{"id":786505,"date":"2025-10-06T13:53:28","date_gmt":"2025-10-06T10:53:28","guid":{"rendered":""},"modified":"2025-10-06T13:58:46","modified_gmt":"2025-10-06T10:58:46","slug":"avtotsyvilka-pry-zmini-vlasnyka-avto-shho-potribno-znaty-prodavtsyu-ta-pokuptsyu","status":"publish","type":"post","link":"https:\/\/new.eba.com.ua\/en\/avtotsyvilka-pry-zmini-vlasnyka-avto-shho-potribno-znaty-prodavtsyu-ta-pokuptsyu\/","title":{"rendered":"Car Liability Insurance (OSAGO) When Changing Car Ownership: What Sellers and Buyers Need to Know"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-677745 size-full\" src=\"https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj.jpg\" alt=\"\" width=\"720\" height=\"405\" srcset=\"https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj.jpg 720w, https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj-300x169.jpg 300w, https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj-650x366.jpg 650w, https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj-570x320.jpg 570w, https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj-270x152.jpg 270w, https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj-125x70.jpg 125w, https:\/\/new.eba.com.ua\/wp-content\/uploads\/2025\/10\/lgcnw8walmsdf0xj-100x56.jpg 100w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/p>\n<p style=\"font-weight: 400;\">Buying or selling a car? It\u2019s important to understand what happens with <strong>compulsory car liability insurance (OSAGO)<\/strong> when the vehicle changes ownership. According to the law, the active insurance contract remains valid, and all rights and obligations under it transfer to the new owner. However, there are nuances you should consider to avoid unpleasant surprises.<\/p>\n<p style=\"font-weight: 400;\"><strong>For the Seller:<\/strong><\/p>\n<p style=\"font-weight: 400;\">When selling a car, remember the main rule: <strong>after the sale, you lose the right to terminate the OSAGO contract and get a refund of the unused premium.<\/strong> These rights are transferred to the new owner.<\/p>\n<p><strong>How to avoid problems:<\/strong><\/p>\n<ul>\n<li><strong>Discuss the insurance with the buyer:<\/strong> Talk in advance about the active OSAGO policy. Inform the buyer about its conditions and possible restrictions (e.g., driver\u2019s age, mileage, usage conditions).<\/li>\n<li><strong>If the buyer does NOT want your insurance:<\/strong> Terminate the contract early and get a refund for the unused premium <strong>before the sale<\/strong>. After the sale, you won\u2019t be able to do this.<\/li>\n<li><strong>If the buyer WANTS your insurance:<\/strong> Agree on financial compensation for the unused term of the policy. After the transfer of ownership, all rights to the contract (including the possibility of getting a refund if the policy is canceled or replaced) pass to the new owner<\/li>\n<\/ul>\n<p><strong>For the Buyer:<\/strong><\/p>\n<p>When buying a car with active OSAGO, pay attention to several key points:<\/p>\n<ul>\n<li><strong>Check the validity of the policy:<\/strong> Always confirm that the policy is active. This can be done via an official link\/check.<\/li>\n<li><strong>Review the conditions:<\/strong> Carefully read the contract. Are there restrictions that may not suit you (e.g., driver\u2019s age, mileage limits, or if it was issued under a beneficiary program)?<\/li>\n<li><strong>If the contract suits you:<\/strong> You can use it until expiration. <strong>Important:<\/strong> within 15 calendar days from the purchase date, you must notify the insurance company in writing about the ownership change and provide your personal details.<\/li>\n<li><strong>No need to amend details:<\/strong> The law does not require updating the contract with your name, contact details, or new license plate number. The contract continues to be valid as is.<\/li>\n<li><strong>If the conditions don\u2019t suit you:<\/strong> (e.g., restrictions that don\u2019t apply to you, or you don\u2019t qualify for the discount) \u2014 sign a new OSAGO contract. This is the safest option.<\/li>\n<\/ul>\n<p><strong>What if the OSAGO policy suddenly becomes invalid?<\/strong><\/p>\n<p>If you discover that your OSAGO policy has been terminated early after purchase (even though you didn\u2019t cancel it):<\/p>\n<ul>\n<li><strong>Contact the insurer:<\/strong> Immediately reach out to the insurance company that issued the policy for clarification.<\/li>\n<li><strong>Demand your rights:<\/strong> If the policy was canceled after ownership transfer without your initiative, this is a violation of the law. You have the right to demand that the insurer restore your rights.<\/li>\n<\/ul>\n<h4><strong>Special Case: OSAGO With 50% Discount (Article 13 of the Law)<\/strong><\/p>\n<p>This often causes confusion.<\/p>\n<p><strong>If you are the seller:<\/strong><\/h4>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Be careful:<\/strong> If you sell a car insured with a 50% discounted OSAGO, you cannot use the same discount for a new policy on another car until the current policy expires.