Standard insurance product "My MTPL +" under the TLF Insurance programme

◊ Information document on the standard insurance product "My Auto Liability +" under the TLF Insurance program

No.	Type of information	Information to be filled in by the insurer
1	Object of insurance	The object of insurance is liability for damage caused to the life, health, and/or property of the injured party during the use (operation) of the insured vehicle (hereinafter — Vehicle or Insured Vehicle) by the Person whose liability is insured. Persons whose liability is insured under the insurance contract include the Policyholder or another person who lawfully uses the Insured Vehicle. Under this product, eligible Insured Vehicles are technically sound and duly registered passenger cars of the Toyota and Lexus brands.
2	Insurance risks. Insurance limitations	Insurance risks: The occurrence of liability of the Person whose civil liability is insured, for damage caused to the life, health, and/or property of the injured party as a result of a traffic accident during the use (operation) of the Insured Vehicle by the Person whose liability is insured. Insurance limitations: The following are not covered by this insurance product: Vehicles not registered in Ukraine or not subject to state or departmental registration; Vehicles without a chassis number (if not provided by the manufacturer or destroyed); Vehicles used as taxis, rentals, for car sharing, test drives, driver training, or competitions; Military-purpose vehicles or demining service vehicles; Vehicles in a technically defective condition that cannot be admitted to road traffic under the requirements of the Road Traffic Rules.
3	Minimum and maximum insurance amounts (liability limits)	The insurance amount is aggregate (decreases after an insurance indemnity payment), and is determined by agreement of the Parties in the range from 150,000 UAH to 1,500,000 UAH. Within the insurance amount, the following sub-limits are established: for damage caused to the life and/or health of injured persons — 50,000 UAH; for damage caused to the property of injured persons — in the amount of the difference between the insurance amount and the sub-limit for damage to life and/or health of injured persons.
4	Minimum and maximum insurance premium and/or tariff	Minimum and maximum annual insurance tariff: from 0.06% to 0.1667% of the insurance amount under the insurance contract. Insurance premium = insurance tariff × insurance amount.
5	Type, minimum and maximum deductible (if applicable)	Deductible under the insurance contract — 0%.
6	Territory and term of the insurance contract (including information on the procedure for its entry into force and insurance period(s) (if applicable))	Insurance territory: Ukraine. The insurance contract does not apply: to temporarily occupied territories of Ukraine; to territories where state authorities temporarily do not exercise their powers, as well as to settlements located along the demarcation line; to areas of military operations of any kind; to areas where a state of emergency has been officially declared, or to a zone officially recognized by state authorities as an area of potential natural disaster, if such declaration was made before the conclusion of the insurance contract; to roads where sports competitions are held. Term of the insurance contract – 1 calendar year. The insurance contract enters into force from the date specified in the contract as the start date of its validity, but not earlier than the day following the date the insurance premium (or the 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 contract.
7	Possible consequences for the consumer in case of failure to fulfill obligations defined by the insurance contract	If the consumer fails to fulfill the obligations defined by the insurance contract, the insurer may refuse to pay insurance compensation.
8	Information about the possibility to purchase the insurance product separately	The insurance product is not an add-on to other goods, works, or services that are not insurance-related.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	Discounts and promotional offers are not provided for this insurance product.
10	List of information essential for assessing the insurance risk and/or other circumstances considered when determining the insurance premium amount	The information essential for the Insurer’s decision on the amount of the insurance premium under the insurance contract and for the assessment of the insurance risk includes details on: the insured vehicle as indicated in the vehicle registration certificate; the nature and/or intensity of use of the Insured Vehicle; all valid insurance contracts concluded with respect to the Insured Object; change of ownership of the Insured Vehicle (sale, donation, etc.); deregistration of the Insured Vehicle or cancellation of state registration; the Insured Vehicle being wanted, under arrest, or encumbered; transfer of the Insured Vehicle for rent / sublease, hire, car-sharing, pledge, leasing / subleasing, use, or donation; use of the vehicle as a taxi.
11	Consumer warning on the need to review information prior to entering into the insurance contract, including a link to such information	Before entering into the insurance contract, it is necessary to review the information on exclusions from insurance events and grounds for refusal of insurance payments, the Insurer’s liability limits for a particular insured object, insurance risk and/or insurance event, as well as the calculation procedure and conditions of insurance payments, available at: https://uniqa.ua/storage/insurance-products/reports-files/4453_umovy_07.02.2025.pdf