Information to read before entering into an insurance contract

• Information about the insurance intermediary
  • Information about the insurance intermediary
• Terms of insurance from PJSC PZU Ukraine Insurance Company
  • Information document of the product "Green Card"
• Insurance terms and conditions from JSC INGO Insurance Company
  • Information document of the product "Green Card"
• Insurance terms and conditions from JSC VUSO Insurance Company
  • Information document of the product "Green Card"
• Insurance terms and conditions from JSC Persha Insurance Company
  • Information document of the product "Green Card"
• Insurance terms and conditions from JSC ARX Insurance Company
  • Information document of the product "Green Card Autoconcierge"
• Insurance terms and conditions from JSC USG Insurance Company
  • Information document of the product "Green Card"

• How to apply for a Green Card through the app?

  To apply for a Green Card policy in the PUMB mobile app, go to the Insurance section and select the Green Card product.

• What is the object of insurance under the Green Card policy?

  These are property interests that do not contradict the legislation of Ukraine and are related to the compensation by the person whose civil liability is insured for damage caused to the life, health, or property of victims as a result of the operation of the insured vehicle.

• What risks are covered by the Green Card policy? Are there any limitations?

  An insured event is a road traffic accident (RTA) involving the insured vehicle abroad, which results in civil liability of the person whose liability is insured for damage caused to the life, health, and/or property of the victim.

  The Green Card agreement is concluded only for liability insurance of owners of vehicles registered in Ukraine.

• What is the amount insured and limit of liability under Green Card policies?

  It is set by the laws of the country in which the accident occurred.

• What is the minimum and maximum insurance payment?

  Determined by the insurer independently and depends on:

  • the insurance coverage area;
  • vehicle category;
  • insurance period.
• Is there a franchise?

  The franchise fee does not apply (UAH 0).

• Coverage area and validity period?

  Valid on the territory of the member states of the international motor insurance system "Green Card": Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Spain, Estonia, France, Finland, Greece, Hungary, Croatia, Italy, Ireland, Iceland, Luxembourg, Lithuania, Latvia, Malta, Norway, the Netherlands, Portugal, Poland, Romania, Sweden, Slovakia, Slovenia, Switzerland, Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, United Kingdom.

  It can be concluded for 15 days, 21 days, 1 month, 2 months, 3 months, 4 months, 5 months, 6 months, 7 months, 8 months, 9 months, 10 months, 11 months or 1 year.

• Can this product be purchased separately, without related and/or additional services?

  The insurance product is not part of any package/agreement. The insurance product can be purchased separately.

• Are there any discounts or promotional offers for the Green Card?

  Cashback is available for Green Card payments. The offer validity period, payment terms and cashback amount are indicated in the Pumb online personal account, in the Benefits section.

• A list of information that is material to the assessment of insurance risk and/or information on other circumstances that are taken into account when determining the amount of the insurance payment:

  The Policyholder shall provide the Insurer with the following information prior to entering into the Insurance contract that is essential for the Insurer's decision to conclude an insurance contract and/or the amount of insurance payment under the insurance contract, namely

  1) information about the insured (individual or legal entity, age of persons who will drive the vehicle, experience in driving vehicles, information on losses for previous insurance periods);

  2) information about the object of insurance:

  information about the vehicle applied for insurance (type of vehicle, engine size, make and model, year of manufacture, registration number, body (chassis) number, locality of vehicle registration)
  the nature of the vehicle operation (whether the vehicle will be used for the provision of paid services for the carriage of passengers and goods for profit; whether it will be used as a taxi);
  the country/group of countries of predominant stay (operation of the secured vehicle)

  3) information on valid insurance contracts concluded for the insured object;

  4) information on the existence of an insurable interest in the insured object on legal grounds or based on other legal relations.

• Are there any consequences for the consumer in case of failure to fulfil the obligations set out in the insurance contract, including consequences in case of late payment?

  The Insurer may decide to refuse to pay the insurance indemnity in case of untimely notification by the Insured (person specified in the insurance contract or by law) of an event having signs of an insured event without valid reasons or failure to fulfill other obligations specified in the insurance contract or by law, if this has resulted in the Insurer's inability to establish the fact, causes and circumstances of an event having signs of an insured event or the amount of damage (loss) caused.

  In case of non-payment of the insurance payment, the insurance contract shall not enter into force.

• What are the warnings regarding the calculation and terms of insurance payments?

  If the person driving the vehicle is found to be at fault in the accident, the injured party is entitled to receive compensation from the national Bureau of the country of the accident. The procedure for registering the event, drawing up the Europrotocol, and the terms of insurance payment are established by the requirements applicable in the country of the accident.

• What are the exceptions to insured events and reasons for refusal to make insurance payments?

