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Voluntary Motor Third Party Liability insurance allows you to increase your coverage beyond the limits set by the MTPL (Mandatory Third Party Liability insurance).

What can be insured?

Civil liability for damage caused to life, health and / or property of others due to the accident involving the vehicle insured under the insurance contract.

Covered risks

• Civil liability of the Insured (or other persons who have legitimate reasons to manage the insured vehicle) for damage caused to property of third parties due to the accident.
• Civil liability of the Insured (or other persons who have legitimate reasons to manage the insured vehicle) for damage caused to life and / or health of third parties due to the accident.

Insured sum

The sum insured (the limit of liability of the Insured) according to the contract is chosen by the client himself and may vary from 50.000 to 500.000 UAH.

What can be insured?

Property, which belongs on the right of ownership to the Insured and his family members residing with him that have common household and property, which the Insured manages under a contract of lease (rent, hire, let, etc.) if such property is not insured by its owner, namely:

• Constructive elements of the property (apartments or private houses)
• Interior
• Household goods (interior parts, furniture, carpet products, sanitary facilities (toilets, sinks, bathtubs, etc.), gas and electric ovens, counters, electrical appliances, audio-, video-, film-, photo-, electronic equipment and other property)

Covered risks

Under the insurance contract reimbursed is the loss or damage of the property caused by:

• Fire, smoke, explosion, lightning
• Natural disasters
• Acts of third parties (including theft, burglary, arson, robbery)
• Water influence
• Fall of piloted flying objects, or their parts
• Outside influence (hit of vehicles, falling trees, etc.)

In addition, the insurance contract can also cover liability to third parties (neighbors), which may arise from possession, use and dispose of property (fire, explosion, influence of water) – the company compensates damage caused to life, health and / or property of third parties.

Who can be insured?

Private individuals (but this type of insurance is also available for legal entities).

What can be insured?

The physical integrity of the insured person.

Covered risks

Sudden and unexpected events related to health (accidents, diseases) leading to:

• Temporary disability
• Permanent disability 
• Death

Indemnity

When receiving an injury in an accident, the payout will be from 3% to 100% of the insured amount, depending on the severity of the injury.