Civil liability for damage caused to the life, health, and/or property of injured third parties as a result of a traffic accident involving the insured vehicle.

The occurrence of civil liability of the Policyholder/the Person whose liability is insured for damage caused by the insured vehicle to the life, health, and/or property of injured third parties as a result of a traffic accident involving the insured vehicle.

Insurance limitations - none.

Minimum insurance sum - 50,000 UAH

Maximum insurance sum - 1,000,000 UAH

Minimum insurance rate - 0.1%

Maximum insurance rate - 3%

Not applicable.

Territory of coverage - Ukraine (except for the territories of active hostilities and temporarily occupied territories by the Russian Federation as determined by the Order of the Ministry for Reintegration of the Temporarily Occupied Territories № 309 dated December 22, 2022, "On Approval of the List of Territories Where Hostilities Are Taking Place or Have Taken Place or Temporarily Occupied by the Russian Federation" or any amendments thereto, as well as within 50 km from these territories), areas of combat zones, civil disturbances, and areas where a special permit regime (entry/stay/exit regime) is established.

The contract is concluded for a period of up to 1 year (inclusive).

The contract becomes effective from the date specified in the contract, but not earlier than the receipt of the insurance payment on the Insurer's current account.

The extension of the contract is not possible.

7.1. The following are not considered insurance cases, and insurance compensation is not paid if the damage caused to the injured third parties is related to an event that:

7.1.1. Occurred before the commencement of the Contract or after its expiration.

7.1.2. Occurred outside the specified coverage territory of this Contract.

7.2. The Insurer does not compensate for damage caused:

7.2.1. During the operation of the insured vehicle, but for which no civil liability arises according to the current legislation of Ukraine.

7.2.2. To the insured vehicle that caused the accident.

7.2.3. To the life and health of the Policyholder or the person responsible for the accident.

7.2.4. To the life and health of passengers who were in the insured vehicle and are insured under personal accident insurance on transport.

7.2.5. To property located in/on the insured vehicle that caused the accident.

7.2.6. During the use of the insured vehicle for training (instructional) trips, participation in sports competitions, testing operational and/or technical characteristics (including "test drives"), auto shows unless otherwise provided by the Contract.

7.2.7. During the operation of the vehicle for commercial passenger transport (taxi, shuttle taxi).

7.3. The following is not subject to compensation:

7.3.1. Damage caused as a result of a traffic accident if it occurred due to any military actions (including the use of explosive devices or firearms), military invasions, uprisings, civil disturbances, strikes, lockouts, terrorist acts, terrorism, natural disasters, ammunition explosions, or any other actions (including participation in these and aforementioned actions) for political reasons, confiscation, forced withdrawal, requisition, or damage by order of the existing government or any authority, as well as arrest or other seizures carried out by law enforcement or other authorized bodies (customs, border, or others), vehicle fires unrelated to this accident.

For the purposes of this Contract, "terrorism" means:

Socially dangerous activity, which consists of conscious, deliberate use of violence through hostage-taking, arson, murder, torture, intimidation of the population and authorities, or committing other attacks on the lives or health of innocent people or threats to commit criminal acts with the aim of achieving criminal goals.

7.3.2. Any actions or activities recognized as a terrorist act by the law enforcement agency of the country or territory where such an action/activity took place unless otherwise provided by the insurance contract.

7.3.3. The use of any biological, chemical weapons, nuclear weapons, or other nuclear devices, as well as means of attacking live forces and/or property released from artillery or other military weapons or dropped from an aircraft/ship unless otherwise provided by the insurance contract.

7.3.4. Damage directly or indirectly caused or contributed to by radioactive or other ionizing radiation, including that emitted by radioactive substances by alpha, beta, or gamma radiation, neutron radiation, or radiation from charged particle accelerators, optical (lasers), microwave (masers), or similar quantum generators; bacteriological, chemical, or radioactive contamination.

7.3.5. Damage directly or indirectly resulting from continuous, regular, prolonged action, emission, spillage, movement of gases and gaseous substances, vapors, rays, liquids, moisture, acids, chemical compounds, or any, including non-atmospheric precipitation (soot, smoke, dust, etc.) and other pollutants.

7.3.6. Damage related to the loss of the marketable appearance of the vehicle.

7.3.7. Damage related to the damage or destruction as a result of an accident of antiques, products made of precious metals, precious and semi-precious stones, jewelry, religious items, paintings, manuscripts, monetary signs, securities, various documents, philatelic, numismatic, and other collections.

