Insurance Disputes 2026: Ukraine

What mechanism do insurance policies usually provide for resolution of disputes between the insurer and policyholder?

Is there a protocol governing pre-action conduct for insurance disputes?

Are local courts adept at handling complex insurance disputes?

Is alternative dispute resolution mandatory?

Are successful policyholders entitled to recover costs of insurance disputes from insurers?

Is there an appeal process for court decisions and arbitral awards?

How much information is the policyholder required to disclose to the insurer? Does the duty of disclosure end at inception of the policy?

What remedies are available for breach of the duty of disclosure, and is the policyholder’s state of mind at the time of providing the information relevant?

Are certain types of provisions prohibited in insurance contracts?

To what extent is a duty of utmost good faith implied in insurance contracts?

Do other implied terms arise in consumer insurance contracts?

Are there limitations on insurers’ right to rely on defences in certain types of compulsory insurance, where the policy is designed to respond to claims by third parties?

What is the usual trigger for cover under insurance policies covering first party losses, or liability claims? Are there limitation periods for the commencement of an action against the insurer?

Which types of loss are typically excluded in insurance contracts?

Do the courts typically construe ambiguity in policy wordings in favour of the insured?

Does a ‘but for’ or ‘proximate’ test of causation apply, and how is this applied in wide-area damage scenarios?

What is the legal position if loss results from multiple causes?

What remedies are available to insurers for breach of policy terms, including minor or unintentional breaches?

Where a policy provides cover for more than one insured party, does a breach of policy terms by one party invalidate cover for all the policyholders?

Where insurers decline cover for claims, are policyholders still required to comply with policy conditions?

How is quantum assessed, once entitlement to recover under the policy is established?

Where a policy provides for reinstatement of damaged property, are pre-existing plans for a change of use relevant to calculation of the recoverable loss?

After paying claims, are insurers able to pursue subrogated recoveries against third parties responsible for the loss? How would any such recoveries be distributed as between the insurer and insured?

Is there a right to claim damages in the event of late payment by an insurer?

Can claims be made against insurance policies taken out by companies which have since become insolvent?

To what extent are class action or group litigation options available to facilitate bulk insurance claims in the local courts?

What are the biggest challenges facing the insurance disputes sector currently in your region?

How do you envisage technology affecting insurance disputes in your jurisdiction in the next 5 years?

What are the significant trends and developments in insurance disputes within your jurisdiction in recent years?

Where in your opinion are the biggest growth areas within the insurance disputes sector?