Voluntary civil liability

Insured Amount:

• Chosen by the client and can range from UAH 100,000 to UAH 1,500,000.

Policy Term:

• 1 year

Territory of Coverage:

• Ukraine, excluding the territory of the Autonomous Republic of Crimea and the city of Sevastopol

Why is VCL Needed?

• By law, the maximum payout for a third party under the compulsory liability insurance (MTPL) is UAH 250,000 (for property damage) and UAH 500,000 (for harm to life/health);
• Statistics show that in more than 40% of RTAs, the property damage exceeds these limits;
• To avoid financial problems for the policyholder in case of an accident, VCL is offered to increase the maximum payout (starting from UAH 100,000).

No deductible applies

Policy Cost:

• From UAH 225 to 3 000 UAH, depending on the chosen insurance amount (liability limit)

Exclusions – Not Covered:

• Damage to the life and health of the policyholder (or authorized drivers) and passengers in the insured vehicle at the time of the accident;
• Damage to the insured vehicle and cargo inside it;
• Harm to the life or health of the driver of the insured vehicle if found responsible for the accident;
• Damages caused by known risks at the time of policy inception that were not disclosed to the insurer;
• Use of the vehicle for unintended purposes, including temporary use by police or medical workers for official duties under Ukrainian law.

Documents for concluding MTPL policy:

• Passport of the Insured;
• For individuals – identification number; for legal entities – EDRPOU code;
• Driver’s license of the relevant category (not mandatory);
• Vehicle registration certificate (technical passport).

Insurance restrictions

The following are not accepted for insurance:

• Vehicles used:
  • for sports competitions;
  • for training driving;
  • for commercial passenger transportation;
  • for rental;
• Motorcycles.