Standard insurance product ‘My Casco drive’

The object of insurance is property under ownership and/or use and/or disposal rights, namely: a motor vehicle (hereinafter – MV), in relation to which the Policyholder has an insurable interest.

Under this product, technically sound passenger MVs are accepted for insurance, including:

• passenger MVs with seating capacity of no more than 9 (including the driver’s seat);
• cargo MVs (cargo-passenger, vans) with a total mass of up to 3,000 kg (inclusive);
• special MVs with a total mass of up to 3,000 kg (inclusive).

Insurance risks:

• Road traffic accidents involving two or more identified participants as a result of collision (contact) of the insured MV with another vehicle participating in the accident, which occurred:
  • due to the fault (including partial) of the insured MV driver;
  • due to the fault of any participant.
• Unlawful seizure / any external impact risks (except exclusions and limitations provided by the insurance contract) that led to total constructive or physical destruction of the MV.

Insurance limitations:

Not subject to insurance under this product are:

• MVs not registered in Ukraine or not subject to state registration;
• MVs without a body number (if not provided by the manufacturer or destroyed);
• MVs used as taxis, for car sharing, test drives, training driving, competitions, as replacement vehicles, or those in lease or rental;
• MVs of security companies, carriers (including hazardous cargo), public transport, police, SES, ambulance, utility services, courier and airport services, military purpose, demining services;
• MVs in technically faulty condition and not admitted to road traffic according to Traffic Rules;
• MVs pledged or under leasing.

The insured sum is aggregate and is set by agreement of the Parties in the amount from 50,000 UAH to 200,000 UAH.

The insurance tariff may range from 2.8% to 14.5% of the insured sum.

The unconditional deductible is:

• 0 UAH – for accident risk caused by a third party, if the driver of the insured MV is fully not at fault;
• 2,000 UAH – for other risks.

If the driver of the insured MV is under 23 years of age, the deductible is 5,000 UAH regardless of other contract conditions and the fault of accident participants.

Territory of insurance: Ukraine, except for:

• temporarily occupied territories;
• territories where state authorities temporarily do not exercise their powers, and settlements located along the contact line;
• territories of military operations of any kind;
• areas where a state of emergency has been officially declared or in a zone officially recognized by state authorities as a potential natural disaster zone, if such declaration was made before the conclusion of the insurance contract;
• roads where sports competitions are held.

Term of the insurance contract – 1 calendar year.

The insurance contract enters into force on the date specified in the insurance contract as the start date of the contract term, but not earlier than the day following the date the insurance premium (first installment, if the total premium is paid in parts) is credited to the Insurer’s current account, in the amount and within the period specified in the insurance contract, and subject to the Waiting period deductible in accordance with clause 12 of the Insurance contract.

If the consumer fails to fulfill the obligations specified in the insurance contract, payment of insurance indemnity may be denied.

The insurance product is not an add-on to other goods, works, or services that are not insurance-related.

A discount may be provided by entering a promo code when purchasing the insurance product on the Insurer’s official website at: www.uniqa.ua.

The promo code may be obtained by the consumer through various communication channels, including but not limited to, the official website, insurance intermediaries, partners, the Insurer’s social media, etc.

Promotional offers are not provided under this insurance product.

The information essential for the Insurer’s decision on the insurance premium amount under the contract and the assessment of the insurance risk includes details about:

• the insured vehicle, as specified in the vehicle registration certificate,
• the country of origin of the vehicle, drivers authorized to operate the insured vehicle, the main area of use, the nature and/or intensity of operation, the vehicle’s technical condition, existing damages, and detected hidden defects;
• losses related to the insured vehicle that occurred before the conclusion of the insurance contract (including under contracts with other insurers);
• all active insurance contracts concluded in relation to the insured vehicle;
• the existence of legal grounds or other legal relations for the insurance interest of the Policyholder and Beneficiary in relation to the vehicle;
• a change of vehicle owner (sale, donation, etc.), issuance of a power of attorney granting the right to dispose of the vehicle to another person, conclusion of a preliminary sale contract for the insured vehicle, receipt of a deposit;
• replacement of the body or engine, installation of additional equipment and/or replacement of vehicle components with others different from those accepted for insurance, including modifications requiring registration of such changes with the competent authorities, registration (re-registration) of the vehicle;
• deregistration of the vehicle, cancellation of state registration;
• the vehicle being wanted, under arrest, or encumbered (except for encumbrances related to the Policyholder’s contractual relations with the Beneficiary);
• transfer of the vehicle into lease/sublease, rental, car sharing, pledge, leasing/subleasing, or its use as a taxi;
• loss of registration documents and/or keys to the insured vehicle and/or key fobs, remote controls for the alarm system of the insured vehicle;
• errors, malfunctions of computer equipment, software, or embedded microchips, components;
• breakdown, removal, deactivation, or replacement of anti-theft devices.