Insurance of civil liability of vehicle owners

Liability arising from the use (operation) of ground vehicles (including rail transport), other than that defined by the Law of Ukraine "On Mandatory Insurance of Civil Liability of Owners of Ground Vehicles."

• the occurrence of civil liability for damage caused to the property of the Injured party as a result of a traffic accident;
• the occurrence of civil liability for damage inflicted on the life and/or health of the Injured parties as a result of a traffic accident. Compensation covers direct damage caused to the vehicle, any other property, and/or the life or health of a third party during the movement of the insured vehicle when there is a causal link between the movement of the insured vehicle and the damage caused by it.

Not accepted for insurance (insurance restrictions):

• vehicles involved in sports competitions are used for training rides, passenger transport on a commercial basis or are rented;
• motorcycles. The minimum and maximum amounts of the insurance sum (liability limit) range from 50,000 to 1,000,000 UAH. The insurance amount is aggregate, meaning it decreases after payment of the insurance compensation by the amount of the payout. The minimum and maximum amounts of the insurance premium and/or insurance rate are 0.056% – 2.95%. Type, minimum and maximum amounts of the deductible (if any) Unconditional deductible under the agreement for each and any insurance case for risks of civil liability for damage caused:
  – damage to third party property as a result of a traffic accident – is established at the amount of the insurance sum for damage caused to the property of victims, determined in accordance with the current legislation for contracts of compulsory civil liability insurance of owners of ground vehicles on the date of the conclusion of the additional motor insurance contract. – life and health of third parties – is established at the amount of the insurance sum for damage caused to the life and health of victims, determined in accordance with the current legislation on the date of the conclusion of the additional motor insurance contract. The territory and duration of the insurance contract [including information about the procedure for its entry into force and the insurance period(s) (if any)] Ukraine (excluding the territory of the Autonomous Republic of Crimea, the city of Sevastopol, as well as the territories where state authorities do not temporarily exercise or exercise their powers in full at the time of the event that has signs of an insured event). The minimum duration of the insurance contract is 3 months.

Exceptions to insurance cases and grounds for refusal to make insurance payments The Insurer does not compensate for damages caused:

• the life and health of the Insured (or persons allowed to drive the insured vehicle) and passengers who were in the insured vehicle at the time of the insurance event;
• when operating the insured vehicle, but for which civil liability does not arise according to Ukrainian legislation;
• the insured vehicle and property (cargo) contained in the insured vehicle;
• to objects of the natural environment as a result of their pollution or damage;
• in cases where the insured vehicle was out of the control of the Insured or persons authorised to drive the insured vehicle;
• antique items, products made of precious metals, precious and semi-precious stones, jewellery, items of religious worship, paintings, manuscripts, banknotes, securities, various types of documents, philatelic, numismatic and other collections;

The insurer is relieved from paying the insurance compensation in the case of:

