Green Card for Vehicles
The cost depends on the type of vehicle and the duration of the trip
The liability amount is determined according to the laws of the country where the accident occurred.
Does not depend on the vehicle's age
The insurance partner "Ukrainian Insurance Group" is among the top three leaders in the Green Card in Ukraine.
Insurance product "Green Card" is a product of "IC "USG", which UNIQA implements as an insurance agent.
1. Object of insurance
Property interests that do not contradict the legislation of Ukraine, related to the compensation by a person whose civil liability is insured, for damage caused to the life, health, or property of victims as a result of the operation of the insured vehicle.
2. Insurance risks and insurance limitations
Insurance Risk:
A road traffic accident (hereinafter referred to as an RTA) involving the insured vehicle, as a result of which the person whose civil liability is insured is obliged to compensate for damage caused to the life, health, and/or property of injured parties, occurring within the territory of the member states of the international motor insurance system "Green Card."
Insurance Limitations:
• The international insurance contract is valid within the territory of the member states of the international motor insurance system "Green Card," as specified and not crossed out in the "Green Card" insurance certificate;
• The international insurance contract is concluded exclusively for vehicles registered within the territory of Ukraine.
3. Minimum and maximum insurance sum (liability limit)
The insurance amount (liability limit) is determined by the legislation of the member states of the international motor insurance system "Green Card," where the RTA occurred.
4. Minimum and maximum insurance premium and/or insurance tariff
The insurance premium amount under the international insurance contract is determined based on the current Tariff Policy for the insurance product "Compulsory Civil Liability Insurance of Land Vehicle Owners – International Insurance Contract."
5. Type, minimum and maximum deductible (if any)
No deductible applies.
6. Territory and term of the insurance contract (including information on the procedure for its entry into force and insurance period(s) (if any))
The international compulsory civil liability insurance contract is valid within the territory of the member states of the international motor insurance system "Green Card," as specified and not crossed out in the "Green Card" insurance certificate.
The international insurance contract may be concluded for a period of 15 calendar days, 21 calendar days, one month, two months, three months, four months, five months, six months, seven months, eight months, nine months, ten months, eleven months, or one year.
The international insurance contract takes effect from 00:00 on the start date of its validity period, as specified in the contract, but not earlier than the beginning of the day following the entry of the contract record into the Unified Centralized Database. It terminates at 24:00 on the date specified in the contract as the end date of its validity period.
7. Possible consequences for the consumer in case of failure to fulfill the obligations defined by the insurance contract, including untimely notification of the occurrence of an insurance case without valid reasons and untimely payment of the insurance premium or its subsequent part
In case of non-payment within the established period or partial payment of the insurance premium, the entry regarding the compulsory civil liability insurance contract is not recorded in the Unified Centralized Database.
If, after the insurance payout has been made, it is discovered that false, incomplete, or inaccurate information was provided to the insurer, resulting in an incorrect calculation of the insurance payout and/or an unjustified payout, or if the injured party received compensation from the person responsible for the damage or from another insurer, the insurer that made the insurance payment has the right to demand the return of the paid amount or the corresponding part of such payment in the amount paid unjustifiably, or the difference between the payment made and the compensation received by the injured party from the liable party or another insurer.
The insurer, after making the insurance payment, has the right to a recourse claim against the person whose civil liability is insured and who caused the road traffic accident (the person who, according to the law, bears civil liability for the damage caused) if:
a) such a person was operating the vehicle under the influence of alcohol, drugs, or other intoxicating substances or under the influence of medications that impair attention and reaction speed;
b) such a person was operating the vehicle without a valid driving license, including the required category;
c) such a person, after being involved in a road traffic accident, left the accident scene without authorization or refused to undergo the legally required examination for alcohol, drug, or other intoxication, or for the use of medications that impair attention and reaction speed, or consumed alcohol, drugs, psychotropic substances, their analogs, or medications based on them before undergoing such an examination (except for those included in an officially approved first aid kit or prescribed by a medical professional);
d) the road traffic accident was officially recognized as a direct consequence of the vehicle's technical condition and equipment failing to meet the safety and environmental standards, road traffic regulations, or technical operation requirements;
e) such a person used the vehicle to commit a criminal offense.
8. Information on the possibility of purchasing the insurance product separately, if such a product is offered together with an accompanying and/or additional product, work, or service that is not insurance, as part of one package or contract
The insurance contract is not additional to other products, works, or services that are not insurance.
9. Conditions for obtaining a discount on the insurance product and promotional offers of the insurer (if any), including their validity periods
No discounts are provided.
10. List of information essential for assessing insurance risk and/or other circumstances considered when determining the insurance premium amount
Information about the policyholder: surname, first name, patronymic (if applicable) or name of the Policyholder; RNOKPP (or, if unavailable, passport series and number – for an individual)/EDRPOU; date of birth of the Policyholder (if an individual); place of residence/location; indication that the Policyholder is a resident of Ukraine; type of Policyholder (individual/legal entity/private entrepreneur).
Information about the insured vehicle: make, model, registration number, year of manufacture, VIN (body, chassis, or frame number), engine capacity in cubic cm (for all types of vehicles with internal combustion engines, including hybrids), power in kW (maximum power according to the vehicle registration document) (for all types of vehicles with an electric motor, including hybrids), gross weight in kg, unladen weight in kg, number of seats, including the driver’s seat.
