Standard insurance product ‘My Casco Credit’ with the code 4062

Property owned and/or used and/or disposed of by the Insured, namely a vehicle (hereinafter — the Vehicle), in respect of which the Insured has insurable interests.

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

The following insurance risks may be covered:

• Illegal seizure by theft, robbery or armed assault;

• Road traffic accidents, including stone throw-up from wheels and collisions with animals;

• Unlawful acts of third parties;

• Natural disasters (flood, storm, hurricane, tornado, hail, landslide, lightning strike, earthquake, etc.);

• Fire, explosion or spontaneous ignition;

• Other damages (other cases);

• External impact.

Insurance limitations:

The following are not subject to insurance:

• vehicles that are not registered in Ukraine or are not subject to state registration (except for equipment for which Ukrainian legislation does not establish a requirement for mandatory state registration);
• vehicles that are in a technically defective condition and are not allowed for road traffic in accordance with the requirements of the Traffic Rules;
• vehicles without a body number (including cases where such number has been destroyed), except for special machinery to which identification numbers have been assigned;
• vehicles older than 20 years;
• vehicles belonging to security companies, carriers (including carriers of dangerous goods), public transport, security companies, police, the State Emergency Service, emergency medical services, municipal services, courier delivery services and airports, vehicles for military purposes, and demining services.

Minimum and maximum sum insured: not limited.

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

The sum insured under the insurance contract is not reduced by the amount of the insurance compensation paid (non-aggregated), except for contracts concluded with Insureds that are legal entities in respect of any types of Vehicles other than special machinery.

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

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

An unconditional deductible is established under the insurance contract, meaning that the Insurer deducts the amount of the deductible when making an insurance payment for each insured event.

The specific amount of the deductible is specified 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 insurance contract shall not apply to:

• temporarily occupied territories of Ukraine as defined by regulatory legal acts of Ukraine;
• territories of Ukraine where state authorities temporarily do not exercise their powers;
• settlements and territories located along the demarcation line;
• territories outside Ukraine within zones of military actions of any nature, regardless of official recognition of war under applicable law;
• temporarily occupied, annexed or disputed territories, territories of states not recognized by Ukraine in accordance with the established procedure;
• territories for which the Ministry of Foreign Affairs of Ukraine has issued recommendations to refrain from travel until the Insured Person crosses the state border.

The insurance contract shall not be valid within zones of military actions of any nature, regardless of official recognition of war under applicable law, military conflicts and mass disturbances, areas where a state of emergency has been officially declared, or zones that have the status of or are officially recognized by competent state authorities as areas of potential natural disasters, if such declaration was made prior to the conclusion of the Contract, as well as on roads where sports competitions are held.

Minimum and maximum term of the insurance contract: not limited.

The term of the Contract is determined by agreement of the Parties and specified in the Contract.

The insurance contract shall enter into force on the date specified in the Contract as the commencement date, but not earlier than the moment of payment of the Total Insurance Premium (or its first installment if the Total Insurance Premium is paid in installments).

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.

Information that is of material importance for the Insurer to decide on concluding the insurance contract and/or determining the amount of the insurance premium and/or assessing the insurance risk includes information about the Vehicle specified in the insurance contract, namely the following facts:

• transfer of the Vehicle for use to any person on the basis of a power of attorney;
• transfer of the Vehicle for lease, rental, pledge or leasing, except for transfer as collateral to the Beneficiary specified in the insurance contract;
• replacement of the body or engine;
• changes in storage or operating conditions;
• damage to or replacement of anti-theft devices;
• change of the owner’s address, place of permanent storage of the Vehicle, etc.;
• change of the registration number, color, body number or chassis number, etc.;
• loss of keys and/or registration documents;
• damage to or destruction of the insured Vehicle regardless of whether such losses are subject to compensation by the Insurer.

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/4062_umovy_27.01.2026.pdf