What is OSAGO and why do it?

OSAGO is mandatory civil auto insurance that every driver must take out after buying a car. OSAGO operates only on the territory of Ukraine, but you cannot use a car without it.

It is necessary to take out insurance, as the policy will cover the damage that the car receives in any road accident. But that's not all, the absence of a policy or its delay means fines for drivers. The cost of insurance, the amount of payments and coverage is determined individually. Oranta insurance will help you get an electronic policy and feel safe on the road.

Insurance claims

What is an insured event? These are situations on the road, regardless of the degree of complexity of the consequences. For example, when the car skidded on a snowy road and this provoked a collision. Or the accident happened because of the sudden failure of your car's brakes. The policy covers any cases in which you were the culprit of the collision or accident. In such a situation, the insurance company will pay the injured party money for repairs and treatment, if necessary.

Insurance sums under OSAGO are as follows:

1. If the damage is caused only to the car, the amount will be up to 130 hryvnias.
2. If the damage was caused to health, the amount of coverage is up to 260 hryvnias per victim.
3. If the drivers did not call the police and limited themselves to the European protocol, the insurance amount will be up to 50 hryvnias.

The policy makes it possible to increase the insured amount up to 1 hryvnias. The limit can be increased upon request at the time of purchase of the policy, or after it.

Who may not issue a policy

According to the law of Ukraine, there are privileged categories of citizens who may not issue OSAGO. These include:

1. Participants of military operations in Ukraine, who suffered as a result of the revolution, as well as people who became disabled because of the war.
2. Disabled people of the first category, who personally drive a car.
3. People who drive a car of a disabled person of the first category, in his presence.

Compulsory civil liability insurance can be issued online, an electronic policy is equivalent to a paper policy and has the same legal force. Such services are offered by the Oranta company, where you can get OSAGO in 5 minutes by filling out an application on the site.

All Orant clients who received OSAGO can use the convenient service of a technical assistant for the period of its validity. This is the towing of the car when it breaks down to the place of repair or maintenance. The service is free, in any city and point of Ukraine.