<\/li>\n<li style=\"font-weight: 400;\"><strong>Why?<\/strong> The law limits the use of this discount \u2014 it can only be applied if there are no other active discounted policies under your name.<\/li>\n<li style=\"font-weight: 400;\"><strong>What to do?<\/strong> To avoid this, terminate the discounted OSAGO before selling the car. Alternatively, ask the buyer to sign a new policy under their name, which will automatically cancel your old one.<\/li>\n<\/ul>\n<p><strong>If you are the buyer:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Check eligibility:<\/strong> A 50% discounted OSAGO can only be used by drivers who qualify as beneficiaries under the law, and the vehicle must also belong to such a person.<\/li>\n<li style=\"font-weight: 400;\"><strong>Risks:<\/strong> If conditions are violated (e.g., a non-eligible driver uses the car), the insurer may issue a <strong>regress claim<\/strong> against the responsible driver. That means the insurer will compensate the victim but then demand reimbursement from you.<\/li>\n<li style=\"font-weight: 400;\"><strong>Recommendation:<\/strong> If you or other drivers don\u2019t belong to the categories defined in Article 13, it\u2019s strongly advised to sign a standard OSAGO contract. This will protect you from potential issues.<\/li>\n<\/ul>\n<p><strong>Key Takeaways:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\">Always discuss OSAGO when buying or selling a car.<\/li>\n<li style=\"font-weight: 400;\"><strong>Sellers:<\/strong> If you want to get a refund for the unused premium, terminate the policy before selling.<\/li>\n<li style=\"font-weight: 400;\"><strong>Buyers:<\/strong> Verify the policy validity and conditions. Notify the insurer of the ownership change.<\/li>\n<li style=\"font-weight: 400;\">Be extra careful with <strong>\u201cbeneficiary\u201d policies (50% discount)<\/strong> \u2014 they have strict restrictions.<\/li>\n<li style=\"font-weight: 400;\">Issuing a new OSAGO policy for the same car automatically cancels the previous one from the date and time the new one becomes effective.<\/li>\n<\/ul>\n<p><strong>Important Notes:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\">Conscious and responsible treatment of your OSAGO contract ensures reliable insurance protection in the future.<\/li>\n<li style=\"font-weight: 400;\">Although the new OSAGO law has been in force for 9 months, Ukrainians still have many questions, especially about what happens during a car sale if there is an active policy.<\/li>\n<\/ul>\n<p><strong>Summary:<\/strong><\/p>\n<p>If you\u2019re selling, terminate the policy in advance unless you\u2019re ready to give it to the buyer, or agree on compensation for the unused term.<\/p>\n<p>If you\u2019re a beneficiary (50% discount), be careful: you won\u2019t be able to apply the discount to a new car until the old policy expires. The privilege cannot be used twice.<\/p>\n<p>Buyers should agree on the policy\u2019s \u201cfate\u201d with the seller before purchase.<\/p>\n<p>If the seller doesn\u2019t cancel the policy and it transfers to you, then all rights and obligations transfer as well.<\/p>\n<p>No need to amend the policy \u2014 it remains valid even if the contract still lists the seller\u2019s name or old license plate. Verification is always done by VIN, which doesn\u2019t change with ownership.<\/p>\n<p>If you still need to update details (like the license plate), contact your insurer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying or selling a car? It\u2019s important to understand what happens with compulsory car liability insurance (OSAGO) when the vehicle changes ownership. According to the law, the active insurance contract remains valid, and all rights and obligations under it transfer to the new owner. However, there are nuances you should consider to avoid unpleasant surprises. [&hellip;]<\/p>\n","protected":false},"author":4489,"featured_media":677745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[15576,15575],"tags":[],"class_list":["post-786505","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-and-articles-en","category-news-and-articles-from-companies-en","company-17009"],"_links":{"self":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/posts\/786505","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/users\/4489"}],"replies":[{"embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/comments?post=786505"}],"version-history":[{"count":0,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/posts\/786505\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/media\/677745"}],"wp:attachment":[{"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/media?parent=786505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/categories?post=786505"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.eba.com.ua\/en\/wp-json\/wp\/v2\/tags?post=786505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}