7.3.8. This Contract does not cover the liability of the Policyholder (driver of the insured vehicle) for damage caused to injured third parties as a result of an accident if:

7.3.8.1. The Policyholder (driver of the insured vehicle) and/or the injured third party were driving the vehicle under the influence of alcohol, drugs, toxic substances, or other intoxication, or under the influence of medical preparations, the use of which is contraindicated (prohibited) while driving.

7.3.8.2. The Policyholder (driver of the insured vehicle) and/or the injured third party were driving the vehicle without the right to drive a vehicle of the appropriate category.

7.3.8.3. The Policyholder (driver of the insured vehicle) and/or the injured third party willfully left the scene of the accident or evaded medical examination for the purpose of detecting alcohol, drug, or other intoxication or being under the influence of medications that reduce attention and reaction speed.

7.3.8.4. The accident is officially determined to be a direct consequence of the insured vehicle's technical condition and equipment not meeting the existing requirements of the Traffic Rules.

7.3.8.5. The driver of the insured vehicle violated the established rules for transporting passengers and/or transporting another vehicle and/or any cargo whose weight exceeds the norm established for the insured vehicle by the Vehicle Operation Manual, technical specifications of the vehicle manufacturer.

7.4. The following is not subject to compensation:

7.4.1. Damage caused to the life, health, and/or property of injured third parties to the extent compensated under the Law of Ukraine "On Compulsory Insurance of Civil Liability of Owners of Land Vehicles."

7.4.2. Indirect losses, including but not limited to fines, penalties, and other penalties.

7.4.3. Damage caused to the natural environment.

7.4.4. Moral damage.

None

9.1. Insurance compensation is made according to the contract terms based on the insurance act compiled by the Insurer or its authorized person.

9.2. Within 15 (fifteen) working days from the date of receiving all necessary documents and information about the circumstances of the case, which may be recognized as an insurance event according to the contract terms, the Insurer decides on the payment of insurance compensation or refusal of insurance compensation and draws up an insurance act or an act of refusal of payment.

9.3. If a decision to pay insurance compensation is made, the payment is made to the injured third party within 90 (ninety) calendar days from the date of receipt of the insurance compensation claim. The date of payment of insurance compensation is the date of debiting funds from the Insurer's account.

9.4. If a decision is made to refuse payment of insurance compensation, the Insurer notifies the Policyholder and the injured third party in writing with justification for the reason for refusal within 10 (ten) working days from the date of making such a decision.

9.5. The Insurer has the right to postpone the decision on payment or refusal of insurance compensation:

9.5.1. If the Insurer has doubts about the accuracy of the provided information and documents. The period for making a decision on recognizing the case as an insurance event is extended for the period of collecting by the Insurer the necessary supporting documents from organizations, enterprises, and institutions that have the necessary information, but this period may not exceed 60 calendar days from the date of receiving all necessary documents and information about the circumstances of the case according to the contract terms.

9.5.2. If it is impossible to establish the circumstances, causes, and extent of the damage based on the provided documents. The Insurer has the right to conduct an additional investigation to determine the circumstances, causes, and extent of the damage. In this case, the insurance act is drawn up by the Insurer within 5 (five) working days after receiving the final results of such an investigation, but not later than 60 calendar days from the date of submission by the injured third party of all documents provided by the contract terms.

9.6. If the Policyholder, with the written consent of the Insurer, independently compensated the damage caused to the injured third party, the Insurer compensates these expenses directly to the Policyholder, provided that the injured third party submits a written waiver of claims against the Policyholder and the Insurer. If the Policyholder incurred such expenses without prior agreement with the Insurer, the Insurer has the right to refuse to compensate these expenses or reduce their amount, taking into account the requirements of Ukrainian legislation on the procedure for compensating such damage.

9.7. Insurance compensation in the event of damage to the life and/or health of injured third parties is calculated based on justified expenses related to the delivery, placement, maintenance, diagnosis, treatment, prosthetics, and rehabilitation of the injured person in the relevant healthcare facility, medical care, home treatment, and the purchase of medicines, burial expenses (in case of death of the injured third party), but not more than:

9.7.1. 50% of the Insurer's liability sublimit in case of treatment (temporary loss of working capacity) of the injured third party;

9.7.2. 100% of the Insurer's liability sublimit in case of death or establishment of the I disability group of the injured third party;

9.7.3. 80% of the Insurer's liability sublimit in case of establishment of the II disability group of the injured third party;

9.7.4. 60% of the Insurer's liability sublimit in case of establishment of the III disability group of the injured third party;

9.7.5. 97% of the Insurer's liability sublimit in case of recognition of a minor (underage) person (injured third party) as a disabled child.

9.8. The expenses provided in p. 9.7. and their necessity must be documented by the relevant healthcare institution. Burial expenses must be confirmed by the relevant acts of work performed, invoices, receipts, etc.

