The vehicle specified in the insurance contract.

Damage, destruction, and/or loss of the insured vehicle (hereinafter referred to as the "Insured Vehicle") in whole or in part, or insured parts due to a traffic accident (hereinafter referred to as "Traffic Accident") resulting from a collision (contact) between the insured vehicle and other vehicles involved in the traffic accident.

Coverage Limitation: Only passenger vehicles are accepted for insurance.

Minimum insurance sum: 50,000 UAH

Maximum insurance sum: 150,000 UAH

Minimum insurance premium: 4,500 UAH

Maximum insurance premium: 8,100 UAH

Conditional deductible

Minimum deductible amount: 2,000 UAH

Maximum deductible amount: 2,000 UAH

Territory: Ukraine (excluding active combat zones and temporarily occupied territories by the Russian Federation, as defined by the Order of the Ministry of Reintegration of Temporarily Occupied Territories No. 309 dated December 22, 2022, "On the Approval of the List of Territories Where Combat Operations Are Taking Place (Have Taken Place) or Temporarily Occupied by the Russian Federation" or any amendments thereto, as well as within 50 km of these territories). The coverage also excludes areas with military operations, civil unrest, and areas with a special entry/exit regime. At the Insured’s request, the coverage territory can be extended to the member countries of the international "Green Card" system (excluding the Russian Federation and Belarus).

Duration: The contract is concluded for a term of up to 1 year.

The contract becomes effective from the date specified in the contract but not earlier than the receipt of the insurance premium into the insurer's current account.

The contract cannot be extended.

7.1. Events that are not insurance cases: 

7.1.1. Destruction (damage) of the vehicle during its transportation by any means.

7.1.2. Destruction (damage) of the vehicle during towing by another vehicle or towing another vehicle by the insured vehicle.

7.1.3. Damage to the vehicle of an operational nature, i.e., incurred during the vehicle's operation (bituminous spots, chips, paint damage on external parts of the vehicle, local pigmentation due to contact with foreign objects, etc.).

7.1.4. Damage incurred during the transportation of cargo by the insured vehicle that exceeded the maximum permissible size or weight specified in the technical specifications provided by the vehicle manufacturer.

7.1.5. Damage incurred during the transportation of passengers by the insured vehicle that exceeded the maximum permissible number of passengers specified in the technical specifications provided by the vehicle manufacturer.

7.1.6. Damage caused by:

Violation of safety rules during the repair or maintenance of the insured vehicle, or its technical operation;

Violation of Article 31 of the Road Traffic Rules concerning the technical condition of the vehicle;

Military actions or measures involving destruction or damage by mines, torpedoes, bombs, machine guns, grenades, other weapons, combat vehicles, tanks, military and other formations, individual combatants, soldiers, and other war instruments, including if such actions and measures took place during antiterrorist operations, civil war, occupation, annexation, and other military actions;

Nuclear reaction, ionizing radiation, bacteriological, chemical, or radioactive contamination;

Use of the vehicle in sports competitions or for training driving (unless such use is provided for in the Contract).

7.2. The insurance indemnity does not include the cost of: 

7.2.1. Repairs not related to the elimination of damage caused by the insured event (including painting adjacent, undamaged parts of the vehicle).

7.2.2. Technical maintenance and warranty repairs of the vehicle.

7.2.3. Work related to the reconstruction or reequipment of the vehicle, repairs, or replacement of parts due to wear or technical defects.

7.2.4. Painting the entire vehicle if its repair requires the painting of separate areas.

7.2.5. Parts that are technically suitable for further use without repair.

7.2.6. Complete assemblies and units, as well as work to replace them, in the absence of spare parts necessary for the replacement of individual damaged parts of these assemblies and units at the repair facility.

7.2.7. Fuel, lubricants, detergents, and filters, as well as process fluids.

7.2.9. License plates of the insured vehicle.

7.2.10. The Insurer does not cover the price difference for repair work and spare parts to be replaced in the event of their increase from the date of the event that has the characteristics of an insured event to the moment of insurance indemnity payment.

7.2.11. The Insurer does not compensate for indirect losses caused by the insured event (loss of market value, moral damage, lost profit, downtime, production interruptions, fines, lost benefits, inflationary losses, annual interest, etc.).

Not applicable.

9.1. Insurance indemnity is paid by the Insurer according to the terms of the Contract, based on a written application from the Insured (their successor/heir, Beneficiary, or person with properly documented authorization from the Insured), and the insurance act prepared by the Insurer.

9.2. Insurance indemnity is paid by the Insurer by transferring funds to the bank account of the Insured/Beneficiary (their successor/heir, or person with properly documented authorization from the Insured), specified in the indemnity application.

