OSAGO

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

The occurrence of civil liability of the Policyholder/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 road traffic accident involving the insured vehicle.

Insurance limitations — none.

For property damage — up to 250,000 UAH per victim.

For life and health damage — up to 500,000 UAH per victim.

If the total amount of damages for one insured event exceeds five times the insurance amount, compensation for each victim is reduced proportionally.

The minimum and maximum insurance payments are determined by the insurance company and depend on the type of vehicle, its engine volume, cargo capacity (for trucks), the city where the vehicle owner is registered, etc.

Not applicable.

Coverage territory — Ukraine (excluding active combat zones and territories temporarily occupied by the Russian Federation, as defined by the Order of the Ministry for Reintegration of Temporarily Occupied Territories No. 309 dated December 22, 2022 "On Approval of the List of Territories Where Hostilities Are (Were) Conducted or Temporarily Occupied by the Russian Federation" or any amendments thereto, as well as within 50 km of these territories), combat zones, civil unrest zones, and territories subject to special access control regimes (entry/stay/exit restrictions).

The contract is concluded for 6 months or 1 year for vehicles permanently registered in Ukraine, and for a term of 15 days to 7 months for vehicles temporarily registered in Ukraine or permanently registered outside Ukraine.

The contract takes effect from the date specified in the contract, but no earlier than the receipt of the insurance payment to the Insurer's current account.

Extension of the contract term is not possible.

Refusal to pay insurance compensation.

The product is not offered together with any accompanying and/or additional good, work or service that is not insurance, as a component of a single package or contract

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

a) Information about the insured vehicle (type, make, model, registration number, year of manufacture, VIN, engine volume, power for electric vehicles, gross weight, curb weight, number of seats including driver's seat, information that the vehicle is registered in Ukraine);

b) Information about the Policyholder (surname, first name, patronymic (if applicable), name of the Policyholder, date of birth, RNOKPP (or, if absent, passport series and number — for individuals), USREOU code, identity document of the Policyholder-individual, place of residence/location, Policyholder type, indication that the Policyholder is a Ukrainian resident, phone number and email address, information about the Policyholder's privileges provided under applicable legislation, with provision upon the Insurer's request of a document confirming the Policyholder's right to receive the privilege;

c) Additional information material to insurance risk assessment:

— the scope of use of the insured vehicle, whether it can be used for paid passenger and/or cargo transportation services;

— place of registration (residence) of the owner of the insured vehicle (individual) or location of the legal entity according to the vehicle registration document;

— age of persons who may drive the insured vehicle;

— year of birth of the individual who owns the insured vehicle;

— odometer reading at the date of conclusion of the Contract;

— maximum mileage of the insured vehicle during the term of the Contract.

d) Desired term of the insurance contract and desired start date of insurance coverage;

e) Loss history with information about road traffic accidents involving the insured vehicle over the past three years;

f) Information about current compulsory civil liability insurance contracts concluded for the insured vehicle with other insurers;

g) Total number of vehicles subject to simultaneous insurance (for legal entity vehicle fleets).

The insurance contract is concluded by acceding to the General Terms and Conditions of the insurance product "Compulsory Civil Liability Insurance for Land Vehicle Owners" (hereinafter — the Terms).

The insurance contract consists of the public part — the Terms, and the individual part — the policy, the form of which is approved by the Motor (Transport) Insurance Bureau (MTSBU).

The insurance contract takes effect from the date and time of the beginning of its term as specified in such Contract, but no earlier than the date and time when the record of such Contract is entered into the Unified Centralized Database (UCDB).

The insurance premium is paid in full before or upon conclusion of the insurance contract.

Upon full payment of the insurance premium, the Insurer is obliged to enter the record of the Insurance Contract into the UCDB in the manner established by the MTSBU, before or upon its conclusion.

In case of non-payment by the established deadline or partial payment of the insurance premium, the record of the Insurance Contract is not entered into the UCDB.

To obtain information about the entry of a record of the compulsory civil liability insurance contract for land vehicle owners into the Unified Centralized Database, one of the following actions must be taken:

— visit the MTSBU website https://policy.mtsbu.ua/ and enter the policy number;

— follow the direct link received in an electronic message to the mobile phone after conclusion;

— follow the direct link or QR code in the policy.

