1. Object of Insurance

The liability for damage caused to a third party and/or their property during the operation of the insured vehicle (hereinafter referred to as "Vehicle") by the person whose liability is insured.
The individuals whose liability is insured under the insurance agreement include the Policyholder or any other person who lawfully operates the insured Vehicle.

2. Insurance Risks and Coverage Limitations

Insurance Risks:
The occurrence of liability for damage caused to a third party and/or their property as a result of a road traffic accident during the operation of the insured Vehicle by the driver.

**Coverage Limitations:
• Vehicles that are not registered in Ukraine or are not subject to state registration;
• Vehicles used as taxis, for driving lessons, as replacement vehicles, or vehicles rented, leased, or used in car-sharing services, competitions, or test drives.

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.

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. Exclusions from Insurance Cases and Grounds for Refusal of Insurance Payment

Exclusions from Insurance Cases:
1) Losses caused by:
- Military and political risks of any kind;
- Use of the Vehicle for purposes other than its intended use, during testing, driving lessons, training, participation in sports competitions, as a taxi, rental, or car-sharing service;
- Accidents without direct contact between the insured Vehicle and other participants in the event;
- Driving the insured Vehicle by a person under the influence of alcohol, drugs, or toxic substances.

2) Damages:
- Caused to the insured Vehicle, any property (cargo) inside it, or to the life/health of the insured Vehicle's driver or passengers;
- That do not exceed the limit set by the mandatory third-party liability insurance (MTPL) agreement.

Grounds for Refusal of Insurance Payment:
• Intentional actions by the driver of the insured Vehicle that lead to an insured event;
• Submission of false information by the Policyholder/driver about the object of insurance, circumstances relevant to the assessment of insurance risk, or the occurrence of the insured event;
• The presence of circumstances that fall under exclusions from insurance cases or coverage limitations;
• Failure by the Policyholder/driver to comply with the terms of the insurance contract, including refusal to undergo examination for alcohol, drugs, or other intoxication or impairment by medications that reduce attention and reaction speed.

8. Insurer's Liability Limits for Specific Insurance Objects, Risks, or Events

• For damage to the life and/or health of third parties — UAH 50,000;
• For damage to the property of third parties — the difference between the insurance sum and the liability limit for damage to the life and/or health of third parties.

9. Calculation Procedure and Conditions for Insurance Payments

Calculation of Insurance Payments:
Insurance payment is determined as follows:
1) For damage to third-party property — based on the actual amount of damage caused to the third party's vehicle, in accordance with the methodology for property examination and valuation of wheeled vehicles.
2) For damage to the life and/or health of third parties — as a percentage of the respective liability limit:
• In case of the death of the third party — 100%;
• In case of disability:
- Group 1 — 90%;
- Group 2 — 75%;
- Group 3 — 50%;
- Temporary incapacity for work — 0.2% for each day of incapacity, up to a maximum of 30% for the entire period.

Conditions for Insurance Payments:
1) A decision on payment or refusal of insurance compensation is made by the insurer within 10 business days from the date of submission of all required documents.
2) Insurance compensation is paid within 10 business days of the insurer's decision to pay.
3) In the case of a refusal or postponement of the decision, the insurer notifies the Policyholder within 10 business days of the decision, providing the reasons for refusal or postponement.

10. 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.

11. 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.

12. 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/.