Insured event under the hull insurance policy

The insurance indemnity is paid by the insurer after agreeing on the amount of this indemnity and all necessary documents are available. iNGO's "remote settlement" implies that the fixation of damages and calculation of the repair cost is carried out directly at the service station, without the need for you to visit the INGO office. The terms of repair work by our partner service stations are regulated by the terms of cooperation with INGO.

How to contact us:



Call the INGO contact center directly from the scene

1. Instructions on how to act in the event of an insured event

  1. Stay calm and follow all the requirements of the Traffic Rules.
  2. Call the INGO Contact Center directly from the scene of the accident at (044) 490-27-47 or (050) 119-01-47 or (067) 246-80-07 and follow the recommendations of the Contact Center.
  3. Call representatives of the National Police of Ukraine -102 to the scene to record the circumstances of the incident (unless, in accordance with the terms of the insurance contract, the police call is not mandatory) or draw up a Europrotocol.
  4. If there are any victims, call an ambulance - 103.
  5. Take photos of the materials drawn up by police officers (if called).
  6. Get information about the participants in the accident: Name, make and model of the vehicle, insurance policy number, name of the insurance company. Take pictures of the accident scene from different angles.
  7. Wait for the arrival of the INGO Emergency Commissioner (if sent by the operator).
  8. Fill out the form «Report of the accident» and send it together with the documents to the e-mail address no later than 3 working days from the date of the accident (in the subject line of the e-mail, be sure to indicate your insurance case number received from the contact center when registering the insured event by phone) or through the form «Reimbursement application form».
  9. Keep the damaged property in the same condition as it was at the time of the accident until it is inspected by a representative of INGO Insurance Company.

2. Documents required to settle the event

  1. Report of the accident (this form must be printed, filled in, signed, dated and its photo/scanned copy sent to us)
  1. Insurance contract
  2. Driver's license (temporary license)
  3. Certificate of registration of the vehicle
  4. Passport and identification code of the Insured
  5. Copy of the accident scheme, explanations, administrative protocol
  6. Europrotocol (if the accident was registered without the participation of the police)
  7. Court decision with a wet seal (upon agreement)
  8. Application for payment of insurance indemnity (this form must be printed, filled in, signed, dated and its photo/scanned copy sent to us)

How to apply?

Prepare the necessary documents and send them to the email address (in the subject line of the email, be sure to indicate your insurance case number received from the contact center when registering an insured event by phone).
You can also submit documents through the form «Reimbursement Request Form» (below). In this case, be sure to indicate your correct e-mail address for the possibility of feedback communication from INGO.


Customers insured under CASCO can submit the necessary documents directly to partner service stations under the remote settlement procedure (you can get information and a referral to a partner from the contact center operator).

Additional advice on the procedure can be obtained from the contact center by calling 044 490 27 47.

3. The European Protocol

What is the Europrotocol?

The Europrotocol in Ukraine gives drivers the right to register minor accidents in a simplified manner without calling the police. It was enacted into law in Ukraine in September 2011.

Registration of an accident using the Europrotocol is a right, not an obligation, for drivers to record an accident in this way. If at least one of the drivers (for whatever reason) does not want to fill out the Europrotocol, the police should be called to the scene of the accident.

A completed Europrotocol form is a full-fledged documentary evidence of an accident, analogous to a police certificate.

The main advantages of registering an accident with the help of the Europrotocol:

  • Time saving for the parties involved in the accident
  • Drivers are exempted from the need to communicate with the police and the court
  • The culprit of the accident does not pay a fine for violation of traffic rules
  • The police do not confiscate driver's licenses at the scene of an accident, there is no need to visit the court to obtain a court order
  • Reducing traffic congestion at the accident scene for other road users

The Europrotocol can be used to document an accident under 5 conditions:

  1. There are no persons injured or killed in the accident
  2. There are only two parties to the accident, both drivers agree with the circumstances of the accident, and one of them admits his or her guilt in the accident.
  3. The parties to the accident have a valid CTPCI (Motor Third Party Liability Insurance) policy
  4. Both drivers have no signs of alcohol or drug intoxication
  5. The amount of damage to the party injured in the accident does not exceed UAH 80,000.
Procedure for registration of an accident using the European Protocol
  1. Take a photo of the car at the scene of the accident and the place of the accident (turn on the geolocation option on the phone you are taking the photo with)
  2. Fill out the Europrotocol at the scene of the accident without changing the condition of the cars
  3. Sign the completed document by both participants
  4. Divide the Europrotocol form between the signatories
  5. Within 3 business days, the culprit shall submit a claim for the insured event to his/her insurance company and hand over his/her part of the completed Europrotocol form.
Tips and basic rules for using the Europrotocol

Under the European Protocol, only material damage up to UAH 80,000 is compensated.

