Liability of the Insured for damage caused to the life and/or health of injured third parties or their property as a result of the Insured's possession, use, or disposal of a weapon.

The Insured's liability for damage caused to injured third parties and/or their property as a result of the Insured's actions or inactions directly related to the possession, use, or disposal of a weapon, including ammunition.

Coverage limitations – none.

Minimum insurance sum – 41,000 UAH

Maximum insurance sum – 62,000 UAH

Minimum insurance premium – 51 UAH

Maximum insurance premium – 100 UAH

The deductible under the contract is unconditional, does not apply to damage caused to the life and health of third parties, and amounts to 5% of the liability limit for damage caused to the property of injured parties.

Territory of coverage - Ukraine (excluding active combat zones and temporarily occupied territories by the Russian Federation, as defined by the Order of the Ministry for the Reintegration of the Temporarily Occupied Territories No. 309 of December 22, 2022, "On Approval of the List of Territories Where Hostilities Are Ongoing or Temporarily Occupied by the Russian Federation" or any amendments to it, as well as within 50 km of such territories), combat zones, areas of civil unrest, and territories with special entry/exit regimes.

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 premium on the insurer's current account.

Extension of the contract is not possible.

7.1. Events/damage/losses directly or indirectly related to the following are not recognized as insured events, and no insurance payment will be made:

7.1.1. Use of nuclear weapons, nuclear incidents, explosions, radiation or radioactive contamination, exposure to penetrating radiation, radioactive contamination from any nuclear fuel or waste from burning nuclear fuel, ionizing radiation, or radioactive contamination.

7.1.2. Any military actions, maneuvers, or other military measures; invasion, actions of foreign states (with or without a declaration of war), military/armed conflicts, actions of illegal armed groups, sabotage, overthrow/seizure of power or attempts at such actions, infringement on territorial integrity, looting, aggression of another state or measures to overcome it, invasion by foreign troops or unauthorized crossing of the border by foreign troops, or any other actions motivated by political, economic, or social reasons.

7.1.3. Actions of mines, torpedoes, bombs, grenades, shells, other combat munitions, or weapons of war; actions of any explosive substances or devices used to damage or destroy property and/or harm the health or life of people.

7.1.4. Any pollution or contamination by chemical, poisonous, or biological substances.

7.1.5. Civil war, civil unrest, terrorist acts, terrorist or counter-terrorist activities, street unrest, mass disturbances, or strikes, insurrections, lockouts, uprisings, revolutions, usurpation of power, vigilantism, civil disturbances, martial law, or state of emergency; strikes, coups d'état, acts of terrorism, military dictatorship.

7.1.6. Seizure, forced seizure, mobilization, requisition, arrest, confiscation, nationalization, requisition, any actions under orders or decisions of state authorities, and other similar political measures carried out by order of military or civil authorities and political organizations in the Insured's country, or by order of the existing de jure and de facto government or any authority, or at the request of military or civil authorities.

7.2. Grounds for denial of insurance payments by the Insurer:

7.2.1. Intentional actions of the Insured or the person in whose favor the contract is concluded aimed at causing an insured event, except for actions taken in a state of extreme necessity or self-defense, or in cases defined by law or international customs;

7.2.2. Committing by the Insured or the person in whose favor the contract is concluded an intentional criminal offense that resulted in the occurrence of the insured event;

7.2.3. Submission by the Insured of false information about the object of insurance, circumstances significant for the assessment of the insurance risk, or about the occurrence of the insured event;

7.2.4. The Insured's receipt of full compensation for the loss from the person who caused it. If the damage is partially compensated, the insurance payment is made with the deduction of the amount received from the specified person as compensation for the damage;

7.2.5. Late notification by the Insured of the occurrence of an insured event without valid reasons or failure to fulfill other obligations under the contract, if this led to the Insurer's inability to establish the fact, causes, and circumstances of the occurrence of the insured event or the amount of damage (loss) caused.

7.2.6. The presence of the following facts:

7.2.6.1. The Insured has previously been held liable for violating the rules of handling weapons and/or public order;

7.2.6.2. The Insured has an unexpired or unexpunged criminal record for particularly serious crimes, serious crimes, and medium-gravity crimes;

7.2.6.3. The existence of a court decision that has entered into legal force, depriving the Insured of the right to own a weapon permanently;

7.2.6.4. The Insured has not reached the required age for owning a weapon, established by the current legislation of Ukraine;

7.2.6.5. The Insured does not have a permanent place of residence;

7.2.6.6. The Insured does not have the necessary conditions (defined by the current legislation of Ukraine) to ensure the storage of the weapon.

