Housing supply in Ukraine remains limited due to a lack of funding sources for developers and the effects of shelling, according to the NBU’s financial stability report for December 2025.
According to the regulator, the area of housing commissioned in the first half of 2025 corresponds to the figure for the same period last year, but the share of apartments in this structure has decreased. According to the NBU, the supply is mainly replenished by the completion of long-started residential complexes, while new projects are launched extremely rarely and mainly in the western regions.
Separately, the NBU emphasizes the impact of air strikes: in the first nine months of 2025, more than twice as many homes were damaged by shelling than in the same period last year.
In August 2025, Express Insurance paid more than UAH 1.8 million to seven car owners from Kyiv, Dnipro, Zaporizhzhia, Sumy, and Mykolaiv region for cars damaged by falling rocket debris and UAVs, according to the insurer’s website.
In addition, it is noted that August saw the highest number of incidents caused by natural disasters since the beginning of the year. The total amount of payments for these incidents reached almost UAH 1 million. Hail was a frequent cause of damage, and there were also reports of trees and roof debris falling due to strong winds. The events took place both in the capital and in the regions, in particular in Khmelnytskyi, Uzhhorod, Zakarpattia, and Chernihiv regions.
In August, the company settled a total of 608 insurance claims under CASCO and OSAGO contracts. Of these, 448 claims were under CASCO, and another 160 were under compulsory civil liability insurance.
The total amount of insurance payments at the end of the month was UAH 43.6 million, including UAH 35.4 million for CASCO and UAH 8.2 million for CMTPL.
Incidents under CASCO contracts this month traditionally involved traffic accidents (88%). In addition, customers filed claims due to unlawful actions of third parties (7%), natural disasters (3%), and events caused by military actions (2%).
In 58% of cases involving MTPL policies, the victims filed insurance claims with the participation of the police, and another 42% followed the Europrotocol procedure. The largest payments in August to victims under CMTPL policies amounted to UAH 250,000 for property damage due to traffic accidents in Kyiv and Dnipro, and UAH 320,000 for health damage to a victim of a traffic accident in Kyiv.
Express Insurance was founded in 2008.
