Trailer insurance
Buy an MTPL policy for your trailer online.
Do you need a separate policy for a trailer?
An MTPL policy issued for a car does not extend to a trailer: these are two separate vehicles and two separate contracts.
Article 1 of Law of Ukraine No. 3720-IX explicitly lists trailers as land vehicles. Article 7 of the same Law states that only insured vehicles may be used on the territory of Ukraine.
Driving a vehicle without a valid policy carries a fine of UAH 425 under Article 126(1) of the Code of Ukraine on Administrative Offences. If it is not paid within 15 days, the amount rises to UAH 850.
How much does trailer insurance cost?
There is no longer a single MTPL tariff in Ukraine. Free pricing has applied since 1 January 2025: under Article 12 of Law No. 3720-IX, each insurer sets its own premium using its own tariff calculation methodology. The price for the same trailer therefore differs between companies, and only a quote shows the final figure.
| Pricing factor | How it works |
|---|---|
| Trailer type | Passenger-car and cargo trailers are priced differently |
| City of registration | The tariff depends on the city where the trailer is registered |
| Policy term | A six-month policy costs less than an annual one, but not half as much: shorter terms cost proportionally more |
A cheaper policy does not mean less protection. The sums insured are identical for every insurer — they are set by the Law, not by the company. Deductibles are also prohibited under MTPL contracts (Article 12 of Law No. 3720-IX). Insurers therefore compete on price and service, not on the scope of cover.
Current sums insured:
- injury to life and health — UAH 500,000 per injured person and UAH 5,000,000 per claim;
- damage to property — UAH 250,000 per injured person and UAH 1,250,000 per claim.
How to buy trailer insurance online?
Enter the trailer details in the calculator — type and city of registration
Choose an insurer's offer from the list
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 trailer registration certificate, and the owner's passport and tax ID number.
Since 1 January 2026 MTPL contracts are concluded exclusively in electronic form — paper policies no longer exist. The policy is sent to the email address you provide.
The contract takes effect from the date and time stated in it, but no earlier than the moment the record is entered into the MTIBU Unified Centralised Database. The record is entered once the premium has been paid in full — partial payment does not produce a valid policy.
You can verify that the policy is valid on the MTIBU website using the trailer's licence plate.
Enter the trailer and owner details accurately. A policyholder who submits inaccurate information that reduces the premium must pay the insurer a penalty of five times the premium — capped at 50% of the claim payment (Article 11 of Law No. 3720-IX).
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
Available insurance companies
iPay.ua is an official partner of Ukraine's leading insurance companies.
What you should know about insuring a trailer
The policy does not protect the trailer itself
MTPL covers damage caused to third parties. Damage to, destruction of, or theft of your own trailer is not compensated under this policy. Cargo carried by your vehicle and diminished market value are likewise excluded. Protecting the property itself requires voluntary insurance.
Who pays if the trailer causes an accident
If the trailer was coupled to a car at the time of the accident, the towing vehicle's insurer pays. This also applies where the trailer detached while in motion and continued moving on its own — Article 34 of Law No. 3720-IX states this explicitly.
This does not remove the obligation to insure the trailer. A trailer remains a separate vehicle: it may be towed by another car, rented out, or coupled to a towing vehicle that has no valid policy. In those situations it is the trailer's own policy that responds.
Technical condition matters
If an accident is found to be the direct result of the vehicle's technical condition failing to meet traffic and technical operation rules, the insurer has a right of recourse against the party at fault after paying the claim (Article 37 of Law No. 3720-IX). For trailers this mainly means the coupling device, brakes and lighting.
Six-month policy
A domestic contract is concluded for either six months or one year — the Law provides no other terms for a registered trailer (Article 11). If you use the trailer seasonally, a six-month policy may work out better. It is not, however, half the price: shorter terms cost proportionally more.
If you bought the trailer second-hand
The insurance contract stays in force until the end of its term, and the rights and obligations pass to the new owner. Within 15 calendar days of acquiring ownership you must notify the insurer in writing and provide your details (Article 16). Note that concluding a new contract for the same trailer terminates the previous one early: if the trailer already has a valid policy, buying your own will cancel what remains of it.
Frequently asked questions
Does a car policy cover a trailer?
No. These are two separate vehicles and two separate contracts.
How much does a trailer policy cost?
The exact amount depends on the trailer type, city of registration and policy term. A quote takes a couple of minutes.
Can I buy a six-month policy?
Yes. The Law provides two terms for a registered vehicle — six months or one year.
What should I do if my trailer is involved in an accident?
Notify the insurer no later than three working days after the incident. If the collision involved only two insured vehicles, the damage is limited to the vehicles, nobody was hurt and the drivers agree on the circumstances, you may complete a European Accident Statement without calling the police. Claims are submitted within one year for property damage and within three years for injury to life or health.
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
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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
