Not so it is terrible as his fear CTP

As known to all, or nearly all domestic motorists in Ukraine, there is a mandatory car insurance, which is called CTP, but in fact the law formulates it as "compulsory insurance of civil liability," that is compulsory civil liability. But, as often happens, people get accustomed to a more friendly names, so most people call this insurance, "automobile liability insurance" or "avtotsivilkoy." While working on our portal compare financial services Maanimo.com I had to become a real insurance agent and sell several insurance CTP to thoroughly look into this product. And I am pleased to share some of the nuances of mandatory car insurance.

So, it is necessary to know the normal inexperienced driver mandatory car insurance?

1. Price subject.

So, how much it costs to have insurance CTP, and, more interestingly, how much is it does not have. But the details of the pricing of insurance I'll discuss shortly, and that's about what risks the driver who does not have mandatory car insurance - say it now. Resolution No. 1061-5 for our home happy found that the lack of driver's policy of compulsory motor insurance entails a fine of 25-50 non-taxable minimum. Earlier amount of the fine was 0.5-1 non-taxable minimum. Thus, the driver will be fined from 425 to 850 hryvnia. I wonder why the article implies a substantial "fork" in fine, no other actual amount of the fine will depend on the severity of the offense - for example, immediately confessed to the driver, or pretended CTP he still is. Looking ahead to say that it is about twice the cost of an average policy.

2. What makes CTP?

This is an important question, not everyone knows the answer. The most important thing: your CTP policy does not protect you and your car and property, life and health of those who suffer in an accident, if convicted of her recognize you. And it shall be compensated:

damage to life and health of the victims of the road accident which is the driver of the insured in the amount of 51 000 hryvnia per victim.

damage to the property of the victims of road accidents in the amount of 25 500 hryvnia per victim, but not more than five times the limit of liability for one claim. The phrase "no more than five times the limit of liability" means that if an accident were five victims, all of them receive appropriate coverage. If you will be affected more than five, five times the coverage will go some way to share all the victims (one for life, health, property separately).

Please note that damage coverage is a maximum of 25 500 hryvnia. It's not really that big of a cover, and if the damage (assessed, for example, at the official station, and confirmed by an expert) will be more, you will have to cover the difference. By the way, in this case you can buy additional insurance for voluntary liability insurance, but this does not preclude the need to purchase and binding "avtotsivilki."

3. To whom does the policy?

There are three types of CTP policy:

The first type is that this policy extends its effect on all the drivers that control a vehicle specified in the policy. That is, the policy fixes the car and allows the management of any driver that has a legitimate reason to manage it (according to the current SDA). By the way, I remind you that the current management of traffic rules by proxy is no longer a legitimate reason, you need a temporary pass.

the second type of policy works for one driver specified in the policy, regardless (almost) of the vehicle, which it will manage. Almost - because that type of vehicle is fixed in the policy. Driving experience will be taken into account, and can significantly reduce the cost.

the third type of policy fixes a car, and drivers who, respectively, will be to drive this car under the protection of this policy. Drivers there may be up to five inclusive. Advantage of this option is that the experience will be considered drivers (the more experience - the cheaper the policy). Fly in the ointment: it will be considered the minimum length of these drivers. If there is at least one driver with little experience is likely to be easier to make the first type of policy, and not worry about the driver's permission at all.

4. City

There is a difference in the costs of the policy according to the city car registration. There are 5 price zones. The most expensive area - Kiev, then go to Dnepropetrovsk, Odessa and Kharkiv, the third zone includes the Donetsk, Zaporozhye, Lvov, Krivoy Rog and Nikolaev, in the fourth zone are the cities with a population of 100 000 to 500 000, and in the fifth zone includes all other (ie, cities and towns that are home to 100,000 people). The difference in price between the first and fifth zone - a good three times.

5. Engine

The larger engine size of your car - the more expensive the policy will cost. The difference between 1.5 liters and 3 liters would be about half.

6. Franchise

In contrast to the hull, then the franchise is quite simple: they are either zero or is 510 hryvnia. Moreover, the zero is not available in the first zone, ie in the city of Kiev. For those who do not know what the franchise: it's such a sum, which is always the case in the insurance will pay the insured, and all that is in excess - the insurance company. The presence of a franchise, of course, affects the price - a non-zero deductible policy making cheaper (about 20-30 hryvnia).