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 - 480,000 UAH

Maximum insurance sum - 480,000 UAH

Minimum insurance payment - 180 UAH

Maximum insurance rate - 15,000 UAH

Unconditional deductible

Minimum deductible - 0 UAH

Maximum deductible - 3,200 UAH

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. According to the Law "On Compulsory Insurance of Civil Liability of Owners of Land Vehicles (OSAGO)," the Insurer does not compensate for:

- Damage caused during the operation of the insured vehicle, but for which no civil liability arises according to the law;

- Damage caused to the insured vehicle that caused the traffic accident;

- Damage caused to property located in the insured vehicle that caused the traffic accident;

- Damage caused during the use of the insured vehicle during a training trip or for participation in official competitions;

- Damage directly or indirectly caused or contributed to by ionizing radiation, radioactive contamination, radioactive, toxic, explosive, or otherwise dangerous properties of any explosive nuclear compound or its nuclear component;

- Damage related to the loss of market value of the vehicle;

- Damage caused by damage or destruction as a result of a traffic 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;

- Damage caused by a traffic accident if it occurred due to mass disturbances and group violations of public order, military conflicts, terrorist acts, natural disasters, ammunition explosions, vehicle fires unrelated to this accident;

- Damage caused to the life and health of the driver of the insured vehicle who caused the traffic accident.

Up to 160,000 UAH per injured party for damage caused to the property of the injured

Up to 320,000 UAH per injured party for damage caused to the life and health of the injured.

9.1. In the event of an insurance event, the Insurer, within the insurance sums specified in the insurance policy, compensates the assessed damage caused by a traffic accident to the life, health, and property of the third party in the manner established by the Law "On OSAGO."

9.2. According to the Law "On OSAGO," the Insurer compensates only for damage caused to the property of legal entities.

9.3. Damage caused to the life and health of the injured party as a result of a traffic accident includes:

- Damage related to the treatment of the injured;

- Damage related to the temporary loss of working capacity by the injured;

- Damage related to the permanent loss of working capacity by the injured;

- Moral damage consisting of physical pain and suffering experienced by the injured individual due to injury or other health damage;

- Damage related to the death of the injured.

9.4. Compensation for damage related to the treatment of the injured (treatment):

9.4.1. In connection with the treatment of the injured, reasonable expenses related to the delivery, placement, maintenance, diagnosis, treatment, prosthetics, and rehabilitation of the injured in the relevant healthcare facility, medical care, home treatment, and the purchase of medicines are compensated.

9.4.2. Expenses related to the treatment of the injured in a foreign state are compensated if the treatment was agreed upon with the person responsible for insurance compensation - the Insurer. The expenses mentioned in this clause and the necessity of their implementation must be documented by the relevant healthcare facility.

9.4.3. The minimum amount of insurance compensation for damage related to the treatment of the injured is 1/30 of the minimum wage per month, established by law on the date of the insurance event, for each day of treatment confirmed by the relevant healthcare facility, but not more than 120 days.

9.4.4. If documents confirming the amount of treatment expenses are not provided to the Insurer, or their documented amount is less than the minimum amount, the Insurer compensates in the minimum amount.

9.5. Damage related to the temporary loss of working capacity by the injured (temporary loss of working capacity):

9.5.1. In connection with the temporary loss of working capacity by the injured, compensation is made for lost income for the time of loss of working capacity confirmed by the relevant healthcare facility. The income of the injured is assessed in the following amounts:

9.5.2. For a working individual (person working under an employment contract) - the lost average salary, calculated according to the labor legislation of Ukraine;

9.5.3. For a self-employed person - lost income calculated as the difference between the income for the previous calendar year (before the traffic accident) and the income received in the calendar year when the person was temporarily incapacitated;

9.5.4. For an unemployed adult - assistance in an amount not less than the minimum wage established by current legislation.

9.5.5. If the person was in the specified status for less than the specified calculation periods, the average monthly income is considered based on the total income of the person for the previous calendar year before the insurance event and the income during the actual term (full months) of the person's stay in the specified status.

9.6. Damage related to the permanent loss of working capacity by the injured (permanent loss of working capacity):

9.6.1. Damage related to the permanent loss of working capacity by the injured as a result of a traffic accident is compensated in amounts determined according to the Civil Code of Ukraine.

