Standard insurance product "My MTPL +" with code 4464/4451

The insured object is the liability for damage caused to the life, health and/or property of a third injured party during the use (operation) of the Insured Vehicle (hereinafter — Vehicle or Insured Vehicle), specified in the Agreement, by the Person whose liability is insured.

The persons whose liability is insured under the insurance contract include the Policyholder or another person who lawfully uses the Insured Vehicle. Under this product, the Insured Vehicles may include passenger cars, motorcycles, trucks, buses and trailers, specialized equipment, agricultural machinery and other self-propelled machinery, as well as mechanisms or special equipment installed on them.

An insurance risk is the occurrence of liability for damage caused to the life, health and/or property of a Third Party Victim 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 the Insurance Risk defined by the Contract, provided all of the following conditions are met:

• the damage occurred during the term and within the Territory of the Contract (the contract is an event-based insurance contract);
• the fact of damage is substantiated and proven;
• there is fault of the Person whose liability is insured in causing the damage;
• there are no intentional actions by the Person whose liability is insured that led to 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 under this product:
• Vehicles not registered in Ukraine or not subject to state or departmental registration;
• Vehicles without a chassis number (if it is destroyed), not applicable to vehicles for which it is not required;
• Vehicles participating in competitions or test drives;
• Vehicles used as taxis, rentals, or delivery services, regardless of ownership form;
• Any military-purpose transport;
• Water, air and other transport, except ground vehicles;
• Railway transport.

The insurance sum is determined by agreement of the parties and is chosen by the Policyholder from the following options:

• 150,000 UAH, 300,000 UAH, 600,000 UAH, 1,000,000 UAH, 1,200,000 UAH, 1,500,000 UAH.

Within the insurance sum, 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 — the difference between the insurance sum and the sub-limit for damage caused to the life and/or health of injured persons.

The insurance sum is aggregate, meaning it decreases after an insurance indemnity payment.

Minimum and maximum annual insurance rate: from 0.04% to 0.88%
Insurance premium = Insurance Sum * Insurance Rate

The deductible is set for:

• passenger cars, motorcycles, trucks, buses and trailers — in the amount of 0 UAH;
• agricultural machinery and other self-propelled machinery — in the amount of 2,000 UAH.

Deductible type: unconditional, for each insured event.

Territory of insurance: Ukraine.
The insurance contract does not apply to:

• temporarily occupied territories of Ukraine, as defined by Ukrainian legal acts;
• territories of Ukraine where state authorities temporarily do not exercise their powers, and settlements located on the demarcation line;
• territories of military operations of any kind, regardless of official recognition of war under law, military conflicts, or civil unrest;
• areas where a state of emergency has been officially declared, or zones officially recognized by state authorities as areas of potential natural disaster, if such declaration was made before the conclusion of the insurance contract;
• roads where sports competitions are held.

The term of the insurance contract is established by agreement of the Parties and amounts to:

• 6 months;
• 1 calendar year.

The contract enters into force and insurance coverage starts from 00:00 Kyiv time on the date following the date the total insurance premium (or the first part, if paid in installments) is credited to the Insurer’s account, in the amount and within the time specified in the Contract, but not earlier than 00:00 Kyiv time on the date specified in the Contract as the start date.

The contract and insurance coverage remain valid until 24:00 Kyiv time on the date specified in the Contract as the end date, unless other circumstances provided for in the Contract lead to early termination.

For failure or improper fulfillment of the terms of the contract, the policyholder bears liability as provided by the legislation of Ukraine.

The presence of circumstances that are exclusions from insurance cases and limitations of insurance, as provided by the Terms of the Contract, is a basis for refusal of the insurance payment.

In any case, the Insurer is released from the obligation to pay insurance compensation for events at the time of which there was overdue debt in payment of the total insurance premium (or part thereof, if the total premium is paid in installments) under the Contract.

The contract is not an add-on to other goods, works or services that are not insurance-related. 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 obtaining the financial service under the Contract.

Discounts and promotional offers are not available and do not apply.

Before concluding the Contract, the Policyholder is obliged to inform the Insurer of information that is significant for the Insurer’s decision on concluding the Contract and/or on the amount of the insurance premium under the Contract, including information about circumstances that are significant for assessing the insurance risk (determining the likelihood and probability of the insured event and the amount of possible losses), and during the term of the Contract, no later than 5 (five) working days after the occurrence of changes, to notify the Insurer in writing of any change in circumstances that are significant for assessing the insurance risk and/or other circumstances affecting the amount of the insurance premium under the Contract.

Information that is significant for the Insurer’s decision to conclude the Contract, and/or on the amount of the insurance premium under the Contract, and/or for assessing the insurance risk includes details about the vehicle specified in the Contract, as well as information about:
• the nature and/or intensity of the operation of the Insured Vehicle;
• all valid insurance contracts concluded regarding the Insured Object;
• change of ownership of the Insured Vehicle (sale, donation, etc.);
• deregistration of the Insured Vehicle, cancellation of state registration;
• the Insured Vehicle being under search, arrest or encumbrance;
• transfer of the Insured Vehicle to lease / sublease, rental, car sharing, pledge, leasing / subleasing, use or donation;
• use of the vehicle as a taxi.

This insurance product requires prior review by the consumer to make an informed decision about entering into the insurance contract.

Before concluding the insurance contract, the consumer must familiarize themselves with the information on exclusions from insured events and grounds for refusal to make insurance payments, the Insurer’s liability limits for a specific insured object, insurance risk and/or insured event, as well as the procedure for calculation and conditions of insurance payments, which is contained in the General Terms and Conditions of the insurance product "Mini CASCO" with code 4644, available at the link:

https://uniqa.ua/storage/public-offer/categories/4444_4451_umovy_07.02.2025.pdf