Standard insurance product "Vpevnenyy dim 24/7"

Object of insurance:

• for property insurance — apartment / private house owned, used and/or disposed of, including:
  - structural elements including engineering and utility systems;
  - interior finishing.
• for 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 under the “Standard” Program).

The contract is concluded under one of the insurance product programs, namely:

• “Standard” program — provides a standard list of risks (No. 1.1 – 1.5, No. 2, as listed below);
• “War Risks” program — provides standard and war-related risks (No. 1.1 – 1.6, No. 2, as listed below).

Insurance risks:

1. for property insurance:
   1.1. fire risks (fire, explosion);
   1.2. natural disasters (rainstorm, storm, hurricane, squall, tornado, hail, heavy snowfall, snow buildup, icing, rockfall, landslide, earthquake, flood, overflow, ground water impact, mudflow, avalanche pressure, avalanche descent, soil subsidence);
   1.3. water-related risks (damage caused by water due to accidents in plumbing, sewage, heating systems and connected household devices, or water/liquid intrusion from neighboring premises);
   1.4. unlawful actions of third parties (burglary, robbery, assault, vandalism, arson);
   1.5. falling objects, glass breakage;
   1.6. war risks (this risk applies only under the “War Risks” program).
2. for liability insurance — the occurrence of liability of Persons whose liability is insured, as a result of their actions or omissions while owning, using and/or disposing of the Insured Property, for damage caused to third parties (neighbors) and/or their property.

An insurance event shall mean:

1. for property insurance — the fact of losses incurred by the Policyholder/Beneficiary as a result of damage, destruction, or loss of the Insured Property due to the occurrence of Insurance Risks No. 1.1 – 1.6 during the Term and within the Territory of the Contract.
2. for liability insurance — occurrence of Insurance Risk No. 2 provided that all of the following are met:
   • the event occurred within the Term and Territory of the Contract;
   • the damage is substantiated and proven;
   • the fault of the insured person is established;
   • no intentional actions occurred;
   • damage and claims are made in accordance with the Contract.

Insurance limitations
The following are not subject to insurance under this product:
• any vehicles, their parts or components;
• mobile cottages, residential trailers;
• property located in the insured premises;
• utility networks not owned by the Policyholder (Beneficiary);
• buildings to be demolished, in emergency or dilapidated condition, under construction, assembly, renovation or repair, or not in use;
• premises illegally attached but not recorded in the technical passport;
• properties not used for permanent residence (more than 90 consecutive calendar days);
• weapons, explosives, fuels;
• personal belongings of the Policyholder (including clothes and shoes);
• houseplants, food, animals and birds;
• intellectual property, antiques, furs and fur products, cash, bank cards, documents, data carriers, mobile phones, items made of precious metals or stones, stamp or coin collections, and other collectible items;
• pledged property (if the Beneficiary is a bank).

The total insurance sum depends on the Insurance Program chosen by the Policyholder when concluding the Contract:

1. Under the “Standard” program the available insurance sum options are: 125,000 / 250,000 / 500,000 / 1,000,000 / 1,250,000 / 1,500,000 / 2,000,000 UAH;
2. Under the “War Risks” program the available insurance sum options are: 50,000 / 125,000 / 250,000 / 500,000 UAH.

Liability limits depend on the chosen insurance sum option.

Insurance tariff:

The annual insurance tariff depends on the Insurance Program selected by the Policyholder when concluding the Contract and on the insurance sum amount, and is set as follows:

• “Standard” Program: 0.36% – 0.48%;
• “War Risks” Program: 1.44% – 1.80%.

Insurance premium:

The insurance premium amount depends on the Insurance Program, the insurance sum, and the frequency of premium payments:

for the “Standard” program:

• for a period of 1 (one) month: 60 UAH – 600 UAH;
• for a period of 1 (one) year: 600 UAH – 7,200 UAH;

for the “War Risks” program:

• for a period of 1 (one) month: 75 UAH – 300 UAH;
• for a period of 1 (one) year: 900 UAH – 3,600 UAH.

Not applicable.

Insurance territory: the address of the insured property specified in the insurance contract according to registration documents.

