→ General Terms of the Standard Insurance Product "Confident Home 24/7"
→ Information Document on the Standard Insurance Product "Confident Home 24/7"
No | Type of Information | Information to be filled in by the Insurer |
1 | Object of Insurance |
Object of insurance:
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2 | Insurance Risks. Insurance Events. Insurance Limitations |
The contract is concluded under one of the insurance product programs, namely:
Insurance risks:
An insurance event shall mean:
Insurance limitations |
3 | Minimum and Maximum Insurance Sum (Liability Limit) |
The total insurance sum depends on the Insurance Program chosen by the Policyholder when concluding the Contract:
Liability limits depend on the chosen insurance sum option. |
4 | Minimum and Maximum Insurance Premium and/or Tariff |
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:
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 the “War Risks” program:
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5 | Type, Minimum and Maximum Deductible Amounts (if any) |
Not applicable. |
6 | Territory and Term of the Insurance Contract (including commencement procedure and insurance period(s), if 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:
The “War Risks” insurance coverage does not extend to the following regions of Ukraine: Chernihiv, Sumy, Kharkiv, Luhansk, Donetsk, Dnipropetrovsk, Zaporizhzhia, Kherson, 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. |
7 | Possible consequences for the consumer in case of failure to fulfill obligations defined by the insurance contract |
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. |
8 | Information about the possibility to purchase the insurance product separately |
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. |
9 | Conditions for obtaining a discount on the insurance product and promotional offers of the insurer |
Discounts and promotional offers are not available and do not apply. |
10 | List of information essential for assessing the insurance risk and/or other circumstances considered when determining the insurance premium amount |
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:
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11 | Consumer notice on the need to review information before concluding the insurance contract, including links to such information |
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 |