My Casco +

1. Insurance object

Property on the right of possession and/or use and/or disposal, namely: a vehicle (hereinafter - the vehicle) with which the Insured's insurance interests are related.

Under this product, technically sound passenger cars, motorcycles and trailers, as well as additional equipment to them that is not included in the factory equipment, are accepted for insurance.

2. Insurance risks and insurance limits

Insurance risks:
- Illegal possession committed by means of theft, robbery, or plunder;
- Road traffic accidents, including throwing stones from under the wheels of the vehicle, collisions with animals while the vehicle is moving;
- Unlawful acts of third parties;
- Natural disaster: flood, storm, hurricane, tornado, storm, rainstorm, hail, collapse, avalanche, landslide, groundwater leakage, mudflow, lightning strike, ground subsidence, earthquake, etc;
- Fire, explosion or spontaneous combustion;
- Spontaneous fall of trees, stones or other objects; animal attack, damage to the vehicle by water or other objects or liquids as a result of a breakdown of utility networks; damage to the vehicle as a result of the vehicle falling under the road surface (hereinafter referred to as “Other cases”);
- War risks.

Insurance limitations:
The following vehicles are not eligible for insurance under this product:
- Vehicles that are not registered in Ukraine or are not subject to state registration;
- Vehicles that are in a technically defective condition and cannot be allowed to drive in accordance with the requirements of the Traffic Rules;
- Vehicles without a body number (if it is not provided by the manufacturer or destroyed);
- Vehicles used as a taxi, for carsharing, test driving, training, competitions, as replacement vehicles, are leased or rented;
- Vehicles over 15 years old;
- Vehicles of other types than passenger vehicles, their trailers and motorcycles (e.g., trucks, trailers, agricultural machinery, etc;)
- Vehicles of security companies, carriers (including dangerous goods), public transport, security companies, police, SES, ambulance, utilities, courier and airport services, military, demining services;
- Vehicles that are pledged or leased.

3. Minimum and maximum amounts of the sum insured (limit of liability)

The minimum and maximum amounts of the sum insured are not limited.
The sum insured shall be non-aggregate, set by agreement of the Parties and shall correspond to the actual value of the vehicle in US dollars at the time of conclusion of the insurance contract.

4. Minimum and maximum amounts of insurance premium and/or insurance tariff

The insurance rate may range from 0.65% to 21% of the sum insured.
Insurance premium = insurance tariff * sum insured in dollars USA.

5. Type, minimum and maximum amounts of deductible (if any)

The unconditional deductible shall be set by agreement of the Parties and shall be chosen by the Insured from the options from 0% to 5% of the sum insured. In this case:
- 0% deductible shall be applied regardless of the deductible selected under the insurance contract if the accident is not the fault of the Insured (customer bonus);
- in any case, a deductible in the amount of:
 2.5% of the sum insured - if the person driving at the time of the accident was younger than the age specified in the insurance contract among the drivers authorized to drive;
 5% of the sum insured or UAH 15,000 (the greater of the two) - if the average monthly mileage of the vehicle from the date of conclusion of the insurance contract to the date of occurrence of the insured event under the risks of Road Accidents, Illegal Acts of Third Parties and Other Events exceeds 5,000 km (only for vehicles with the sum insured up to UAH 500,000).

6. Territory and term of the insurance contract [including information on the procedure for its entry into force and insurance period(s) (if any)]

Insurance territory: Ukraine, European and CIS countries (except for the Republic of Belarus and the Russian Federation), Georgia, Turkey.

The insurance contract does not apply:
- temporarily occupied territories of Ukraine;
- on the territory of Ukraine where public authorities temporarily do not exercise their powers and in settlements located on the demarcation line;
- on the territory of war zones of any nature;
- in areas where a state of emergency has been officially declared or in an area officially recognized by state authorities as a possible natural disaster area, if such declaration was made prior to the conclusion of the insurance contract;
- roads where sports competitions are held.

The term of the insurance contract is 1 calendar year.

