MTPL Insurance

OSCPV insurance

Поліс ОСЦПВ в Україні – це очевидна потреба, яку важливо забезпечити у надійній страховій компанії.

And here's why:

Today, OSCPV is a very common type of car insurance, even in our country almost every car owner has such a contract.

Оформити та купити поліс ОСЦПВ можна протягом декількох хвилин на сайті, зробивши розрахунок cost на онлайн calculatorі. І це круто.

But, on the other hand, everyone concludes a contract simply out of necessity (required by law). Not everyone understands the importance of OSCPV and does not pay special attention to the choice of company and nuances, but in vain. A careless choice of an insurance company can lead to problems with compensation payments and cause serious financial costs for the car owner (driver) in the event of an accident.

The very existence of the policy and even the mandatory nature of the autocivil does not automatically solve the problem. Like CASCO insurance, OSCPV has nuances. These features are so numerous that they form a whole Law, which hardly everyone will want to read.

Ми розповімо простими словами про головне – як не помилитися з покупкою автоцивілки і зробити правильний вибір страховика – страхової компанії, яка стане рятівним кругом, якщо ви потрапите в халепу на дорозі.

So, what is OSTCPV or autocivilka?

ОСАГО – Mandatory Third Party Liability Insurance owners of land vehicles, intended to compensate for damages not to the owner or driver of the insured car, but to other victims of road accidents. The insured is the driver, the owner (user) of the car insures, damages are compensated to third parties who were injured in the accident.

How does OSCPV differ from other types of auto insurance?

Компенсація збитків іншим постраждалим – відмінна риса ОСЦПВ, поряд із ще одним важливим моментом – це обов'язкове insurance. Тому to issue ОСЦПВ "вмовляти" вже нікого не потрібно. Практично кожен автомобіліст має автоцивілку, тому що такий документ має бути у кожного водія, поряд із правами та техпаспортом.

You can take out a motor vehicle policy for a period of 15 days to 1 year, the contract must be renewed after its expiration.

Why should every driver have an OSCPV contract (auto civil license)?

Експлуатація будь-якого транспортного засобу без insurance ОСЦПВ – як мінімум адмін штраф при виявленні такого порушення. У разі потрапляння в ДТП – це серйозні юридичні та фінансові проблеми, пов'язані з порушенням законодавства, і з компенсацією збитків. Без договору ОСЦПВ весь тягар відповідальності за збитки, завдані постраждалим (третім особам), лягає на винуватця ДТП.

What are the damages and to whom does the auto-civilian compensate?

According to OSCPV, monetary compensation is paid to any victim in a traffic accident, except for the owner and the insured (driver). This includes:

• compensation for damage caused to the property of third parties;
• compensation for damage caused to the health and life of the victims, which they received due to the fault of the insured person.

This is especially relevant for Ukraine, where not every car user is solvent enough to pay such compensation, and the work of judicial and executive bodies requires better.

ОСЦПВ – не нав'язане зобов'язання, а допомога всім учасникам ДТП

On the one hand, it is the obligation of a driver's license that guarantees legal and quick compensation for damages to the victim in an accident, regardless of the will and financial capabilities of the person responsible for the accident. This is to protect the interests of third parties.

On the other hand, such an agreement indirectly protects the property interests and the owner (driver) of the car who is guilty of the accident. OSCPV insurance does not compensate for losses on the insured car, but it will save considerable financial costs necessary to compensate for losses caused by others.

Therefore, OSCPV insurance is useful for all road users. It is difficult to overestimate the value of autocivilka. This is a quick solution to complex issues in a simple and civilized way.

It will take a few minutes to issue an OSCPV policy, and you can pre-calculate its cost directly on the website using an online calculator. The insurance company will take care of the rest.

What should you pay attention to when choosing a car driver?

Якісний захист ОСЦПВ – це не стільки підбір умов договору, скільки правильний вибір страховика.

The risks covered, the terms and even the price for different contracts will not vary much. This is mandatory insurance and its parameters, including insurance benefits, established by the Law.

How is the amount of the insurance payment for OSTCPV determined

Limits of liability of the motor vehicle

The size of the insured amount for damage caused to the property of the injured persons: 250 thousand hryvnias for one injured person and 1.25 million hryvnias for one insured event, regardless of the number of injured persons.

Розмір страхової суми за шкоду, заподіяну життю та здоров’ю потерпілих осіб: 500 тисяч гривень на одну потерпілу особу та 5 мільйонів гривень на один страховий випадок незалежно від кількості потерпілих осіб.

Порядок визначення страхової суми – у відповідності до Law of Ukraine «Про обов’язкове insurance цивільно-правової відповідальності власників наземних транспортних засобів».

