CASCO 50/50

1. Insurance Object
The insured object is property held under the right of ownership, use, or disposal, namely: a vehicle (hereinafter referred to as the Vehicle), which is associated with the insurance interests of the Policyholder.

Under this product, technically sound passenger vehicles, motorcycles, trailers, and additional equipment not included in the factory configuration are eligible for insurance.

2. Insurance Risks and Limitations
Insurance Risks:

• Illegal possession, including theft, robbery, or armed robbery;
• Traffic accidents (including stones thrown from under wheels, collisions with animals while driving);
• Illegal actions by third parties;
• Natural disasters: flood, storm, hurricane, tornado, rainfall, hail, avalanche, landslide, lightning strike, soil subsidence, earthquake, etc.;
• Fire, explosion, or spontaneous combustion;
• Accidental falling of trees, stones, or other objects; attacks by animals; damage caused by water or other substances due to accidents in utility networks; damage resulting from the Vehicle falling through the road surface (hereinafter referred to as "Other Cases");
• Military risks.

Insurance Limitations:
The following are not eligible for insurance under this product:

• Vehicles not registered in Ukraine or not subject to state registration;
• Vehicles in a technically faulty condition and not permitted for road use under traffic regulations;
• Vehicles without a chassis number (including destroyed numbers) and/or license plates;
• Vehicles used as taxis, for car-sharing, test drives, training, competitions, substitute vehicles, or rentals;
• Vehicles older than 15 years;
  Vehicles other than passenger cars, trailers, and motorcycles (e.g., cargo vehicles, their trailers, agricultural machinery);
• Vehicles of security companies, carriers (including dangerous goods), public transport, police, emergency services, municipal services, courier delivery services, airports, military purposes, and demining services;
  Vehicles in collateral or leasing.

3. Minimum and Maximum Insurance Sum
The minimum and maximum insurance sum are unlimited.
The insurance sum is non-aggregate, agreed upon by the Parties, and must correspond to the actual value of the Vehicle at the time the insurance contract is concluded.

4. Minimum and Maximum Insurance Premium and Rate
The insurance rate ranges from 1.25% to 13.9% of the insurance sum.
If an additional insurance payment is made after an insured event, the new insurance rate equals the original rate multiplied by 2.

5. Type and Deductible Amount
An unconditional deductible is set by agreement of the Parties and chosen by the Policyholder within the range of 0% to 5% of the insurance sum.

A 0% deductible applies regardless of the selected deductible if the Policyholder is not at fault in a traffic accident (client bonus).
In other cases, the following deductibles apply:
- 2.5% of the insurance sum if the driver during the accident was younger than the minimum age specified in the contract;
- 5% of the insurance sum or UAH 15,000 (whichever is greater) if the average monthly mileage of the Vehicle exceeds 5,000 km for risks such as Traffic Accidents, Third-Party Actions, and Other Cases (for Vehicles with an insurance sum up to UAH 500,000).

6. Insurance Territory and Contract Term
Insurance Territory:
Ukraine, European countries, CIS countries (excluding Belarus and the Russian Federation), Georgia, and Turkey.

The insurance coverage does not apply to:

• Temporarily occupied territories of Ukraine;
• Areas where Ukrainian state authorities temporarily do not exercise their powers, including settlements along the line of demarcation;
• Areas of military actions;
• Regions officially declared as disaster zones before the contract conclusion;
• Roads where sports competitions are held.

Contract Term:

Standard and maximum term: 1 calendar year.

Short-term contracts are available, with a minimum duration of 1 month.
The contract becomes effective on the start date specified in the contract but no earlier than the day after the insurance premium is credited to the Insurer's account.

7. Exclusions from Insurance Cases and Denial of Payments
Exclusions:
Damages resulting from:

• Military or political risks unless explicitly covered under "Military Risks";
• Use of a technically faulty vehicle or violation of the operating instructions;
• Violation of fire safety rules or handling hazardous materials;
• Towing or cargo transportation in violation of traffic rules;
• Use of the vehicle for purposes other than intended, including training, as a prop, in competitions, as a taxi, rental, or car-sharing;
• Theft of parts like wheels, tires, emblems, or license plates without damage to other parts of the Vehicle;
• Theft of equipment without visible signs of break-in;
• Minor damages (e.g., chips smaller than 3 mm × 3 mm);
• Operation of the Vehicle by a driver under the influence of alcohol, drugs, or toxic substances;
• Use of summer tires from December 1 to March 1 (for Traffic Accident risks);
  Mechanical or other internal breakdowns.

The Insurer does not reimburse the cost of Vehicle parts not damaged during the insured event.

Grounds for Denial of Payments:

• Intentional actions by the Policyholder or Driver causing the insured event;
• Providing false information about the insured object or event;
• Receiving full compensation for damages from a third party;
• Delayed notification of the insured event without valid reasons;
• Refusal to undergo alcohol/drug testing after an accident.

8. Insurer's Liability Limits
Up to 10% of the insurance sum or UAH 80,000 (whichever is greater) for cases without other participants, up to 2 times per contract term.
UAH 80,000 for cases with other participants, based on a European Accident Statement.
For Military Risks: a sub-limit of 10% of the insurance sum is aggregate.

9. Calculation and Payment of Insurance Compensation
The compensation amount is based on actual damages but does not exceed the insured sum or liability limits. For Theft/Total Loss, the depreciation value, deductible, and salvage value are deducted.

Payment Terms:

Decision on payment or denial is made within 10 business days of receiving all necessary documents.
Compensation is paid within 10 business days after the decision is made.

10. Consequences of Non-compliance
Failure to meet obligations under the contract may result in denial of compensation.

11. Standalone Purchase
This insurance product is not supplementary to other goods or services.

12. Discounts and Promotional Offers
No discounts or promotional offers are available.