Standard insurance product "My beloved home" with code 2112/1

Object of insurance:

• for property insurance — an apartment / private house under the right of ownership, use, and/or disposal, including:
  - structural elements including engineering and utility systems;
  - interior finishing.
• for liability insurance — liability for damage caused to neighbors during ownership, use, and/or disposal of the Insured property by Persons whose liability is insured.

Policyholder: JSC “Raiffeisen Bank”.

Insurance risks:

1. for property insurance:

- Fire (including Arson), Explosion (hereinafter — Fire Risks);
- Natural disasters (Heavy rain, Storm, Hurricane, Gale, Tornado, Squall, Hail, Rockfall, Landslide, Earthquake, Flood, High water, Overflow, Mudflow, Collapse, Subsidence, Snowfall, Ice drift, Glaze ice, Snow pressure, Rockfall, Avalanche);
- Water damage due to failure of water supply, sewage, heating systems and connected household devices, water or other liquid leakage from neighboring premises (hereinafter — Water Risks);
- Illegal actions of third parties (Burglary (including with traces of forced entry), Robbery, Assault, Vandalism);
- Falling objects, Glass breakage.

2. for liability insurance — occurrence of liability for damage caused to third parties and/or their property by Persons whose liability is insured, as a result of their actions or omissions during ownership, use, and/or disposal of the Insured property.

Insurance event means the fact of losses incurred by the Owner of the Insured property (Beneficiary) as a result of damage, destruction, or loss of the Insured property due to the occurrence of Insurance risks defined in the Contract.

Insurance limitations:
Not covered by this product:

• any vehicles, their components, mobile cottages, residential trailers;
• objects subject to demolition, in emergency condition, not commissioned, under construction and/or installation, or restoration;
• personal belongings of the Owner of the Insured property (Beneficiary), including clothes and shoes;
• indoor plants, food, animals, and birds;
• intellectual property, antiques, fur products, cash, payment cards / savings books, documents, data carriers, etc.

The insurance sum under the contract – 100,000 UAH, including:

1. for property insurance – 80,000 UAH, of which:
• for insurance of immovable property (structures with integral utilities) – 40,000 UAH;
• for insurance of interior finishing of real estate – 40,000 UAH;

2. for liability insurance – 20,000 UAH, of which:
• for damage caused to the life and/or health of third parties – 10,000 UAH;
• for damage caused to the property of third parties – 10,000 UAH;

The insurance sum and liability limits are aggregate, meaning they decrease after the insurance indemnity payment.

The insurance premium under the contract – 300 UAH.

Deductible under the insurance contract – not applied.

Territory of insurance: the address of the insured real estate specified in the insurance contract according to registration documents.

The insurance contract does not apply:

• to temporarily occupied territories of Ukraine, as defined by Ukrainian legislation;
• to territories of Ukraine where state authorities temporarily do not exercise their powers, and to settlements located on the contact line;
• to areas of military actions of any kind, regardless of formal recognition of war, military conflicts, and civil unrest, as well as areas officially declared under emergency state or officially recognized by competent state bodies as zones of possible natural disaster, if such declaration was made before the conclusion of the insurance contract.

Term of the insurance contract:
The general term of the insurance contract is 1 year.

The contract enters into force and the Insurance coverage becomes effective at 00:00 Kyiv time on the date specified in the Contract as the commencement date.

The contract and Insurance coverage are valid until 24:00 Kyiv time on the date specified in the Contract as the expiry date, unless other circumstances provided for in the Contract lead to early termination.

For failure to perform or improper performance of the contract terms, the policyholder bears liability as provided by the legislation of Ukraine.

The existence of circumstances that are exclusions from Insurance events and insurance limitations, as provided by these Contract Terms, constitutes grounds for refusal of the Insurance payment.

The contract is not an addition to other goods, works, or services that are not insurance. In connection with the conclusion of the Contract, there is no need to obtain additional or related services from the Insurer and/or third parties related to receiving the financial service under the Contract.

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

Information of material importance for the Insurer's decision to conclude the Contract, and/or on the amount of the Insurance premium under the Contract, and/or for the assessment of the Insurance risk includes data on:

• transfer of the Insured property into mortgage, pledge, leasing / subleasing;
• change of owner of the Insured property (sale, donation, etc.), issuance of a power of attorney with the right to dispose of the Insured property to another person, conclusion of a preliminary purchase agreement regarding the Insured property, receipt of a deposit;
• use of the Insured property not for its intended purpose or carrying out redevelopment / repair works to use it as office, warehouse, commercial premises, hotel, sauna, workshop, etc.;
• the presence in the structural elements of the Insured property of external and/or internal wooden walls (including those fully or partially covered with brick, foam concrete, aerated concrete, or cinder blocks), and/or wooden floors (for buildings with more than 1 floor);
• the Insured property being under arrest or encumbrance (except for encumbrances related to contractual relations between the Owner and the Beneficiary);
• all valid insurance contracts concluded in relation to the Insured object.

This insurance product requires the consumer’s prior review in order to make an informed decision on concluding the insurance contract.

Full information on the insurance product is disclosed in the General Terms of the insurance product "My Lovely Home" with code 2112/1, available at: https://uniqa.ua/storage/public-offer/partner-reports/2112_1_umovy_17.07.2024.pdf

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