Contract

Vehicle type (passenger car, trailer for passenger cars, bus, tram, trolleybus, truck, trailer for trucks, motorcycle or scooter, tractor, agricultural machinery, trailer for agricultural machinery, specialized equipment — including engine displacement (cc), power (for electric vehicles) (kW), gross weight (kg), unladen weight (payload capacity) (kg), number of seats including the driver's seat for buses, type of specialized equipment: mobile crane, fire truck, aerial platform truck, waste transport vehicle, street sweeper, etc.; road construction equipment; specialized military equipment).

Category of vehicle owner (individual or legal entity).

Place of registration (residence) of the vehicle owner (individual) or location of the legal entity (per the vehicle registration document).

Field of vehicle use (use by an individual, use by a legal entity, use for the purpose of providing paid passenger and/or cargo transportation services).

Term of the insurance contract (15 calendar days, 21 calendar days, one month, two months, three months, four months, five months, six months, one year).

Odometer reading on the date the insurance contract is concluded (km).

Maximum mileage of the vehicle during the term of the insurance contract (km).

Age of persons permitted to drive the vehicle during the term of the insurance contract (minimum and/or maximum full years).

Year of birth of the individual who owns the vehicle.

Eligibility for a discount (in accordance with Article 13 of Law No. 3720).

Presence or absence of insured events during the term of previous insurance contracts.

In accordance with Part One of Article 13 of Law No. 3720, the insurance premium under the insurance contract is reduced by 50 percent for a Policyholder who is:

a citizen of Ukraine who is a combat veteran, a person with a disability due to war, an injured participant of the Revolution of Dignity, a war veteran, a person with a Group II disability, a person affected by the Chornobyl disaster classified as Category I or II, or a pensioner — with respect to a vehicle with an engine displacement of up to 2,500 cubic centimeters or an electric motor power of up to 100 kilowatts inclusive, owned by that person, provided the vehicle is driven exclusively by the Policyholder or by a person who also falls under the categories specified in this paragraph, and the vehicle is not used for the purpose of providing paid passenger and/or cargo transportation services;

a citizen of Ukraine who is a person with a Group I disability — with respect to a vehicle with an engine displacement of up to 2,500 cubic centimeters or an electric motor power of up to 100 kilowatts inclusive, owned (possessed) by that person, provided the vehicle is driven exclusively by the Policyholder, or by another person in the presence of the Policyholder, or by a person who also falls under the categories specified in this paragraph, and the vehicle is not used for the purpose of providing paid passenger and/or cargo transportation services.

A reduction in the insurance premium for a Policyholder belonging to the above categories may be applied provided that, during the term of such insurance contract, there are no other active domestic insurance contracts concluded with the same Policyholder under the terms provided for in Part One of Article 13 of Law No. 3720.

If the terms of use of a vehicle insured under a contract with a reduced insurance premium (per the conditions above) are violated, the Insurer acquires the right of recourse against the person liable for causing the harm, in accordance with Law No. 3720.

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Territory of Coverage Under the Insurance Contrac

Insurance Period

Procedure for the Insurance Contract Coming Into Effect

Insurance Restrictions (If Applicable)

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Failure to fulfill obligations under the insurance contract, including late notification of an insured event without valid reasons, is grounds for refusing an insurance payout, namely:

filing an insurance payout claim without documented valid reasons after the deadline set by the insurance contract in accordance with Law No. 3720 (one year from the date of the traffic accident if harm was caused to the injured party's property; three years from the date of the traffic accident if harm was caused to the life or health of the injured individual);
filing a claim for compensation of one's own expenses for damages caused to the life, health, and/or property of the injured party after one year has passed since the traffic accident;
failure by the injured party or another person entitled to compensation to fulfill obligations set out in Law No. 3720, if this made it impossible for the Insurer to establish the fact of the traffic accident, its causes and circumstances, or the amount of the harm caused.

