Insurance product “Compulsory civil liability insurance of land vehicle owners – international insurance contract” is a product of “IC USG”, which “IC UNIQA” distributes as an insurance agent.
| No. | Type of information | Information to be completed by the insurer |
| 1 | Object of insurance | The object of insurance is property interests that do not contradict the legislation of Ukraine, related to compensation by the person whose civil liability is insured for damage caused to the life, health, or property of victims as a result of the operation of the insured vehicle. |
| 2 | Insurance risks. Limitations of insurance |
Insurance risk: a road traffic accident (hereinafter – RTA) involving the insured vehicle, as a result of which the person whose civil liability is insured has the obligation to compensate for damage caused to the life, health and/or property of injured parties, which occurred on the territory of member states of the international motor insurance system “Green Card”. Limitations of insurance:
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| 3 | Minimum and maximum amounts of the insurance sum (liability limit) |
The insurance sum (liability limit) is determined by the legislation of the member states of the international motor insurance system “Green Card” where the RTA occurred. |
| 4 | Minimum and maximum amounts of the insurance premium and/or insurance rate |
The amount of the insurance premium under the international insurance contract is determined on the basis of the current Tariff Policy for the insurance product “Compulsory civil liability insurance of land vehicle owners – international insurance contract”. |
| 5 | Type, minimum and maximum deductible amounts (if applicable) |
No deductible applies. |
| 6 | Territory and term of the insurance contract (including information on the procedure for its entry into force and insurance period(s), if any) |
The compulsory international civil liability insurance contract is valid on the territory of the member states of the international motor insurance system “Green Card”, specified and not crossed out in the “Green Card” insurance certificate. The international insurance contract may be concluded for a period of 15 calendar days, 21 calendar days, one month, two months, three months, four months, five months, six months, seven months, eight months, nine months, ten months, eleven months, or one year. The international insurance contract takes effect from 0 hours of the date of commencement of its term, specified in such contract, but not earlier than the beginning of the day following the entry of such contract into the Unified Centralized Database, and terminates at 24 hours on the date specified in such contract as the date of expiration of the contract term. |
| 7 | Possible consequences for the consumer in case of non-fulfillment of obligations specified in the insurance contract |
If the insurance premium is not paid on time or not paid in full, the entry about the compulsory civil liability insurance contract is not made in the Unified Centralized Database. If after the insurance payment it is revealed that the insurer was provided with false, incomplete, or inaccurate information, as a result of which the amount of the insurance payment was miscalculated and/or the insurance payment was made without grounds, or the injured person received compensation from the person responsible for the damage or the insurer, at the request of the insurer who made the payment, such person must return the received insurance payment or the relevant part of such payment in the amount unduly paid, or the difference between the payment made and the compensation received from the person responsible for the damage or the insurer. The insurer, after making the insurance payment, has the right of recourse against the person whose civil liability is insured, who caused the road traffic accident (the person who, according to the law, bears civil liability for the damage caused), if: a) such person was driving the vehicle while intoxicated by alcohol, drugs, or other substances, or under the influence of medicinal products that reduce attention and reaction speed; b) such person was driving the vehicle without the right to drive a vehicle, including the relevant category; c) such person, after the road traffic accident involving them, left the accident scene without authorization or refused to undergo the examination for alcohol, drug, or other intoxication, or for the use of medicinal products that reduce attention and reaction speed, or such person consumed alcohol, drugs, psychotropic substances, their analogues, as well as medicinal products based on them before undergoing the mentioned examination (except those included in the officially approved first aid kit or prescribed by a medical professional); d) the road traffic accident is recognized in accordance with the law as a direct consequence of the technical condition and equipment of the vehicle not complying with the standards concerning road safety, environmental protection, traffic rules, and technical operation; e) such person used the vehicle to commit a criminal offense. |
| 8 | Information on the possibility to purchase the insurance product separately |
The insurance contract is not additional to other goods, works, or services that are not insurance-related. |
| 9 | Conditions for obtaining a discount on the insurance product and the insurer's promotional offers |
No discounts are provided. |
| 10 | List of information that is essential for assessing the insurance risk, and/or information about other circumstances taken into account when determining the amount of the insurance premium |
Information about the policyholder: surname, first name, patronymic (if any) or name of the Policyholder; RNTRC (or, if absent, series and number of the passport for an individual)/EDRPOU; date of birth of the Policyholder-individual; place of residence/location; indication that the Policyholder is a resident of Ukraine; type of Policyholder (individual/legal entity/sole proprietor); Information about the insured vehicle, namely: make, model, registration number, year of manufacture, VIN (body, chassis, frame number), engine capacity in cubic cm (for all types of vehicles with internal combustion engines, including hybrids), power in kW (maximum power according to the vehicle registration document) (for all types of vehicles with electric engines, including hybrids), gross weight in kg, unladen weight in kg, number of seats including the driver's seat; The term of the insurance contract; The territory of validity of the insurance contract. |
