Car insurance is a mandatory and important element of safe driving. But not all drivers know that for OSAGO and CASCO policies you can get it legal discounts, sometimes up to 50%! In this article we tell you, who is eligible for a discount on insurance, how to design it, And what to consider when purchasing a policy.

🔍 What types of car insurance are there?

First, let us remind you: in Ukraine, drivers can take out two types of auto insurance:

  1. OSAGO — compulsory civil liability insurance.

  2. CASCO — voluntary insurance that covers damage to the car itself.

It is for these policies that it is possible discounts, depending on the driver’s category, experience, age, type of car and even the form of registration (online or offline).

🎯 Who can get a discount on car insurance?

✅ 1. Drivers with experience and no accidents

If you:

  • Drive more 3 years;

  • Have not been involved in any traffic accidents in the past 2-3 years;

…you can count on a discount up to 10–15% for CASCO and 5–10% on OSAGO. Some insurance companies even use bonus-malus — a system in which the cost of insurance is reduced annually for accident-free driving.

✅ 2. Pensioners and persons with disabilities

Citizens who have pension status or a certificate of disability group, can receive:

  • Discount on MTPL up to 50%;

  • If available preferential transport vehicle — even more (depending on the car category and insurer).

📝 To receive a discount, you must provide a pension certificate or a document confirming disability.

✅ 3. Participants in combat operations (UBD)

Military personnel, veterans, JFO/ATO/ZSU participants can apply for:

  • Discounts up to 50% on OSAGO;

  • Sometimes - special offers on CASCO (promotions from insurance companies).

To register, you need a UBD document or a war participant certificate.

✅ 4. Drivers who purchase insurance online

Online insurance is not only convenient, but also profitable. Many insurance companies offer online discounts up to 20%, as they save on paperwork and agency commissions.

💻 Where to buy cheaper:

  • Insurer's website directly;

  • Comparative platforms like hotline.finance, strahovka24, etc.

✅ 5. Regular customers of insurance companies

If you insure yourself with the same company every year and do not apply for compensation for losses, you can count on:

  • Personal discounts up to 20–30%;

  • Loyalty programs (bonuses, cashback, gifts);

  • Free evacuation or assistance.

Tip: Before renewing your current insurance, call your company and check what discounts for regular customers available.

✅ 6. Legal entities insuring vehicle fleets

Companies, taxi companies, delivery services, transport companies can receive group discounts, especially with CASCO. The more cars, the higher the percentage of price reduction.

The discount can be from 10 to 50%.

✅ 7. Hybrid and Electric Vehicle Drivers

Some insurance companies in Ukraine encourage eco-friendly transport. For example:

  • Discount on MTPL up to 15%;

  • Special conditions for CASCO insurance for Tesla, Nissan Leaf and other electric cars.

📌 Check the conditions with your insurance company - programs are updated.

✅ 8. Owners of cars with LPG (gas cylinder equipment)

Although LPG is not always a plus for CASCO (the tariff may be increased), sometimes discounts are provided under compulsory motor third party liability insurance up to 10% if the equipment is certified and properly registered.

💼 What documents are needed to receive a discount?

To apply for a discounted policy, please prepare:

  • Passport and Taxpayer Identification Number;

  • Vehicle registration certificate;

  • Driver license;

  • Pensioner's certificate / UBD / certificate of disability (if necessary);

  • Old policy (if renewing).

📉 What other factors influence the price of insurance?

In addition to the driver category and discounts, the price depends on:

  • Cities of registration (in large cities the policy is more expensive);

  • Engine capacity;

  • Age of the car;

  • Driver's experience;

  • History of road accidents.

🛠 Tips on how to get the maximum discount

  • Apply online - it's cheaper;

  • Buy OSAGO and CASCO together - there is often a combo discount;

  • Ask about promotions - especially at the end of the quarter;

  • Check prices from different companies on aggregators;

  • Ask the manager about personal discounts — they are often not advertised.

📌 Conclusion

It is possible to save on insurance - you just need to know who is eligible for a discount And how to design it. It is especially advantageous to take out a policy online, have an accident-free record and use benefits (pension, UBD, disability, etc.).

And if you rent a car in BestRental.com.ua, we have already included a proven insurance policy in the price - no hidden extra charges or risks.

🚗 Insure wisely - and ride confidently!

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