7.2.7. The Insured creates obstacles in determining the circumstances of the insured event, the nature, and amount of damage (expenses).

7.2.8. The Insured fails to fulfill their obligations under the contract.

7.2.9. The Insured fails to comply with or improperly performs the Insurer's instructions on legal and pre-trial protection or refuses the legal and pre-trial protection offered by the Insurer.

7.2.10. Failure to provide the Insurer with properly executed documents confirming the fact of the occurrence of the insured event, the amount of damage, and other documents.

7.2.11. The absence of a direct connection between the occurrence of the damage and the use of the weapon by the Insured.

7.2.12. Waiver of the right of recourse against the person responsible for the damage (other than the Insured) or if the realization of this right became impossible due to the fault of the Insured.

7.2.13. The presence of circumstances that are exclusions from insurance events and limitations of insurance, provided by this section.

7.2.14. Other cases provided by the contract and/or current legislation of Ukraine.

7.3. Losses not covered by the contract include:

7.3.1. Possession, use, disposal, storage by the Insured/members of their families of explosive devices, flammable/explosive/poisonous objects, materials, substances, except for weapons and ammunition, and/or the following weapons, including ammunition:

7.3.1.1. Homemade, artisanal, and modified (specially adapted) weapons;

7.3.1.2. Portable anti-aircraft, anti-tank missile systems;

7.3.1.3. Automatic firearms, handheld and mounted machine guns, large-caliber machine guns, handheld and automatic grenade launchers;

7.3.1.4. Grenades, mines, rockets, bombs;

7.3.1.5. Artillery weapons (cannons, howitzers, mortars, etc.);

7.3.1.6. Self-propelled artillery installations;

7.3.1.7. Multiple launch rocket systems;

7.3.1.8. Heavy weapons and equipment: combat modules (machine gun installations, automatic mortars, and grenade launchers, automatic cannons, etc.), unmanned ground vehicles, armored personnel carriers, tanks, infantry fighting vehicles, etc.;

7.3.1.9. Missile complexes: anti-aircraft complexes and weapons, anti-ship missiles;

7.3.1.10. Aviation equipment and weapons: military aircraft, helicopters, unmanned aviation complexes, aviation weapons;

7.3.1.11. Naval weapons: combat ships, landing ships and vessels, patrol ships, ship and coastal weapon systems.

7.3.2. Use of weapons that were tools or objects of a crime or were in a technical condition that did not allow their intended use, or were prohibited for civilian circulation.

7.3.3. Any event that occurred:

7.3.3.1. Outside the specified territory of coverage;

7.3.3.2. Before the contract's start date but discovered after it, and if the damage occurred after the expiration of the contract.

7.3.4. Circumstances that the Insured knew or should have known about but did not take all possible measures to prevent the occurrence of the insured event.

7.3.5. Use of weapons for purposes other than those for which they are intended.

7.3.6. Use of weapons in business activities, arms trade, and/or ammunition.

7.3.7. Actions or inactions of the Insured committed while under the influence of alcohol, drugs, or toxic substances.

7.3.8. Violation of the rules and norms established by the current legislation of Ukraine for the possession, use, disposal, storage of weapons, ammunition, or other mandatory norms related to weapons, the violation of which caused the occurrence of the insured event.

7.3.9. The presence of defects (deficiencies), internal damages of the weapon that existed at the time of the contract and were known or should have been known to the Insured.

7.3.10. Errors in the design, creation of the weapon, or defects (deficiencies) of materials from which the weapon was made.

7.3.11. Operation of weapons in an unserviceable condition.

7.3.12. Repair, restoration, tuning of weapons.

7.3.13. Event not stipulated in the contract as an insured event.

7.3.14. Unauthorized modification of weapons.

7.3.15. Possession, use, disposal of weapons without valid permits for the weapon (for acquisition, carrying, and storage) by the Insured.

7.3.16. Transportation of loaded weapons in vehicles.

7.3.17. Explosion, rupture of bullets or cartridges that were manufactured/assembled by the Insured/members of their family.

