property of the Policyholder (Insured person) that is transported (luggage) and placed under the carrier's responsibility for the time of transportation.
under the carrier's responsibility for the period of transport.
Insured risks are events that have occurred during and in the territory of the insurance contract.
of the insurance contract in connection with which the Policyholder (Insured) has incurred losses,
namely due to damage, destruction or loss of transported property.
The Contract shall not apply to:
- fur products, jewellery, printing devices, cinema, photo, video equipment, laptops,
mobile phones, etc. and any accessories to them;
- jewellery, securities, cash,
bank payment cards and funds on accounts;
- precious metals, precious and semi-precious stones;
- antique and unique items, works of art and collectibles;
- travel documents, any types of documents, slides, photographs, film copies;
- manuscripts, plans, schemes, drawings, models, business papers;
- any types of prostheses, contact lenses;
- wrist and pocket watches;
- animals, plants and seeds;
- means of auto-, motor-, bicycle, air and water transport,
as well as spare parts for them;
- religious items.
At the same time are recognised:
- collections - a set of any homogeneous items (stamps, calendars, badges, plants, etc.),
of scientific, historical, artistic interest, or collected for amateur purposes;
- unique - one-of-a-kind, exceptional in their qualities
unique - one-of-a-kind, exceptional in their qualities or great rarity products, works of art;
- antique - ancient items of great artistic or other value;
- spare parts - any assemblies, parts, parts and accessories for vehicles,
mechanisms, devices of electronic equipment, etc.
Minimum and maximum sum insured under this insurance product:
- for travelling abroad of Ukraine: from 100 to 2000 euros/dollars.
- for travelling within Ukraine: from 5000 UAH to 60 000 UAH.
The minimum and maximum insurance tariff is 0.10% and 1.32% respectively.
Minimum and maximum insurance premium:
- for travelling abroad in Ukraine is 0.6 USD/EUR per day and 31.0 USD/EUR
for the maximum insurance period of 31 days USD/EUR
- for travelling within Ukraine is UAH 5.0 per day and UAH 790.82 per year
Insurance payment is converted into hryvnia according to the NBU exchange rate on the date of conclusion of the insurance contract.
Insurance premium shall be paid in one instalment
unconditional deductible from 0% to 10% shall be applied.
The amount of unconditional deductible is determined in the individual part of the insurance contract.
insurance.
The territory of validity of the insurance cover is specified in the individual part of the insurance contract
as a separate country or one of the geographical zones:
- ‘Europe’ (EUROPE): all countries of geographical Europe, as well as: Algeria, Egypt, Israel,
Morocco, Tunisia, Tunisia, Turkey, Egypt;
- WORLD: all countries of the world;
- ‘Ukraine’: the territory of Ukraine;
At the same time, the agreement is not valid on:
- temporarily occupied territories of Ukraine;
- countries where hostilities are taking place;
- areas where a state of emergency or threat of natural disaster has been officially declared;
- countries under UN supervision or sanction;
- countries carrying out armed aggression against Ukraine (including the Russian Federation, the Republic of Belarus, etc.);
on the territory of Iran, North Korea, Myanmar, Syria;
The validity of the contract starts from the moment of baggage transfer under the carrier's responsibility,
but not earlier than the date specified in the individual part of the insurance contract.
as the beginning of the insurance period and payment of the insurance payment.
The validity of the contract ends at the moment of receiving the luggage from the carrier.
at the moment of receiving the luggage from the carrier.
The minimum number of insured days can be 3.
The maximum is 31 days
Losses that occurred due to the following reasons shall not be indemnified:
- inattention or gross negligence of the Policyholder (Insured person);
- inadequate packing (corking) or sending the luggage in damaged condition;
special properties or natural qualities of the insured luggage, normal wear and tear,
natural deterioration of quality, mould; electrical or mechanical
malfunction of audio or video equipment, etc;
- breakage or damage of earthenware, porcelain, glass, musical instruments and other fragile items
other fragile objects;
- damage caused by acids, paints, aerosols, medicines and any liquids,
carried in the luggage;
- other events and occurrences defined in the insurance contract.