7. Exclusions from insured events and grounds for refusal of insurance payment

Exclusions from insured events:
1) Losses resulting from:
- military and political risks of any nature, except for those directly provided for in the insurance contract in the definition of “War Risks”;
- use of a technically defective vehicle, violation of the terms of the Vehicle Operation Manual;
- violation of fire safety rules, transportation or storage of explosive substances;
- towing of the vehicle in violation of traffic rules, transportation of cargo by the vehicle, including during its loading/unloading;
- use of the vehicle for other purposes, for training, as a prop or in sports competitions, as a taxi, rental, car sharing;
- failure of the insured to take measures to prevent unauthorized movement of the vehicle;
- theft of wheel disks, tires, wheel covers, cameras, emblems, state license plates or losses due to their damage, if other parts of the vehicle are not damaged;
- theft of the vehicle equipment without traces of burglary;
- minor damages, namely: chips less than 3 mm x 3 mm in size that do not affect road safety;
- driving the vehicle by a driver under the influence of alcohol, drugs or toxic substances;
- use of summer tires on the Insured Vehicle in the period from December 1 to March 1 (at the risk of an accident);
- mechanical and any other internal breakdown.

2) The Insurer shall not indemnify for the cost of the vehicle components that were not damaged as a result of the Insured Event.

Illegal seizure is not covered if the certificate of state registration of the vehicle, anti-theft system control element, keys are stolen together with the vehicle:
- committed by persons voluntarily admitted by the insured/driver to the vehicle interior;
- as a result of or during the fact that the key/keys were left in the vehicle or the vehicle was left unlocked.

Grounds for refusal of insurance payment:
- Intentional actions of the Insured / Driver that led to the insured event;
- Submission by the Insured / Driver of false information about the object of insurance, circumstances that are essential for assessing the insurance risk, or the fact of occurrence of the insured event;
- The Insured receives full indemnification of losses from the person who caused them
- Failure of the Insured / Driver to notify the Insurer of the occurrence of an insured event in a timely manner without good reason;
- Existence of circumstances that are exceptions to insured events;
- Failure of the Insured / Driver to fulfill the terms and conditions of the insurance contract;
- Personal refusal to receive indemnity;
- Avoidance or refusal to undergo in the prescribed manner the examination of the vehicle drivers for alcohol, drug or other intoxication.

8. Limits of Insurer's Liability for a Separate Insured Object, Insurance Risk, and/or Insured Event

Payment is made without a police report within the following limits:

• 10% of the insured amount under the Contract* or UAH 80,000 (eighty thousand), whichever is greater, in the absence of other participants, no more than 2 times during the contract period.
• UAH 80,000 in the presence of other participants in a traffic accident, based on the Europrotocol.

A sublimit of 10% of the insured amount is established for War Risks, which is paid aggregately: after the payment of insurance compensation, the limit is reduced by the amount of the paid insurance compensation.

*The insured amount is determined in US dollars and is calculated in the equivalent of the national currency of Ukraine at the exchange rate on the date of the insured event.

9. Procedure for Calculating and Conditions for Making Insurance Payments

Procedure for calculating insurance payments:

The amount of the insurance payment is determined based on the actual losses incurred by the Policyholder/Beneficiary as a result of the insured event, but not more than the insured amount* (liability limit) under the contract. In this case:

• In the event of Theft/Total Loss, the amount of vehicle depreciation for the contract period, the deductible, and the value of the damaged vehicle's remains are deducted from the insurance compensation.
• In all other cases, the amount of insurance compensation is calculated in the amount of the vehicle restoration cost (by an expert or based on a service station invoice) minus the depreciation of parts (except when the "no depreciation" option is selected in the contract) and the deductible.

*The insured amount is determined in US dollars and is calculated in the equivalent of the national currency of Ukraine at the exchange rate on the date of the insured event.

Conditions for making insurance payments:

1. The decision on payment or refusal of insurance compensation is made by the Insurer within 10 working days from the date of submission of all necessary documents. The decision on the insurance compensation payment is formalized by an insurance act.
2. Insurance compensation is paid within 10 working days from the date of the Insurer's decision on payment.
3. In case of a decision on refusal of payment or postponement of the decision, the Insurer notifies the Policyholder with justification of the reasons for the refusal or postponement within 10 working days from the date of such decision.

10. Possible Consequences for the Consumer in Case of Non-Fulfillment of Obligations Defined by the Insurance Contract

In case of non-fulfillment by the consumer of the obligations defined by the insurance contract, refusal of insurance compensation is possible.

11. Information about the Possibility to Purchase the Insurance Product Separately

The insurance product is not an addition to other goods, works, or services that are not insurance-related.

12. Conditions for Obtaining a Discount on the Insurance Product and Promotional Offers of the Insurer

Discounts and promotional offers for the insurance product are not provided.