1. Object of Insurance
Liability for damage caused to the life, health, and/or property of the injured party during the use (operation) of the insured vehicle (hereinafter referred to as the Vehicle or Insured Vehicle) by the person whose liability is insured.
Under this product, insured vehicles may include technically sound and properly registered passenger vehicles, trailers for them, and motorcycles in the relevant registration authorities.
2. Insurance Risks and Coverage Limitations
Insurance Risks:
The fact of liability arising for the person whose civil liability is insured, for damage caused to the life, health, and/or property of the injured party as a result of a road traffic accident (hereinafter referred to as an RTA) during the use (operation) of the insured vehicle by the person whose liability is insured.
Insurance limitations:
• Vehicles that are not registered in Ukraine or are not subject to state or departmental registration;
• Vehicles without a chassis number (if not provided by the manufacturer or destroyed), except for homemade trailers;
• Vehicles used as taxis, for car sharing, test drives, driving lessons, competitions, replacement vehicles, rentals, or leases;
• Vehicles of security companies, carriers (including hazardous goods transport), public transport, security companies, police, emergency services, ambulances, utility services, courier delivery services, airports, military purposes, or demining services;
• Vehicles in a technically faulty condition that are not allowed on the road under the requirements of traffic regulations;
• Vehicles under pledge or leasing agreements.
3. Minimum and Maximum Insurance Sum (Liability Limit)
The insurance sum is determined by agreement between the parties and can range from UAH 150,000 to UAH 1,500,000.
Within the insurance amount, the following sublimits are established:
• for damage caused to the life and/or health of injured parties — in the amount of 50,000 UAH;
• for damage caused to the property of injured parties — in the amount of the difference between the insurance amount and the sublimit for damage caused to the life and/or health of injured parties.
4. Minimum and Maximum Insurance Premium and/or Insurance Rate
The insurance rate ranges from 0.06% to 0.1667% of the insurance sum.
5. Type, Minimum, and Maximum Deductible (if applicable)
An unconditional deductible of 0% of the insurance sum applies.
6. The territory and term of the insurance contract (including information on the procedure for its entry into force and the insurance period(s) (if any))
Insurance Territory:
Ukraine, excluding:
• Temporarily occupied territories;
• Territories where state authorities do not temporarily exercise their powers, and settlements located along the demarcation line;
• Zones of military operations of any kind.
Policy Duration:
The insurance policy is valid for 1 calendar year.
The insurance contract shall enter 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 (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 contract.
7. Possible Consequences for the Consumer in Case of Non-Compliance with Policyholder Obligations
In the event of non-compliance with obligations under the insurance contract, the insurance compensation payment may be denied.
8. Information on the Ability to Purchase the Insurance Product Separately
The insurance product is not bundled with other goods, works, or services that are not insurance-related.
9. Discount Conditions for the Insurance Product and Promotional Offers
A discount may be applied by entering a promo code during the purchase of an insurance product on the Insurer's official website at www.uniqa.ua.
The promo code can be obtained by the consumer through various communication channels, including but not limited to the official website, insurance intermediaries, partners, and the Insurer's social media platforms.
The insurance product includes a special offer of "up to minus 35%" on an additional limit of UAH 300,000 or UAH 600,000 when purchasing an insurance policy on the Insurer's official website together with the "My Auto Liability" insurance policy via the following link: https://uniqa.ua/private/auto/avtograzhdanka/kupyty-elektronnyy-polis-osago/.
10. List of information essential for assessing insurance risk and/or other circumstances considered when determining the insurance premium amount
The information that is crucial for the insurer's decision regarding the insurance premium amount under the contract and the assessment of insurance risk includes details about:
- the insured vehicle, as specified in the vehicle registration certificate;
- the nature and/or intensity of the insured vehicle's operation;
- all active insurance contracts related to the insured object;
- a change of ownership of the insured vehicle (sale, donation, etc.);
- deregistration or cancellation of state registration of the insured vehicle;
- the insured vehicle being under search, arrest, or encumbrance;
- the transfer of the insured vehicle for rent/sublease, leasing/subleasing, car sharing, pledge, rental, usage, or donation;
- the use of the vehicle as a taxi.
Disclaimer: Before signing the insurance contract, you must review information on exclusions from insurance cases and grounds for refusal of insurance payments, insurer liability limits for a specific insured object, insurance risk, and/or insurance event, as well as the calculation method and conditions for insurance payments at the following link: https://uniqa.ua/storage/insurance-products/reports-files/4412_umovy_07.02.2025.pdf.