If it turns out that the amount of damage exceeds UAH 80,000, the culprit will have to compensate the rest of the damage on their own.

If you are not sure about the circumstances of the accident or have doubts about the possible amount of damage, call the police!

When exactly do I need to fill out the Europrotocol?

  • Directly at the scene of the accident. Do not move the car from the scene of the accident until the Europrotocol is completely filled out and signed

How many copies of the Europrotocol should be filled out?

  • To register an accident using the Europrotocol, use one Europrotocol form of one of the parties to the accident

How to determine which of the two columns drivers need to fill in?

  • It does not matter which column of the Europrotocol (yellow or blue) is filled in by the culprit and the victim.
  • Each driver fills in his/her part/column of the Europrotocol independently
  • The Europrotocol is filled in with a ballpoint pen, which automatically copies the text on the 2nd sheet
  • The Europrotocol is divided only after it is completed and signed by both drivers involved in the accident
  • It does not matter which of the parties to the accident gets a particular sheet of the Europrotocol (original (sheet 1) or copy (sheet 2))
  • Do not supplement the content of the Europrotocol after it is divided between the participants

What should I do if I made a mistake while filling out the form?

  • Corrections are not allowed when filling out the Europrotocol. If you spoil the form, take a new one
  • You can get a new Europrotocol form at any time from your insurance company.

What if there is not enough space on the form to describe all the circumstances of the accident?

  • Non-standard and additional information about the accident can be reflected in an addendum to the Europrotocol. The addendum should be drawn up in 2 copies, signed and indicated in line 14 of the Europrotocol.
Electronic European Protocol

With the help of the Electronic Europrotocol information system, this notification can be made electronically using a regular smartphone right at the scene of the accident.

The electronic Europrotocol is filled in by the participants in one copy on any mobile device with a camera and Internet access.

The decision of the MTIBU Presidium dated 13.07.17 No. 403/2017 stipulates that from 01.10.2017 the Europrotocol executed in electronic form is a complete analogue of the Europrotocols sent or submitted to the insurer in paper form.

4. What shouldn't be done?

  • Leave the scene of an accident without consulting the insurer's contact center (if only property was damaged). Ignore the need to contact the contact center
  • Do not coordinate your actions with the INGO contact center
  • Repair the damaged vehicle until it is inspected by an INGO representative.
Frequently asked questions
In this section, we have collected the most frequently asked questions from our clients. If you do not find the information you are interested in, please use the feedback form.
Frequently asked questions

Is it possible to repair a car at my service station or at an authorized dealer?

It depends on the insurance program you chose at the time of purchasing the policy. If the terms of your contract do not provide for service at authorized dealer service stations and you are not satisfied with the service station recommended by the insurer, we can transfer the previously agreed amount to you for further independent repairs.

I am the only person involved in the accident and it is impossible to draw up a Europrotocol. At the same time, the police cannot go to the scene or simply do not answer the call. What should I do?

Motor hull insurance contracts provide for the payment of insurance indemnity in the amount of UAH 80 thousand without registration of the event by the police, if this event falls under the definition of the risk of an accident (for example, the driver hit an obstacle). In other cases, we recommend that you take a photo or video of the accident scene and the damage caused and immediately notify the INGO contact center of the occurrence of the event and the impossibility of its recording by the police.

Do I need to call the police to the scene of an accident?

It is not necessary to call the police if the parties have valid MTPL insurance contracts and the damage does not exceed UAH 80,000, there are no victims in the accident, the drivers agree on the circumstances of the accident and show no signs of intoxication. Or if the insured is the only party to the accident, the damage does not exceed UAH 80,000 and such a condition is provided for in his or her motor hull insurance contract. In other cases, it is mandatory to call the police.

The accident was not formalized in any way, no photos were taken. Can I count on a CASCO payment? What documents are required?

In order to pay compensation, the insurance company must have some kind of documentary evidence of the accident: a police report, Europrotocol, or photo and video materials.

If the incident occurred in the areas where military operations are underway, will such losses be subject to compensation?

In any case, register the incident with the insurance company. The contact center specialists will record it for further settlement. It is also advisable to take a photo or video of the damaged car at the scene of the accident and send the materials to Each such loss is considered individually, taking into account the place, causes and circumstances of its occurrence. The decision to recognize the event as insured will be made on the basis of the terms of the insurance contract and the documents provided.