Standard insurance product "My MTPL +" with code 4409/1

→ General terms of the standard insurance product "My Auto Liability +" with code 4409/1

→ Information document on the standard insurance product "My Auto Liability +" with code 4409/1

No	Type of information	Information to be completed by the insurer
1	Object of insurance	The object of insurance is liability for damage caused to an injured third party and/or their property during the use (operation) of the Insured Vehicle (hereinafter – Vehicle or Insured Vehicle) specified in the Contract by the Person whose liability is insured. For this insurance product, the Insured Vehicle may be a technically sound and duly registered vehicle in the relevant authorities, which has passed the mandatory technical inspection by an authorized body (if such a vehicle is subject to mandatory inspection), and is intended for transporting people and/or cargo, as well as special equipment or mechanisms installed on it.
2	Insurance risks. Insurance events. Insurance limitations	An insurance risk is the occurrence of liability for damage caused to the life, health and/or property of an Injured third party and/or their property as a result of a traffic accident during the use (operation) of the Insured Vehicle by the Person whose liability is insured. An insurance event is the occurrence of an Insurance risk defined in the Contract, provided that all of the following conditions are met: damage was caused during the validity period and within the Territory of the Contract (the contract is an event-based insurance agreement); the fact of damage is substantiated and proven; the Person whose liability is insured is at fault for causing the damage; there are no intentional actions of the Person whose liability is insured that led to the occurrence of the Insurance event; the damage was caused and claims were made in accordance with the terms of the Contract. 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), except for homemade trailers; • Vehicles used as taxis, for car sharing, test drives, training driving, competitions, replacement vehicles, or those under lease or rental; • Vehicles in technically defective condition and not allowed on the road under traffic regulations; • Vehicles under pledge or leasing.
3	Minimum and maximum amounts of the insurance sum (liability limit)	The insurance sum under the contract – 250,000 UAH. Within the insurance sum, the following sublimits are established: • for damage to the life and/or health of third parties — in the amount of 50,000 UAH; • for damage to the property of third parties — in the amount of 200,000 UAH. The insurance sum is aggregate, meaning it decreases after the payment of insurance compensation.
4	Minimum and maximum amounts of the insurance premium and/or insurance rate	The insurance premium under the contract – 300 UAH.
5	Type, minimum and maximum amounts of the deductible (if any)	Deductible under the insurance contract — 0 UAH.
6	Territory and term of the insurance contract (including information on the procedure for its entry into force and insurance period(s), if any)	Territory of insurance: Ukraine. The insurance contract does not apply: to temporarily occupied territories of Ukraine, as defined by Ukrainian legislation; to territories of Ukraine 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, regardless of the official recognition of war under law, military conflicts, or public unrest; to locations where a state of emergency has been officially declared or in zones officially recognized by state authorities as areas of potential natural disaster, if such declaration was made before the insurance contract was concluded; to roads where sports competitions are held. The duration of the insurance contract is 1 calendar year. The contract enters into force and the Insurance coverage begins at 00:00 Kyiv time on the day following the date the Total insurance premium (or the first part if paid in installments) is credited to the Insurer’s current account, in the amount and within the time limits specified in the Contract, but not earlier than 00:00 Kyiv time on the date specified in the Contract as the start date of the term of the Contract. The contract and Insurance coverage remain in effect until 24:00 Kyiv time on the date specified in the Contract as the end date of the term of the Contract, unless other circumstances provided for in the Contract result in its early termination.
7	Possible consequences for the consumer in case of failure to fulfill the obligations defined by the insurance contract	For failure to perform or improper performance of the contract terms, the policyholder bears liability as provided by the legislation of Ukraine. The presence of circumstances that are exclusions from Insurance events and insurance limitations, as defined by the Contract Terms, is a basis for refusal of the Insurance payment.
8	Information on the possibility to purchase the insurance product separately	The contract is not an addition to other goods, works, or services that are not insurance. In connection with the conclusion of the Contract, there is no need to obtain additional or related services from the Insurer and/or third parties related to receiving the financial service under the Contract.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the insurer	Discounts and promotional offers are not available and do not apply.
10	List of information essential for assessing the insurance risk and/or information on other circumstances considered when determining the amount of the insurance premium	Information essential for the Insurer’s decision to conclude the Contract and/or determine the amount of the Insurance premium, and/or assess the insurance risk includes details of the Vehicle specified in the Contract, as well as information on: • the nature and/or intensity of use of the Insured Vehicle; • all active insurance contracts concluded regarding the Object of insurance; • change of owner of the Insured Vehicle (sale, donation, etc.); • deregistration of the Insured Vehicle, cancellation of state registration; • the Insured Vehicle being wanted, under arrest, or encumbered; • transfer of the Insured Vehicle into lease/sublease, rental, car sharing, pledge, leasing/subleasing, use, or donation; • use of the Vehicle as a taxi.
11	Consumer warning about the need to review, prior to concluding the insurance contract, information on exclusions from insurance events and grounds for refusal of insurance payments, insurer’s liability limits for a particular object of insurance, insurance risk and/or insurance event, as well as the procedure and conditions for insurance payments, including references to such information	This insurance product requires prior review by the consumer in order to make an informed decision on concluding the insurance contract. Full information about the insurance product is disclosed in the General Terms of the insurance product “My Auto Liability +” with code 4409/1, available at: https://uniqa.ua/storage/public-offer/partner-reports/44091_Umovy_17.07.2024.pdf Before concluding the insurance contract, the consumer should review information on exclusions from insurance events (Section 6 of the General Terms) and grounds for refusal of insurance payments (Section 10 of the General Terms), liability limits of the insurer for a particular object of insurance, insurance risk and/or insurance event (Section 5 of the General Terms), as well as the procedure and conditions for calculating and making insurance payments (Section 9 of the General Terms).