Insurance conditions Ingo Ukraine:
Insurance conditions Ukrainian Insurance Group:
Additional information on the insurance conditions and the main reasons for refusal**:
Military risks coverage's common conditions
Events, resulting in the partial damage to the insured motor vehicle or its parts and events of total loss of a motor vehicle as a result of war/combat operations, use of weapons are recognized as an insured event under the AUTOCASCO:
- falling of foreign objects (regardless of the reasons for their falling and origin) of defense and special military purpose on the insured vehicle;
- the destructive effect of shock (sound) waves on the insured vehicle;
- damage to the insured motor vehicle by fire or heat, if the vehicle was placed in the immediate vicinity of the fire that occurred as a result of military operations;
- hitting or colliding with military equipment.
Events that are not considered as an insured event if:
- the damage to the insured vehicle was caused by a weapon of mass destruction (including, but not exclusively, as a result of the use of nuclear, biological, chemical weapons);
- the insured vehicle is used for the needs of the Armed Forces of Ukraine, including the Territorial Defense Forces or volunteer organizations;
- the event occurred outside the territory of insurance coverage
The territory of insurance coverage of military risks extends to the territory of Ukraine, with the exception of the following regions:
- Donetsk, Luhansk, Kherson, Mykolaiv, Zaporizhzhya, Dnipropetrovsk (excluding Dnipro city), Kharkiv regions, Autonomous Republic of Crimea;
- a distance of 150 km from the line of hostilities;
- 20 km zone deep into Ukraine along the border with the russian federation, the republic of belarus and the Republic of Moldova.
On the date of the event, the list of regions is updated/changed in the event of a change in the list of high-risk regions and the spread of hostilities to other regions of Ukraine.
In order to receive insurance compensation, it is mandatory to provide a certificate from the competent authorities confirming the fact of the occurrence of the event and its circumstances.
*under the insurance conditions this section contains information on the insurance rules, extracts from insurance agreements on insurance exclusions and main reasons for refusal of the insurance indemnity and recommendations to drivers on how to act in case of insurance event occurrence.
**extracts from insurance contracts. Under the terms of the confidentiality in contracts signed by the ALD with insurance companies, the ALD does not have the ability to post on the website full text of the insurance contracts. However, for maximum transparency and providing our customers with full insurance information, the site provides extracts from insurance contracts, which indicate the main insurance conditions and other important information about the terms of insurance.