9.3. Insurance indemnity is paid in the currency of Ukraine.

9.4. The amount of insurance indemnity is determined based on the amount of direct losses incurred by the Insured as a result of the insured event, based on the inspection of the damaged insured vehicle and the documents specified in Section 5 of the Contract. In any case, the amount of insurance indemnity cannot exceed the insurance amount specified in this Contract, as well as the amount of direct losses incurred by the Insured as a result of the insured event.

9.5. The amount of direct losses is determined by the Insurer based on the Audatex calculation prepared by the Insurer, taking into account the operational wear and tear of parts, assemblies, and units of the insured vehicle. When preparing the calculation, the Insurer uses the average market prices for parts and work in the region of the insured vehicle's registration on the date of the insured event.

9.6. The insurance indemnity includes the expenses paid by the Insured, agreed upon with the Insurer, and documented, for obtaining the necessary certificates about the circumstances of the insured event, photographing the damaged insured vehicle, sending information via telegram, fax within Ukraine – within such actual expenses.

9.7. Direct losses include:

a) The cost of components of the insured vehicle (parts, assemblies, units, etc.) that require replacement;

b) The cost of work to carry out the recovery repair;

c) The cost of materials necessary for the recovery repair;

d) Expenses related to the elimination of hidden damage caused by the insured event, detected during the repair and documented. In the event of detecting hidden damage, the Insured is obliged to notify the Insurer before their elimination to conduct an additional inspection of the insured vehicle and prepare an additional inspection report (defect sheet, act). Otherwise, the Insurer does not cover the expenses related to the elimination of hidden damage.

9.7.1. The cost of new parts and labor to replace them is included in the calculation of the insurance indemnity amount provided that they cannot be restored to a condition suitable for further use through repair, or the cost of such repair exceeds the total cost of such parts and labor for their replacement.

9.8. Direct losses do not include the following expenses:

a) The cost of technical maintenance and warranty repairs of the insured vehicle;

b) The cost of work, components, and materials related to the reconstruction or reequipment of the insured vehicle, repairs, or replacement of individual parts, details, and equipment due to wear, technical defects, and others;

c) The cost of complete assemblies, units, and work to replace them if, according to the vehicle manufacturer's repair technology, separate parts are to be replaced or repaired (including cases where the repair facility refuses to replace a separate part and insists on replacing the entire assembly or unit, citing the lack of necessary equipment, specialists, etc.);

d) The cost of replaced components of the insured vehicle if they can be restored through repair (brought to a condition suitable for further use), as confirmed by the Specialized Service Station and/or provided for in the manufacturer's technology;

e) Expenses for unjustified recovery repair work, for example, painting the entire body instead of painting individual parts or units, except in cases where the painting of the entire insured vehicle was agreed upon by the Insurer, or others;

f) The cost of recovery work outside of regular hours;

g) Additional payment for the urgency of recovery work and expedited delivery of components of the insured vehicle or materials;

h) The cost of painting adjacent components (color matching), except where such painting is provided for by the vehicle manufacturer's technology;

i) The cost of preparing a defect sheet (estimate, invoice) by Service Station employees;

j) The cost of fuel.

9.9. Instead of paying insurance indemnity, the Insurer has the right to provide the Insured with parts and/or components that, by wear and quality, must be no worse than those that were damaged.

9.10. In certain cases (e.g., when compensating for expenses related to the elimination of hidden damage caused by the insured event, detected during repair), by agreement of the Parties to the Contract, insurance indemnity may be paid in installments (in several stages) under the conditions specified in the Insurance Act, namely: the first installment – based on the compensation of damages, the amount of which is determined at the time of preparing the Insurance Act, the next installment – based on the final amount of damages, documented by a separate Insurance Act.

9.11. The amount of insurance indemnity in the event of the total (constructive) loss of the vehicle equals the actual value of the vehicle at the time of the insured event, minus the value of the remains suitable for further use, but not exceeding the liability limit of the Insurer on the date of the insured event.

9.12. The value of the remains suitable for further use is determined by written agreement of the Insured with the Insurer's proposal or by conducting an online auction via AutoOnline (http://www.autoonline.ua) or based on the conclusion of a goods expertise.

9.13. If the insured vehicle's driver is partially at fault for the RTA, the insurance indemnity is paid in the amount of 50% of the direct damages within the remaining insurance amount under the Contract on the date of the insured event.

Refusal to pay insurance indemnity.

The product is not offered together with an accompanying and/or additional product, service, or work that is not insurancerelated, as part of a single package or contract.

No discounts on the product.

No promotional offers.