A Policyholder who, when concluding the insurance contract, provided information material to assessing the insured risk and/or information about other circumstances taken into account when determining the insurance premium, in the form and manner specified by the Insurer, which turns out to be inaccurate and resulted in a reduced insurance premium under the contract, is obligated to pay the Insurer that made the insurance payout a penalty equal to five times the insurance premium under such contract, but not more than 50 percent of the payout amount.
If the terms of the insurance contract provide for restrictions on the use of the insured vehicle, in addition to those set out in Article 13 of Law No. 3720, a person who caused a traffic accident while using the insured vehicle in violation of such conditions is obligated to pay the Insurer that made the insurance payout a penalty equal to ten times the insurance premium under such contract, but not more than 50 percent of such payout.
If a person's failure (or improper fulfillment) to perform the obligation set out in Part Two of Article 33 of Law No. 3720 — to assist the Insurer in determining the causes and circumstances of a traffic accident, namely by making their vehicle or other damaged property available for inspection, informing the Insurer of all circumstances known to them, and providing available documents relating to the accident for inspection and copying within seven business days of receiving the relevant information or document — results in a delay in the insurance payout, the Insurer that made the payout is entitled to recover from that person compensation for losses incurred by the Insurer in accordance with Part Eight of Article 34 of Law No. 3720 (payment of a late fee for delayed insurance payouts due to the Insurer's fault).
If, after an insurance payout has been made, it is discovered that false, incomplete, or inaccurate information was provided to the Insurer, as a result of which the payout amount was calculated incorrectly and/or the payout was made without grounds, or the injured party received compensation from the person liable for the harm or from the Insurer, then, at the request of the Insurer that made the payout, such person is obligated to return the payout received (or the relevant portion of it paid without grounds), or the difference between the payout made and the compensation received by that person from the party liable for the harm or from the Insurer. If false, incomplete, or inaccurate information was provided through the fault of the person who received the payout, including under Article 25 of Law No. 3720 (insurance payout in connection with the death of the injured individual), that person is obligated to compensate the Insurer for the losses it incurred in connection with making the payout.

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

Procedure and Terms for the Provision of Services

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met:

a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose);
b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid;
c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout.

Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates early:

by agreement between the Policyholder and the Insurer, on the initiative of either Party;
unilaterally, upon the Policyholder's written request, in the event the Policyholder submits a written request for early termination of the insurance contract due to the insured vehicle leaving the Policyholder's possession against their will, or the destruction of such vehicle (in accordance with Part Two of Article 15 of Law No. 3720);
in the event another domestic insurance contract is concluded for the same insured vehicle (in accordance with Part Ten of Article 11 of Law No. 3720).

The insurance contract may not be terminated early at the Insurer's request, except in cases established by law.

If the Policyholder submits a written request for early termination of the insurance contract due to the insured vehicle leaving the Policyholder's possession against their will, or the destruction of such vehicle, the contract terminates on the day the Insurer receives such request.

In the event of early termination of the insurance contract under subparagraph 3 of paragraph 1 of this section, the Policyholder has the right, within three years from the date of early termination, to apply to the Insurer for a refund of a portion of the insurance premium, and the Insurer is obligated to refund the Policyholder such portion within 30 days of receiving the relevant application.

Early termination of the insurance contract under subparagraph 1 of paragraph 1 of this section is carried out in accordance with the procedure established by the Law of Ukraine "On Insurance."

In the event of early termination of the insurance contract under subparagraphs 1–3 of paragraph 1 of this section, the Insurer is obligated to refund the Policyholder the insurance premium (or a portion thereof) in the amount determined in accordance with the Law of Ukraine "On Insurance."

In the event of early termination of the insurance contract under subparagraphs 1 and 2 of paragraph 1 of this section, the Insurer is obligated to ensure that information about the fact, date, and time of termination of such insurance contract is entered into the Unified Centralized Database no later than the date and time the contract terminates.

