Health

My health

Ensure timely medical assistance for your employees.

Ensure your team has reliable support and access to quality medical services

Travel

My business travel

Show care for your employees by ensuring their confidence during business trips.

Take care of your team during business trips.

Accident

My business protection

Insurance for loss of ability to work due to injury, poisoning, or other events.

Life

My life

Attract talented employees who value additional social benefits. Create a positive work environment.

Increase the attractiveness of the company as an employer by providing financial support to employees' families in case of unforeseen events with UNIQA Life.

Staff

Employee insurance helps ensure the health and well-being of staff, which contributes to their loyalty and productivity.

Casco

My Casco business

Repair and restoration of vehicles without hassle, minimizing downtime and ensuring the uninterrupted operation of your fleet.

My Casco business pro

Special equipment insurance will protect your equipment from unforeseen situations, ensuring uninterrupted operation.

A step towards safety and confidence on the road

MTPL

My MTPL business

Mandatory insurance for owners of car fleets that provides compensation to those injured in accidents that occurred due to the fault of the fleet's driver.

My MTPL business pro

Voluntary auto liability insurance extends protection. It covers damages that may exceed the limits set by mandatory auto liability insurance.

We care about your responsibility

Direct settlement

My protection from others' mistakes business pro

Don't wait for a payout from another insurance company; get the money for car repairs from your own company.

Receive an insurance payout at your company

Car insurance

Together with the best insurance programs from UNIQA

Real estate

My property pro

Property insurance against adverse factors that may lead to a forced production interruption.

Take care of protecting your business property and equipment.

Own business

My beloved business

Allocate funds for unforeseen expenses in your business.

Take care of your own business.

Property

Ensure the financial protection of your assets from risks and dangers with insurance programs.

Rental

Liability of the tenant

for the operation of the real estate

Take care of yourself and your business from financial losses in case of damage to others' property.

Liability

Choose reliable protection to avoid unpleasant surprises and maintain peace of mind in any situation.

Payout based on diagnosis

Agro

All about your contracts, insurance cases, document downloads, and contract renewals - now all this is simple and convenient!

Download the myUNIQA app

Contacts

About us

Assesebility

You asked - we did

Information for shareholders and stakeholders

Mobile application myUNIQA Ukraine

Career in UNIQA

Questions and answers

Сonfidentiality and rules of cookies

Sustainability

Site map

Insurance against accidents

Medical insurance

Travel Insurance

Home

UNIQA.UA ⏩ OSAGO insured event ✅ Has an insured event occurred? ⚡ Call immediately 044 225 60 00

The currency of insurance is either Ukrainian UAH or USD

Insurance programs from UNIQA Life

Life & Resposibility

Protect for loved ones from financial risks associated with the premature loss of a breadwinner.

Protection from accidents every day including military risks

For children at school and during competitions

For adults during work and sports

&nbsp;"Pay in Parts" and "Purchase in installments" services with no fees &ndash; for PrivatBank and Monobank clients

A medical certificate is not required to conclude the contract

Program

24/7

Для спортсменів

Для працюючих

Страхова сума для одного застрахованого, грн

300 000 UAH

200 000 UAH

150 000 UAH

100 000 UAH

50 000 UAH

Contract territоry

The whole world

Ukraine

Protection against hits from missiles, drones, air defense systems and their fragments

War risks

Покривається

My protection

Choose advantageous online accident insurance to have financial protection in case of injuries.

Insurance against fire, natural disasters, water damage and theft

Without a property inspection before concluding the contract

The coverage amount is calculated based on the area and the cost per square meter in the region

It might be possible to immediately include the option "Payout for damage to neighbors' property."

After fire, arson, or lightning strike - up to 10% of the payout amount, but not exceeding 10,000 UAH during the contract period

Cleaning expenses

Document restoration expenses

Expenses for replacing door locks and keys

Interior items, furniture, household appliances, computers, built-in furniture, sports and tourist equipment located in the insured apartment or house

Movable property. Furniture, equipment

The amount the client pays independently in the event of an insurance claim, with the remainder compensated by the insurance company.

Deductible

3 000 UAH

5 000 UAH

10 000 UAH

Payout for damage to neighbor's property

Not included

My beloved apartment

Buy a contract online. This is your reliable protection against unexpected situations.

File an insurance claim online in 3 minutes.

Car accident?

