Insurance product ‘My maximum Casco leasing’ under the Raiffeisen Bank program

Property owned and/or used and/or disposed of by the Policyholder, namely: a vehicle (hereinafter – the Vehicle), in connection with which the Policyholder has insurable interests.

Under this product, technically sound passenger cars, motorcycles, trucks, buses, self-propelled agricultural machinery, mounted/trailer equipment for such machinery, other mobile equipment and trailers, as well as additional equipment specified in the insurance contract, are accepted for insurance.

The following insurance risks may be covered:

• Unlawful taking (vehicle theft), committed through theft, robbery, or armed robbery;
• Road traffic accident, including the ejection of stones or other solid particles from under the wheels of vehicles, as well as collisions with animals while the insured vehicle is in motion;
• Unlawful actions of third parties;
• Natural disasters, including flood, storm, hurricane, tornado, tempest, heavy rain, hail, rockfall, avalanche, landslide, groundwater emergence, mudflow, lightning strike, land subsidence, earthquake, etc.;
• Fire, explosion, or spontaneous combustion;
• The spontaneous falling of trees, rocks or other objects; attacks by animals; damage to the vehicle caused by water or other objects or liquids resulting from a failure of public utility networks; damage to the vehicle resulting from the vehicle becoming trapped beneath the road surface; and other instances of external physical impact or other accidental, sudden and unforeseeable events, which have resulted in damage to the insured motor vehicle and/or third-party liability, except for cases / events which, in accordance with the terms and conditions of insurance under this product, are not subject to insurance compensation (hereinafter referred to as ‘Other Cases’);
• Accident.

Insurance limitations:

The following shall not be eligible for insurance under this product:

• Vehicles that are not registered in Ukraine or are not subject to mandatory state registration (except for equipment for which Ukrainian legislation does not establish a mandatory registration requirement);
• Vehicles for which Ukrainian legislation requires the application of an identification number to the body, frame, or another structural component, where such identification number is missing, destroyed, or illegible, and/or vehicles without the registration plates required by law, where such plates are mandatory for the relevant category of vehicle;
• Vehicles used as taxis, for driver training purposes, as replacement vehicles, rented or leased to third parties (unless otherwise agreed by the Parties and/or provided for in the insurance contract), used for short-term rental services or car-sharing, or participating in competitions or test drives;
• Vehicles operated by security companies, carriers (including carriers of dangerous goods), public transport operators, police authorities, the State Emergency Service of Ukraine, ambulance services, utility service providers, courier delivery services, airports, military organizations, or mine clearance services;
• Vehicles listed as wanted by national or international competent authorities;
• Vehicles that are not in a roadworthy condition and are not permitted to participate in road traffic in accordance with the requirements of the applicable Traffic Regulations;
• Vehicles older than 20 years, unless otherwise agreed by the Parties and/or provided for in the insurance contract.

Minimum and maximum sum insured: not limited.

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

The sublimit for war risks is an aggregate limit and is specified in the insurance contract.

The sum insured is non-aggregate, i.e., it is not reduced after an indemnity payment.

The amount of the insurance premium depends on the insured sum and the selected insurance terms.

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

An unconditional deductible applies under the insurance contract, meaning that the Insurer deducts the deductible amount from each insurance payment.

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

Insurance territory: Ukraine. For passenger cars, trucks, trailers, and motorcycles (scooters), the coverage also extends to European and CIS countries (except the Republic of Belarus and the Russian Federation), Georgia, and Turkey.

The contract does not apply to:

• territories of military conflicts, armed clashes, or mass unrest;
• temporarily occupied territories of Ukraine as defined by Ukrainian law;
• territories where state authorities temporarily do not exercise their powers;
• settlements or territories along the contact or demarcation lines, or areas with ongoing active hostilities of any kind, regardless of formal recognition of war.

The insurance contract is not valid in areas where a state of emergency has been officially declared, or in officially designated potential natural disaster zones if such status was established prior to signing, as well as on roads used for sports competitions.

Standard contract term: 1 calendar year.

Minimum and maximum duration: not limited.

The duration is set by mutual agreement of the Parties and stated in the contract.

The contract becomes effective at 00:00 on the date of payment (or first installment) of the insurance premium, but not earlier than the start date specified in the contract, and terminates at 24:00 on the end date unless terminated earlier due to other circumstances.

The Parties agree that, regardless of the signing date, the insurance coverage applies from the start date specified in the contract.

If the consumer fails to fulfill obligations under the insurance contract, the Insurer may refuse to pay insurance compensation. The Insurer is released from the obligation to pay for events where there was overdue debt on the insurance premium (or part of it, if paid in installments) at the time of occurrence.

Late notification by the Policyholder/Driver of an insured event without valid reason, leaving the scene, or failure to fulfill other obligations established by the contract or law, if it prevented the Insurer from determining the fact, cause, or circumstances of the insured event, constitutes grounds for refusal to pay insurance compensation.

The contract is supplementary to banking services under the loan agreement specified in the insurance contract. No additional or related services from the Insurer and/or third parties related to the provision of financial services under the insurance agreement are required.

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

The following information is essential for the Insurer’s decision to conclude the insurance contract, determine the insurance premium, and/or assess the insurance risk: details about the vehicle specified in the insurance contract, as well as information on:

• the vehicle’s country of origin, authorized drivers, main usage territory, nature and/or intensity of operation, technical condition, visible damage, or hidden defects;
• any previous losses or damages to the insured vehicle prior to this contract (including under contracts with other insurers);
• change of ownership (sale, donation, etc.), issuance of power of attorney with disposal rights, preliminary sale agreement, or deposit received;
• replacement of body or engine, installation or replacement of equipment, modifications requiring registration, vehicle registration or re-registration;
• deregistration or cancellation of state registration;
• the vehicle being wanted, seized, or encumbered (except encumbrances related to contractual relations with the Beneficiary);
• leasing, renting, subleasing, carsharing, pledging, or using the vehicle as a taxi;
• loss of registration documents and/or keys, key fobs, or remote controls for the insured vehicle;
• errors or failures in computer hardware, software, or embedded microchips and components;
• cases of unlawful seizure or known attempts of unlawful seizure of the vehicle during the ownership period;
• removal, breakdown, deactivation, or replacement of anti-theft devices.

Before concluding the insurance contract, the consumer must review information on exclusions from insured events, grounds for refusal of payments, liability limits of the insurer for specific insured objects, risks, or events, as well as the calculation procedure and payment conditions, available at: https://uniqa.ua/storage/insurance-products/reports-files/4061_umovy_15.04.2026.pdf