Protection a car in the event of an accident up to 200,000 UAH
Unique offer - payout in case of total loss or theft
The "Pay in Parts" service is available without commissions for PrivatBank clients
Cars older than 15 years are not accepted
Deductible 2000 uah
Deductible 5000 uah
1. Insurance Object
Property under the right of ownership and/or use and/or disposal, specifically: a vehicle (hereinafter referred to as "Vehicle") associated with the insurance interests of the Policyholder.
Under this product, technically sound passenger vehicles eligible for insurance include:
- Passenger vehicles with no more than 9 seats (including the driver's seat);
- Cargo vehicles (cargo-passenger vans, box vans) with a gross weight of up to 3,000 kg (inclusive);
- Special vehicles with a gross weight of up to 3,000 kg (inclusive).
2. Insurance Risks and Coverage Limitations
Insurance Risks:
- Traffic accidents (TAs) involving two or more identified participants due to a collision (contact) of the insured Vehicle with another vehicle involved in the TA, which occurred:
- Due to the fault (including partial fault) of the insured Vehicle's driver;
- Due to the fault of any other participant.
- Unauthorized possession/Theft or any external risks (except exclusions and limitations specified in the Contract) leading to the complete constructive or physical destruction of the Vehicle.
Coverage Limitations:
Insurance does not cover:
- Vehicles not registered in Ukraine or not subject to state registration;
- Vehicles without a chassis number (if not provided by the manufacturer or if destroyed);
- Vehicles used as taxis, for car-sharing, test drives, driving lessons, competitions, replacement vehicles, rentals, or leasing;
- Vehicles operated by security companies, carriers (including hazardous cargo), public transportation, law enforcement, emergency services, municipal services, courier delivery services, airports, military purposes, or demining services;
- Vehicles in technically faulty condition that cannot be allowed on the road per traffic regulations;
- Vehicles under collateral or leasing.
3. Minimum and Maximum Insurance Sum (Liability Limit)
The insurance sum is aggregate and is agreed upon between the Parties, ranging from UAH 50,000 to UAH 200,000.
4. Minimum and Maximum Insurance Premium and/or Rate
The insurance rate ranges from 2.8% to 14.5% of the insurance sum.
5. Type, Minimum, and Maximum Deductibles (if applicable)
The unconditional deductible is:
- UAH 0 – for TAs caused by the fault of a third party if the insured Vehicle's driver is not at fault;
- UAH 2,000 – for other risks.
If the driver of the insured Vehicle is under 23 years old, the deductible is UAH 5,000, regardless of other terms of the contract or fault in the accident.
6. Insurance Territory and Duration of the Contract
Insurance Territory: Ukraine, except:
- Temporarily occupied territories;
- Territories where state authorities do not exercise their powers temporarily, or settlements located along the line of contact;
- Areas of military actions of any kind;
- Areas officially declared in a state of emergency or recognized as disaster zones by state authorities before the conclusion of the insurance contract;
- Roads used for sports competitions.
Duration of Insurance Contract: 1 calendar year.
The contract becomes effective from the date specified in the Contract as the start date, but not earlier than the day after the insurance premium (or first installment, if paid in parts) is credited to the Insurer’s account in the agreed amount and within the specified timeframe, subject to the Time Deductible per clause 12 of the Contract.
7. Potential Consequences for the Consumer's Failure to Fulfill Obligations
Failure to fulfill contractual obligations may result in denial of insurance compensation.
8. Information About Standalone Purchase of Insurance Products
This insurance product is not an add-on to other goods, services, or non-insurance products.
9. Discount Conditions and Promotional Offers
Discounts are available by entering a promo code when purchasing the product on the Insurer’s official website: [www.uniqa.ua](http://www.uniqa.ua). Promo codes may be obtained through various communication channels, including the official website, brokers, partners, social media, etc. Promotional offers are not provided for this insurance product.
