Standard insurance product "My sweet home" with the code 2106

◊ Information document on the standard insurance product "My Lovely Home" with code 2106

No.	Type of Information	Programs
		Standard		Vacation
1	Insured Object	in terms of property insurance — an apartment / private house under the right of ownership, use and/or disposal, including: structural elements including engineering and communication systems, interior finishing, movable household property (if chosen by the Policyholder); in terms of liability insurance — liability for damage caused to neighbors during ownership, use and/or disposal of the Insured Property by Persons whose liability is insured (if liability insurance is provided for in the insurance contract).		in terms of property insurance — an apartment / private house under the right of ownership, use and/or disposal, including: structural elements including engineering and communication systems, interior finishing.
2	Insurance Risks. Insurance Events. Insurance Limitations	1. Insurance Risks 1.1. in terms of property insurance: Fire risks; Natural disasters (downpour, storm, hurricane, gale, tornado, squall, hail, rockfall, landslide, earthquake, flood, freshet, high water, mudflow, collapse, landslip, ground subsidence, meteorite fall); Water risks; Unlawful acts of third parties (burglary with break-in traces, robbery, assault, vandalism); Falling objects (including manned aircraft), glass breakage. The conditions of this subparagraph are the same for all Programs provided for by this insurance product.
		1.2. Insurance risks in terms of liability insurance:
		— the occurrence of liability of Persons whose liability is insured, as a result of their actions or omissions during ownership, use and/or disposal of the Insured Property, for damage caused to third parties (neighbors) and/or their property.		not provided under the “Vacation” Program.
		1.3. War risks:
		if chosen by the client, within 10% of the insurance sum in terms of property insurance.		not provided under the “Vacation” Program.
		1.4. Insurance limitations: The following are not covered under this product: any vehicles, their components, mobile cottages, residential trailers; objects subject to demolition, in an emergency condition, dilapidated and/or old, not commissioned, under construction and/or installation, under restoration, where construction and installation works are being carried out, including objects under repair, or objects not in use; objects not used for permanent residence, i.e., not operated for more than 90 consecutive calendar days; personal belongings of the Policyholder (Beneficiary), including clothing and footwear; indoor plants, food products, animals and birds; intellectual property, antiques, fur products, cash, payment cards / savings books, documents, data carriers, mobile phones, items made of precious / noble metals, stamp and coin collections, etc. The conditions of this subparagraph are the same for all Programs provided by this insurance product.
3	Minimum and maximum amounts of the insurance sum (liability limit)	The insurance sum for property insurance is determined by the Insurer depending on the settlement and the total area of the property. The insurance sum for liability insurance is agreed upon by the Parties and chosen by the Policyholder from the options: 100,000 UAH, 200,000 UAH, 300,000 UAH, 500,000 UAH, 1,000,000 UAH.		The insurance sum for property insurance is set at 100,000 UAH.
4	Minimum and maximum insurance premium and/or insurance tariff	Minimum and maximum insurance tariff: for property insurance — from 0.11% to 0.39%; for liability insurance — from 0.10% to 0.34%.		Minimum and maximum insurance tariff for property insurance — from 0.31% to 0.47%.
5	Type, minimum and maximum deductible amounts (if any)	Deductible for property and liability insurance — chosen by the Policyholder when concluding the insurance contract from the options: 3,000 UAH, 5,000 UAH, 10,000 UAH. At the same time, in case of damage to the life or health of a third party (in terms of liability insurance), the deductible is not applied.		Deductible for property insurance — in the amount of 3,000 UAH.
6	Territory and term of the insurance contract [including information on the procedure for its entry into force and the insurance period(s) (if any)]	1. Territory of insurance: the address of the insured property according to the registration documents, except: temporarily occupied territories of Ukraine; territories of Ukraine where state authorities temporarily do not exercise their powers, and in settlements located on the demarcation line; territories of combat zones of any kind; areas where a state of emergency has been officially declared or in zones officially recognized by state authorities as potential natural disaster zones, if such declaration was made before the insurance contract was concluded; additionally, under War Risks, if provided by the insurance contract, the territories of the following regions of Ukraine: Chernihiv, Sumy, Kharkiv, Luhansk, Donetsk, Dnipropetrovsk, Zaporizhzhia, Kherson, Mykolaiv, Odesa regions and the Autonomous Republic of Crimea. The conditions of this clause are the same for all Programs provided by this insurance product.
		2. Term of the insurance contract:
		1 calendar year	is determined by agreement of the Parties and may range from 4 to 60 calendar days
		3. The insurance contract enters into force on the date specified in the contract as the start date of the insurance period, but not earlier than the day following the date of crediting the insurance premium (the first installment, if the total insurance premium is paid in parts) to the Insurer’s current account, in the amount and within the term specified in the contract. The conditions of this clause are the same for all Programs provided by this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill obligations specified in the insurance contract	In case the consumer fails to fulfill the obligations specified in the insurance contract, the Insurer may refuse to pay insurance compensation. The conditions of this clause are the same for all Programs provided by this insurance product.
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. The conditions of this clause are the same for all Programs provided by this insurance product.
9	Conditions for obtaining a discount on the insurance product and promotional offers of the Insurer	Discounts and promotional offers are not provided under this insurance product. The conditions of this clause are the same for all Programs provided by this insurance product.
10	List of information essential for the assessment of insurance risk, and/or information about other circumstances considered when determining the amount of the insurance premium	Information essential for the Insurer’s decision to conclude the insurance contract, and/or to determine the amount of the insurance premium, and/or to assess the insurance risk includes details of the Insured Object specified in the contract, as well as information about: transfer of the Insured Property into mortgage, pledge, leasing / subleasing; change of ownership of the Insured Property (sale, donation, etc.), issuance of a power of attorney with the right to dispose of the Insured Property to another person, conclusion of a preliminary purchase and sale agreement regarding the Insured Property, receipt of a deposit; use of the Insured Property not for its intended purpose or carrying out redevelopment / repair works to use it as an office, warehouse, commercial premises, hotel, sauna, workshop, etc.; lack of supervision over the Insured Property for more than 60 (sixty) consecutive calendar days; the presence in the structural elements of the Insured Property of external and/or internal wooden walls (including partially or fully covered with brick, foam, gas or cinder blocks), and/or wooden ceilings (for buildings over 1 floor); the Insured Property being under arrest or encumbrance (except for encumbrance related to the contractual relations of the Policyholder with the Beneficiary); all valid insurance contracts concluded with respect to the Insured Object. The conditions of this clause are the same for all Programs provided by this insurance product.
11	Consumer warning about the need to familiarize with the information before concluding the insurance contract, including a link to such information	Warning: before concluding the insurance contract, it is necessary to familiarize yourself with the information on exclusions from insurance cases and grounds for refusal of insurance payments, the Insurer’s liability limits for a particular insured object, insurance risk and/or insured event, as well as the procedure for calculating and conditions of insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/2106_umovy_10.04.2025.pdf The conditions of this clause are the same for all Programs provided by this insurance product.