Insurance product "My Casco Credit" with codes 4011/4056/4057

Property under ownership and/or use and/or disposal rights, namely: a vehicle (hereinafter – the Vehicle), connected with the Policyholder’s insurable interests.

Under this product, insurable property includes technically sound passenger vehicles, motorcycles, trucks, buses, combines, tractors, mounted agricultural equipment, other mobile machinery and trailers, as well as additional equipment for them.

The contract may cover the following insurance risks:

1. Unlawful appropriation through theft, robbery, assault;
2. Road accident, including stones thrown from under wheels, collision with animals while the Vehicle is in motion;
3. Unlawful actions of third parties;
4. Natural disaster: flood, storm, hurricane, tornado, gale, heavy rain, hail, landslide, avalanche, soil subsidence, rise of groundwater, mudflow, lightning strike, earthquake, etc.;
5. Fire, explosion or spontaneous combustion;
6. Accidental fall of trees, rocks or other objects; animal attacks; damage to the Vehicle by water or other objects/liquids due to utility system accidents; damage caused by the Vehicle sinking under the road surface (hereinafter – Other cases);
7. Accident.

Insurance limitations:

• The following are not covered by this product:
• Vehicles not registered in Ukraine or not subject to state registration;
• Vehicles without a chassis number (if not provided by the manufacturer or destroyed);
• Vehicles used as taxis, for car-sharing, test drives, driving lessons, competitions, as replacement vehicles, in rental or leasing;
• Vehicles of security companies, carriers (including hazardous goods), public transport, police, emergency services, ambulance, municipal services, courier services and airports, military use, demining services;
• Vehicles in technically faulty condition not fit for road traffic under traffic regulations.

Minimum and maximum amounts of the insurance sum: not limited.

The insurance sum is determined by agreement of the Parties and must correspond to the actual value of the Vehicle at the time of concluding the insurance contract.

The insurance sum is non-aggregate, meaning it does not decrease after an indemnity payment.

The amount of the insurance premium depends on the insurance sum and the chosen insurance conditions.

The specific tariff rate is specified in the insurance contract by agreement of the Parties.

The contract establishes an unconditional deductible, meaning the Insurer deducts its amount when making an insurance payment for each insured event.

The specific deductible amount is determined in the insurance contract by agreement of the Parties.

Territory of insurance: Ukraine.

For passenger vehicles, trucks, trailers, motorcycles (scooters), the Contract also applies to European and CIS countries (excluding the Republic of Belarus and the Russian Federation), Georgia, and Turkey.

The insurance contract does not apply:

To temporarily occupied territories of Ukraine as defined by Ukrainian regulations, as well as territories where state and local authorities temporarily do not exercise their powers, and settlements located along the demarcation line.
The Contract does not apply to areas of military operations of any kind, regardless of formal recognition of war, armed conflicts or mass disturbances, areas with officially declared state of emergency, or zones officially designated as potential disaster areas before conclusion of the Contract, as well as roads where sporting competitions are held.
The complete coverage territory is specified in the terms of the specific contract.

Standard contract duration – 1 calendar year.
Minimum and maximum duration: not limited.

The contract duration is established by mutual agreement of the Parties and specified in the Contract.

Unless otherwise stated, the Contract enters into force and coverage begins at 00:00 Kyiv time on the day following the date when the full premium (or first installment if paid in parts) is credited to the Insurer’s account, in the amount and terms specified in the Contract, but not earlier than 00:00 Kyiv time on the start date stated in the Contract.
Unless otherwise stated, the Contract and coverage remain valid until 24:00 Kyiv time on the end date specified in the Contract, unless other circumstances lead to early termination.

Failure by the Policyholder to fulfill obligations under the contract is grounds for refusal of an insurance payment. The Insurer is released from the obligation to pay compensation for events occurring while overdue debt existed on payment of the insurance premium (or its part if paid in installments), unless otherwise specified in the Contract.

Failure to notify the Insurer/Driver of an insured event in due time without valid reasons, leaving the scene, or failure to fulfill other duties under the Contract or legislation, if this made it impossible for the Insurer to establish the fact, causes, and circumstances of the event or the extent of damage, constitutes grounds for refusal of compensation.

The Contract is supplementary to banking services under the Credit Agreement specified in the Contract. In connection with the conclusion of the Contract, there is no need to obtain additional or ancillary services of the Insurer
and/or third parties related to obtaining the financial service under the Contract.

Discounts and promotional offers are not available and do not apply.

Before concluding the Contract, the Policyholder must inform the Insurer of information that is essential for the Insurer’s decision to enter into the Contract and/or to determine the amount of the Insurance Premium under the Contract, including information on circumstances that are significant for assessing the Insurance Risk (determining the probability and likelihood of an Insurance Event and the potential amount of losses), and during the term of the Contract, no later than 5 (five) business days after changes occur, notify the Insurer in writing of any changes in circumstances that are essential for assessing the Insurance Risk, and/or other circumstances that affect the amount of the Insurance Premium under the Contract.

Information that is essential for the Insurer’s decision to enter into the Contract and/or to determine the amount of the Insurance Premium under the Contract and/or to assess the Insurance Risk includes data on the Vehicle specified in the Contract, as well as information on:

• the country of origin of the Vehicle, drivers allowed to operate the insured Vehicle, the primary territory of use, the nature and/or intensity of operation, technical condition, existing damages, identified hidden defects;
• losses to the insured Vehicle that occurred prior to the conclusion of the Contract (including under insurance contracts with other insurers);
• all valid insurance contracts concluded with respect to the insured Vehicle;
• the existence of legal grounds or other legal relationships establishing an Insurance Interest of the Policyholder and Beneficiary regarding the Vehicle;
• change of ownership of the Vehicle (sale, donation, etc.), issuance of a power of attorney granting the right to dispose of the Vehicle to another person, conclusion of a preliminary sales agreement for the insured Vehicle, receipt of a deposit;
• replacement of the body or engine, installation of Additional Equipment and/or replacement of Vehicle components different from those insured, including modifications requiring registration of such changes with competent authorities, registration (re-registration) of the Vehicle;
• deregistration of the Vehicle, cancellation of state registration;
• the Vehicle being wanted, under arrest or encumbrance (except for encumbrance related to contractual relations between the Policyholder and the Beneficiary);
• transfer of the Vehicle for rent / sublease, hire, car-sharing, pledge, leasing / subleasing, use of the Vehicle as a taxi;
• loss of registration documents and/or keys to the insured Vehicle and/or remote key fobs, remote controls for the alarm system of the insured Vehicle;
• errors, malfunctions in computer hardware, software, or embedded microchips, components;
• breakage, removal, deactivation or replacement of anti-theft devices.

This insurance product requires prior review by the consumer in order to make an informed decision about concluding the insurance contract.

Full information about the insurance product is disclosed in the General Terms and Conditions of the insurance product "My Casco Credit" with codes 4011/4056/4057, available at the link: https://uniqa.ua/storage/public-offer/categories/4011_4056__4057_umovy_01.07.2024.pdf

Before entering into the insurance contract, the consumer should review the information on exclusions from insurance events (Section 6 of the General Terms), grounds for refusal of insurance payments (Section 10 of the General Terms), liability limits of the insurer for a particular insured object, insurance risk and/or insurance event (Section 5 of the General Terms), as well as the procedure for calculation and conditions of insurance payments (Section 9 of the General Terms).