Standard insurance product ‘My MTPL’

Only those types of vehicles defined by law may be insured vehicles.

Insurance risks:

A road traffic accident (hereinafter – RTA) involving the insured vehicle, as a result of which liability may arise for the person whose civil liability is insured.

Insurance limitations:

Exclusions that are not recognized as insured events and are specified in Art. 30 of the Law of Ukraine “On Compulsory Insurance of Civil Liability of Owners of Land Vehicles” dated 21.05.2024.

The insurance amount is:

• for damage caused to the life and health of victims – UAH 500,000 per injured person, but not more than UAH 5,000,000 per insured event;
• for damage caused to the property of victims – UAH 250,000 per injured person, but not more than UAH 1,250,000 per insured event.

If, as a result of an RTA, damage is caused to the life, health and/or property of several victims and the insurance amount is insufficient to compensate for such damage in full, the insurance payment shall be made within the insurance amount in proportion to the damage caused to each victim who applied for an insurance payment within 30 days after the RTA.

The amount of the insurance premium under the insurance contract is determined by the Insurer at the time of conclusion of the contract in accordance with the approved tariff policy for this insurance product.

Under the insurance contract no deductible applies.

Territory of the insurance contract: Ukraine, except for:

• temporarily occupied territories;
• territories where state authorities temporarily do not exercise their powers, and in settlements located along the demarcation line;
• territories of military operations of any kind.

Term of the insurance contract: 6 months or 1 year.

Conclusion of insurance contracts for a period of less than 6 months (15 calendar days, 21 calendar days, 1 month, 2 months, 3 months, 4 months, 5 months) is allowed only for vehicles:

• not registered in accordance with the Law of Ukraine “On Road Traffic” – for the period until its registration;
• temporarily located on the territory of Ukraine and registered in a foreign state – for the period of its stay in Ukraine.

The insurance contract enters into force from the date specified in the contract as the start date of the insurance period, but not earlier than the day following the date the insurance premium is credited to the Insurer’s current account in the amount and within the period specified in the contract.

If the consumer fails to fulfill the obligations defined by the insurance contract, insurance compensation may be refused.

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

Discounts and promotional offers are not provided under this insurance product, however, legislation provides a benefit under which the insurance payment is reduced by 50% for categories of Ukrainian citizens specified in item 13 “Information about the insurance product” below.

Information essential for the assessment of the insurance risk includes data on:

• the insured vehicle, as specified in the vehicle registration certificate;
• the age and driving experience of the owner / drivers allowed to operate the vehicle;
• the nature and/or intensity of use of the insured vehicle (use as a taxi, leasing, rental, etc.);
• accidents involving the Policyholder and/or other drivers allowed to operate the insured vehicle, which occurred before the conclusion of the insurance contract (including under insurance contracts with other insurers);
• all current insurance contracts concluded for the insured vehicle.

Procedure for concluding the insurance contract:

1. Identifying the client’s needs. Before concluding the insurance contract, the Insurer (or the insurance intermediary) clarifies the client’s requirements and needs verbally, through correspondence, or by filling out appropriate forms on the website. Based on the information provided, a proposal is prepared.
2. Information for the client. The client is provided with accessible and comprehensive information about the insurance product, the Insurer, and the intermediary (if necessary), including by posting relevant information on the Insurer’s / insurance intermediary’s website.
3. Disclosure of essential information by the client. Before concluding the insurance contract, the client informs the Insurer / insurance intermediary of all circumstances known to them that are essential for the assessment of the insurance risk.
4. Conclusion of the contract. After reaching agreement on all essential terms of the insurance contract, the Parties conclude the contract exclusively in written form as an electronic document signed with the electronic signatures of both Parties.
5. Stages of contract execution through the information and communication system of the Insurer / insurance intermediary (hereinafter – ICS):
   • Client identification in the ICS and provision of necessary information to prepare the proposal.
   • The Insurer forms a proposal to conclude the insurance contract, which is registered in the Unified Central Database of MTIBU (hereinafter – UCDB MTIBU), sent to the client through the ICS, and is valid until the end of the day on which it was formed, but no later than the date and time of commencement of the insurance contract.
   • MTIBU provides the possibility to verify the registration of the proposal in the UCDB MTIBU and publishes on its website information on how to verify the registration of the proposal for the conclusion of an electronic insurance contract.
   • The client accepts the proposal and signs the insurance contract.
   • The insurance contract is signed by the authorized representative of the Insurer / insurance intermediary.
   • The insurance contract is registered in the UCDB MTIBU and the client is sent a copy signed by both Parties via electronic and/or mobile communication means or it is posted in the personal account my.UNIQA.ua.

