1. Insurance Object

The insurance object includes:

• Property Insurance: An apartment or private house under the right of ownership, use, and/or disposal, including structural elements with engineering and communication systems, interior finishes, and movable household property.

• Liability Insurance: Liability for damage caused to neighbors during the ownership, use, and/or disposal of the insured property by individuals whose liability is insured.

2. Insurance Risks and Limitations

Insurance Risks:

• Property Insurance:

  • Fire Risks: Fire (including arson), explosion, lightning strike.
  • Natural Disasters: Heavy rain, storm, hurricane, gale, tornado, squall, hail, rockfall, landslide, earthquake, flood, high water, mudflow, collapse, subsidence, meteorite impact.
  • Water Risks: Accidents of water supply, sewage, heating systems, and connected household devices, penetration of water or other liquids from neighboring premises, freezing of utility systems.
  • Illegal Actions of Third Parties: Burglary (including with signs of breaking), robbery, assault, vandalism.
  • Falling Objects: Including manned aircraft, glass breakage.

• Liability Insurance: The occurrence of liability of individuals whose liability is insured, due to their actions or inactions during the ownership, use, and/or disposal of the insured property, for damage caused to third parties (neighbors) and/or their property.

Insurance Limitations:

The following are not subject to insurance under this product:

• Any vehicles, their components, mobile cottages, residential trailers.
• Objects subject to demolition, in an emergency state, dilapidated and/or old, not commissioned, under construction and/or installation, restoration, undergoing construction and installation works, including objects under repair, or objects not in use.
• Objects not used for permanent residence, i.e., not in use for more than 90 consecutive calendar days.
• Personal belongings of the insured (beneficiary), including clothing and footwear.
• Houseplants, food products, animals, and birds.
• Intellectual property objects, antiques, fur products, cash, payment cards/savings books, documents, information carriers, mobile phones, products made of precious/noble metals, stamp or coin collections, etc.

3. Minimum and Maximum Insurance Sum (Liability Limit)

The insurance sum for property insurance is aggregate, determined depending on the chosen program, settlement, and total area of the real estate (according to the technical passport).

The insurance sum for liability insurance is aggregate, determined by agreement of the parties in the amount from 100,000 UAH to 1,000,000 UAH.

4. Minimum and Maximum Insurance Premium and/or Insurance Rate

The minimum and maximum insurance rate depend on the chosen program and can be:

• Property Insurance: From 0.11% to 0.47%.
• Liability Insurance: From 0.10% to 0.34%.

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

Unconditional Deductible:

• For the Standard Program in the property and liability insurance sections, the deductible is selected by the Policyholder at the time of entering into the insurance contract from the following options: 3,000 UAH, 5,000 UAH, or 10,000 UAH. In cases of harm caused to the life or health of a third party (in the liability insurance section), the deductible is not applied.

• For the Vacation Program in the property insurance section, the deductible is set at 3,000 UAH.

6. Territory and Duration of the Insurance Contract (including information on the procedure for its entry into force and the insurance period(s), if any)

Territory of Insurance: The address of the insured real estate as per its registration documents, excluding:

• Temporarily occupied territories of Ukraine;

• Territories of Ukraine where state authorities temporarily do not exercise their powers, and settlements located along the demarcation line;

• Territories of any kind of military operations;

• Areas where a state of emergency has been officially declared or zones officially recognized by state authorities as areas of potential natural disasters, if such a declaration was made before the conclusion of the insurance contract.

Duration of the Insurance Contract: Determined based on the selected Program and can range from 4 days to 1 calendar year.

The contract comes into effect on the date specified in the Contract as the start date, but not earlier than the day following the date the insurance premium (or the first part of the premium, if the total premium is paid in installments) is credited to the Insurer's current account in the amount and within the term specified in the Contract.

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

In case the consumer fails to fulfill the obligations defined by the insurance contract, a refusal to pay insurance compensation is possible.

8. Information on the Possibility of Purchasing the Insurance Product Separately

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

9. Conditions for Receiving Discounts on the Insurance Product and Promotional Offers from the Insurer

No discounts or promotional offers are provided for this insurance product.

10. List of Information Essential for Assessing the Insurance Risk and/or Information on Other Circumstances Considered When Determining the Amount of the Insurance Premium

Information essential for the Insurer's decision on the insurance premium amount and risk assessment includes details about:

• The insurance object specified in the Contract and/or Insurance Application;

• Transfer of the Insured property into mortgage, pledge, lease/sublease;

• Change of ownership of the Insured property (sale, donation, etc.), issuance of a power of attorney with the right to dispose of the Insured property to another person, conclusion of a preliminary sale agreement regarding the Insured property, receipt of a deposit;

• Use of the Insured property not for its intended purpose or carrying out redevelopment/repair work to use it as an office, warehouse, commercial premises, hotel, sauna, workshop, etc.;

• Lack of supervision over the Insured property for more than 90 consecutive calendar days;

• Presence of external and/or internal wooden walls (including those fully or partially covered with brick, foam, gas, or slag concrete) and/or wooden floors (for buildings with more than one floor) in the structural elements of the Insured property;

• The Insured property being under arrest or encumbrance (except for encumbrance related to the fulfillment of contractual relations between the Policyholder and the Beneficiary);

• All active insurance contracts concluded regarding the Insurance Object.

Note: Before concluding the insurance contract, it is necessary to familiarize yourself with information about exclusions from insurance cases and grounds for refusal to make insurance payments, liability limits of the insurer for a specific insurance object, risk, and/or case, as well as the procedure for calculating and conditions for making insurance payments via the link https://uniqa.ua/storage/insurance-products/reports-files/2106_umovy_25.06.2024.pdf. 

Insurance product programs:

For the above-mentioned Programs, the following conditions are common:

• Possible consequences for the consumer in case of failure to fulfill the obligations defined in the insurance contract, including untimely notification of the occurrence of an insurance event without valid reasons and untimely payment of the insurance premium or its subsequent part;

• Information about the possibility of purchasing the insurance product separately, if such a product is offered together with an accompanying and/or additional good, work, or service that is not insurance-related, as part of a single package or contract;

• Conditions for obtaining a discount on the insurance product and promotional offers from the insurer (if available), including their validity periods.