My actions

<ul>
<li>Take care of your own safety and the safety of others. Ensure road traffic safety: turn on your hazard warning lights, put on a reflective vest, place a warning triangle, and act in accordance with traffic regulations.</li>
<li>Inspect the accident scene and provide first aid to injured persons. If necessary, call emergency services: 103 (ambulance), 101 (State Emergency Service), 102 (police).</li>
<li>Do not leave the accident scene, except when providing urgent medical assistance.</li>
<li>In the event of an accident, complete the European Accident Statement online (if the accident involves physical contact between vehicles, only 2 participants are involved (a trailer is considered a separate vehicle), both participants have valid compulsory third-party liability insurance policies, there are no bodily injuries, no other property is damaged, both parties agree on the responsible party, and there are no signs of alcohol or drug intoxication). In all other cases, you must call the police (102).</li>
<li>Preserve the circumstances of the accident: do not move the vehicles until the police arrive or the European Accident Statement has been completed.</li>
<li>Record witnesses&rsquo; contact details and take photos at the accident scene (damaged vehicles, general position of the vehicles on the road, obstacles, etc.).</li>
<li>Within 3 days from the date of the incident, notify UNIQA and register your insurance claim to receive compensation.</li>
</ul>
European Accident Statement
<ul>
<li>The European Accident Statement is completed at the scene of the accident in electronic or paper form. For the electronic version, you need a smartphone with Internet access and a camera.</li>
<li>The electronic European Accident Statement can be completed via the following link: <a href="https://dtp.mtsbu.ua">https://dtp.mtsbu.ua</a>.</li>
<li>After successfully completing the European Accident Statement, both drivers may leave the scene of the accident.</li>
</ul>

List of documents for receiving insurance compensation

&nbsp;
<div style="font-family: 'Segoe UI'; font-size: 14px; font-style: normal; font-weight: 400; line-height: 20px;">Documents required for insurance claim compensation can be submitted via the chatbot or by following UNIQA's recommendations provided during the registration of the insured event:</div>
&nbsp;
<ul>
<li style="text-align: justify;">Claim for insurance compensation. Must be submitted within 30 calendar days from the date of the accident, but no later than 1 calendar year;</li>
<li style="text-align: justify;">Europrotocol or, if the accident was documented by the police, the accident diagram, administrative protocol, and explanations of the accident participants if available;</li>
<li style="text-align: justify;">Copy of the driver's license;</li>
<li style="text-align: justify;">Copy of the vehicle registration certificate;</li>
<li style="text-align: justify;">Copy of the recipient's passport;</li>
<li style="text-align: justify;">Copy of the recipient's taxpayer identification number (TIN) certificate;</li>
<li style="text-align: justify;">If the recipient of the insurance compensation is not the owner of the car, a document confirming the right to receive compensation for the damaged property on the day of the accident (power of attorney);</li>
<li style="text-align: justify;">Photos and videos from the accident scene, if available.</li>
</ul>
General requirements for copies:
<ul>
<li>Certified copies of the vehicle owner's passport and Tax Identification Number (TIN), or of the person receiving compensation under a power of attorney (each page must contain the note: &ldquo;True copy of the original&rdquo;, surname and initials, signature, and date) &mdash; saved in PDF format. If the passport and TIN are submitted electronically, the documents must be signed with a Qualified Electronic Signature (QES) and saved in PDF format;</li>
<li>Poor-quality copies, including photographs of documents, are not accepted (e.g., photos showing fingers, foreign objects in the background, poor image quality, etc.);</li>
<li>Requirements for passport copies:</li>
</ul>
Passport booklet:
<ul>
<li>First spread;</li>
<li>Pages 2&ndash;3 spread;</li>
<li>Spread containing the photo at age 25/45 and the following spread containing information about the photo replacement (if applicable);</li>
<li>Residence registration spread.</li>
</ul>
Save as page spreads rather than separate pages. Each page spread must be certified with a signature.
ID card:
<ul>
<li>Each page must be certified with a signature;</li>
<li>Copy of both sides of the card;</li>
<li>Certificate of the person's registered place of residence;</li>
</ul>
If the TIN is indicated on the reverse side of the ID card, a separate copy of the TIN is not required.
&nbsp;
Conveniently track the status of your case in the mobile app if your insurance policy provided by UNIQA. Download the app from <a href="https://play.google.com/store/apps/details?id=ua.uniqa.prod&amp;pli=1" target="_blank" rel="noopener">Google Play</a> or the <a href="https://apps.apple.com/ua/app/myuniqa-ukraine/id6478441943?l=uk" target="_blank" rel="noopener">Apple App Store</a> and stay up to date with the latest updates at a time that&rsquo;s convenient for you.