9.6.2. The minimum amount of insurance compensation for damage related to the permanent loss of working capacity by the injured as a result of a traffic accident is:

9.6.3. In case of establishing Group I disability - 36 minimum wages per month, established by law on the date of the insurance event;

9.6.4. In case of establishing Group II disability - 18 minimum wages per month, established by law on the date of the insurance event;

9.6.5. In case of establishing Group III disability - 12 minimum wages per month, established by law on the date of the insurance event;

9.6.6. In case of recognizing a minor (underage) person as a disabled child - 18 minimum wages per month, established by law on the date of the insurance event.

9.6.7. If documents confirming the amount of damage related to the permanent loss of working capacity by the injured are not provided to the Insurer, or this amount is less than the minimum, the Insurer compensates in the minimum amount.

9.7. Compensation for moral damage caused to the injured (moral damage for health damage):

9.7.1. The Insurer compensates the injured individual who suffered health damage during the traffic accident for moral damage in the amount of 5% of the insurance payment for damage caused to health.

9.8. Damage related to the death of the injured (death):

9.8.1. Insurance compensation is paid if the death of the injured person due to a traffic accident occurred within one year after the traffic accident and is a direct consequence of this traffic accident.

9.8.2. The Insurer compensates the damage caused by the death of the injured person on the conditions established by Article 1200 of the Civil Code of Ukraine, to each person entitled to such compensation, in equal parts. The total amount of insurance compensation to the dependents of one deceased person cannot be less than 36 minimum wages per month, established by law on the date of the insurance event.

9.8.3. The Insurer compensates moral damage caused by the death of a physical person to their spouse, parents (ad

optive parents), and children (adopted). The total amount of such insurance compensation to these persons for one deceased person is 12 minimum wages per month, established by law on the date of the insurance event, and is paid in equal parts.

9.8.4. The Insurer compensates the person who incurred funeral expenses and the erection of a tombstone, provided that the Insurer is presented with documents confirming these expenses and the original death certificate. The total amount of such compensation for one deceased person cannot exceed 12 minimum wages per month, established by law on the date of the insurance event. Compensation for damage related to the death of the injured may be paid as a lump sum. The total amount of all insurance compensations for damage caused to the life and health of one person cannot exceed the insurance sum for such damage.

9.9. Damage caused to property (property):

9.9.1. Damage caused by a traffic accident to the property of the injured party is damage related to:

- Damage or physical destruction of the vehicle;

- Damage or physical destruction of roads, road structures, traffic control devices;

- Damage or physical destruction of the injured party's property;

- Conducting necessary works for the rescue of the injured as a result of the traffic accident;

- Damage to the vehicle used to transport the injured to the relevant healthcare facility or contamination of the interior of this vehicle;

- Evacuation of vehicles from the traffic accident scene.

9.9.2. Damage related to vehicle damage (vehicle damage):

In connection with vehicle damage, expenses related to the vehicle's restoration repair considering depreciation calculated in the manner established by law are reimbursed, including expenses for the elimination of damages intentionally caused to rescue the injured due to a traffic accident, for the evacuation of the vehicle from the traffic accident scene to the residence of the owner or lawful user of the vehicle who was driving the vehicle at the time of the traffic accident, or to the repair site within Ukraine. If the vehicle needs to be parked for valid reasons, the damage amount is also increased by the expenses for the vehicle's evacuation to the parking lot and the parking fee.

9.9.3. Damage related to the physical destruction of the vehicle (physical destruction of the vehicle):

A vehicle is considered physically destroyed if its repair is technically impossible or economically unreasonable. Repair is considered economically unreasonable if, according to the report (act) or assessment conclusion prepared by the appraiser or expert according to the law, the expenses for the vehicle's restoration repair exceed the vehicle's value before the traffic accident.

If the vehicle is considered destroyed, the owner is compensated for the difference between the vehicle's value before and after the traffic accident and the expenses for the vehicle's evacuation from the traffic accident scene.

