Standard insurance product ‘My Casco’ with code 4612

◊ Information Document on the Standard Insurance Product "My CASCO" with code 4612

No	Type of Information	Programs
		Standard	50 / 50
1	Insured Object	The insured object is property under the right of ownership and/or use and/or disposal, namely: a vehicle (hereinafter – the Vehicle), with which the insurance interests of the Policyholder are connected. Under this insurance product, eligible for insurance are technically sound passenger and cargo vehicles, as well as additional equipment not included in the factory configuration. Passenger vehicles include: passenger vehicles with no more than 9 seats (including the driver’s seat); special or cargo vehicles (cargo-passenger, vans) with a gross weight up to 3,000 kg (inclusive). Cargo vehicles include those with a gross weight of more than 3,000 kg, subject to state registration and intended for cargo transportation. The terms of this clause are the same for all Programs provided under this insurance product.
2	Insurance Risks. Insurance Limitations	Insurance risks: Unlawful seizure committed through theft, robbery, assault; Traffic accident, including stones thrown from under vehicle wheels, collisions with animals while driving; Unlawful acts of third parties; Natural disaster: flood, storm, hurricane, tornado, squall, heavy rain, hail, landslide, avalanche, soil slip, groundwater rise, mudflow, lightning strike, soil subsidence, earthquake, etc.; Fire, including explosion or self-ignition; spontaneous falling of trees, rocks, or other objects; animal attacks; vehicle damage by water or other objects/liquids due to utility network accidents; vehicle damage caused by road surface collapse (hereinafter – Other cases); War risks, if stipulated by the insurance contract. Insurance limitations: Not covered under this product: Vehicles not registered in Ukraine or not subject to state registration; Vehicles in a technically defective condition that cannot be admitted to road traffic according to traffic regulations; Vehicles without a chassis number (including if destroyed) and/or license plates; Vehicles used as taxis, for driver training, as replacement vehicles, rented, leased, or used for car sharing, participating in competitions or test drives; Military-purpose vehicles, demining service vehicles; Vehicles pledged or leased; Vehicles older than 15 years; Other types of vehicles than passenger or cargo vehicles. The terms of this clause are the same for all Programs provided under this insurance product.
3	Minimum and Maximum Insurance Sum (Liability Limit)	The minimum and maximum insurance sum is not limited. The insurance sum is non-aggregate, set by mutual agreement of the Parties, and must correspond to the actual value of the Vehicle at the time of signing the insurance contract. The terms of this clause are the same for all Programs under this insurance product.
4	Minimum and Maximum Insurance Premium and/or Rate	Minimum and maximum insurance rate: from 1.7% to 21% of the insurance sum. Insurance premium = insurance rate * insurance sum. The terms of this clause are the same for all Programs under this insurance product.
		The "Standard" program provides for the payment of the insurance premium and settlement of insurance cases under the classical procedure.	The "50 / 50" program provides for the payment of only the first part of the insurance premium, and the second part — only in the event of an insured occurrence (a mandatory condition for receiving insurance compensation).
5	Type, Minimum and Maximum Deductible (if applicable)	The unconditional deductible is established by mutual agreement of the Parties as a % of the insurance sum and is chosen by the Policyholder from the following options: for partial damages — 0% or 0.5%; in case of Illegal Seizure or Total Loss — 5%, 7% or 10%. In any case, a deductible of 5% of the insurance sum or 15,000 UAH (whichever is greater) applies — if the average monthly mileage of the Vehicle from the date of contract conclusion to the date of the insured event under the risks of Traffic Accident, Unlawful Actions of Third Parties, and Other Cases exceeds 5,000 km (applies only to Vehicles with an insurance sum up to 500,000 UAH). The terms of this clause are the same for all Programs under this insurance product.
6	Territory and Term of the Insurance Contract (including information on commencement and insurance period(s), if applicable)	Insurance territory is determined by agreement of the Parties and chosen by the Policyholder from the following options: Ukraine; Europe – territory of countries participating in the international “Green Card” system, excluding the territory of the Russian Federation. The insurance contract does not apply: to temporarily occupied territories of Ukraine; to territories of Ukraine where state authorities temporarily do not exercise their powers, as well as settlements located along the demarcation line; to zones of military actions of any kind; to areas where a state of emergency has been officially declared or to zones officially recognized by state authorities as areas of potential natural disaster, if such declaration was made prior to conclusion of the insurance contract; to roads where sports competitions are held; additionally, for War Risks (if provided by the contract), on the territories of: countries other than Ukraine; as defined by the List approved by Order of the Ministry of Communities and Territories Development of Ukraine No. 376 dated February 28, 2025, as in effect on the date of the event that has signs of an insured event, or in accordance with other legal acts in force on the date of such event, adopted in case of cancellation of the mentioned Order; the list published at https://uniqa.ua/private/voenniy-stan/, valid as of the date of the event that has signs of an insured event. Term of the insurance contract – 1 calendar year. The insurance contract enters into force on the date specified in the contract as the start date, but not earlier than the date following the date of crediting the insurance premium (or the first installment if paid in parts) to the Insurer’s current account, in the amount and within the term specified in the contract. The terms of this clause are the same for all Programs under this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill obligations under the insurance contract	If the consumer fails to fulfill the obligations specified in the insurance contract, payment of insurance indemnity may be refused. The terms of this clause are the same for all Programs under this insurance product.
8	Information about the possibility to purchase the insurance product separately	The insurance product is not an addition to other goods, works, or services that are not insurance-related. The terms of this clause are the same for all Programs under this insurance product.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	Discounts and promotional offers are not provided under this insurance product. The terms of this clause are the same for all Programs under this insurance product.
10	List of information essential for the assessment of the insurance risk, and/or information on other circumstances considered when determining the insurance premium amount	The information essential for the Insurer's decision on the insurance premium amount under the insurance contract and for assessing the insurance risk includes details on: the insured vehicle as specified in the registration certificate, the country of origin of the vehicle; drivers authorized to operate the insured vehicle; the main territory of use, nature and/or intensity of vehicle operation; the vehicle's technical condition; existing damages, identified hidden defects; losses to the insured vehicle that occurred prior to the conclusion of the insurance contract (including under contracts with other insurers); all valid insurance contracts concluded for the insured vehicle; the existence of legal grounds or other legal relations for the Insured and the Beneficiary’s Insurable Interest regarding the vehicle; transfer 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 agreement for 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 with competent authorities, registration (re-registration) of the vehicle; removal of the vehicle from state records, cancellation of state registration; the vehicle being wanted, under arrest or encumbered (except for encumbrances related to the contractual relations of the Insured with the Beneficiary); transfer of the vehicle into lease/sublease, rental, car-sharing, pledge, leasing/subleasing, use as a taxi; loss of registration documents and/or keys to the insured vehicle and/or key fobs, remote controls for the vehicle alarm system; errors, failures in the operation of computer equipment, software or built-in microchips, components; breakdown, removal, deactivation or replacement of anti-theft devices. The terms of this clause are the same for all Programs under this insurance product.
11	Consumer warning on the necessity to review information before concluding the insurance contract, including links to such information	Before concluding the insurance contract, it is necessary to review the information on exclusions from insurance cases and grounds for refusal of insurance payments, the Insurer’s liability limits for a specific insured object, insurance risk and/or insurance event, as well as the calculation procedure and conditions for making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/4612_umovy_04.04.2025.pdf The terms of this clause are the same for all Programs under this insurance product.