Insurance You Should Have
Unlike CASCO, CTPCI is the compulsory class of insurance.
Since 1 January 2005 Ukraine assigned a status of the compulsory class of insurance for all car owners to CTPCI at the legislative level.
In our country, there are also the following conditions for the amounts of maximum indemnities paid to the aggrieved party (for one person):
for material damage — UAH 160,000
for damage caused to health or life — UAH 320,000
In simple terms, if the traffic accident occurred due to your fault, the insurance company undertakes obligations to indemnify for the damages caused by you.
How is the amount of indemnity estimated for the aggrieved party? The condition of the damaged car is taken into account; the older the car is, the lower the indemnity amount will be. In cases, when the amount of damages exceeds the limits established by law, you pay the difference at your own cost.
Why do you need CTPCI?
It is mandatory. If the car owner has no CTPCI insurance, the police officers may write the accident report for charging a penalty amounting between UAH 425 and 850.
And this will happen every time unless the driver takes out insurance.
The law is the law; however, the CTPCI insurance is required for other reason: upon occurrence, you save the significant amount of funds from the family budget.
The drivers just take out CTPCI insurance for eliminating risks relating to parting with their own money. Yes, within the limit of insurance. Meanwhile, you can always increase it and stay calm when driving.
All the more, the price of such calmness is always very affordable.
CTPCI is the class of insurance allowing you to save funds for loss indemnification in case of traffic accident caused by you.
Here are several stages:
yourself and your car to get CTPCI quote
Why should the limits of insurance be increased?
Thus, the limit of insurance for material damages is UAH 160,000. It is just $5,300.
We simply compare the “just” indicator with the constant price increase for original car parts and components. And it is the main cost item for repair and restoration works.
You see which cars run currently in Ukraine. In three out of ten, just one headlamp costs over $2,000. And the headlamp is, as they say, you have got off cheaply, because even in the standard traffic accident several body elements are damaged at once.
That is, the standard limit of insurance covers not the whole damages sustained, and its amount may be the same as your savings for several years. One moment, and you may lose them. Not to mention that you may be burdened with debts…
At the same time, you may insure yourself against these risks, just increasing the standard limit of insurance.
At INGO, you may buy an additional policy and increase the limits of liability up to UAH 1,000,000.
Get a CTCPI quote
The CTCPI value is the same in all insurance companies. Such decision was taken on the legislative level.
It is not fixed, but is estimated based on specific personal variables, namely:
- Type of vehicle
- Insured’s status (individual or legal entity)
- Insurance contract period
- Driving experience
- Place of vehicle registration
- Vehicle application mode
The benefit is the provision of 50% discount to the veterans of the Great Patriotic War, disabled persons of II category, Chernobyl veterans of I and II category (provided that not more than one car with the volume of up to 2,500 cubic centimeters is insured).
The deductible is the amount which the client pays at his own cost. It may be 0, 1,600 or 3,200 UAH. The less the deductible is, the higher the policy value is.
Estimate CTPCI policy value based on your data and preferences.
Buy a CTCPI policy from “INGO”
When there are so many insurance companies in the country, you always wonder – which one would I cooperate with?
The most logical recommendation is to better cooperate with that insurance company, which reliably, quickly and fully performs its obligations undertaken.JSIC “INGO” has gained a great and serious reputation more than 25 years of active work.
It is about
12 Land Rover
It is about
16 Lexus cars
It is about
8 Audi cars
According to the study of the Motor Transport Insurance Bureau of Ukraine (MTIBU) with evaluation of the performance of insurance companies, we got a “green light” (maximum reliability performance) on all three characteristics: loss settlement quality, level of claims from the aggrieved persons, overall assessment of the work quality.
You are lucky and already INGO client?
INGO is the service!
The issue of indemnity always comes first. Meanwhile, it is not less important to understand how exactly the company works in case of the occurrence.
We consider that even minor traffic accident is the significant stress situation. That is why on our part, we do everything promptly and in good faith:
1. Communications – by phone, without paperwork
2. Notice of traffic accident via a regular call to the call center, all the rest is on us.
3. Organization of the service for the aggrieved party.
4. Attendance of the adjustor for assisting in drawing up the European Accident Statement.
5. Assistance in correct filling out of all necessary documents.
6. The car of the aggrieved party undergoes free inspection at the car repair shop.
7. Independent survey is conducted on a free-of-charge basis (cost saving – 1,200-1,500).
8. Assisting the aggrieved party in auto repair at the survey price.
INGO is included in the short list of insurance companies operating in the direct settlement system. What does it mean for you? If you buy a CTPCI policy from our insurance company and become the aggrieved party in traffic accident – you may claim for indemnification directly to us, but not to the insurance company of the guilty party.
* Provided that the insurance company of the guilty party is also included in the list of companies of the direct settlement system.
And when you buy a ‘Conscious Protection’ product, the said restriction is lifted at all. That is, even if the insurance company of the guilty party is not included in the list of companies of the direct settlement system – you may claim for indemnification directly to us.
Take out CTPCI online!
For taking out a CTPCI policy, it is required to provide the following original documents or their copies:
- vehicle registration certificate;
- Ukrainian passport;
- driving license of the Insured.
It takes 1 minute for buying a policy. You enter information about your car (model, year of manufacture, plate number), fill out several lines in the form, pay its value online – and we will send you a policy to your email.
You obtain an electronic CTPCI policy, which is officially registered in the MTIBU database, it has the same legal force as the paper-based contract.
The online policy has an affordable value; it is due to saving costs for blank forms and delivery. It is fully legitimate, because it is also entered in CTPCI database.
The online service will automatically remind of the forthcoming end of the policy period and offer several convenient options for its extension.
Frequently Asked Questions (FAQ)
If this year you have taken out a CTPCI policy with the limited list of drivers, and next year, you plan to buy a policy without limiting the number of drivers.
If a break in CTPCI insurance was over 1 year (including, if during a year, there was a fact of driving a car with a forged policy).
Over 25-year work experience on the market
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