For an insurance contract terminated early, the Insurer notifies the Policyholder under that contract of the early termination (if the policyholder differs from the policyholder under a new contract).

In the event of early termination of the insurance contract, expenses directly related to concluding and performing the insurance contract are deducted in an amount corresponding to the maximum share of the Insurer's expenses specified in the General Terms of the Insurance Product.

Validity of the Insurance Contract in the Event of a Change of Owner of the Insured Vehicle

If the owner of the insured vehicle changes as a result of its lawful transfer, the insurance contract remains valid until the end of its term, and the Policyholder's rights and obligations transfer to the new owner of that vehicle.

In the event of the death of a Policyholder who is an individual, their rights and obligations under the insurance contract transfer to the person who inherits the vehicle specified in the insurance contract and/or who, in the case provided for by the Civil Code of Ukraine, is deemed to have accepted the inheritance.

The right to receive a portion of the insurance premium in the event of early termination of the insurance contract due to the death of a Policyholder who is an individual transfers to the person who inherits the vehicle specified in the insurance contract and/or who, in the case provided for by the Civil Code of Ukraine, is deemed to have accepted the inheritance.

In the event of a change of owner of the insured vehicle, the new owner is obligated to notify the Insurer in writing within 15 calendar days of acquiring ownership of the vehicle and to provide the Insurer with their personal details.

Withdrawal From the Insurance Contract

In accordance with paragraph 4 of Part Two of Article 107 of the Law of Ukraine "On Insurance," the Policyholder does not have the right to withdraw from a mandatory motor third-party liability insurance contract.

Procedure for Amending the Insurance Contract

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "IC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "IC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "IC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "IC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "IC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "IC "ARSENAL INSURANCE" website at:https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "IC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."
If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine:https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website:https://bank.gov.ua/.
In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

Procedure for Concluding and Paying for a Mandatory Motor Third-Party Liability Insurance Contract

A person applying to conclude the Insurance Contract provides the Insurer with information material to assessing the insured risk, and/or information about other circumstances taken into account when determining the insurance premium under the Insurance Contract, in the form and manner specified by the Insurer.

The Policyholder may provide such information to the Insurer verbally or in writing, including by submitting a written request expressing an intention to conclude the Insurance Contract, and by completing the relevant details independently through the information and communication system used by the Insurer to conclude insurance contracts, or through an insurance intermediary (technological applications used by the insurance intermediary).

The list of information material to assessing the insured risk, and/or information about other circumstances taken into account when determining the insurance premium under the Insurance Contract, is available at the relevant link.

The Insurance Contract is concluded exclusively in electronic form, in compliance with the requirements of the Civil Code of Ukraine for the written form of a transaction and the requirements of Law No. 3720, and is created in the form of an electronic document in compliance with the requirements of the Laws of Ukraine "On Electronic Documents and Electronic Document Flow" and "On Electronic Identification and Electronic Trust Services," or in the manner provided for by e-commerce legislation.

Insurance Contracts are concluded by accession and consist of a public part of the Insurance Contract, which is these General Terms of the Insurance Product, and an individual part of the Insurance Contract — the insurance policy (policy).

Insurance Contracts are concluded for each individual object of insurance (each vehicle), with that object of insurance specified in the insurance policy, which constitutes the individual part of the Insurance Contract.

Terms of the Insurance Contract not specified in the insurance policy are set out in the public part of the Insurance Contract, which is these General Terms of the Insurance Product.

The mandatory motor third-party liability insurance policy is issued in the form established under Law No. 3720, containing the information required by Law No. 3720.

The insurance policy specifies:

the number of the mandatory motor third-party liability insurance contract in the Unified Centralized Database;
the start date and time, and the term, of the mandatory motor third-party liability insurance contract;
information about the Policyholder and the insured vehicle;
the Insurer's name, location, including postal address, phone number, and email address for submitting written demands and applications;
the amount of the insurance premium;
the insured amount;
a reference to the record of the mandatory motor third-party liability insurance contract in the Unified Centralized Database;
information about whether the mandatory motor third-party liability insurance contract was concluded under the terms specified in Article 13 of Law No. 3720, and/or any restrictions on the conditions of use of the insured vehicle;
other information required to be specified by the MTIBU.

