In brief:
- Martial law does not cancel insurance contracts — most policies remain valid, but exclusions for military-related damage apply in standard products.
- Gross insurance payouts in Ukraine reached 20.86 billion hryvnias in 2024, with risk insurance growing 19% year-on-year — claims continue to be paid.
- Standard events like road accidents, theft, flooding, and medical emergencies abroad remain covered as long as they are not directly linked to military action.
- ARX offers CASCO, property, travel, and health insurance with online purchase and claim handling available across key everyday risks.
Insurance in Ukraine continues to operate under martial law, but with important differences in coverage, exclusions, and claim procedures. Understanding what your policy covers — and what it does not — is essential before filing a claim or buying new coverage.
This article is relevant for drivers, property owners, and families in Ukraine who hold active policies or are considering buying coverage. Insurance Company «ARX» offers car insurance, CASCO, Green Card, travel, health, property, and life insurance with online purchase and claim handling across key everyday risks.
What martial law means for insurance contracts
Martial law does not automatically cancel insurance contracts. Most policies signed before or during the war remain legally valid for their full term. However, most contracts include exclusions for events directly caused by military action, shelling, or armed conflict — meaning damage from these causes is typically not covered under a regular policy, regardless of who caused it.
What is typically excluded
Standard policies exclude a defined set of wartime events:
- Direct damage from shelling, missiles, or drone strikes.
- Destruction caused by armed conflict or military operations.
- Property damage in active combat zones.
ARX developed CASCO «Iron Dome» specifically to address this gap — covering vehicle damage from missiles, drones, debris, and blast waves outside active combat zones.
What insurance still covers
Standard insured events continue to apply as long as they are not directly connected to military action. Gross insurance payouts in Ukraine reached 20.86 billion hryvnias in 2024 — valid claims continue to be processed. Events that remain covered:
- Road accidents not related to military activity.
- Theft, fire, or flooding unrelated to combat.
- Medical emergencies during travel abroad.
- Property damage from non-military causes such as burst pipes or electrical faults.
Key terms to know
MTPL covers damage caused to other road users in standard traffic accidents — mandatory for all drivers.
CASCO covers your own vehicle against damage, theft, and fire — provided the cause is not directly linked to military action.
Property insurance covers damage from events such as fire, flooding, or accidental damage — subject to contract exclusions.
How to file a claim during martial law
Risk insurance payouts grew 19% year-on-year in 2024 — filing a claim correctly and on time remains both possible and worthwhile. Before filing, prepare the following:
- Your policy number and contract details.
- Documentation of the event — photos, police report, or official confirmation.
- A written description of what happened, when, and where.
Report the claim as quickly as possible. Most insurers accept claims by phone, online form, or mobile app.
What to check in your current policy
Before an incident occurs, review your policy for the following — most issues that complicate claims are avoidable with a quick check:
- Whether war or military action is listed as an exclusion.
- Whether there are territorial restrictions on coverage.
- Whether digital claim submission is available.
Insurance under martial law is not suspended, but it is more complex than in peacetime. Knowing what your policy covers gives you a realistic picture of the protection you actually have.