7.3.18. Participation in paintball and airsoft competitions, shooting competitions.

7.3.19. Negligence (criminal unlawful self-confidence) of the Insured, their family, if the mentioned persons foresaw the possibility of socially dangerous consequences of their actions (action or inaction), but recklessly relied on their prevention.

7.3.20. Harm to the life, health, and/or property of persons who are in an employment relationship with the Insured or are members of their family.

7.4. The Insurer does not compensate for:

7.4.1. Any indirect damages, lost (unreceived) income (including interest, penalties), payment of fines, penalties, and other sanctions, etc.

7.4.2. Moral damage, damage to business reputation; damage/loss not documented.

7.4.3. Damage to the natural environment.

7.4.4. Losses/claims/lawsuits and demands known to the Insured before the contract started but not reported to the Insurer.

7.4.5. Any losses incurred by the Insured or injured third parties as a result of loss, damage, or destruction of information, codes, programs, or software, loss of access to data, malfunction of computer equipment, software, or embedded chips.

7.5. The Insurer has the right to refuse insurance payment for the following reasons:

7.5.1. If, as a result of investigating the circumstances of the event, the Insurer concludes that the extent and nature of the damage/loss do not correspond to the causes and circumstances of the declared event.

7.5.2. Use of smoothbore hunting weapons and traumatic weapons by persons under the age of 21;

7.5.3. Use of rifled hunting weapons by persons under the age of 25;

7.5.4. If the Insured provided false information under the contract about the circumstances of the event that may be recognized as insured, or other circumstances that may affect the degree of risk under the contract, investigation of the insured event, and the amount of insurance payment;

7.5.5. If the Insured failed to provide the necessary package of documents within the time frame specified in the contract.

7.6. Insurance events do not include and insurance payments are not made for:

7.6.1. Claims for compensation for damage/loss caused to the Insured;

7.6.2. Claims related to the provision of any service of a production, professional, official nature by the Insured/members of their family, as well as any paid activity or activity for monetary compensation;

7.6.3. Losses related to the production, sale, use, or storage of any pyrotechnic devices, including the organization of fireworks, explosives, toxic substances, gases, and other explosive substances;

7.6.4. Claims related to the infection of third parties with any diseases as a result of possession, use, or disposal of weapons;

7.6.5. Claims related to compensation for damage caused to the property of injured third parties, taken by the Insured or members of their family for rent, lease, pledge, rental, storage;

7.6.6. Losses of persons dependent on the injured third party in connection with the loss of the breadwinner (their death);

7.6.7. Any financial losses not related to damage caused to the life, health, and/or property of injured third parties (pure financial loss).

Life and health: 11,000 UAH and 22,000 UAH;

Injured property: 30,000 UAH and 40,000 UAH.

9.1. The amount of the insurance payment is determined as follows:

9.1.1. The amount of the insurance payment for one and each injured person for damage (loss) caused to the life, health, working capacity, and/or property of the injured third party due to the occurrence of the insured event cannot exceed the Insurer's liability limit and is determined as follows:

9.1.1.1. In the event of damage to the life and health of injured third parties as a result of the insured event, the insurance payment is made by a court decision that has entered into legal force (in case the case is considered in court) in the amount of satisfied claims of the third party, but not more than:

a) In case of temporary loss of working capacity – 0.2% of the liability limit for each injured third party for each calendar day of loss of working capacity, but not more than 50% of such a limit;

b) In case of permanent loss of working capacity – as a percentage of the liability limit for each injured third party (payments are made taking into account the previously made insurance payment for this insured event):

- Group I disability – 100%;

- Group II disability – 70% (also 90% when the injured third party is recognized as a "disabled child" (for injured third parties under 18 years old));

- Group III disability – 50%;

c) In case of death – 100% of the liability limit for each injured third party (minus previously made insurance payments for temporary loss of working capacity and the establishment of a disability group, if such payments were made).

9.1.1.2. With the prior written consent of the Insurer, in case of voluntary acknowledgment by the Insured of the claim of the injured third party for damage caused to the latter's property – in the amount of the actual damage, documented and/or determined by agreement between the Insured, the Insurer, and the injured third party, but not more than the insurance sum (liability limit per injured third party) according to the contract. If such an agreement was not reached, the amount of damage is determined by a court decision, but not more than the liability limit per injured third party.