Procedure for payment of the insurance contract:

The insurance premium under the contract is paid once in full before or at the time of conclusion of the insurance contract.

The validity of the insurance contract, as well as its existence and status according to the UCDB MTIBU, can be verified:

• via the QR code located on the first page of the insurance contract, or
• directly on the MTIBU website at https://mtsbu.ua/avtocivilka/perevirka-chinnosti-polisu.

Ukrainian legislation provides for a benefit under which the amount of the insurance premium is reduced by 50% for a citizen of Ukraine, provided that they are:

• a combatant, a war participant;
• an injured participant of the Revolution of Dignity;
• a person with disability of group I or II;
• a person with disability due to war;
• a person affected by the Chornobyl disaster, classified in category I or II;
• a pensioner.

This benefit applies if the vehicle:

• has an engine capacity of up to 2500 cm³ inclusive / electric motor power up to 100 kW inclusive;
• belongs to such a person by right of ownership and is used by them under the condition of personal driving or driving by a person who also belongs to the categories defined in this section, without the purpose of carrying out commercial transportation of passengers or cargo.

In the event of a change of the insured vehicle owner due to its lawful transfer, the compulsory third-party liability insurance contract remains valid until the end of its term, and the rights and obligations of the policyholder are transferred to the new owner of the specified vehicle.

In the event of the death of the policyholder – a natural person, their rights and obligations under the compulsory third-party liability insurance contract are transferred to the person who inherited the vehicle specified in such contract and/or who, in the case provided for by the Civil Code of Ukraine, is considered to have accepted the inheritance.

The right to receive part of the insurance premium in case of early termination of the insurance contract due to the death of the policyholder – a natural person is transferred to the person who inherited the vehicle specified in such contract and/or who, in the case provided for by the Civil Code of Ukraine, is considered to have accepted the inheritance.

In the event of a change of the insured vehicle owner, the new owner is obliged, within 15 calendar days from the date of acquiring ownership of the vehicle, to notify the insurer in writing and provide their personal data to the insurer.

Official MTIBU website page: https://mtsbu.ua/about

MTIBU contacts: https://mtsbu.ua/contacts

In case of damage caused in the territory of Ukraine by a vehicle covered by a domestic insurance contract with an insurer who, at the date of submission of the application for a regulatory payment, was not entitled to provide compulsory insurance of civil liability due to termination of MTIBU membership, and such insurer (or its successor), after the period established by the Law of Ukraine “On Compulsory Insurance of Civil Liability of Land Vehicle Owners” dated 21.05.2024 (hereinafter – Law 3720) for making a decision on an insurance payment, has not made the appropriate decision or has made a decision but has not executed the payment, as well as in case of bankruptcy proceedings or liquidation of such insurer, – the MTIBU, at the expense of the Victims Protection Fund, makes a regulatory payment under the conditions defined by Law 3720, i.e. within the insurance limits established on the date of the domestic insurance contract under which such payment is made.

The procedure for MTIBU regulatory payments is published on the MTIBU website at: https://mtsbu.ua/avtocivilka/zayava-pro-strahove-vidshkoduvannya.

The injured party may exercise the right to direct settlement of the insurance case and submit an insurance claim to their insurer if:

• The accident involved only 2 (two) vehicles,
• the injured party suffered damage exclusively in the form of damage or physical destruction of the vehicle, without harm to life or health.

In other cases, the insurance claim shall be submitted exclusively to the insurer of the liable party.

The injured party who exercised the right to direct settlement of the insurance case and submitted a claim to their insurer loses the right to apply to the insurer of the liable party for an insurance payment. The injured party who did not exercise the right to direct settlement and submitted a claim to the insurer of the liable party loses the right to apply to their own insurer for an insurance payment.

The insurer of the injured party to whom the claim is submitted must ensure proper registration of the claim and accept it, provided that at the time of submission such insurer is a member of the MTIBU, the accident circumstances meet the conditions specified in the first paragraph of this clause, and the injured party has confirmed in writing that no claim was submitted to the insurer of the liable party.

The insurer of the injured party who accepted the claim must review it, make a decision, and, provided there are no grounds for refusal of insurance (regulatory) payments (Article 30 of Law 3720), make the insurance payment.

If the insurer of the injured party establishes that a claim was previously submitted to the insurer of the liable party before the claim was filed with the injured party’s insurer, the insurer of the injured party has the right to return the claim to the injured party without review.