Standard insurance product "My MTPL" with code 4450 / 4454

The insured object is the liability for damage caused to the life, health and/or property of a third party during the use (operation) of the insured vehicle (hereinafter — the Vehicle or Insured Vehicle) 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.

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 a third party as a result of a road traffic accident (hereinafter – RTA) during the use (operation) of the insured Vehicle by the Person whose liability is insured.

Insurance limitations:

• Vehicles not registered in Ukraine or not subject to state or departmental registration;
• Vehicles without a chassis number (if destroyed), except for vehicles for which it is not required;
• Vehicles participating in competitions or test drives;
• Vehicles used as taxis, delivery services, rented, leased, car-sharing, regardless of ownership form;
• any military-purpose transport;
• water, air and other transport, except land;
• railway transport.

The insurance sum is aggregate (reduced after payment of insurance compensation), determined by agreement of the Parties in the amount from 150,000 UAH to 1,500,000 UAH.

Within the insurance sum, the following sublimits are set:

• for damage caused to the life and/or health of third parties — in the amount of 50,000 UAH;
• for damage caused to the property of third parties — in the amount of the difference between the insurance sum and the sublimit for damage caused to the life and/or health of third parties.

The insurance tariff may range from 0.04% to 0.88% of the insurance sum.

Insurance premium = insurance tariff × insurance sum.

The deductible (unconditional) is set for:

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

Insurance territory: Ukraine.

The insurance contract does not apply to:

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

The term of the insurance contract is set by agreement of the Parties and chosen by the Policyholder from the following options:

• 6 months;
• 1 calendar year.

The insurance contract enters into force on 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 (the first installment, if the total insurance premium is paid in parts) 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 specified in the insurance contract, payment of 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.

The information essential for the Insurer's decision on the amount of the insurance premium under the contract and the assessment of the insurance risk includes details about:

• the insured Vehicle as specified in the Vehicle registration certificate;
• the nature and/or intensity of use of the insured Vehicle;
• all existing insurance contracts concluded for the insured object;
• the change of the owner of the insured Vehicle (sale, donation, etc.);
• the deregistration or cancellation of state registration of the insured Vehicle;
• the insured Vehicle being wanted, under arrest, or encumbered;
• the transfer of the insured Vehicle for lease / sublease, rental, car-sharing, pledge, leasing / subleasing, use or donation;
• the use of the Vehicle as a taxi.

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 liability limits of the insurer for a specific insured object, insurance risk and/or insurance event, as well as the calculation procedure and conditions for insurance payments at the following link: https://uniqa.ua/storage/insurance-products/reports-files/4450_4454_umovy_20.01.2025.pdf