Based on information received from the Policyholder (vehicle owner), a proposal to conclude an electronic Insurance Contract is generated for the Policyholder through the ICS, provided/sent by the Insurer to the Policyholder, and remains valid until the end of the day on which it was generated.

After the Insurance Contract is concluded, the Insurer, no later than the date and time the contract's term begins, sends (provides) the Policyholder with the insurance policy, executed in electronic form, in the manner chosen by the Policyholder from those offered by the Insurer, using the contact details provided by the Policyholder when concluding the Insurance Contract, or via the electronic document management system used by the Parties to sign the insurance policy.

The insurance premium under the Insurance Contract is paid in full, in a single payment, before or at the time the Insurance Contract is concluded.

The insurance premium under the Insurance Contract may be paid by the Policyholder by bank transfer to the Insurer's (or insurance intermediary's) bank account, or in cash at the Insurer's (or insurance intermediary's) cash office.

Methods for Obtaining Information About the Entry of a Record Regarding a Mandatory Motor Third-Party Liability Insurance Contract Into the Unified Centralized Database for Mandatory Motor Third-Party Liability Insurance, Including a Link to the Webpage on the Website of the Motor (Transport) Insurance Bureau of Ukraine (Hereinafter — MTIBU), Where Such Information Can Be Obtained

List of Categories of Individuals Entitled to a Reduced Insurance Premium (Under a Domestic Mandatory Motor Third-Party Liability Insurance Contract)

Methods for Concluding Contracts on Preferential Terms

Information on the Validity of the Mandatory Motor Third-Party Liability Insurance Contract in the Event of a Change of Owner of the Insured Vehicle

Information About MTIBU, Including MTIBU Contact Details or a Link to the Webpage on the MTIBU Website Where Such Information Is Published

Grounds and Procedure for MTIBU's Statutory Payout in the Case Provided for by Paragraph 4 of Part One of Article 43 of the Law of Ukraine "On Mandatory Motor Third-Party Liability Insurance of Owners of Land Vehicles," or a Link to the Webpage on the MTIBU Website Where Information About the Statutory Payout Procedure Is Published

Consumer's Steps for Obtaining an Insurance Payout Through Direct Settlement of an Insured Event (Under a Domestic Mandatory Motor Third-Party Liability Insurance Contract)

In the event of an accident, the injured party may apply to "their own" insurance company — the one with which they concluded their MTPL Insurance contract — for compensation. This means the Policyholder can choose an insurance company that will not only cover damages for which the Policyholder is responsible, but also compensate the Policyholder's own damages from an accident caused by another driver.

Direct settlement of insured events (DS) is a system in which the insurer that provided liability insurance for the injured party performs, with respect to compensation for damage related to the damage or physical destruction of the injured party's vehicle, the duties of the insurer that provided liability insurance for the person responsible for causing the traffic accident. This system does not require the Policyholder to conclude any additional insurance contracts beyond the mandatory motor third-party liability insurance (MTPL) contract.

When can the direct settlement system be used?

The accident involved exclusively two land vehicles, and the only damage caused was damage to or physical destruction of a vehicle.
Both vehicles were insured at the time of the accident, or the injured party holds an MTPL contract concluded under the terms of Law No. 3720-IX while the at-fault party is uninsured. For accidents occurring after January 1, 2025, the injured party's right to direct settlement applies to the following policy combinations:

Injured Party's Policy	At-Fault Party's Policy	Settlement Specifics
New (concluded under Law No. 3720-IX)	New (concluded under Law No. 3720-IX)	Direct settlement in accordance with the Regulation under Law No. 3720-IX
New (concluded under Law No. 3720-IX)	Old (concluded under Law No. 1961-IV)	Direct settlement is carried out in accordance with MTPL Law No. 3720-IX; the amount of damage for the payout to the injured party must be determined in compliance with the methodological requirements for property valuation
New (concluded under Law No. 3720-IX)	None (in violation of Law No. 3720-IX)	Direct settlement in accordance with the Regulation under Law No. 3720-IX; MTIBU acts as the at-fault party's insurer

At the same time, please note that direct settlement under the Direct Loss Settlement Agreement remains in effect. It applies to the following policy combinations for accidents occurring after January 1, 2025:

Injured Party's Policy	At-Fault Party's Policy	Settlement Specifics
Old (concluded under Law No. 1961-IV)	Old (concluded under Law No. 1961-IV)	Direct settlement is possible provided both the injured party's and the at-fault party's insurers were parties to the DS Agreement at the time of the accident; settlement is carried out in accordance with MTPL Law No. 1961-IV and the Regulation under the DS Agreement; if the insurers were not parties to the Agreement, settlement is carried out under the general procedure, outside direct settlement
Old (concluded under Law No. 1961-IV)	New (concluded under Law No. 3720-IX)	Direct settlement is carried out under the terms of the DS Agreement if the insurers were parties to it at the time of the accident; settlement is carried out in accordance with MTPL Law No. 3720-IX; if either insurer was not a party to the Direct Loss Settlement Agreement, settlement is carried out under the general procedure, outside direct settlement

The information available to the injured party's insurer regarding the policies of the accident's participants is not contradictory with respect to the data used to identify the insured vehicle (make, type, license plate number) and to determine whether coverage was in effect on the date of the accident, as well as the insured amounts.

Some features of direct loss settlement:

Direct settlement covers only property damage.

For compensation of harm to life and health, the injured party must apply to the insurance company of the party responsible for the accident.

Accident documentation procedure

The accident may be recorded with the involvement of the National Police, or a Europrotocol may be completed (no difference from the procedure under the standard MTPL settlement system).

IMPORTANT! A Policyholder who is the injured party in an accident and first applies to "their own" Insurer for compensation forfeits the right to apply to the at-fault party's Insurer for that same case. A Policyholder who is the injured party in an accident and first applies to the at-fault party's Insurer for compensation forfeits the right to apply to "their own" Insurer for that same case.

Загальні умови страхового продукту «Обов’язкове страхування цивільно-правової відповідальності власників наземних транспортних засобів «ОСЦПВ», редакція діє з 01.01.2026 р.

Перелік відомостей, що мають істотне значення для оцінки страхового ризику, редакція діє з 01.01.2026 р.

Інформаційний документ про стандартний страховий продукт «Обов’язкове страхування цивільно-правової відповідальності власників наземних транспортних засобів «ОСЦПВ»), редакція діє з 01 червня 2026 року

Document Archive (for insurance contracts concluded in previous periods)

Got any questions?
Get in touch with us in a convenient way

0 800 60 44 53

Request a callback

Message us

Feedback page

Ask a question Leave feedback

Було ДТП, але винуватець не ми. Звернулись до своєї страхової, в арсенал. Вирішили нам це питання дуже швидко, відповідали вчасно. Гроші перечислили в той строк, який обіцяли.

Виплата по автоцівілці. Я постраждала сторона. Отримала виплату через три тижні після звернення. Дякую компанії та працівникам.

5 років з вами. Декілька разів ставалися неприємності з авто, але ви завжди швидко регували. Реально ви достойна страхова компанія. І надалі буду з вами!

Хочу подякувати за технічну підтримку. Сьогодні втратив акумулятор, але за 15 хв після звернення до оператора, приїхала техпідтримка і запустили мене. Безкоштовно. Навіть чайові не взяли. Це рівень! Щиро дякую!

Дякую за швидке вирішення питання по страховому випадку.(цивілка. Мою машину стукнув клієнт цієї страхової компанії) Отримала компенсацію протягом 10 діб. Європейський рівень!