The insurance contract does not apply to:

• temporarily occupied territories of Ukraine;
• territories where the state authorities of Ukraine temporarily do not exercise their powers, and settlements located along the line of demarcation;
• zones of any kind of military operations;
• territories where a state of emergency has been officially declared or areas officially recognized as potential natural disaster zones if such declaration was made before the insurance contract was concluded.

The “War Risks” insurance coverage does not extend to the following regions of Ukraine: Chernihiv, Sumy, Kharkiv, Luhansk, Donetsk, Dnipropetrovsk, Zaporizhzhia, Kherson,
Mykolaiv, Odesa regions and the Autonomous Republic of Crimea, as well as to zones of armed conflict or civil unrest, temporarily occupied territories defined by Ukrainian regulations, areas where state authorities temporarily do not exercise their powers, and settlements located within or less than 60 km from combat zones, regardless of the official recognition of war status.

Insurance contract term — 1 calendar year or 1 calendar month, with the possibility of extension (renewal).

Insurance period — 1 (one) year or 1 (one) month, depending on the contract duration.

The contract becomes effective at 00:00 Kyiv time on the day following the date the total insurance premium is credited to the Insurer’s account, but not earlier than 00:00 on the start date specified in the Contract.

Time limitations on insurance coverage: coverage does not apply during the first 7 (seven) calendar days from the effective date of the contract and/or the first 7 (seven) calendar days after a delayed insurance payment for subsequent periods is received.

The contract and insurance coverage remain valid until 24:00 (Kyiv time) on the end date specified in the Contract unless other circumstances lead to early termination.

The contract is automatically renewed for the same term and under the same conditions unless either party submits a written notice of termination or amendment at least 30 calendar days before expiration and the insurance payments for the next period are made.

In case of partial payment of the insurance premium, the Insurer’s liability and payout are reduced proportionally to the unpaid portion.

For failure or improper fulfillment of the contract terms, the Policyholder is liable in accordance with the legislation of Ukraine.

Late notification by the Policyholder or their representatives about the occurrence of an insurance event without valid reasons, or failure to fulfill other obligations established by the Contract or legislation, if this prevents the Insurer from determining the fact, causes, and circumstances of the event or the amount of damage, may be grounds for refusal of the insurance indemnity payment.

If the insurance premium is not paid before the beginning of the relevant insurance period, the insurance coverage for that period is not valid.

The contract is not an addition to other goods, works, or non-insurance services. Conclusion of the Contract does not require obtaining any additional or related services from the Insurer and/or third parties connected with providing the financial service under this Contract.

Discounts and promotional offers are not available and do not apply.

Before concluding the Contract, the Policyholder must provide the Insurer with information essential for making a decision on concluding the Contract and/or determining the insurance premium amount, including details relevant to assessing the insurance risk (the probability and potential extent of loss). During the term of the Contract, the Policyholder must notify the Insurer in writing within 5 (five) business days of any changes to such circumstances that affect the assessment of risk and/or the insurance premium amount.

Information essential for the Insurer’s decision to conclude the Contract, determine the premium amount, and/or assess the risk includes details about the Insured Object specified in the Contract, as well as information on:

• transfer of the Insured Property into mortgage, pledge, lease/sublease;
• change of ownership of the Insured Property (sale, donation, etc.), issuance of a power of attorney granting disposal rights, conclusion of a preliminary sale agreement, or receipt of a deposit;
• use of the Insured Property for other purposes or renovation/reconstruction for use as an office, warehouse, retail space, hotel, sauna, workshop, etc.;
• lack of supervision of the Insured Property for more than 90 (ninety) consecutive calendar days;
• presence of external and/or internal wooden walls (even if partially or fully faced with brick, foam, gas, or cinder concrete) and/or wooden floors (for buildings over one story);
• the Insured Property being under arrest or encumbrance (except encumbrances arising from contractual relations between the Policyholder and Beneficiary);
• all existing insurance contracts concluded for the Insured Object.

This insurance product requires the consumer to review the relevant information beforehand to make an informed decision about concluding the insurance contract.

Before entering into the insurance contract, the consumer must review information about exclusions from insurance events and grounds for refusal of payments, the insurer’s liability limits for each insured object, risk and/or event, as well as the calculation procedure and conditions for insurance payments, as specified in the General Terms of the “Confident Home 24/7” insurance product, available at: https://uniqa.ua/storage/public-offer/partner-reports/2111_umovy_03.03.2025.pdf