1. Insured Object

Property interests, which do not contradict the legislation of Ukraine, related to the compensation of damage by a person whose civil liability is insured for harm caused to the life, health, or property of victims as a result of the operation of the insured vehicle.

2. Insurance Risks and Insurance Limitations

Insurance Risks:
A road traffic accident involving the insured vehicle, resulting in the civil liability of the insured person for damage caused to the life, health, and/or property of the victim, except for those specified as exclusions of insurance cases and grounds for refusal of insurance payment.

Insurance Limitations:
Exclusions that are not recognized as an insurance case under the applicable Law of Ukraine “On Mandatory Civil Liability Insurance of Vehicle Owners” (OSCPVVNTZ), as well as liability insurance under the international mandatory insurance agreement "Green Card".

3. Minimum and Maximum Insurance Coverage (Liability Limits)

The insurance coverage amounts to:

• For damage caused to the life and health of victims – UAH 500,000 per victim;
• For damage caused to the property of victims – UAH 250,000 per victim.

If the total damage caused to the property of victims in one insurance case exceeds five times the insurance sum, compensation to each victim is proportionally reduced.

4. Minimum and Maximum Insurance Premiums and/or Insurance Rates

The minimum and maximum premium is determined based on The Law of Ukraine "On Compulsory Civil Liability Insurance of Owners of Land Vehicles" No. 3720-ІХ

The insurance payment amount is calculated by the Insurer as the product of the base insurance payment and correction coefficients determined by law. It depends on the insurance conditions and is specified in the individual agreement.

5. Type, Minimum, and Maximum Deductible (if applicable)

1. Deductible for damage caused to the life and/or health of victims – UAH 0.
2. Deductible for damage caused to the property of victims -  UAH 0.

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)]’

Coverage Territory: Ukraine, except for:

• Temporarily occupied territories;
• Territories where state authorities do not temporarily exercise their powers and settlements located along the demarcation line;
• Territories of any type of military actions.

Term of Coverage: 1 year. The contract may be concluded for a term of 15 days to 11 months for vehicles that:

• Are unregistered – for the time of registration;
• Are temporarily registered – until permanent registration;
• Are registered in foreign countries – for the period of stay in Ukraine;
• Undergo mandatory technical inspection per Articles 16 and 35 of the Law “On Road Traffic” – not exceeding the date of the next mandatory technical inspection.

The insurance contract shall come into force from the date and time of commencement of its validity period specified in the Contract, but not earlier than the date and time of making a record of such contract in the MTIBU Unified Centralised Database.

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

Exclusions of Insurance Cases:
Losses resulting from:

• Use of the insured vehicle but without civil liability under the law;
• Damage to the insured vehicle that caused the accident;
• Harm to the life and health of the insured vehicle's driver who caused the accident;
• Harm to the life and health of passengers in the insured vehicle who are covered under insurance per Clause 6, Article 7 of the Law "On Insurance";
• An accident caused by mass riots, group breaches of public order, military conflicts, terrorist acts, natural disasters, ammunition explosions, or vehicle fires unrelated to the accident;
• Other cases provided for by law and/or the insurance agreement.

Grounds for Refusal of Payment:

• Intentional actions of the insured person, driver, or victim aimed at causing the insured event;
• Criminal offenses committed intentionally by the insured person or driver resulting in the insured event;
• Failure to fulfill obligations defined by law, making it impossible for the insurer to establish the accident’s facts, causes, or damage;
• Failure to submit a claim for compensation within one year (for property damage) or three years (for life or health damage);
• Other exceptions per legislation.

8. Insurer's Liability Limits for Specific Objects, Risks, and Cases

From January 1, 2025, the Law of Ukraine "On Compulsory Civil Liability Insurance of Owners of Land Vehicles" No. 3720-ИХ abolishes the insurance compensation limit for a case registered using the Europrotocol.

9. Calculation Procedure and Conditions for Insurance Payments

Payments are determined based on the Methodology for Expert Evaluation of Vehicles and include expenses for evacuating and securing damaged vehicles. Payments for health-related harm follow the provisions of the Law "On OSCPVVNTZ."

10. Consequences for Non-Compliance by the Consumer

Failure to fulfill obligations under the insurance contract may result in a denial of compensation.

11. Availability of Standalone Insurance Product

The insurance product is not an add-on to other non-insurance products or services.

12. Discounts and Promotions

The 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 may be obtained by the consumer through various communication channels, including but not limited to the official website, insurance intermediaries, partners, the Insurer's social media platforms, etc.

Promotional offers are not provided for the insurance product. However, legislation establishes a benefit under which the insurance premium is reduced by 50% for a citizen of Ukraine, provided they are:

• a combatant or a participant in the war;
• an injured participant of the Revolution of Dignity;
• a person with a disability of Group I or II;
• a person affected by the Chernobyl disaster classified as Category I or II;
• a pensioner.

This benefit is applicable if the vehicle:

• has an engine displacement of up to 2500 cm³ inclusive;
• is owned by such an individual and is used by them for personal driving purposes, without the intent of commercial passenger or cargo transportation.