Standard insurance product "My sweet home" with the code 2103

◊ Information document on the standard insurance product ‘My sweet home’ with code 2103

№	Type of information	Programs
		Standard		Vacation
1	Insurance object	in terms of property insurance, there is an apartment / private house on the right of possession, use and/or disposal, including: structural elements with engineering and communication systems, interior decoration, movable property (if chosen by the Insured); in terms of liability insurance, there is 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).		in terms of property insurance, there is an apartment / private house under the right of ownership, use and/or disposal, including: structural elements including engineering and communication systems, interior decoration.
2	Insurance risks. Insured events. Limitations of insurance	1. Insurance risks 1.1. in terms of property insurance: Fire insurance risks; Natural disasters (downpour, storm, hurricane, tempest, tornado, squall, hail, rockfall, rockfall, earthquake, flood, flash flood, mudslide, landslide, landslide, subsidence of the soil, meteorite falling on the Insured Property); Water insurance risks; Unlawful actions of third parties (theft with penetration, including with traces of breaking, robbery, burglary, vandalism); Falling objects (including manned aircraft), Glass breakage. The terms and conditions of this sub-clause are the same for all Programmes provided by this insurance product.
		1.2. Insurance 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.		are not provided for under the Vacation Program.
		1.3. War risks:
		at the client's option, within 10% of the sum insured in terms of property insurance.		are not provided for under the Vacation Program.
		Insurance limitations: The following shall not be insured under this product: any vehicles, their components, mobile cottages, residential trailers; objects subject to demolition, in emergency condition, dilapidated and/or old, not put into operation, in the process of construction and/or installation, restoration, where construction and installation works are carried out, including objects in a state of repair, or objects that are not in operation; objects that are not used for permanent residence, i.e. are not operated for more than 60 consecutive calendar days; personal belongings of the Insured (Beneficiary), including clothing and footwear including clothes and footwear; indoor plants, food, animals and birds; intellectual property, antiques, fur products, cash, payment cards/savings books, documents, data storage devices, mobile phones, precious/noble metal products, collections of postage stamps, coins, etc. The terms and conditions of this sub-clause are the same for all Programmes provided by this insurance product.
3	Minimum and maximum amounts of the sum insured (limit of liability)	The sum insured for property insurance shall be set by the Insurer depending on the settlement and total area of the property. The sum insured for liability insurance shall be set by agreement of the Parties and shall be 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 sum insured for property insurance is set at UAH 100,000.
4	Minimum and maximum amounts of insurance premium and/or insurance tariff	Minimum and maximum insurance tariff: for property insurance - from 0.10% to 0.62%; for liability insurance - from 0.07% to 0.62%.		The minimum and maximum insurance tariff for property insurance range from 0.23% to 0.93%.
5	Type, minimum and maximum franchise amounts (if any)	Unconditional deductible for property and liability insurance - chosen by the Insured when concluding the insurance contract from the options: UAH 3,000, UAH 5,000, UAH 10,000. In this case, in case of damage to life or health of a third party (in terms of liability insurance), the deductible is not deducted.		The unconditional deductible for property insurance is UAH 3,000.
6	Territory and term of validity of the insurance contract (including information on the procedure for its entry into force and insurance period(s) (if any))	Insurance territory: the address of the location of the insured property, except for: 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 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 agreement; additionally for War Risks, if they are Chernihiv, Sumy, Kharkiv, Luhansk, Donetsk, Dnipropetrovs'k, Zaporizhzhia, Kherson, Mykolaiv, Odesa regions and the Autonomous Republic of Crimea. The terms and conditions of this clause are the same for all Programmes provided by this insurance product.
		Insurance contract validity period:
		1 calendar year	is established by agreement of the Parties and can range from 15 to 60 calendar days
		The insurance agreement shall enter into force on the date specified in the insurance agreement as the date of commencement of the insurance agreement, but not earlier than the date following the date of crediting the insurance premium (the first instalment of the premium if the total insurance premium is paid in instalments) to the Insurer's current account in the amount and within the term specified in the insurance agreement. The terms of this clause are the same for all Programmes provided for by this insurance product.
7	Possible consequences for the consumer in case of failure to fulfill the obligations 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 terms of this clause are the same for all Programs provided for by this insurance product.
8	Information about the possibility of purchasing an insurance product separately	The insurance product is not additional to other goods, works or services that are not insurance. The terms of this clause are the same for all Programs provided for by this insurance product.
9	Conditions for receiving a discount on an insurance product and promotional offers from the insurer	Discounts and promotional offers are not provided by the insurance product. The terms of this clause are the same for all Programs provided by this insurance product.
10	List of information that is essential for assessing insurance risk and/or information about other circumstances taken into account when determining the amount of the insurance premium	The information that is essential for the Insurer to make a decision on entering into an insurance contract and/or the amount of Insurance premium under an insurance contract and/or for assessing the Insurance risk shall include information about the Insured Item 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 with respect to the Insured Item. The terms of this clause are the same for all Programmes provided for by this insurance product.
11	Warning to the consumer about the need to familiarize themselves with the information before concluding an insurance contract, including a link to such information	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/2103_umovy_10.04.2025.pdf The terms of this clause are the same for all Programmes provided for by this insurance product.