Standard insurance product "Mini CASCO" with code 4644

The object of insurance is: property under the right of ownership, use and disposal, namely: the vehicle (hereinafter – the Vehicle) specified in the Agreement, with which the Policyholder's insurable interest is connected.

The Agreement may include the following insurance risks:

1. Road traffic accident (hereinafter – RTA) involving two or more participants as a result of a collision (contact) of the insured Vehicle with another vehicle participating in the RTA, which occurred:
   • due to the fault of the Policyholder / Driver (including partial fault);
   • in the absence of fault of the Policyholder / Driver and where the fault of a third party has been established (full or partial).
2. Damage exclusively in cases where the RTA resulted in the Total loss of the Vehicle, regardless of the presence/absence of fault of the Policyholder / Driver.

Insurance limitations:
The following are not subject to insurance under this product:

• Vehicles not registered in Ukraine or not subject to state registration;
• Vehicles without a body number (if not provided by the manufacturer or destroyed);
• Vehicles of security companies, carriers (including dangerous goods), public transport, security agencies, police, SES, ambulance, utility services, courier and airport services, military vehicles, demining services;
• Vehicles in technically faulty condition and not permitted for road use according to the requirements of the Traffic Regulations.

The insurance sum is established by agreement of the Parties and chosen by the Policyholder from the options:

• 50,000 UAH, 100,000 UAH, 150,000 UAH, 200,000 UAH, 250,000 UAH.

The insurance sum is aggregate, meaning it decreases after an insurance indemnity payment is made.

Minimum and maximum annual insurance tariff: from 2.28% to 5.31%.
Insurance premium = Insurance Sum * Insurance Tariff.

The Agreement establishes an unconditional deductible, meaning the Insurer deducts the deductible amount when making an insurance payment for each insured event.
For insured events caused by the fault of the Policyholder/Driver (including partial fault), the deductible is 2,000 UAH.
For insured events occurring in the absence of fault of the Policyholder/Driver, the deductible is 0 UAH.

Territory of insurance: Ukraine.
The insurance agreement does not apply:
to the temporarily occupied territories of Ukraine defined by Ukrainian legislation, as well as territories of Ukraine where state authorities and local self-government bodies temporarily do not exercise their powers, and settlements located along the line of demarcation.
The exact coverage territory is specified in the terms of the particular insurance agreement.

The standard term of the insurance agreement is 1 calendar year.

The Agreement enters into force and Insurance coverage begins from 00:00 Kyiv time on the date following the date of crediting the Insurer's current account with the Total insurance premium (the first part, if the Total insurance premium is paid in installments) in the amount and within the time specified in the Agreement, but not earlier than 00:00 Kyiv time on the date specified in the Agreement as the start date of the Agreement term.

The Agreement and Insurance coverage remain in force until 24:00 Kyiv time on the date specified in the Agreement as the end date of the Agreement term, unless other circumstances provided by the Agreement result in its early termination.

For failure or improper fulfillment of the agreement conditions, the policyholder bears liability as provided by the legislation of Ukraine.

The existence of circumstances that are exclusions from Insurance cases and insurance limitations stipulated by the Agreement Terms is a ground for refusal of Insurance payment.

In any case, the Insurer is released from the obligation to pay Insurance compensation for events where, at the moment of their occurrence, there was overdue debt on the payment of the Total insurance premium (or its part, if the Total insurance premium is paid in installments) under the Agreement.

The Agreement is not supplementary to other goods, works, or services that are not insurance-related. In connection with the conclusion of the Agreement, there is no need to obtain additional or related services from the Insurer and/or third parties related to obtaining the financial service under the Agreement.

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

Before concluding the Agreement, the Policyholder is obliged to provide the Insurer with information that is of material importance for the Insurer’s decision on concluding the Agreement and/or determining the amount of the Insurance premium under the Agreement, including information on circumstances that are significant for assessing the Insurance risk (the probability of occurrence of the Insurance event and the amount of possible losses). During the validity period of the Agreement, the Policyholder must, no later than within 5 (five) business days after such changes occur, notify the Insurer in writing of any change in circumstances that are significant for assessing the Insurance risk and/or other circumstances affecting the amount of the Insurance premium under the Agreement.

Information of material importance for the Insurer’s decision on concluding the Agreement and/or the Insurance premium amount, and/or for assessing the Insurance risk includes data about the Vehicle specified in the Agreement, as well as information on:

• the country of origin of the Vehicle, drivers authorized to operate the insured Vehicle, the predominant territory of use, the nature and/or intensity of operation, technical condition, existing damages, detected hidden defects;
• losses to the insured Vehicle that occurred prior to the conclusion of the Agreement (including under insurance agreements with other insurers);
• all valid insurance agreements concluded in relation to the insured Vehicle;
• the existence of legal grounds or other legal relations of the Insurance interest of the Policyholder and Beneficiary in relation to the Vehicle;
• change of ownership of the Vehicle (sale, donation, etc.), issuance of a power of attorney with the right to dispose of the Vehicle to another person, conclusion of a preliminary purchase-sale agreement regarding 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 accepted for insurance, including modifications requiring registration of such changes in competent authorities, registration (re-registration) of the Vehicle;
• removal of the Vehicle from state registration, cancellation of registration;
• the Vehicle being wanted, under arrest, or encumbered (except for encumbrances related to contractual relations between the Policyholder and Beneficiary);
• transfer of the Vehicle for rent/sublease, lease, 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 control keys, alarm remotes;
• errors, malfunctions in computer equipment, software, or embedded microchips/components;
• breakdown, removal, deactivation, or replacement of anti-theft devices.

This insurance product requires prior review by the consumer to make an informed decision regarding the conclusion of the insurance agreement.

The consumer must review before concluding the insurance agreement the information on exclusions from Insurance cases and grounds for refusal of Insurance payments, limits of the Insurer’s liability for an individual object of insurance, insurance risk and/or insurance event, as well as the calculation procedure and conditions for Insurance payments contained in the General terms of the insurance product "Mini CASCO" with code 4644, available at: https://uniqa.ua/storage/insurance-products/reports-files/Mini%20Casco%204644%20%D0%B7%2028.10.2024.pdf