9.9. Insurance compensation in the event of damage to the property of injured third parties is calculated based on the amount of expenses related to:

9.9.1. Damage or physical destruction of the vehicle or other property;

9.9.2. Conducting necessary and appropriate measures to prevent or reduce the amount of damage, but not more than 2,000 UAH;

9.9.3. Evacuation of the injured person's vehicle from the accident site to the residence of the vehicle owner or lawful user (driver) who was driving the vehicle at the time of the accident or to the repair site within Ukraine, but not more than 2,000 UAH;

9.9.4. Parking the vehicle in a guarded parking lot, if the damaged vehicle of the injured third party needs to be placed in a parking lot for valid reasons, but not more than 500 UAH for the entire period of parking.

9.10. In connection with vehicle damage, expenses related to the vehicle's restoration repair considering depreciation calculated based on the results of an automotive goods expert evaluation in the manner established by the legislation are reimbursed. The automotive goods expert evaluation is conducted by a specialized expert organization or a specialist authorized to conduct such work. The choice of an expert organization is made by the Insurer or must be agreed upon with the injured third party (their authorized representative) in writing.

9.11. If the damaged property is a vehicle considered physically destroyed, its owner is compensated for the difference between the vehicle's value before and after the accident. A vehicle is considered physically destroyed if its repair is technically impossible or economically unreasonable. Repair is considered economically unreasonable if, according to the accident certificate (report), report (act), or assessment conclusion prepared by the accident commissioner, appraiser, or expert according to the legislation, the expenses for the vehicle's restoration repair exceed the vehicle's value before the accident.

9.12. The Insurer pays insurance compensation directly to the injured third party or to the enterprises, institutions, and organizations that provide services for repairing damaged property, treating injured third parties, and other services related to damage compensation, agreed upon with the injured third party.

9.13. The Insurer pays insurance compensation within the sublimit of compensation, less the deductible specified in this Contract.

9.14. In any case, the total amount of insurance compensation for one or more insurance events cannot exceed the corresponding sublimit of the Insurer's liability according to the contract terms.

9.15. After payment of insurance compensation, the insurance sum (compensation sublimit) under the Contract is reduced by the amount of insurance compensation.

9.16. The person who received insurance compensation is obliged to return the received insurance compensation (or its corresponding part) to the Insurer within 30 (thirty) calendar days and reimburse the Insurer's expenses related to damage settlement if, within 3 (three) years from the date of the insurance event, it is discovered that such a circumstance completely or partially deprives the person who received the insurance compensation of the right to insurance compensation according to the current legislation of Ukraine or the contract terms.

9.17. If the injured third party received full compensation for damages from the person responsible for the damages, the injured third party is not entitled to claim insurance compensation from the Insurer.

9.17.1. If the injured third party received partial compensation for damages from the person responsible for the damages, the amount of compensation received by the injured third party is deducted from the calculated insurance compensation.

9.18. In the event of damage to the life or health of the injured third party, insurance compensation within one insurance event is paid for the final consequences of the accident, excluding interim consequences (in case of establishing a disability group for the injured third party due to the accident, payment for temporary loss of working capacity, which preceded the establishment of the disability group, is not made). If a more severe degree of permanent loss of working capacity is established within 12 months from the date of the accident, the Insurer pays the difference between the amount of insurance compensation paid for the establishment of a less severe disability group and the amount to be paid for the establishment of a more severe disability group according to the contract terms. In case of the death of the injured third party, the heirs are paid the remaining insurance compensation, which constitutes the difference between the Insurer's liability sublimit stipulated by the contract and the amount of insurance compensation already paid for this insurance event.

9.19. If several persons (the driver of the insured vehicle and the drivers of other vehicles) are responsible for the indivisible damage caused by interconnected, joint actions, the amount of insurance compensation made under the Contract is determined by dividing the amount of damage by the number of such guilty persons.

9.20. If, due to one insurance event, damage is caused to several injured third parties, and the total amount of damage caused by the Policyholder (the person whose liability is insured under the Contract) exceeds the Insurer's liability sublimit established by the contract terms, the insurance compensation is paid in proportion to the amount of damage caused to each injured third party relative to the total amount of damage caused.

9.21. Only direct damages caused to the Policyholder's property interests as a result of an insurance event are subject to insurance compensation, and any indirect damages or expenses, such as lost profits, moral damage, fines, penalties, other penalties, rent expenses, business trips, hotel accommodation, etc., are not included.

Refusal to pay insurance compensation.

The product is not offered together with a related and/or additional product, work, or service that is not insurance as part of one package or contract.

No discounts are provided for the product.

No promotional offers are available.