9.1.1.3. The amount of damage caused by the insured event to the property of injured third parties is determined as follows:

a) In case of destruction of property – in the amount of the actual value of the property on the date of damage immediately before the insured event, minus the actual value of the property (parts of the property) after the insured event if it has any value (including, suitable for further use or sale). The actual value of the property is its market value and is determined based on the report of the valuation entity on the property assessment or based on the written agreement between the Insurer, the Insured, and the injured third party.

b) In case of property damage – in the amount of the current cost of restoration expenses, considering the degree, nature of damage, recorded in the relevant inspection report of the damaged property, minus wear and tear, which is determined by the valuation entity (the Insurer has the right not to deduct wear and tear if the amount of damage to injured third parties without considering wear and tear does not exceed 20,000 UAH), but not more than the actual value of the property on the date of damage immediately before the insured event.

9.1.1.4. The amount of restoration expenses may be determined based on: average prices for similar repair (restoration) works, materials, spare parts, components in the given locality or region of repair (restoration) at the time of the insured event or based on the written agreement of the Insurer, the Insured, and the injured third party. The Insurer may order the calculation of the cost of restoration expenses by the valuation entity. In this case, the amount of restoration expenses is determined based on the conclusion (act, report) of the valuation entity.

9.1.1.5. All damage exceeding the insurance sum (for one injured third party - the liability limit) specified in the contract is compensated by the Insured independently.

9.1.2. The amount of wear and tear is determined based on an examination/conclusion/act/report of an expert/valuation entity.

9.1.3. The unconditional deductible is deducted from the insurance payment amount for each insured event for damage to the property of third parties, in the amount of 5% of the Insurer's liability limit, while the deductible for damage to the life and health of third parties equals 0%.

9.1.4. After the insurance payment to the injured third party and the restoration of their damaged property, this person (at the Insurer's request) must allow the Insurer's representative to inspect the restored property, agreeing with them on the time and place of the inspection. Failure to fulfill this condition by the injured third party releases the Insurer from making any further insurance payments for future damage to this property.

9.1.5. If, during the settlement of an event that has the signs of an insured event, it is established that the property of the injured third party has damage acquired before the event, the Insurer has the right to request the injured third party to provide documents confirming the fact and completeness of the restoration of this property before the occurrence of the event that has the signs of an insured event. If the injured third party does not provide the confirming documents, the Insurer has the right to refuse part of the insurance payment in the amount of the cost of parts, materials, and works necessary for the restoration or replacement of the damaged property, which was not properly restored by the injured third party before the insured event and/or for which there is no proper confirmation of its restoration (acts of completed works, settlement documents for payment for such works).

9.1.6. If the damage is caused by several persons, the Insurer makes the insurance payment proportionally to the degree of the Insured's fault, determined according to the current legislation of Ukraine.

9.1.7. If the total amount of damage caused to the life, health, and/or property of several third parties in one insured event exceeds the amount of the insurance sum under the contract, the amount of the insurance payment for each injured third party is proportionally reduced by multiplying the insurance sum by the ratio of the amount of damage caused to a specific injured party to the total amount of damage caused to all injured third parties, unless otherwise agreed in writing between the Insurer and the Insured.

9.1.8. The total amount of insurance payments for each separate insured event related to the insured object, insured under several liability insurance contracts, cannot exceed the actual amount of damage (loss) in the event of an insured event. The insurance payment is made in proportion to the ratio of the insurance sum (liability limit) under a separate insurance contract to the total amount of all insurance sums (liability limits) under all concluded insurance contracts related to the insured object.

9.1.9. The Insurer makes a decision on the insurance payment:

a) to the injured third party (another person who, according to the current legislation of Ukraine, has the right to receive insurance compensation), or

b) to the repair organizations approved by the Insurer and performed the repair of the damaged property, or

c) to the Insured, but only if the latter compensated the damage to the injured third party, which is documented, and subject to the Insured's prior written consent to the amount of compensation for the damage to the injured third party.

9.2. The Insurer makes the insurance payment under the contract based on a written application from the Insured or another person entitled to receive the insurance payment, and the insurance act, drawn up by the Insurer or a person authorized by them in the form determined by the Insurer.

9.3. To make a decision on making or refusing to make an insurance payment, the Insurer makes requests for information related to the occurrence of the insured event to the competent authorities, enterprises, institutions, and organizations that possess information about the circumstances of the occurrence of the insured event:

9.3.1. If the Insurer has reasonable doubts about the accuracy of the information provided by the Insured (injured third party) and the documents confirming the fact, causes, and circumstances of the occurrence of the insured event, as well as the amount of damage caused.