How much does OSCPV cost for a car and what does the price of the policy depend on

Compared to other types of auto insurance, the OSCPV policy is relatively cheap. Its price is calculated by multiplying the basic annual payment by adjustment factors such as:

• the place of registration of the car owner (the size of the settlement in terms of traffic intensity is important);
• type of vehicle (car, truck, bus, trailer, motorcycles and scooters) and its characteristics (engine volume);
• термін дії полісу. Зазвичай оформляють на рік, але можна і від 15 днів (наприклад, для раніше не реєстрованих та транзитних авто або "Green Card" для виїзду за кордон);
• the field of use of the car (for example, for a taxi, the coefficient will be higher, and the insurance will be more expensive);
• state benefits (for pensioners, disabled people, ATO participants, etc.), which reduce the cost of insurance (up to 50% of the base price). But in this case, restrictions on the power of the car and the scope of its use are also applied;
• розмір обраної франшизи (більша сума – нижча the cost of the policy).

Discounts and payment of the car tax in installments

Unlike CASCO, there is no provision for payment of OSCPV policy in installments. You will have to pay the entire cost of the car insurance right away, but there are discounts and bonuses from companies that will make insurance cheaper.

What documents are needed to issue a driver's license?

• passport or driver's license and TIN of the insured (owner, driver of the car);
• technical passport of the insured car;
• documents allowing special use of the car (for example, a license for taxi drivers);
• documents giving the right to preferential insurance (pension, ATO participant's certificate, etc.).

How to choose the right car driver

We choose any product based on the price/quality criteria.

In fact, neither the car owner nor the insurer can influence the price of the policy, which can be calculated on the online calculator. The tariff is established by law, and the size of the adjustment factors depends on the points that are reflected in the documents, they cannot be hidden or changed.

Taking into account the universality of the OSCPV tariff, the criterion for the correct choice of auto-civilian remains the quality of services, which directly depends on the reliability of the insurance company. This is determined by such factors as:

• many years of successful experience of the insurer in the market (constant presence in the top in terms of insurance volumes and payouts);
• stable financial position (profitability and growth of the company);
• impeccable reputation (you can find out from professional ratings and customer reviews).

Але не всі компанії на страховому ринку України відповідають таким характеристикам. Якщо хочете не тільки купити автоцивілку дешево (це може бути маркетинговим прийомом продавця послуг), але й не перейматися ризиками – майте справу тільки з надійними компаніями.

Why should you buy a car license from SG TAS?

Тому що наша компанія – лідер insurance України понад 20 років.

The TAS insurance group is:

Always high ratings:

• #1 за виплатами по ОСЦПВ та Зеленій карті у 2014-2022 у рейтингу Insurance TOP;
• #1 за преміями з ОСЦПВ та Зеленої карти у 2014-2021 у рейтингу Insurance TOP;
• №2 у рейтингу автостраховиків у 2020 році за версією журналу “Бізнес”;
• TOP-3 of the most professional insurers of Ukraine for many years, even in 2022.
• TOP-5 insurers of Ukraine in terms of settlement speed.

Big payouts over the years:

• 3 млн. гривень СГ “ТАС” виплачує своїм клієнтам щодня;
• we serve about 1,000 customer requests every hour!

Recognition by customers.

Today, SG TAS is chosen by every 10th Ukrainian car owner (and there are more than 120 companies in the country). Because the company receives the highest marks for financial condition, number of complaints and quality of settlement.

We are like that because we provide quality services.

Поліс ОСЦПВ від ТАС – це:

Highly professional and convenient settlement of insurance cases:

• round-the-clock free information and service support for customers;
• modern settlement centers throughout the country;
• подання заявки на партнерські СТО у містах-мільйонниках (Kyiv, Kharkiv, Zaporozhye, Odesa);
• online services for downloading documents and tracking the status of the case through the site and messengers;
• electronic queue to save the client's time when scheduling meetings;
• system of express payments (allows you to receive insurance compensation without visiting the settlement center), 28% of insurance cases are settled in this way.

Quick settlement of insurance payments:

• 35 minutes to calculate the amount of damage;
• 2 days for the implementation of express payments under contracts;
• 13 days (on average) for the settlement of damages issued by the European protocol;
• 26 днів – середній час врегулювання збитків по полісах ОСЦПВ.

Quick calculation and registration of insurance online in a few clicks

How to calculate and issue an electronic policy of OSCPV online?

You can calculate the cost of insurance, draw up a contract and make payment directly on the website. Just follow the link and order an electronic policy:

• Fill in the necessary fields and click "check out";
• Pay the insurance with a bank card.

The price of the policy can be calculated using an online calculator.

To obtain an insurance contract, it is not necessary to contact the SG TAS office in Kyiv or another city. After payment, the electronic version of the insurance will be sent to the indicated e-mail.

Electronic policy: use and authentication?

The electronic policy of a motorist has full legal force, its cost is the same as a paper counterpart, and it is even more convenient to use such insurance.

It is easy to check the validity of the autocivilian policy online, even through a smartphone, by visiting the MTSU website. OSCPV insurance is mandatory, so all contracts are automatically registered in a special register.

Take out an electronic civil liability policy on our website and don't worry about your legal liability in the event of an accident. The advantages of buying a car insurance policy from the TAS Insurance Group are obvious.

Якщо залишилися питання або не вийшло скористатися онлайн calculatorом, зв'яжіться з менеджерами СГ ТАС – вони допоможуть розрахувати страховку, а оформлення договору триватиме не більше 5 хвилин.