Determination of the amount of insurance compensation

<ul>
<li>The amount of insurance indemnity may not exceed the liability limits established by the Law of Ukraine on MTPL (Motor Third-Party Liability Insurance) that are in force on the date of the road traffic accident.</li>
</ul>
The amount of damage is determined after the inspection and damage assessment of the vehicle. The assessment may be carried out using one of the following methods:
<ul>
<li>remote inspection based on photographs provided by the customer;</li>
<li>inspection involving an expert;</li>
<li>inspection at a repair station (service center).</li>
</ul>
No repair or restoration work may be carried out until the inspection process has been completed.
<ul>
<li>If the cost of repair exceeds the market value of the vehicle, the insurance compensation shall be determined based on the vehicle&rsquo;s market value as of the date of the road traffic accident, taking into account its residual (salvage) value.</li>
<li>The repair cost calculation is performed using the certified Audatex software.</li>
<li>The labor rate (standard hourly rate) depends on the region where the vehicle is registered.</li>
<li>After receipt of the complete set of documents, the damage assessment calculation is completed within up to 5 business days.</li>
<li>In the event of payment to the claimant&rsquo;s bank account, the cost of spare parts is calculated excluding VAT. Subject to agreement with the policyholder, the insurance payment may be transferred directly to the repair station&rsquo;s account for the purpose of carrying out the repairs.</li>
<li>The costs of vehicle towing to the place of residence or to the repair facility within the territory of Ukraine are also reimbursed.</li>
</ul>

Payment terms

Insurance indemnity is paid after all necessary conditions for claim settlement have been met, in particular:
<ul>
<li>the at-fault party in the road traffic accident has been established;</li>
<li>the applicant&rsquo;s right to receive insurance compensation has been confirmed;</li>
<li>the amount of damage has been determined (based on provided photographic materials, a repair shop invoice, or an expert report);</li>
<li>a statement of agreement on the amount of insurance indemnity has been signed.</li>
</ul>
The claim settlement period and payment of insurance indemnity is up to 60 calendar days from the date of receipt of the complete set of documents, provided that the above requirements are fulfilled.

≋ CTP Insurance Event | UNIQA

Insurance claim

Privacy Policy

During martial law

My MTPL

Compulsory third-party liability insurance with the option to increase the coverage amount.

My MTPL +

Voluntary auto liability insurance helps increase the compensation amount set by mandatory insurance.

My protection against others' mistakes

Covers the costs of compensating other road users in case of an accident.

My Casco drive

Buy online, choose a fixed coverage amount, and receive a payout in case of an accident or theft.

My Casco

Provides coverage for vehicle repair costs in the event of an accident, natural disaster, total loss, or theft.

My Casco share

A great combination of protection and savings, allowing you to quickly restore your car.

Quick restoration of your car and excellent service, so you can continue your journey without worries.

Car insurance provides confidence while driving and protects your wallet from unexpected expenses.

My travel

Explore the world with confidence: buy travel insurance online quickly and conveniently.

Ensure you have medical assistance abroad with travel insurance and travel with confidence.

Green card

Mandatory liability insurance for driving abroad. Order online.

Purchase international insurance and drive your car abroad with peace of mind.

Travel worry-free- our insurance provides you with peace of mind and protection in any country.

Apartment

Your key to confidence. Apartment insurance will help you receive compensation in case of unforeseen circumstances.

House

My beloved house

Purchase online and enjoy the benefits: speed, convenience, and protection.

My beloved house +

Interested in classic home insurance? Submit your application now.

Protect your home from unforeseen events and gain financial confidence.

Take care of your home - choose home insurance for comfort and reliability.

Medical insurance with care for you. Buy now—your health is worth it.

My care for the child

Buy insurance for your little explorers – ensure a childhood without surprises.

Organization of medical assistance and payment of medical services 24/7 throughout Ukraine.

Future & Protection

Save. Receive a guaranteed rate of return and additional investment income.

Kids & Care

Save for your child's education or for purchasing a home.

A smart investment in a secure future for your loved ones with UNIQA Life.

Life & Health

Take care of your loved ones - choose life and health insurance for peace of mind and confidence.

Buy Online

Profitably, conveniently, and quickly.

Compulsory MTPL