9.9.4. Damage related to the damage or physical destruction of the road, road structures, and other material assets (other):

The amount of damage related to the damage or physical destruction of the road, road structures, and other material assets is determined based on the report, act, or assessment conclusion prepared by the appraiser or expert according to the law.

If the compensation for expenses for the restoration repair of damaged property (vehicle) considering depreciation is made directly to the account of the injured person (their representative), the amount corresponding to the assessed damage is reduced by the amount of the value-added tax determined according to the law. At the same time, additional payment in the amount not exceeding the tax sum is made provided that the Insurer receives documentary confirmation of the payment of the repair costs. If, due to the lack of documents confirming the amount of declared damage, the Insurer cannot assess its total amount, the insurance compensation is paid in the amount of damage assessed by the Insurer. The Insurer has the right to make payments without conducting an expert evaluation (including by transferring funds to persons providing services for repairing damaged property) if, based on the inspection of the damaged property conducted by the Insurer, the Insurer and the injured party agree on the amount and method of making insurance compensation and do not insist on conducting an assessment or expert evaluation of the damaged property.

If several persons are responsible for indivisible damage caused by interconnected, joint actions, the amount of insurance compensation for each of these persons is determined by dividing the amount of damage by the number of such persons.

9.10. Conditions for making insurance payments.

9.10.1. The Insurer, guided by the provisions of the Law "On OSAGO," makes a reasoned decision on making insurance compensation or refusing insurance compensation. The decision on making insurance compensation is made in connection with the recognition of the applicant's property claims or based on a court decision if the dispute over making insurance compensation was considered in court. If the amount of damage exceeds the insurance sum, the amount of insurance compensation for such damage is limited to the specified insurance sum.

9.10.2. In the case of documenting a traffic accident without the participation of authorized National Police officers ("European Protocol"), the amount of insurance compensation for damage caused to the property of the injured cannot exceed the maximum amounts approved by the Authorized Body upon submission by the Motor Transport Insurance Bureau of Ukraine (MTIBU).

9.10.3. The Insurer, within 15 days from the date of agreeing with the person entitled to compensation on the amount of insurance compensation, provided that all necessary documents according to the Law "On OSAGO" and the notification of the traffic accident are available, but no later than 90 days from the date of receiving the insurance compensation claim, must:

9.10.4. In case of recognizing the applicant's claims as justified - decide on making insurance compensation (regulatory payment) and pay it;

9.10.5. In case of not recognizing the applicant's property claims or for reasons constituting a refusal to pay or an exclusion from insurance cases according to the Law "On OSAGO" - make a reasoned decision to refuse insurance compensation.

9.10.6. If the traffic accident is considered in a civil, commercial, or criminal case, the period for making this decision is suspended until the Insurer becomes aware of the entry into force of the decision in such a case.

9.10.7. If the insurance compensation claim or other documents necessary for making a decision on insurance compensation are submitted with a delay established according to the Law "On OSAGO," the period for making a decision on insurance compensation and its payment is extended by the number of days of such delay.

9.10.8. Within 3 working days from the date of the relevant decision, the Insurer must send the applicant a written notification of the decision.

9.10.9. If a traffic accident involves several vehicles connected to each other (as part of one vehicle train or during towing using rigid coupling or with partial loading of the towed vehicle onto a platform or special support device), the insurance compensation is paid by the Insurer who concluded the compulsory civil liability insurance contract regarding the tractor unit, and if this tractor unit is uninsured, the regulatory payment is made by the MTIBU.

9.10.10. Insurance compensation is paid directly to the injured party (another person entitled to compensation) or agreed persons providing services for repairing damaged property, paying insurance compensation under a property insurance contract, treating injured persons, and other services related to damage compensation.

9.10.11. The Insurer compensates the expenses of the Policyholder or the person whose liability is insured, or whose liability is insured by a foreign insurance company according to the conditions of the International Motor Insurance System "Green Card," provided that such expenses are made with the Insurer's consent. Compensation may be fully or partially denied if such expenses were made without prior agreement with the Insurer.

9.10.12. Insurance compensation is paid by non-cash settlement.

9.10.13. The Insurer's decision to make or refuse insurance compensation can be appealed by the Policyholder or the person entitled to compensation in court.

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.

Discounts for the product are provided in accordance with current Ukrainian legislation.

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