K Kompanion

Finance · Insurance

Insurance in Ukraine 2026

All insurance types in one place: compulsory motor third-party liability (OSAGO), comprehensive auto (CASCO), voluntary medical (DMS), life, travel. Compare 12 NBU-licensed insurers.

Insurance types

🚗 OSAGO
Compulsory liability, UAH 1,450-1,700/year for B1.
🛡️ CASCO
Voluntary comprehensive auto, 3.4-4% of car value.
🏥 Health (DMS)
Voluntary medical, UAH 12,000-16,000/year.
💚 Life
Accumulative and risk-only, from UAH 350/month.

12 largest Ukrainian insurers

Ratings on Ukrainian scale (uaAA — highest). All companies hold NBU licences (NBU has regulated insurance since 2020).

Insurer Founded Rating Annual premium (B1)
1990 uaA 1450 ₴
1921 uaAA- 1480 ₴
1990 uaA+ 1480 ₴
1998 uaA 1490 ₴
2003 uaA 1500 ₴
1998 uaA 1520 ₴
1992 uaA 1530 ₴
2001 uaA+ 1550 ₴
1997 uaA+ 1600 ₴
1993 uaAA- 1620 ₴
1994 uaAA 1650 ₴
1996 uaAA 1700 ₴

Regulation of the Ukrainian insurance market

Since 2020, the National Bank of Ukraine has been the sole insurance regulator. Previously this role was held by the National Commission for Financial Services. The NBU issues licences, maintains the insurer register, audits financial stability, and oversees payouts. If an insurer refuses to pay on a valid claim, complaints to the NBU usually resolve within 30 days.

Insurance payout guarantee — is there protection?

Unlike bank deposits (protected by DGF up to UAH 600K), Ukrainian insurance companies have no guarantee fund. If an insurer goes bankrupt, payouts stop. Choose insurers rated uaA or higher, preferably from the top 12 by premium volume.

What each insurance type covers

  • OSAGO — damage you cause to third parties (other cars, pedestrians, property). Does not cover your own vehicle.
  • CASCO — damage to your own car from accidents, theft, vandalism, natural disasters.
  • DMS — private-clinic treatment, hospitalization, drugs, dental care. Excludes: cosmetic procedures, reproductive technologies, unlicenced methods.
  • Life insurance — payout to beneficiary on death or disability. Accumulative plans also guarantee return of premiums + investment income.
  • Travel insurance — medical assistance abroad. Mandatory for Schengen visas.

FAQ

Who regulates insurance companies in Ukraine?

The National Bank of Ukraine — since 1 July 2020, under the Law "On Financial Services and State Regulation of Financial Services Markets." Previously the National Commission for Financial Services held this role.

How much does OSAGO cost in Ukraine in 2026?

For a B1-class passenger car (1.4–1.6L) in Kyiv — UAH 1,450–1,700/year. Lowest prices: UPSK and ORANTA. Highest: UNIQA and ARX. Price depends on: car type, registration region, driver experience, bonus-malus (claims history discount/surcharge).

Which insurance company is the most reliable?

Rated uaAA — ARX, UNIQA. uaAA- — ORANTA, PZU Ukraine. These insurers have demonstrated ability to meet obligations even in crisis years (including 2022-2024). Among them, largest by premium volume — ARX and UNIQA.

Can I buy insurance online?

Yes — all 12 insurers on this list support online OSAGO and most voluntary types. OSAGO is issued in 3-5 minutes via website or app, paid by card, e-policy by email. CASCO and DMS — partial online; large sums need an offline check.