• claims for indirect losses, moral damage, and also loss of profit by the injured parties;
• road traffic accidents that occurred as a result of intentional actions by the Insured (or persons allowed to operate the insured vehicle) and/or the injured parties, if such actions are recognized as such according to current legislation;
• if the Insured (or a person allowed to operate the insured vehicle) and/or a third party provided knowingly false information that led to an increase in the amount of insurance compensation or an unjustified payment;
• force majeure circumstances (including but not limited to nuclear explosion, radiation or radioactive contamination; military actions, terrorist acts, civil unrest, looting, armed conflict; risks associated with computer viruses, malware, electronic failures);
• using the vehicle for unintended purposes, including its temporary transfer to police or health workers;
• using the secured vehicle in races, competitions, tests, rallying, for driving instruction, as well as offering it for rent;
• using the secured vehicle for transporting passengers on a commercial basis (for a fee);
• Towing or transporting the secured vehicle or transporting (towing) any other vehicle with the secured vehicle;
• movement of the secured vehicle on the premises of enterprises, airfields, military units, maintenance stations, collective parking lots, cooperative garages and other locations that are fenced, secured and have an access system for entry and exit;
• the fact of damage caused by cargo that has fallen from the secured vehicle, an object thrown out from under the wheel, or a mechanism mounted on this vehicle as a result of its operation, including a crane, excavator;
• the influence of external factors and natural disasters (including, but not limited to, damage caused by an explosion of the secured vehicle, if it occurred not at the accident site and is not a consequence of it, as well as as a result of detonating this vehicle;
  - causing damage as a result of spontaneous combustion or arson of a secured vehicle not in motion;
  - a road traffic accident that occurred due to a natural disaster, a fire not related to this accident, and other circumstances of force majeure;
  - a road traffic accident that resulted from the influence of any explosive materials (explosive devices of industrial, homemade and/or artisanal manufacture, explosives, means of initiation, products and devices containing explosives, etc.). The insurer's liability limits for each insured object, insurance risk and/or insurance event, group of insurance risks and/or insurance events (if any), and other components of the insurance product. The insurer's liability for each insured object is limited to the amount specified in the insurance contract. The procedure for calculating and conditions for making insurance payments.
• Insurance payment is made based on the application submitted by the Insured.
• Insurance payment is made only after the causes and extent of the damage have been fully established and the Policyholder has provided all necessary documents and/or information, including those confirming the causes and extent of the damage, the list of which is specified in the contract.
• The Insurer prepares the Insurance Act within 10 (ten) working days from the time of receiving the Claim for the event and payment and other documents/information. The specified period may be extended according to the terms of the contract.
• When the Insurer recognises the event as an "insured event", the insurance payout is made within 10 working days from the date of the Insurance Act being drawn up.
• The decision to refuse the insurance payout is made by the Insurer within 10 (ten) working days, starting from the moment of receiving the Claim for the event and for payout and other documents and/or information according to the terms of the contract, and is communicated to the Insured in writing with justification for the refusal no later than 5 working days from the date of such decision.
• If as a result of one insured event there are multiple Victims, the insurance compensation is paid to each of them in accordance with the terms of the Contract, but the total amount of compensation paid to all Victims cannot exceed the amount of the insured sum.
• The insurer compensates for the damage caused to the life and health of the victim in a road traffic accident, including costs for treatment, temporary or permanent loss of ability to work, and death. Treatment costs include medical care, rehabilitation, and the purchase of medication. In case of temporary loss of ability to work, the income not received is compensated, and in the case of permanent loss of ability to work, the income not covered by other types of insurance is compensated. In connection with the death of the victim, reasonable burial expenses are reimbursed. In the event of the breadwinner's death, a portion of the income not received by the victim, which would have belonged to each dependent during their lifetime, is compensated, minus pensions provided to dependents as a result of the loss of the breadwinner. The procedure for calculating the compensation for dependents is determined by the Cabinet of Ministers of Ukraine.
• Due to the damage to the vehicle, expenses related to the restorative repair of the vehicle are compensated without accounting for depreciation (if the conditions specified in the insurance contract are met) or with the deduction of depreciation calculated in accordance with the law, including costs for removing damages intentionally caused to rescue the Injured persons as a result of the traffic accident, with the evacuation of the vehicle from the location of the traffic accident to the residence of the owner or legal user of the vehicle who was driving the vehicle at the time of the accident, or to a repair location within Ukraine. Specific conditions for applying the depreciation option are specified in the insurance contract. Expenses related to the restorative repair of the vehicle with the deduction of depreciation calculated in accordance with the law.
• Expenses for the removal of damage intentionally caused in order to rescue victims of the road traffic accident, expenses for the evacuation of the vehicle from the site of the accident to the residence of the owner or lawful user of the vehicle who was operating the vehicle at the time of the accident, or to the nearest place of repair within Ukraine (excluding the territory of the Autonomous Republic of Crimea and the city of Sevastopol).
• When a vehicle is recognised as physically destroyed according to the terms of the Agreement, the insurance payout is made in the amount of the difference in the value of the vehicle before and after the accident, as well as the costs of evacuating the vehicle from the site of the accident. Possible consequences for the consumer in case of failure to fulfil their obligations as defined in the insurance contract, including late notification of the occurrence of an insured event without valid reasons and late payment of the insurance premium or its subsequent part. The Insurer has the right to decide to refuse the payment of the insurance compensation in the case of the Policyholder's (the person designated in the insurance contract or by legislation) late notification of the event that has signs of an insured event, without valid reasons or failure to fulfil other obligations as defined in the insurance contract or legislation, if this has led to the Insurer's inability to establish the fact, the reasons and circumstances of the occurrence that has the characteristics of an insured event, or the amount of damage (losses) caused. Information on the possibility of purchasing the insurance product separately, if such a product is offered along with a related and/or additional goods, work, or service that is not insurance, as part of one package or contract The insurance product is not additional to other non-insurance goods, works, or services. The conditions for receiving discounts on the insurance product and promotional offers from the insurer (if any), including their validity periods Discounts and promotional offers for this insurance product are not provided.