Стандартний страховий продукт "Мій любий дім +"

Insurance objects:

• in terms of property insurance - an apartment / private house with the right of possession, use and/or disposal, including structural elements with engineering and communication systems, as well as at the client's choice:
  • Interior decoration;
  • Movable property;
  • Personal belongings;
  • Outbuildings;
  • Solar / wind installations / heat pumps;
  • Landscape design.

• in terms of liability insurance - liability for damage caused to injured third parties during the possession, use and/or disposal of the Insured Property by Persons whose liability is insured (if the insurance contract provides for liability insurance).

Insurance risks:

• in terms of property insurance:
  • basic:
    • fire (including arson), explosion, lightning strike (hereinafter referred to as Fire Insurance Risks);
    • Natural disasters (downpour, storm, hurricane, tempest, tornado, squall, hail, rock collapse, rockfall, earthquake, flood, flash flood, mudslide, landslide, landslide, subsidence of the soil, meteorite falling on the Insured Property);
    • failure of water supply, sewerage, heating systems and household appliances connected thereto, penetration of water or other liquids from neighbouring premises, freezing of utility systems (hereinafter referred to as Water Insured Risks);
    • Unlawful actions of third parties (theft with penetration, including with traces of breaking and entering, robbery, burglary, vandalism);
    • Falling of manned aircraft.

• • at the client's choice:
    
    • Glass breakage, Collision with land vehicles;
    • Electrical risks (if there are proper voltage monitoring devices);
    • All risks of external impact that do not fall within the exclusions and limitations of insurance provided for in the insurance contract, including falling objects, trees, animal attacks, etc.;
    • War risks.
• in terms of liability insurance - the fact of the occurrence of liability of Persons whose liability is insured, as a result of their actions or inaction during the possession, use and/or disposal of the Insured Property, for damage caused by injured third parties and/or their property.

Insurance limitations:

The following are not eligible for insurance under this product:

• any vehicles, their components and parts;
• mobile cottages, residential trailers;
• objects that are subject to demolition, are in emergency condition, are dilapidated and/or old, not put into operation, are in the process of construction and/or installation, restoration, where construction and installation works are carried out, incl. objects in a state of repair or objects that are not in operation;
• objects that are not used for permanent residence, i.e. not in operation for more than 60 consecutive calendar days;
• indoor plants, food, animals and birds;
• intellectual property objects, antiques, fur and fur products, cash/money, payment cards/savings books, documents, data storage devices, mobile phones, products made of precious/noble, semi-precious metals or stones, collections of postage stamps, coins, etc.

The sum insured for property insurance shall be aggregate and shall be set in the amount of the actual (market) value at the time of entering into the insurance agreement.

The sum insured for liability insurance shall be aggregate, set by agreement of the Parties and chosen by the Insured from the following options: UAH 100,000, UAH 200,000, UAH 300,000, UAH 500,000, UAH 1,000,000.

The minimum and maximum amount of the insurance tariff:

• in terms of property insurance - from 0.05% to 1.00%;
• in terms of liability insurance - from 0.05% to 0.60%.

Unconditional deductible:

• in terms of property insurance, it is chosen by the Insured when concluding an insurance contract from the options: 1,000 UAH or 2,000 UAH;
• in terms of liability insurance, it is set at 1,000 UAH.

Insurance territory: address of the location of the insured property.

The insurance contract shall not apply:

• on temporarily occupied territories of Ukraine;
• on the territories of Ukraine where public authorities temporarily do not exercise their powers and in settlements located on the demarcation line;
• on the territory of war zones of any nature;
• areas where a state of emergency has been officially declared or in an area officially recognised by state authorities as a possible natural disaster zone, if such declaration was made before the conclusion of the insurance contract;
• additionally for War Risks if in Chernihiv, Sumy, Kharkiv, Luhansk, Donetsk, Dnipropetrovs'k, Zaporizhzhia, Kherson, Mykolaiv, Odesa regions and the Autonomous Republic of Crimea.

The term of the insurance contract is established by agreement of the Parties and may be 6 months or 1 calendar year.

The insurance contract enters into force on the date specified in the insurance contract as the date of commencement of the term of the insurance contract, but not earlier than the date following the date of crediting the insurance premium (the first part of the premium, if the total insurance premium is paid in installments) to the Insurer's current account in the amount and within the period specified in the insurance contract.

In case of failure by the consumer to fulfill the obligations specified in the insurance contract, the payment of insurance compensation may be refused.

The insurance product is not additional to other goods, works or services that are not insurance.

The insurance product does not provide for discounts and promotional offers.

The information that is essential for the Insurer to make a decision on entering into Insurance contract and/or the amount of Insurance premium under the Contract and/or for assessment of Insurance risk shall include information about the Insured object specified in the Insurance contract, as well as information on:

• transfer of the Insured Property to a mortgage, pledge, leasing/subleasing;
• change of ownership of the Insured Property (sale, donation, etc.), issuance of a power of attorney authorising another person to dispose of the Insured Property, conclusion of a preliminary sale and purchase agreement in respect of the Insured Property, receipt of a deposit;
• use of the Insured Property for other purposes or redevelopment/repair works for use as an office, warehouse, retail premises, hotel, sauna, workshop, etc;
• absence of supervision over the Insured Property for more than 60 (sixty) consecutive calendar days;
• presence of external and/or internal walls made of wood (including those fully or partially covered with bricks, foam, gas or slag concrete) and/or wooden floors (for buildings with more than 1 (one) floor) as part of the structural elements of the Insured Property;
• the Insured Property being under arrest or encumbrance (except for encumbrance related to performance of contractual relations between the Insured and the Beneficiary);
• all valid insurance contracts concluded in respect of the Insured Item.

Before concluding an insurance contract, it is necessary to familiarize yourself with information about exceptions to insured events and grounds for refusal to make insurance payments, the limits of the insurer's liability for a particular object of insurance, insurance risk and/or insured event, as well as the procedure for calculating and conditions for making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/2102_umovy_10.04.2025.pdf