Amid rising risks from drone attacks and military actions, car insurance in Ukraine becomes essential protection, not just a legal formality.
During wartime in Ukraine, property damage has become a daily risk. Cars, in particular, are vulnerable to unexpected events like drone strikes and rocket debris. In this environment, insurance is no longer a formality — it is a real necessity. A special type of car insurance, called Mini Hull (or Mini CASCO), offers reliable protection for both locals and foreigners.
This article highlights how car insurance works in Ukraine through a real example involving a tourist from Switzerland.
In 2025, a Swiss tourist visited Ukraine. Before the trip, he purchased Mini Hull insurance for his vehicle via the Visit Ukraine portal. This policy included coverage for military risks. On the night of March 19, 2025, during a drone strike on Gostomel, his car was destroyed.
The insurance company, Innovative Insurance Capital, confirmed the damage after inspection. Because the policy covered wartime risks, the tourist received full compensation based on the insured amount.
Mini Hull insurance is a simplified version of standard Hull insurance. It covers major risks such as explosions, fires, natural disasters, and damage caused by war, including drone strikes.
This type of insurance offers many advantages. First, it is affordable and easy to get. You don’t need to visit an office or have the car inspected. Everything is done online, and the policy works for foreigners, too.
In Ukraine’s current situation, with ongoing threats from rockets and drone attacks, having insurance like Mini Hull is critical. Damage from war is no longer a rare event but a daily reality. Insurance helps people get back on their feet quickly after suffering losses.
Getting Mini Hull insurance is a fast and simple process. Here is how to do it:
1. Visit the Visit Ukraine portal and choose your citizenship.
2. Select the insurance period, vehicle type, and start date. Choose a package — Economy, Basic, or Maximum with war risk coverage — and click ‘Purchase’.
3. Fill in the car details and select ‘Ukraine’ as the destination.
4. Enter the owner’s details exactly as shown in the passport. If there is no tax ID, use zero.
5. Confirm and accept the contract terms. A code will be sent to your email.
6. Enter the code, make the payment, and receive your Mini Hull policy by email
This whole process takes only a few minutes. Whether you are a resident or a visitor, this insurance gives you real peace of mind during a dangerous time.
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