9.3.2. If it is impossible to establish the circumstances, causes of the insured event, and the amount of damage based on the provided documents. In such a case, the Insurer has the right to appoint an independent investigation or examination to determine the circumstances, causes of the insured event, and the amount of damage.

9.4. Within 20 (twenty) working days from the date the Insurer receives all the documents necessary to confirm the fact, causes, circumstances, and consequences of the occurrence of the insured event and determine the amount of damage, as specified in clause 11.1 of this contract, and responses from enterprises, institutions, and organizations possessing information about the circumstances of the insured event, to the Insurer's requests (the countdown of the specified period begins on the day the Insurer receives the last of the listed documents), the Insurer:

9.4.1. Makes a decision on the insurance payment and draws up an insurance act. The insurance payment is made within 5 (five) working days from the date of the insurance act's drawing up.

9.4.2. Makes a reasoned decision to refuse to make a payment and, within 5 (five) working days from the date of such a decision, notifies the Insured in writing with a justification of the reason.

9.5. The Insurer may delay the decision on recognizing the event as an insured event, including making or refusing to make a payment:

• until the day following the day when the Insurer became aware of the entry into legal force of the decision in a civil or criminal case if the dispute regarding the fact, causes, and circumstances of the event and the amount of damage is considered by the court;
• until the day following the day when the Insurer became aware of the results of the investigation's completion by the competent authorities, if the event was investigated by the competent authorities;

• until the day following the day when the Insurer became aware of the closure of criminal proceedings or suspension of the pre-trial investigation, if criminal proceedings were initiated regarding the event or against the Insured.

9.6. In the event of disputes between the Parties about the fact, circumstances, and causes of the insured event and the amount of damage/loss, each of the Parties has the right to order an examination/expert research/expert evaluation/act (conclusion) of the valuation entity/expert (hereinafter – examination). The examination is conducted at the expense of the Party that ordered it. If the examination results determine that the Insurer's refusal to make the insurance payment (part of the payment) was unreasonable, the Insurer covers part of the examination costs corresponding to the ratio of the amount of the denied payment and the amount of compensation paid after the examination.

9.7. In the event of an insured event, the Insurer compensates for the amount of direct damage suffered by the Insured/injured third party due to the occurrence of the insured event.

9.8. The amount of the insurance payment cannot exceed the insurance sum and the Insurer's liability limit set for one injured third party.

9.9. In the event of an insurance payment, the Insurer's obligations (maximum amount of insurance payment, which at the time of concluding the contract equals the corresponding insurance sum/liability limit of the Insurer) are reduced by the amount paid.

9.10. If an insurance payment is made to the Insured (injured third party), from the date of the insured event for which the payment was made, the Insurer's obligations under the contract are only within the difference between the insurance sum and the amount paid to the Insured (injured third party).

9.11. If, besides the Insured, there are other persons responsible for the occurrence of the insured event, the Insured or the person who received the insurance payment is obliged to transfer to the Insurer all the documents and evidence they have and to perform actions necessary for the Insurer to exercise the right of recourse against this person.

If the insurance payment has already been made and the exercise of the right of recourse against the guilty person became impossible due to the fault of the Insured, the Insurer has the right to demand the return of the paid amount from the Insured within 10 (ten) working days from the date of receipt by the Insured or another person who received the insurance payment of the Insurer's statement (other relevant notice) on this matter.

9.12. The Insurer makes the

 insurance payment to the Insured/injured third party if such payments are not prohibited or restricted by the current legislation of Ukraine (laws, bylaws, resolutions of the National Bank of Ukraine, other normative-legal acts).

9.13. The date of the insurance payment is the date of debiting the funds from the Insurer's account.

9.14. If circumstances are discovered after the insurance payment has been made that fully or partially deprive the recipient of the insurance payment of the right to receive it, or led to an increase in the amount of the insurance payment, the recipient of the insurance payment is obliged to return the received insurance payment to the Insurer within 10 (ten) working days from the date of establishing such circumstances or receiving a demand from the Insurer.

Denial of insurance compensation payment.

The product is not offered together with a related and/or additional product, service, or non-insurance item as part of a package or contract.

No discounts on the product. 

No promotional offers.