  The Insurer (the national Bureau of the country of the accident) does not indemnify for damage:

  • caused during operation of the vehicle, but for which no civil liability arises;
  • caused by the vehicle that caused the accident;
  • caused to the life and health of passengers who were in the vehicle that caused the accident and who are insured under personal insurance against accidents on transport;
  • damage to property that was in the vehicle that caused the accident;
  • caused by the use of the vehicle during a training trip or for participation in official competitions;
  • directly or indirectly caused or contributed to by ionizing radiation, radioactive poisoning caused by arbitrary nuclear fuel, radioactive, toxic, explosive or otherwise dangerous properties of an arbitrary explosive nuclear compound or its nuclear component;
  • associated with the loss of the commodity value of the vehicle;
  • caused by damage or destruction of antiques, products made of precious metals, precious and semi-precious stones, jewelry, religious items, paintings, manuscripts, banknotes, securities, various documents, philatelic, numismatic, and other collections as a result of an accident;
  • caused as a result of a road traffic accident, if it occurred as a result of mass riots and group violations of public order, military conflicts, terrorist acts, natural disasters, ammunition explosion, or vehicle fire not related to this accident;
  • damage caused to the life and health of the driver of the vehicle that caused the accident; fines and court costs to be paid by the driver and/or owner of the vehicle that caused the accident;
  • in the part of court costs incurred in criminal proceedings, including if a civil claim is also resolved in criminal proceedings;
  • damage caused as a result of the transportation of dangerous goods;
  • environmental damage caused by pollution as a result of an accident;
  • in terms of lost profits.

  The reasons for denial of insurance payment are as follows:

  • intentional actions of the person whose liability is insured (the Insured), the driver of the vehicle, or the victim aimed at the occurrence of the insured event (does not apply to persons whose actions are related to the performance of civil or official duty, committed in a state of necessary defense without exceeding its limits or in the course of protection of property, life, health);
  • commission of an intentional criminal offense by the person whose liability is insured (the Insured), the driver of the vehicle, which led to the insured event;
  • failure of the victim (other person entitled to receive indemnity) to fulfill his/her obligations under the Law of Ukraine "On MTPL Insurance", if this resulted in the Insurer's inability to establish the fact of the accident, causes and circumstances of its occurrence or the amount of damage caused;
  • failure to file a claim for insurance payment within 1 year if the damage is caused to the victim's property, and 3 years if the damage is caused to the victim's health or life, from the date of the accident.

   

• Is there a discount for the Green Card policy?

  No discounts are provided.

• What is the procedure for concluding and paying for a Green Card agreement?

  The Insurance Agreement shall be concluded in the form of an electronic document in compliance with the requirements of the Laws of Ukraine "On Electronic Documents and Electronic Document Management" and “On Electronic Identification and Electronic Trust Services” or by the procedure provided for by the legislation on electronic commerce. The Insurance Agreement shall be concluded by way of adhesion and shall consist of the public part of the Insurance Agreement, which shall be the General Terms and Conditions of the Insurance Product, and the individual part of the Insurance Agreement, the Policy.

  The Insurance Payment under the Insurance Agreement shall be paid in full in a single lump sum before or at the time of concluding the Compulsory Third Party Liability Insurance Agreement.

• Does the policy remain valid if the car owner changes?

  In case of change of the owner of the secured vehicle as a result of its lawful alienation, the insurance contract shall remain in force until its expiration, and the rights and obligations of the Insured shall be transferred to the new owner of the said vehicle.

  If the owner of the secured vehicle changes, the new owner shall notify the Insurer in writing and provide the Insurer with his/her data within 15 calendar days from the date of acquisition of ownership of the vehicle.

• How to check the validity of the Green Card policy?

  You can check your contract on the MTSBU website by the policy number and series or by the state number of your vehicle.

• Information about MTSBU.

  The Motor (Transport) Insurance Bureau of Ukraine is the only association of insurers that provides compulsory insurance of civil liability of owners of land vehicles for damage caused to third parties.

  Contact details of the MTSBU:

  Address: 8 Rusanivskyi Boulevard, Kyiv, Ukraine

  Postal address: 8 Rusanivsky Boulevard, Kyiv, 02653, Ukraine

  E-mail: [email protected]

  Contact center phone number: 0-800-608-800

  Website: www.mtsbu.ua

• Reasons and procedure for making a routine payment by MTSBU in the case provided for in clause 4 of part one of Article 43 of the Law of Ukraine "On Compulsory Insurance of Civil Liability of Owners of Land Vehicles"

  Under clause 3, part two, Article 43 of the Law of Ukraine "On Compulsory Insurance of Civil Liability of Owners of Motor Vehicles" (the "Law"), MTSBU, at the expense of the insurance guarantee fund, compensates for damage on the terms and conditions specified by this Law in case of damage caused by a vehicle registered in another country in respect of which a foreign insurance certificate "Green Card" was issued and was valid on the day of the road traffic accident in Ukraine. Such a routine payment is made on the terms and in the amounts established by the legislation on compulsory insurance of civil liability of owners of land vehicles and the principles of mutual settlement of losses in the territory of the member countries of the international system of automobile insurance "Green Card".

  It is important to note that before deciding on a routine payment, MTSBU verifies the existence and validity of the Green Card insurance certificate of the person who caused the damage. The procedure for making routine payments by MTSBU is available on the MTSBU website at https://mtsbu.ua/avtocivilka/zayava-pro-strahove-vidshkoduvannya.