10. List of information essential for assessing insurance risk and/or other circumstances considered when determining the amount of the insurance premium
The information essential for the insurer’s decision on the insurance premium amount under the contract and the assessment of insurance risk includes details on:
- the insured vehicle as specified in the vehicle registration certificate;
- the country of origin of the vehicle, drivers authorized to operate the insured vehicle, the primary area of use, the nature and/or intensity of vehicle operation, the vehicle’s technical condition, any existing damages, and detected hidden defects;
- losses related to the insured vehicle that occurred before the contract was concluded (including those covered under insurance contracts with other insurers);
- all active insurance contracts concluded for the insured vehicle;
- the presence of legal grounds or other legal relationships establishing the Policyholder’s and Beneficiary’s insurable interest in the vehicle;
- changes in vehicle ownership (sale, donation, etc.), issuance of a power of attorney granting another person the right to manage the vehicle, signing a preliminary purchase agreement for the insured vehicle, receipt of a deposit;
- replacement of the vehicle’s body or engine, installation of additional equipment and/or replacement of vehicle components different from those originally insured, including modifications requiring registration of such changes with competent authorities, as well as vehicle registration (re-registration);
- deregistration of the vehicle or cancellation of its state registration;
- the vehicle being listed as stolen, under arrest, or subject to encumbrance (except for encumbrances related to the fulfillment of contractual obligations between the Policyholder and Beneficiary);
- leasing/subleasing, renting, car-sharing, pledging, or using the vehicle as a taxi;
- loss of registration documents and/or keys to the insured vehicle and/or key fobs, remote controls for the vehicle’s alarm system;
- errors, malfunctions in the operation of computer equipment, software, or embedded microchips, components;
- breakdown, removal, deactivation, or replacement of anti-theft devices.
Disclaimer: Before signing the insurance contract, it is necessary to review the information on exclusions from insurance cases, grounds for refusal of insurance payments, liability limits of the insurer for a specific insured object, insurance risk, and/or insurance case, as well as the calculation procedure and conditions for making insurance payments at the following link: https://uniqa.ua/storage/insurance-products/reports-files/4608_4611_umovy_15.06.2024.pdf
A feature of the mini CASCO policy is the payment of a fixed amount, the amount of which is chosen by the car owner when concluding the contract. The following conditions must be met in order to receive compensation:
- The accident must be officially documented - using the European protocol or by representatives of the National Police patrol service;
- It must be established which driver is to blame for the accident. Depending on this, the amount of the deductible will change.
After submitting an application for an insured event, the company decides on the amount of the deductible and the payment of compensation in the amount of the sum insured.
The main feature of this insurance program is its simplicity and transparency. You can apply for My CASCO drive online and adjust the terms of the contract according to your wishes.
Among other advantages:
- no need to inspect and evaluate the car before concluding the contract;
- the ability to expand insurance coverage and add protection against theft and total destruction of the car.
Understanding what mini CASCO is, you can make the right choice and protect your car from the main risks.
The car insurance program is most suitable for the following categories of drivers
- those who have recently bought a vehicle and are not quite confident in real situations on the roads;
- motorists who believe that the list of insured events under the standard Casco is too wide and the price is too high;
- car owners who do not rely on payments under a motor vehicle liability insurance policy and want to protect themselves as much as possible from expenses that may arise after an accident.
Mini Casco allows you to feel confident on the road and save money when buying insurance.
Many drivers are looking for an affordable hull insurance for their car. This program is exactly that. On the one hand, the policy compares favorably in price and is cheaper than a standard voluntary car insurance contract. On the other hand, it provides incomplete coverage and is a guarantee of receiving payments if your car has an accident on the road.
The program differs from full Casco in that it covers a limited number of risks. Also, under the terms of mini Casco, the policyholder receives a fixed payment. The difference from the CTP policy is that it gives you the opportunity to receive payments for the restoration of your own car.
The program was developed by the specialists of our insurance company to support all car drivers in Kyiv and other regions of Ukraine. This option of mini Casco allows you to receive compensation if your car has suffered from an accident.
Road accidents are the most popular cause of car damage. With our insurance policy, a motorist will be able to cover losses if:
- he/she made a mistake on the road and is the culprit of the accident;
- the accident occurred through no fault of his own.
In each of these cases, the driver can count on the payment of the sum insured stipulated in the terms of the contract.