Insurance culture in Ukraine is at the stage of development. Many people still mistrust insurance or do not realize its importance, hoping for the grace of fate, their experience and precaution.

After talking with a representative of the Wiu online insurance service, we learned in more detail about the OSAGO policy, its meaning, the execution of such a document in Ukraine and about discounts for service customers.

- So, let's start with the main thing: what is OSAGO? What kind of policy are we talking about?

- OSAGO is “Compulsory insurance of civil liability of vehicle owners”. The people often call it "Avtograzhdanka" or "Avtocivilka". This is a compulsory type of insurance for car owners.

- Why issue it? Why is it necessary?

- In terms of its significance, such a document is hardly inferior to a driver's license or registration certificate. This is mandatory, as required by the Law of Ukraine. According to the law, if a driver who has an MTPL policy gets into an accident, the insurance company will cover his expenses for damages to the injured party. And this, believe me, is sometimes quite high sums.

- What happens if you do not issue this certificate?

- Do not arrange - the pleasure is not cheap. The point is not even that the driver can be fined due to the absence of this document. And the fact is that if an accident does happen - and, unfortunately, even very experienced motorists get into an accident - then you will have to pay a fine for the lack of insurance, and reimburse the injured party from your pocket.

- Yes, quite a weighty argument to issue OSAGO. Why is it convenient to do it on "wiu.com.ua"?

- Our insurance company is approached by those who value their time, an easy and convenient approach to resolving issues. You can be anywhere and draw up a document in a few clicks: go to the website https://wiu.com.ua/osago , select the insurance conditions and fill out a special form. Further, our client receives a calculation for the selected insurance package, as well as a list of insurance companies where you can take out insurance. In a few minutes the policy will be ready. You can pay for it online on the website or in cash upon receipt. Delivery is carried out by Nova Poshta or by courier.

- What companies do you cooperate with? And wouldn't it be cheaper to buy a policy directly on the insurance website?

- We cooperate with firms: "Oranta", "Dominanta", "Kiev Re", "ASKA", "Alfa Garant". Regarding the price, it is not higher on the WIU service than on the websites of insurance companies. In addition, the service often provides customers with discounts at the expense of its commission. Discounts are provided for beneficiaries and pensioners: according to the law, for these categories of citizens, a discount of 50% of the base cost is provided.

- Let's imagine that the owner of the MTPL got into an accident. What needs to be done to receive compensation?

- Firstly, do not touch anything at the accident site, do not move or move. The police will draw up a protocol and enter everything there to the smallest detail. Secondly, when the police officers arrive, make sure that the contract is correctly drawn up in the presence of you and other participants in the traffic accident. It is also necessary to make a note in this protocol about whether the car is insured. Just in case, it is also recommended to take a photo or video from the scene of the accident, this may come in handy during the trial. Regardless of who is to blame for the accident, the first step is to contact the insurance company. If another driver is to blame for the accident, then, as I have already noted, you need to inform your insurance company about the accident within 3 working days. Then you need to draw up a statement to the insurance responsible for the accident and send the insurance agent all the necessary documentation in order to receive compensation.

- And if, for example, I am to blame for the accident?

- You also need to contact your insurance company and report the accident within 3 business days. Further, the company's employees will familiarize themselves with the case materials, conduct their own investigation and pay damages to the injured party in accordance with your policy.

Have not yet decided where to issue an MTPL policy? Then the online insurance service will help you with this by offering several profitable options at once. Nobody is insured against road accidents, but they are insured against cost overruns with Wiu.

Online insurance WIU