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. Exclusions from Insurance Events and Grounds for Denial of Payment
Exclusions:
Losses resulting from:
- Military or political risks of any kind;
- Use of a technically faulty Vehicle or violation of the Vehicle's Operating Manual;
- Violation of fire safety rules, transportation, or storage of explosive substances;
- Towing or carrying loads in violation of traffic rules, including loading/unloading processes;
- Use of the Vehicle not for its intended purpose, for learning, as props, or in sports competitions, as a taxi, rental, or car-sharing;
- Failure of the Policyholder to take measures to prevent the Vehicle's self-movement;
- Theft of wheels, tires, caps, cameras, emblems, license plates, or damage thereto without damage to other parts of the Vehicle;
- Theft of Vehicle equipment without evidence of a break-in;
- Minor damage, such as chips smaller than 3 mm × 3 mm, not affecting road safety;
- Operation of the Vehicle by a driver under the influence of alcohol, drugs, or toxins;
- Use of summer tires on the insured Vehicle between December 1 and March 1 (for TA risks);
- Mechanical or any other internal breakdown.
The Insurer does not compensate for the value of Vehicle parts that were not damaged due to the insured event.
Grounds for Denial of Payment:
- Intentional actions by the Policyholder/Driver that led to the insured event;
- Submission of false information by the Policyholder/Driver about the insurance object, circumstances significant for risk assessment, or the occurrence of the insured event;
- Full compensation of damages received by the Policyholder from the liable party;
- Untimely notification of the insured event by the Policyholder/Driver without valid reasons;
- Circumstances falling under exclusions;
- Breach of the insurance contract by the Policyholder/Driver;
- Voluntary refusal to receive compensation;
- Avoidance or refusal of the Driver to undergo required alcohol/drug tests.
8. Insurer's Liability Limits for Individual Objects, Risks, or Events
Compensation is provided without a police report up to UAH 80,000 if other participants are involved in the accident, based on the European Accident Statement.
9. Procedure for Calculating and Conditions for Insurance Payments
Calculation Procedure:
The insurance payment is based on the actual losses incurred by the Policyholder/Beneficiary due to the insured event, not exceeding the insurance sum (liability limit) under the contract:
- For theft, the deductible is subtracted, but the payment cannot exceed the market value of a similar Vehicle at the time of the event;
- For total loss, compensation is the difference between the Vehicle's actual (market) value before and after the event, minus the deductible;
- For all other cases, compensation equals the Vehicle repair cost (per expert assessment or service invoice), minus the deductible.
Payment Conditions:
1. The Insurer decides on payment or denial within 10 business days after receiving all required documents, documented in an insurance act;
2. Payment is made within 10 business days after the Insurer's decision;
3. For denial or delay, the Insurer informs the Policyholder within 10 business days, providing reasons.
10. Potential Consequences for the Consumer's Failure to Fulfill Obligations
Failure to fulfill contractual obligations may result in denial of insurance compensation.
11. Information About Standalone Purchase of Insurance Products
This insurance product is not an add-on to other goods, services, or non-insurance products.
12. 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.
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.