S. Berezina, PhD in Economics, Associate Professor Taras Shevchenko National University of Kyiv, Kyiv, Ukraine COMPULSORY INSURANCE OF CIVIL LIABILITY OF OWNERS OF VEHICLES: PROBLEMS AND SOLUTIONS

In this article the necessity of finding new ways to optimize motor insurance system to improve the quality and availability of insurance services was made. The necessity of the improvement of quality in services of compulsory insurance of vehicle owners’ civil liability through the system of direct indemnity for losses is grounded in the article. The results of theoretical analysis and generalization of opportunities and practical measures as for putting into practice in Ukraine the direct indemnity for losses according to this type of insurance taking into account the experience of other countries are represented. The advantages of the innovative method for insurer and insured were highlighted.

Key words: motor insurance, the direct indemnity for losses, compulsory insurance of vehicle owners’ civil liability, insurer, insured, third party.

Date of submission 28.05.16

DOI: http://dx.doi.org/10.17721/1728-2667.2016/184-7/1


  1. Bazylevych, V.D., 2014. Insurance services. Textbook. Kyiv: Logos, 544 p.
  2. Gamankova, O.O., 2009. Insurance industry Ukraine : theory, methodology, practice. Monograph. Kyiv: KNEU, 283 p.
  3. Osadets,S.S., 2007. Insurance services. Textbook. Kyiv : KNEU, 464 p.
  4. Zaletov, O.M., 2012. Car insurance system in road safety. Monograph. Kyiv: International agency “BeeZone”, 509 p.
  5. Ivanyuk, I., 2009. Trends and challenges of the market of compulsory insurance of civil liability of vehicle owners. Financial services, 1-2, pp. 20-22.
  6. LIbIh, K.O., 2011. Direct compensation insurance of civil liability of owners of vehicles. Finance, accounting and auditing,18, pp. 129-136.
  7. Mezhebitskiy, M., 2010. Direct regulation : international experience and prospects for implementation in Ukraine. Financial services, 3-4, pp. 17-19.
  8. Global status report on road safety 2015. World Health Organization. http://www.who.int/violence_injury_prevention/road _safety_status/2015/en/
  9. Statistics of accidents in Ukraine .Office of Road Safety. http://www.sai.gov.ua/ua//ua/static/21.htm
  10. On compulsory insurance of civil liability of vehicle owners. Law of Ukraine on July 1,2004 N 1961 -IV. http://zakon2.rada.gov.ua/laws/show/1961-15.
  11. The National Commission for Regulation of Markets of Financial Services. http://nfp.gov.ua/
  12. What is the cost of CTP abroad? Infographics. http://ria.ru/infografika/20131125/979473299.html
  13. Zhuravko, E.A., Danilovskih, T.E., 2014. CTP, its problems and solutions. International Journal of Applied and Basic Research, 3-8, pp.114-117.
  14. Prikazyuk, N.V., 2015. New vectors of motor insurance in Ukraine. Bulletin of Taras Shevchenko national university of Kyiv. Economics, 3(168), pp.37-46. http://dx.doi.org/10.17721/1728-2667.2015/168-3/6
  15. James, M., 2010. The U.S. Experiencewith No-Fault Automobile Insurance. Monograph. Santa Monica: RAND Corporation, 190p.
  16. Grishan, Y., 2012. Can stop dumping in CTP. Financial Services, 6(96), pp. 24-26.
  17. Prikazyuk, N.V., Motashko, T.P., 2014. The role of the Internet in the implementation of insurance. Bulletin of Taras Shevchenko national university of Kyiv. Economics, 156, pp. 45 – 52. DOI: http://dx.doi.org/10.17721/1728-2667.2014/156-3Z9
  18. ” On Insurance” Law of Ukraine of 07.03.1996 number 85/ 96- BP http://zakon3.rada.gov.ua/laws/show/85/96-vr.
  19. Motor Transport Insurance Bureau of Ukraine [ site ].http://www.mtsbu.ua/ru/about_us/general/
  20. Evaluation of insurers. Motor Transport Insurance Bureau of Ukraine [ site ]. http://www.mtsbu.ua/ru/statistics/
  21. European Insurance in Figures. Insurance Europe. Insurance Europe Statistics,46. http://expres.ua/auto/2016/02/22/174495-vidriznyayetsya-kilkist- avtomobiliv-dushu-naselennya-ukrayini-yes January 2013.
  22. Results of Insurance Companies in 2011. http://nfp.gov.ua/files/OgliadRinkiv/SK/SK_IV_kv_pdf
  23. Results of Insurance Companies in 2012. http://nfp.gov.ua/files/OgliadRinkiv/SK/SK_IV_kv_pdf
  24. Results of Insurance Companies in 2013. http://nfp.gov.ua/files/OgliadRinkiv/SK/sk_pdf
  25. Results of Insurance Companies in 2014. http://nfp.gov.ua/files/sektor/sk_pdf
  26. Results of Insurance Companies in 2015. http://nfp.gov.ua/files/DepFinMon/zvitni_dani/sk_pdf
  27. How different number of cars per capita in Ukraine and the http://expres.ua/auto/2016/02/22/174495-vidriznyayetsya-kilkist-avtomobiliv-dushu- naselennya-ukrayini-yes
  28. 7 direct settlement benefits for MTPL customers – new challenges for insurers. Forinshurer: claim settlement. http://forinsurer.com/news/ 15/12/10/33297
  29. Direct claims settlement MTPL in Ukraine can be entered in January 2016. Forinshurer: Insurance. http://forinsurer.com/news/14/11/14/31753
  30. Kamneva, A. V., 2011. Methodical approach for choosing the direction of civil liability insurance of vehicle owners. Biznesinform, 4, pp.119-122
  31. The provisions of a single centralized database on compulsory insurance of civil liability of owners of vehicles 09.07.2010 N 566 . http://zakon4.rada.gov.ua/laws/show/z0691-10/print1389890191796144
  32. Why do bu Polis voluntarily insurance of civil liability. Forinshurer: OSAGO in Ukraine. http://osago-insurance.com/review/205
  33. Direct compensation for CTP : rules and exceptions. Prostobank.ua: http://www.prostobank.ua/finansovyy_gid/strahovanie
  34. The Antimonopoly Committee of Ukraine[ site ]. http://www.amc.gov.ua/amku/control/main/uk/index


  • pdf 184-6-14
    File size: 472 kB Downloads: 49