— Ukrainian citizen — combat participant;

— victim participant of the Revolution of Dignity;

— war veteran;

— person with disability of group I or II;

— person who suffered as a result of the Chernobyl disaster, classified as category I or II;

— pensioner

In case of change of owner of the insured vehicle as a result of its lawful alienation, the OSAGO contract remains valid until the end of its term, and the rights and obligations of the policyholder transfer to the new owner of such vehicle.

In case of death of the policyholder — an individual, their rights and obligations under the OSAGO contract transfer to the person who inherited the vehicle specified in such contract and/or who, in the case provided for by the Civil Code of Ukraine, is considered to have accepted the inheritance.

The right to receive a portion of the insurance premium in case of early termination of the insurance contract due to the death of the policyholder — an individual, transfers to the person who inherited the vehicle specified in such contract and/or who, in the case provided for by the Civil Code of Ukraine, is considered to have accepted the inheritance.

In case of change of owner of the insured vehicle, the new owner is obliged within 15 calendar days from the date of acquisition of ownership of the vehicle to notify the insurer in writing and provide the insurer with their personal data.

The Motor (Transport) Insurance Bureau of Ukraine is the sole association of insurers engaged in compulsory civil liability insurance for land vehicle owners for damage caused to third parties.

Membership of insurers in the MTSBU is a mandatory condition for conducting activities related to compulsory civil liability insurance for land vehicle owners.

The MTSBU is a non-entrepreneurial (non-profit) organization and operates in accordance with the Law of Ukraine "On Compulsory Civil Liability Insurance for Land Vehicle Owners", Ukrainian legislation, and its Charter.

Address: Kyiv, Rusanivsky Blvd, 8

Postal address: 02653, Kyiv, Rusanivsky Blvd, 8

Email: info@mtsbu.ua

Working hours: Mon–Thu 09:00–18:00, Fri 09:00–16:45, Lunch 13:00–13:45

Phone: +38 (044) 239-20-30

Contact center: 0-800-608-800

https://mtsbu.ua/avtocivilka/zayava-pro-strahove-vidshkoduvannya

In the event of an accident involving only two insured vehicles, or involving only two vehicles of which the insured vehicle is the one owned by the injured party, and in which the injured party suffered damage exclusively in the form of damage or physical destruction of such vehicle, the injured party has the right to direct settlement of the insured event.

Direct settlement of the insured event involves the injured party's insurer performing the rights and obligations of the responsible party's insurer as defined by the Law of Ukraine "On Compulsory Civil Liability Insurance for Land Vehicle Owners" dated May 21, 2024 No. 3720-IX (hereinafter — the Law) regarding the review of the insurance payment application, decision-making based on its review, and insurance payment execution in case of a favorable decision.

The injured party who exercised the right to direct settlement of the insured event and submitted an insurance payment application to the injured party's insurer, loses the right to contact the responsible party's insurer for insurance payment.

The injured party who did not exercise the right to direct settlement of the insured event and submitted an insurance payment application to the responsible party's insurer, loses the right to contact the injured party's insurer for insurance payment.

In case of an accident other than described in the first paragraph, the insurance payment application is submitted exclusively to the responsible party's insurer, and in cases provided for in Article 43 of the Law — to the MTSBU.

The injured party's insurer to whom the insurance payment application has been submitted, is obliged to accept such application if at the time of its submission such insurer is a member of the MTSBU, the circumstances of the accident correspond to the conditions of the first paragraph, and the injured party has notified in writing that the insurance payment application was not submitted to the responsible party's insurer.

The injured party's insurer who accepted the insurance payment application in accordance with the Law, is obliged to review it, make a decision based on the review, and, in the absence of grounds for refusal, execute the insurance payment.

If the injured party's insurer discovers that the insurance payment application was submitted to the responsible party's insurer before the day the application was submitted to the injured party's insurer, such injured party's insurer has the right to return the insurance payment application to the respective injured party without review.

More about direct settlement https://mtsbu.ua/avtocivilka/pryame-vregulyuvannya-zbitkiv