Motorcycle insurance online — electronic MTPL policy
Compare offers from insurance companies and get a policy for your motorcycle, scooter or moped in minutes.
Plate not in the database or the motorcycle was just registered? Switch to the “By vehicle details” tab.
How to buy motorcycle insurance online?
Enter the licence plate or the motorcycle details
Compare offers from insurers that cover motorcycles
Fill in the owner's details and confirm your phone number with the SMS code
Pay by card and receive the completed policy by email
What you will need: the vehicle registration certificate, the owner's passport or ID card, and taxpayer identification number.
Which motorcycles can be insured
The law treats all two-wheelers as a single vehicle type, so the same pricing rules apply to motorcycles, motor scooters, mopeds and scooters — only engine capacity differs.
Mopeds, motor scooters and scooters
up 300 cc
Motorcycles
over 300 cc
How much does motorcycle insurance cost
There is no longer a single MTPL tariff. Under Article 12(1) of Law of Ukraine No. 3720-IX of 21 May 2024, each insurer sets the policy price using its own tariff methodology. As a result, different insurers quote different prices for identical motorcycle and rider details.
What insurers take into account:
| Pricing factor | How it works |
|---|---|
| Engine capacity | Two tariff groups: up to 300 cc (scooters, mopeds, light motorcycles) and over 300 cc. A policy for a motorcycle over 300 cc costs roughly twice as much. |
| City of registration | The tariff depends on the city where the motorcycle is registered. |
| Rider's age | Younger riders pay more: insurers treat limited driving experience as higher risk. |
| Policy term | A six-month policy costs about 70% of the annual price, saving roughly 30%. Per month, however, the short policy is about 40% more expensive. There is no option in between: under Article 11 of Law No. 3720-IX a domestic policy is issued for either six months or one year. |
| Year of manufacture | Some insurers take the motorcycle's age into account |
EXAMPLE
Scooter up to 300 cc, regional capital
Rider aged 35, 12-month policy
over 1170 UAH
EXAMPLE
Motorcycle over 300 cc, regional capital
Rider aged 35, 12-month policy
over 2341 UAH
EXAMPLE
Motorcycle over 300 cc, regional capital, seasonal policy
Rider aged 35, six-month term
over 1639 UAH
Prices were calculated in the iPay.ua calculator as of 1 August 2026 and show the lowest offer among the insurers available for the parameters listed. Each insurer sets its own tariff, so the price for your motorcycle may differ.
Available insurance companies
iPay.ua works with insurers licensed by the National Bank of Ukraine to provide compulsory civil liability insurance.
What does an electronic MTPL policy look like?
The policy is issued as a PDF with a unique number recorded in the MTIBU database. Once purchased, the active policy is sent to the customer's email.
Sample policyPolicies issued through iPay.ua come directly from the insurance companies
What is specific about motorcycle policies
Do you need a policy if the motorcycle is kept in a garage over winter?
The obligation to hold a valid policy is tied to the use of the vehicle: the policy must be in place before the motorcycle enters public roads, regardless of the purpose or length of the trip. If the motorcycle stays on private property all winter, no policy is required for that period.
But the moment you ride out — even one kilometre to the workshop — the policy must already be valid. It has no retroactive effect: an incident that occurs before the start date is not covered.
A six-month policy: who benefits
A seasonal policy is a normal choice for motorcycles, which are mostly unused in winter.
A six-month policy costs more than half the annual price: by our calculations it is about 70% of the annual premium, a saving of roughly 30%. On a per-month basis, the short policy works out about 40% more expensive.
The maths is simple: if your riding season fits within six months, the seasonal policy is cheaper. If you ride in both March and October, you need the annual one — there is nothing in between. Availability of the six-month policy depends on the insurer.
How mopeds and scooters are insured
Mopeds are explicitly listed as land vehicles: Article 1(1)(4) of Law of Ukraine No. 3720-IX names the categories — cars, motorcycles (including motor scooters and sidecar motorcycles), mopeds, and car trailers. The obligation to hold a valid MTPL policy therefore applies to a moped exactly as it does to a motorcycle, regardless of engine capacity.
This used to be contested: the previous law defined a vehicle by reference to mandatory state registration, so owners of mopeds under 50 cc believed no policy was required. Since 1 January 2025 that argument no longer holds.
Mopeds and scooters are rated on the same parameters as motorcycles; the price difference comes mainly from engine capacity, and in the calculator they fall into the “up to 300 cc” group.
Registration is a separate matter. A policy is issued for a vehicle that has a registration certificate and a licence plate. Mandatory moped registration has applied since 1 January 2010. If your scooter is not registered, register it at an MIA service centre first, then buy the policy.
Penalties for riding without a policy
Riding without a valid MTPL policy is an administrative offence under Article 126(1) of the Code of Ukraine on Administrative Offences. The fine is UAH 425 (25 tax-free minimum incomes). If it is not paid within 15 days, the amount rises to UAH 850.
The fine is the cheaper part. If the driver at fault had no valid policy, MTIBU compensates the victim from the victims' protection fund and then recovers that amount from the driver by way of recourse. For a motorcyclist this can be dozens of times the price of the policy.
Patrol officers verify the policy in the MTIBU database.
Sources
- Law of Ukraine “On Compulsory Civil Liability Insurance of Owners of Land Vehicles” No. 3720-IX (version in force from 1 January 2026) - https://zakon.rada.gov.ua/laws/show/3720-20
- Code of Ukraine on Administrative Offences (Articles 126, 307, 308) — https://zakon.rada.gov.ua/laws/show/80731-10
- Data from the MTIBU centralised database — https://www.mtsbu.ua
Why drivers in Ukraine trust iPay.ua
Compare motorcycle prices from leading insurance companies in one place
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Operating since 2008 and processing millions of payments every month
Information about the insurance intermediary
UDC LLC acts as a subagent under Agency Agreement No. 2710 dated October 27, 2025, with YINSHUR LLC.
Information about the insurance intermediary UDC LLC: Ukraine, 04080, Kyiv, 45-A Nizhnyurkivska Street. Registration number in the intermediaries’ registry: 00023310; date of registration in the intermediaries’ registry: November 25, 2025. EDRPOU code: 35962030.
“YUINSHUR” LLC. Location: Ukraine, 61001, Kharkiv Oblast, Kharkiv, Heroes of Kharkiv Ave., 57/63, Office 57. Legal Entity Identification Code (EDRPOU) 45581136. No. 00004153, https://kis.bank.gov.ua/search-fu
