Standard insurance product "Protection from other people's mistakes"

The insured object is property under ownership and/or use and/or disposal, namely: a vehicle (hereinafter – the Vehicle), with which the Policyholder’s insurance interests are associated.

Under this product, technically sound passenger vehicles are accepted for insurance, including:

• Passenger vehicles with no more than 9 seats (including the driver’s seat);
• Cargo vehicles (cargo-passenger, vans) with a total weight of up to 3,000 kg (inclusive);
• Special vehicles with a total weight of up to 3,000 kg (inclusive).

Insurance Risks: Road traffic accidents (RTAs) involving two or more identified participants as a result of a collision (contact) of the insured Vehicle with another vehicle participating in the RTA, which occurred without the full fault of the insured Vehicle’s driver.

Insurance Limitations:

The following are not subject to insurance under this product:

• 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, competitions, as replacement vehicles, or those rented or leased;
• Vehicles of security companies, carriers (including hazardous goods), public transport, police, SES (State Emergency Service), ambulance, utilities, courier services, airport services, military use, demining services;
• Vehicles that are technically defective and cannot be admitted to road traffic under the requirements of the Road Traffic Rules;
• Vehicles under pledge or leasing.

The insurance sum is aggregate and is determined by agreement of the Parties in the amount from 150,000 UAH to 500,000 UAH.

The insurance tariff may range from 0.3348% to 1.5263% of the insurance sum.

Insurance premium = insurance tariff × insurance sum.

Insurance territory: Ukraine, except

• temporarily occupied territories of Ukraine;
• territories where state authorities temporarily do not exercise their powers, and in settlements located along the demarcation line;
• territories of war zones of any nature;
• areas where a state of emergency has been officially declared, or in zones officially recognized by state authorities as potential natural disaster areas, if such declaration was made before the conclusion of the insurance contract;
• roads where sports competitions are held.

Validity period of the insurance contract - 1 calendar year.

The insurance contract enters into force on the date specified in the insurance contract as the start date of its validity period, but not earlier than the date following the date of crediting the Insurer’s current account with the insurance premium (or the first installment of the premium, if the total premium is paid in installments) in the amount and within the period specified in the insurance contract.

In case the consumer fails to fulfill the obligations specified in the insurance contract, the 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 for this insurance product.

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

• the nature and/or intensity of the use of the vehicle;
• the technical condition of the vehicle;
• existing damages, detected hidden defects;
• losses related to the Insured Vehicle that occurred before the conclusion of the insurance contract (including under insurance contracts with other insurers);
• all active insurance contracts concluded in relation to the Insured Vehicle;
• the existence of legal grounds or other legal relations establishing an insurable interest for the Policyholder and the Beneficiary regarding the vehicle;
• a change of ownership of the vehicle (sale, donation, etc.), issuance of a power of attorney with the right to dispose of the vehicle to another person, conclusion of a preliminary sale and purchase agreement concerning the Insured Vehicle, receipt of a deposit;
• registration (re-registration) of the vehicle, deregistration, or cancellation of state registration;
• the vehicle being wanted, under arrest, or encumbered (except for encumbrances related to the performance of contractual relations between the Policyholder and the Beneficiary);
• transfer of the vehicle for lease / sublease, rental, car sharing, pledge, leasing / subleasing; use of the vehicle as a taxi;
• loss of registration documents for the Insured Vehicle.

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 Insurer’s liability limits for a specific insured object, insurance risk and/or insurance event, as well as the calculation procedure and conditions for insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/4640_4641_umovy_10.06.2024.pdf