Insurance contract validity period.
Territory of insurance coverage.
11. Consumer warning regarding the need to review information on exclusions from insurance cases and grounds for refusal of insurance payments, insurer’s liability limits for a specific insured object, insurance risk, and/or insurance event, as well as the calculation method and conditions for insurance payments, including a link to such information
Before entering into the insurance contract, the consumer must review the contract terms, including information on exclusions from insurance cases and grounds for refusal of insurance payments, as well as the calculation method and conditions for insurance payments.
Information disclosed in the General Terms of the insurance product is available at the following link: https://api.usg.ua/pds/Zagalni_umovi_ZK_(online)
The insurance amount (liability limit) is determined by the legislation of the member states of the international motor insurance system "Green Card," where the RTA occurred.
Information on liability limits applicable in the member states of the international motor insurance system "Green Card" is available on the Council of Bureaux website at: https://www.cobx.org.
12. Procedure for concluding and paying for the compulsory civil liability insurance contract for land vehicle owners
The insurance contract is concluded by joining the General Terms of the insurance product "Compulsory Civil Liability Insurance for Land Vehicle Owners – Domestic Insurance Contract." The insurance contract consists of the public part of the contract, which is the General Terms of the insurance product "Compulsory Civil Liability Insurance for Land Vehicle Owners – International Insurance Contract," and the individual part of the contract – the insurance policy (policy), the form of which is approved by the MTIBU.
The international insurance contract takes effect from 00:00 on the start date of its validity period, as specified in the contract, but not earlier than the beginning of the day following the entry of the contract record into the Unified Centralized Database. It terminates at 24:00 on the date specified in the contract as the end date of its validity period.
The insurance premium must be paid in full as a one-time payment before or at the time of concluding the compulsory civil liability insurance contract.
If the insurance premium is paid in full, the insurer is obliged to enter the insurance contract record into the Unified Centralized Database in the manner prescribed by the MTIBU before or at the time of concluding such a contract.
If the insurance premium is not paid within the established period or is not fully paid, the record of the insurance contract is not entered into the Unified Centralized Database.
After concluding the international insurance contract, the insurer must, no later than the date and time of its commencement, also send (provide) the policyholder with the "Green Card" insurance certificate.
13. Methods of obtaining information on the registration of a compulsory civil liability insurance contract for land vehicle owners in the Unified Centralized Database of compulsory civil liability insurance, including a link to the webpage on the MTIBU website where such information can be accessed
To obtain information on the registration of an international compulsory civil liability insurance contract for land vehicle owners in the Unified Centralized Database, please visit the website of the Motor (Transport) Insurance Bureau of Ukraine (MTIBU) at the following link: https://policy-web.mtsbu.ua/#tab2
14. List of categories of individuals entitled to a reduced insurance premium (under the domestic compulsory civil liability insurance contract for land vehicle owners)
A reduction in the insurance premium for international insurance contracts is not provided for by Law 3720.
15. Information on the validity of a compulsory civil liability insurance contract for land vehicle owners in the event of a change of ownership of the insured vehicle
If the ownership of the insured vehicle changes due to its lawful transfer, the insurance contract remains valid until the expiration of its term, and the rights and obligations of the Policyholder are transferred to the new owner of the specified vehicle.
In the event of the death of the Policyholder (if an individual), their rights and obligations under the insurance contract are transferred to the person who inherits the vehicle specified in the contract and/or the person who, under the provisions of the Civil Code of Ukraine, is considered to have accepted the inheritance.
The right to receive a portion of the insurance premium in the event of early termination of the insurance contract due to the death of the Policyholder (if an individual) is transferred to the person who inherits the vehicle specified in the contract and/or the person who, under the provisions of the Civil Code of Ukraine, is considered to have accepted the inheritance.
If the ownership of the insured vehicle changes, the new owner must notify the insurer in writing within 15 calendar days from the date of acquiring ownership of the vehicle and provide their personal information.
16. Information about MTIBU, including MTIBU contact details or a link to the webpage on the MTIBU website where this information is available
Information about MTIBU, including its contact details, is available on the webpage of the MTIBU website at the following link: https://mtsbu.ua/about
17. Grounds and procedure for MTIBU's regulatory payment in the case specified in paragraph 4 of part one of Article 43 of the Law of Ukraine "On Compulsory Civil Liability Insurance of Land Vehicle Owners," or a link to the webpage on the MTIBU website where information about the regulatory payment procedure is available
Does not apply to insurance cases that occurred outside the territory of Ukraine.
18. Consumer procedure for obtaining an insurance payment under direct settlement of an insurance case (under the domestic compulsory civil liability insurance contract for land vehicle owners)
Does not apply to insurance cases that occurred outside the territory of Ukraine.
General terms and conditions of the insurance product ‘Compulsory insurance of civil liability of owners of land vehicles - international insurance contracts’ (ed. dated 01.01.2025)
Information document on standard insurance product ‘Compulsory insurance of civil liability of owners of land vehicles - international insurance contract’ (ed. dated 27.01.2025)