Events that occurred as a result of:
- social unrest, strikes or state of emergency (including martial law);
- nuclear incident or ionising radiation;
- use of nuclear, chemical or biological weapons;
- acts of terrorism, natural disasters, except if such events
provided for by the terms and conditions of the insurance product;
- committing suicide or attempted suicide by the Policyholder (Insured)
(except for cases when the Policyholder (Insured) has been brought to such a state by unlawful actions of the Policyholder (Insured).
to such a state by unlawful actions of third parties);
- realisation or attempted realisation by the Policyholder (Insured person) of unlawful actions which are in the state of unlawful actions of third parties;
unlawful actions, which are in direct causal relationship with the insured event, as established by the competent authorities of the Republic of Latvia
the insured event, which is established by the competent authorities;
- active participation in war (declared or undeclared), civil war, combat or military actions;
- exposing the Policyholder (Insured) to unjustified risk,
conscious danger (except for saving life);
- the Policyholder's (Insured person's) being in a state of alcoholic drink
(except if such events are stipulated by the terms and conditions of the insurance product),
narcotic or toxic intoxication.
Also independent grounds for refusal to make insurance payment are:
- Intentional actions or inaction of the Policyholder (Insured person),
aimed at the occurrence of an insured event, except for actions,
committed in the state of extreme necessity or necessary self-defence
(without exceeding its limits) or cases determined by law or international customs;
- committing a deliberate criminal offence by the Policyholder (Insured),
which resulted in the occurrence of the insured event;
- presentation by the Policyholder, the Insured or the person,
in favour of whom the insurance payment should be made,
knowingly false information about the object of insurance, the location of the Policyholder, Insured person or the person in favour of whom the insurance payment is to be made
(Insured person) as of the date of conclusion of the insurance contract, or about the fact and the reasons of occurrence of the insured event.
causes of occurrence of the insured event. Proof of the location of
of the Policyholder (Insured person) on the date of conclusion of the contract shall be the relevant border crossing marks in the passport of the Policyholder (Insured person).
border crossing marks in the passport for travelling abroad;
- obstructing the Insurer in determining the circumstances, nature and amount of losses;
- untimely notification of the Insurer about the occurrence of the insured event
without valid reasons and/or failure of the Policyholder (Insured person) to fulfil his/her obligations as defined by the contract or legislation
failure of the Policyholder (Insured person) to fulfil his/her obligations defined by the contract or legislation, if it
resulted in impossibility of the Insurer to establish the fact, causes and circumstances of the insured event or the amount of the damage caused by the insured event.
occurrence of the insured event or the amount of the caused damage (losses);
- untimely submission to the Insurer of a written application for the insurance payment and other documents specified in the contract or legislation.
untimely submission to the Insurer of a written application for insurance payment and other documents specified in the insurance contract;
- failure to fulfil the Insurer's instructions in the process of settlement of the insured event;
- illnesses that are a consequence of mental reaction to military events,
internal disturbances, terrorist act, air crash,
natural phenomena or fears related to such events;
- chronic, except if such events are stipulated by the terms and conditions of the insurance product, and mental illnesses.
chronic, except if such events are stipulated by the terms of the insurance product, and mental illnesses, even if they are
are detected for the first time or occur periodically;
- insurance of persons above the established age limit or insurance of persons
without applying surcharges;
- performance by the Policyholder (Insured) of any type of physical work,
engaging in active tourism, sports and extreme sports, if such risks
have not been insured and appropriate surcharges have not been applied;
- other cases stipulated by the current legislation of Ukraine;
The Insurer does not make insurance payments related to compensation of moral damage.
the insured event provides for a payment in the amount of 100% of the limit of the sum insured
Policyholder (Insured or Beneficiary)
within 30 calendar days from the event that has occurred
earlier, namely the end of the trip during which the insured event occurred.
the insured event or the expiry of the insurance contract
(depending on which event occurred earlier) shall submit to the Insurer an application for realisation of the Insured Event.
to the Insurer an application for the insurance payment in the form established by the Insurer, which is
which can be downloaded from the Insurer's website.
Documents shall be attached to the application for payment of insurance indemnity,
the list of which is defined in the insurance contract.
All documents, except for the application, may be submitted to the Insurer
within three years from the date of occurrence of the event.
