Driving without insurance

fines for missing liability insurance — reference (verify current rules)

Current rules

  • Fine for no policy: 425 UAH (art. 126 Code of Admin Offences) — verify current amount
  • Repeat within a year: 850 UAH + possible impoundment
  • Expired policy: counts as absent — no auto-renewal exists
  • Electronic policy: showing it on a phone suffices — paper not required

Accident without a policy

  • At-fault pays alone: all victim damages — hundreds of thousands UAH
  • MTIBU recovers from you: the fund pays the victim and claims regress against the uninsured culprit
  • Criminal liability: in severe outcomes, lack of insurance is aggravating
  • Direct loss: other car repair + treatment + lost earnings

How to avoid

  • Reminder a week ahead: yearly policy — set a reminder 7 days out
  • Online in 5 minutes: issue on insurer or aggregator site
  • Auto-payment: some insurers offer auto-renewal
  • Policy check: MTIBU database — verify validity by plate number