Standard insurance product "My Protection on the Road" with code 4500

The insured object is the life, health and/or working capacity of the driver and/or passengers of the Vehicle (hereinafter – the Insured Persons).

Insurance Risks:

An insurance risk is an accident in transport involving the Insured Person that occurred as a result of a traffic accident with the participation of the Covered Vehicle.

Covered Vehicle – a land vehicle specified in the insurance contract, for which the insurance of the driver and/or passengers is concluded.

Insurance Limitations:

The following cannot be Covered Vehicles:

• Vehicles not registered in Ukraine or not subject to state registration;
• Vehicles without a body number (if not provided by the manufacturer or destroyed);
• Vehicles used as taxis, for car sharing, test drives, driving lessons, or competitions;
• Vehicles in a technically defective condition that cannot be admitted to road traffic in accordance with the Road Traffic Rules.

Insurance contracts under this product are concluded at the Policyholder’s choice on the basis of a lump-sum system or a seat-based system.

Lump-sum system – a system under which the insurance contract sets a total insurance sum for the Covered Vehicle, and the insurance sum for each injured Insured Person is determined after the insured event, based on the number of injured Insured Persons.

Seat-based system – a system under which the insurance contract sets an insurance sum for each individual seat in the Covered Vehicle, in accordance with the technical specifications of the vehicle.
The insurance sum is chosen by the Policyholder from the following options:

• under the lump-sum system the insurance sum per vehicle may be: 50,000 / 100,000 / 200,000 / 300,000 / 500,000 / 1,000,000 UAH;
  
• under the seat-based system the insurance sum per seat may be: 50,000 / 100,000 / 200,000 / 300,000 / 500,000 / 1,000,000 UAH.

Under the seat-based system it is possible to conclude an insurance contract for:
1. One seat – only the driver’s seat is considered insured;
2. All seats according to the technical specifications of the vehicle.

Insurance rate:

• 0.29% of the insurance sum under the lump-sum system;
• 0.22% of the insurance sum under the seat-based system.

For policyholders that are legal entities, the insurance rate and premium may differ from the above, are determined depending on the chosen insurance conditions and the amount of the insurance sum (liability limit), and are specified in the insurance contract by agreement of the Parties.

Unconditional deductible under the insurance contract — 0 UAH.

Territory of insurance: Ukraine.

The insurance contract does not apply:

1. to the temporarily occupied territories of Ukraine defined by Ukrainian legislation, as well as to territories where state authorities temporarily do not exercise their powers, and to settlements located on the contact line;

2. Insurance coverage in the territory of Ukraine (except as specified in the previous point) that is in a zone of hostilities of any kind, regardless of official recognition of war under the law, is provided for insured events that are not causally related to war or military conflicts and any methods of conducting them, subject to the exclusions from insured events stipulated by the insurance contract.

Term of the insurance contract — 1 calendar year.

The insurance contract enters into force on the date specified in the contract as the start date of the term, but not earlier than the day following the date the insurance premium (or the first installment if the premium is paid in parts) is credited to the Insurer’s current account, in the amount and within the time specified in the contract.

If the consumer fails to fulfill the obligations set by the insurance contract, the insurer may refuse to pay insurance compensation.

If the insurance premium is not paid within the terms specified in the insurance contract, the contract is considered not concluded.

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 for this insurance product.

The information essential for the insurer’s decision on the insurance premium under the contract and for assessing the insurance risk includes data on:

• the nature and/or intensity of vehicle use;
• the place of vehicle registration;
• all valid insurance contracts concluded in respect of the insured object;
• change of ownership of the insured vehicle (sale, donation, etc.);
• removal of the insured vehicle from the state register, cancellation of registration;
• the insured vehicle being wanted, under arrest or encumbered;
• transfer of the insured vehicle to lease / sublease, rental, carsharing, pledge, leasing / subleasing;
• use of the vehicle as a taxi.

Warning: before concluding the insurance contract, it is necessary to review the information about exclusions from insured events and grounds for refusal of 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 at the following link: https://uniqa.ua/storage/insurance-products/reports-files/4500_umovy_28.06.2024.pdf