Documents shall be submitted to the Insurer in Ukrainian, English,
Ukrainian, English, German, Polish or Russian languages. If the documents are drawn up in
If the documents are drawn up in another language, an official notarised translation of these documents into the Ukrainian language shall be provided.
of these documents into the Ukrainian language. All documents to be submitted to the
Insurer, must be legibly written or printed on letterheads and have the signatures of the officials with appropriate seals.
have signatures of officials with appropriate seals, as well as the name,
address and contact telephone number of the institution (person) that issued them.
Documents for insurance payment shall be submitted (sent by mail)
directly to the Insurer's office in paper form in the originals.
(except for those for which it is determined to submit in copies (including notarised copies).
All documents, information and evidence shall be provided to the Insurer free of charge.
Determination of the amount of damage is made for each item (baggage item) separately.
The maximum sum insured for luggage and limits of insurance payments are specified in the individual part of the Offer.
in the individual part of the Offer. The amount of damage is determined based on the actual
value of the object, limits of insurance payments and the sum insured for the baggage insurance as a whole.
.
If the damaged item can be repaired with the purpose of further use
the amount of damage is considered to be the cost of repair. If the cost of
of repair exceeds the value of the object itself or the sum insured specified in the contract.
the indemnity shall be paid up to the value of such object,
but not more than the sum insured.
If the lost luggage has been returned to the Policyholder (Insured),
he/she shall return to the Insurer the received insurance indemnity minus the expenses for the lost luggage.
repair costs related to the insured event (if necessary) of the returned item.
of the returned item. The difference of the insurance indemnity shall be returned to the Insurer
by the Policyholder (Insured person) not later than 15 (fifteen)
calendar days after the luggage is returned to him.
If for the lost or damaged luggage or a part thereof the Policyholder (Insured) has received the insurance indemnity for the lost or damaged luggage.
(Insured) has received indemnity from third parties,
the Insurer shall pay the difference between the amount to be indemnified and the amount received from third parties.
In case of loss of separate items included in a set, kit, etc.,
the amount of damage is determined as the difference between the actual value
of the given set, kit, etc. and the value of the items that have survived.
Insurance payments are made non-cash.
Insurance payments to residents of Ukraine are made on the territory of Ukraine
exclusively in hryvnias. Calculation of insurance payment in hryvnias is carried out in hryvnias
according to the NBU exchange rate on the date of occurrence of the insured event.
Insurance payments to non-residents of Ukraine are made abroad in the currency of the sum insured.
currency of the sum insured. The insurer as a tax agent withholds and pays from the sum of
The insurer as a tax agent withholds and pays appropriate taxes and duties from the amount of insurance payment.
The decision on insurance payment or refusal to pay out shall be made by the Insurer within 20 (twenty) working days from the date of payment.
20 (twenty) working days from the day of receipt by the Insurer of all necessary documents,
submitted in accordance with the procedure stipulated by the terms and conditions of the contract.
The Insurer shall make the insurance payment within 5 (five) banking days after the decision to make the insurance payment has been made.
The Insurer shall make the insurance payment within 5 (five) banking days after the decision to make the insurance payment has been made.
If there are reasons to doubt the validity (legality) of the insurance payment, the Insurer may postpone the decision on the insurance payment.
The Insurer may postpone the decision on payment until confirmation or refutation of these reasons is received for a period of time not exceeding the term of the insurance payment.
refutation of these reasons for a period not exceeding 45 (forty-five) working days.
On refusal to make the insurance payment or decision on postponement of the decision to make the insurance payment
The Insurer shall notify the Policyholder (Insured person) in writing of the refusal to make the insurance payment or of the decision to postpone the decision to make the insurance payment.
Policyholder (Insured person, Beneficiary) to the e-mail address specified in the application for insurance payment.
specified in the application for insurance benefit within 5 (five) working days from the moment of making the decision with the statement of the decision.
within 5 (five) working days from the moment of decision making with the statement of motivation of the decision or the reasons for refusal.
reasons for the refusal, after which it sends the decision by post
Failure to report the occurrence of an insured event in a timely manner without a valid reason may be an independent ground for refusal of the insurance payment.
Without valid reasons may be an independent ground for refusal of the insurance payment.
In case of non-payment of the insurance premium in the amount and within the terms specified in the contract, the contract shall be deemed unconcluded and the insurance cover shall not be valid.
In case of failure to pay the insurance premium in the amount and within the terms specified in the contract, the contract shall be deemed not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services that are not insurable.
Discounts do not apply to this product and there are no promotional offers.