Робота пана Ярослава - пік професійності. Компетентність , ввічливість, оперативність - кращі риси. Виплатили повну вартість ремонту пошкоджень авто і це менше ніж за два тижні після дтп. Однозначно рекомендую Арсенал, особливо у Івано-Франківську.

Все супер! Одразу на місці ДТП допомогли та проконсультували, порадили як правильно вести себе, і підказали напрямок моїх дій, а на наступний день вже підготували документи - потратив 20 хв, і все... ( другого учасника ДТП тягали щоденно 2 тиждні своя страхова), Я задоволений - в процессі придбання другого авто - буду страхувать у вас )

Дякую щиро компанії Арсенал. А особливо спеціалісту Артему Минько . Співпрацюємо 2 рік, я задоволена якістю послуг. Особливо консультаціям і розʼясненням по всім питанням. Оформлення каско і автоцивілки. Мені допомогли обрати найкращий варіант для моєї автівки. Завжди реагують миттєво і професійно. Рекомендую від серця.

Что могу сказать,ребята работают круто,не смотря на то,что я потерпевшая сторона,но встретили так будто я ВИП клиент,общались максимально культурно и вежливо,оценили повреждения на ту сумму за которую реально можно починить,а не сделать вид,можно было бы поставить 10 то поставил бы 10.

Протягом 3 днів нарахували кошти по Європротоколу

Выплата прошла быстро, по оценке не знаю т. К. Ремонтировал сам

Рекомендую дану страхову компанію! Став учасником ДТП в якій в мене в'їхав водій іншої страхової компанії, яка є учасником угоди про пряме врегулювання збитків з даною СК... відразу перетелефонував на гарячу лінії прокунсультували в подальших діях і направили в найближче відділення в м.Черкаси. В даному відділенні оперативно оформили необхідні документи і проконсультували в подальших діях... в той час коли винуватець ДТП пас задніх в необхідний час згідно чинного законодавства з моєї сторони вже була поробленна вся необхідна процедура і на протязі місяця було виплачено страхове відшкодування в повній можливій сумі. Особисте велике дякую провідному фахівцю Анні за плідну співпрацю та керівнику Роману.

Приятно удивлён сервисом данной страховой, попал в ДТП виновником которого был клиент данной компании, выплату произвели в течение 6 рабочих дней, оценили всё адекватно. Задумываюсь перейти сюда))) Отдельное спасибо Дмитрович Руслану, так держать)

Попал в дтп, в данной страховой был застрахован виновник, и я очень доволен сопровождением страхового случая. Компания все четко посчитала, эксперт от их стороны профессионал, как и сами ребята. Задумался о страховании своего авто после ремонта в СК «Арсенал Страхування».

Ребята реагируют достаточно оперативно и рекомендуют сразу на сто, независимые эксперты едут туда, куда клиенту удобно. СТО, на которое меня отправляли , достаточно адекватное и по самому сервису. Оплата счета со стороны страховой была оперативной. Спасибо ребятам за хорошую работу

Отличная страховая... Выбрал Арсенал для автогражданки и каско, случился страховой случай по моей вине и Арсенал не оставил меня одного с проблемой... Оперативно отработал страховой коамисар, качественно поддержал меня call center... Я доволен данной компанией. Рекомендую.

Был страховой случай, дтп не по моей вине. Все очень быстро порешали.

Виновник ДТП 06,06,2017 года-клиент ст.компании "АРСЕНАЛ". г.КИЕВ. 09.06.2015 независимый експерт. Суд 03.07.2017. постановление в силе с 14.07.2017 года. Выплата 20.07.2017 года. О каких задержках можно говорить. компания отличная. зайдите в офис на м. шулявская, и посмотрите на офис и все станет ясно. теперь я буду иметь дело только со специалистами стр.компании "АРСЕНАЛ"

Get your MTPL insurance online
and hit the road with no worries.

Get Your Policy