| 11 | Procedure for concluding and paying for the compulsory civil liability insurance contract for owners of land vehicles |
The insurance contract is concluded by joining the General Terms of the insurance product “Compulsory civil liability insurance of land vehicle owners – internal insurance contract”. The insurance contract consists of the public part of the insurance contract, which is the General Terms of the insurance product “Compulsory civil liability insurance of land vehicle owners – international insurance contract”, and the individual part of the insurance contract – the insurance policy, the form of which is approved by MTIBU. The international insurance contract takes effect from 0 hours of the date of commencement of its validity specified in such contract, but not earlier than the beginning of the day following the entry of such contract into the Unified Centralized Database, and terminates at 24 hours of the date specified in such contract as the date of expiration of the contract validity. The insurance premium is paid in a lump sum in full before or at the time of concluding the compulsory civil liability insurance contract. In case of full payment of the insurance premium, the Insurer is obliged to enter into the Unified Centralized Database, in the manner established by MTIBU, a record of the Insurance Contract before or at the time of concluding such Contract. If the insurance premium is not paid on time or not paid in full, no record of the Insurance Contract is entered into the Unified Centralized Database. After concluding the international insurance contract, the Insurer is obliged, no later than the date and time of commencement of its validity, to also send (provide) the Policyholder with the “Green Card” insurance certificate. |
| 12 | Ways to obtain information about the entry of the compulsory civil liability insurance contract for land vehicle owners into the Unified Centralized Database regarding compulsory civil liability insurance, including a link to the web page on the MTIBU website where such information can be obtained |
To obtain information about the entry of the international compulsory civil liability insurance contract for land vehicle owners into the Unified Centralized Database – go to the website of the Motor (Transport) Insurance Bureau of Ukraine (MTIBU) at the link: https://policy-web.mtsbu.ua/#tab2 |
| 13 | List of categories of individuals entitled to a reduction of the insurance premium (under the internal compulsory civil liability insurance contract for land vehicle owners) |
A reduction of the insurance premium under international insurance contracts is not provided for by Law 3720. |
| 14 | Validity of the compulsory civil liability insurance contract for land vehicle owners in case of change of the insured vehicle’s owner |
In case of change of the insured vehicle’s owner as a result of its lawful alienation, the Insurance Contract remains valid until the expiration of its term, and the rights and obligations of the Policyholder pass to the new owner of the specified vehicle. In case of the death of the Policyholder – an individual, his/her rights and obligations under the Insurance Contract pass to the person who received the vehicle specified in such contract as inheritance and/or who, in the case provided for by the Civil Code of Ukraine, is deemed to have accepted the inheritance. The right to receive part of the insurance premium in case of early termination of the Insurance Contract due to the death of the Policyholder – an individual passes to the person who received the vehicle specified in such Contract as inheritance and/or who, in the case provided for by the Civil Code of Ukraine, is deemed to have accepted the inheritance. In case of change of the insured vehicle’s owner, the new owner is obliged within 15 calendar days from the date of acquisition of ownership of the vehicle to notify the Insurer in writing and provide the Insurer with his/her personal data. |
| 15 | Information about MTIBU, including MTIBU contact details or a link to the web page on the MTIBU website where such information is published |
Information about MTIBU, including MTIBU contact details, is published on the web page of the MTIBU website at the link: https://mtsbu.ua/about |
| 16 | Grounds and procedure for MTIBU to make a regulatory payment in the case provided for in clause 4, part one, article 43 of the Law of Ukraine “On compulsory civil liability insurance of land vehicle owners”, or a link to the web page on the MTIBU website where information about the procedure for making regulatory payments is published |
Does not apply to insurance cases that occurred outside the territory of Ukraine. |
| 17 | Procedure for consumer actions to receive an insurance payment under direct settlement of an insurance case (under the internal compulsory civil liability insurance contract for land vehicle owners) |
Does not apply to insurance cases that occurred outside the territory of Ukraine. |
| 18 |
Consumer warning about the need to review, before concluding the insurance contract, the information on exclusions from insurance cases and grounds for refusal to make insurance payments, the insurer's liability limits for a particular insured object, insurance risk and/or insurance case, as well as the calculation procedure and conditions for making insurance payments, including a link to such information |
Before concluding the insurance contract, the consumer must review the terms of the Contract, including the information on exclusions from insurance cases and the grounds for refusal to make insurance payments, as well as the calculation procedure and conditions for making insurance payments. The information is disclosed in the General Terms of the insurance product at the link: https://api.usg.ua/pds/Zagalni_umovi_ZK_(online) The insurance amount (liability limit) is determined by the legislation of the member states of the international motor insurance system “Green Card”, in whose territory the traffic accident occurred. Information on liability limits in force in the member states of the international motor insurance system “Green Card” is published on the Council of Bureaux website at the link https://www.cobx.org |