expenses (losses) of the Policyholder (Insured),
which he/she has incurred due to the impossibility to realise the trip or due to its interruption.
Events that have occurred to the Policyholder (Insured person) during the period and territory of validity of the contract shall be recognised as insured risks.
(Insured person) during the period and in the territory of validity of the insurance contract
insurance contract in connection with which he/she is forced to refuse (cancel)
from the trip or interrupt it and due to which he/she has incurred losses and/or expenses, namely:
-death of the Policyholder (Insured), his/her family member or companion;
- Injury or sudden illness, including COVID-19,
which require outpatient treatment of the Policyholder (Insured),
or a member of his/her family or companion;
- Injury or sudden illness, including on COVID-19,
which require in-patient treatment of the Policyholder (Insured),
or a member of his/her family or companion;
- destruction of the real property of the Policyholder (Insured)
as a result of fire, natural disasters, unlawful actions of third parties or military actions, provided that the destruction of the Policyholder's (Insured person's) immovable property
as a result of fire, natural disasters, unlawful actions of third parties or military actions, provided that the property
is not closer than 50 kilometres to the battle line;
- kidnapping, destruction or damage to the vehicle,
on which the booked journey was to be made,
provided that the abduction, destruction or damage to the vehicle is not direct or indirect.
of the vehicle is not a direct or indirect consequence of any military action;
- the necessity of participation of the Policyholder (Insured person)
in a legal proceeding, if he/she was not aware of it before the date of booking the trip;
- failure to receive (refusal to issue) an entry visa by the Policyholder (Insured) or by whom the Policyholder (Insured person)
(Insured person) or any of his/her family members,
or a companion who is travelling together with the Policyholder (Insured).
with the Policyholder (Insured);
- delay in issuing a visa by the Policyholder (Insured person)
or any of his/her family members or a companion who is travelling together with the Policyholder (Insured person)
travelling together with the Policyholder (Insured);
- issuance of a visa to the Policyholder (Insured person, or a member of his/her family, or a companion for other travelling together with the Policyholder (Insured person);
or a member of his/her family or a companion for a different period of time than that applied for,
as a result of which the previously booked trip has become impossible;
- the Policyholder (Insured person) or a member of his/her family or companion has been kidnapped from the Policyholder (Insured person) or a member of his/her family or companion
travel documents (tickets) from the Policyholder (Insured), or a member of his/her family, or a companion,
passport, driving licence or other documents,
the absence of which does not allow travelling,
the absence of which is reported to the Ministry of Internal Affairs within 24 hours;
- malfunctions, failure of machine equipment and other unforeseen
technical malfunctions with the means of water transport
(liner, motor ship), the journey (cruise) on which was booked and paid for.
and paid for, which resulted in the cancellation of the trip;
- late arrival on the flight from Ukraine to fulfil the booked trip due to an accident;
travel due to an accident, road traffic accident or breakdown of the booked trip.
accident or breakdown of a public transport vehicle
(except taxi) on which the Insured was travelling to the place of departure of the flight;
- Receipt of a notification about the Policyholder's (Insured person's) conscription
to the Armed Forces of Ukraine for military/alternative service upon mobilisation or for participation in the military/alternative service
service on mobilisation or for participation in military training during the period of the planned trip.
planned trip, which the Policyholder (Insured) was not aware of before the conclusion of the insurance contract and
was not known to the Policyholder (Insured person) before the conclusion of the insurance contract and provided,
that such person had the right to travel abroad when booking the trip;
- refusal of entry into the country of destination to the Policyholder (Insured) or his/her family member by the representatives of the authorities of the country of destination
or a member of his/her family by the authorities of the country of destination,
if such refusal is motivated by the suspicion of illegal labour migration by the authorities of the country of destination.
of illegal labour migration of such persons, or
the suspicion of COVID-19 disease, if this diagnosis is laboratory confirmed.
diagnosis will be laboratory confirmed by a PCR test in Ukraine,
which, in turn, should be carried out no later than 3 (three) days
after returning to the place of permanent stay (residence);
- malfunctions, machine equipment failure and other unforeseen
technical malfunctions with the means of water transport (liner, motor ship),
the trip (cruise) on which was booked and paid for, which resulted in the interruption of the trip.
The insurance contract with regard to insurance of financial risks may be concluded for a period of less than 7 calendar days prior to the date of the trip.
may be concluded for the period not less than 7 calendar days prior to the date of commencement of the trip.
Insurance contracts with risks related to obtaining a visa for travelling,
is concluded only with residents of Ukraine and is valid on condition of
timely submission of a full package of necessary documents to the
consular office for visa application and absence of any previous refusals of the Insured persons to obtain a visa for travelling.
Insured persons have no previous refusals to issue visas.
Insurance contracts are not concluded in respect of the following persons:
- natural persons over 90 years old;
- citizens of the Russian Federation, Belarus, Syria, Iran,
North Korea and Myanmar, except for those who have a permanent residence permit in Ukraine;
- legally recognised as legally incapable;
- insurance coverage is not valid in the territory of the permanent residence of the Policyholder (Insured person);
- Russian Federation; Belarus; Syria; Iran; North Korea and Myanmar; Syria; Iran.
The minimum and maximum sum insured for this insurance product may be
From UAH 3,000 to UAH 150,000
The insurance tariff is 5% of the sum insured.
The minimum and maximum insurance premium amounts are UAH 150 before and UAH 7,500 after the policy period.
An unconditional deductible of 0% to 20% shall be applied,
the amount of which is determined in the individual part of the insurance contract.
The territory of validity of the insurance cover is specified in the individual part of the insurance contract as a separate country or one geographical area
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, Turkey, Egypt
also: Algeria, Egypt, Israel, Morocco, 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;
- territories of Ukraine where active hostilities are being conducted;
- areas where a state of emergency has been officially declared
or threat of natural disaster, unless otherwise specified in the terms and conditions of insurance;
- the locality where the Policyholder (the Insured) permanently or predominantly
residence of the Policyholder (Insured person),
as well as the locality where the Policyholder (Insured) is registered
the Policyholder (Insured), unless otherwise specified in the insurance terms;
- countries that are under UN supervision or sanction;
- countries that are carrying out armed aggression against Ukraine
(including the Russian Federation, Republic of Belarus, etc.);
- on the territory of Iran, North Korea, Myanmar, Syria.
The term of validity of the insurance contract for insurance of financial risks in terms of impossibility to carry out reservations.
The term of validity of the insurance contract for insurance of financial risks in the part of impossibility to fulfil the booked
trip (refusal, cancellation) is the period from the date of conclusion of the insurance contract to the date of commencement of the trip.
the insurance contract until the date of commencement of the trip.
The term of validity of the contract for insurance of financial risks in terms of travel interruption is the period from the date of conclusion of the insurance contract to the date of commencement of the trip.
the period of validity of the contract for insurance of financial risks in terms of trip interruption is
the period from the date of the beginning of the trip to the date of its end, provided that the duration of the trip is not more than 30 calendar days,
the duration of the trip is not more than 30 calendar days.
If the duration of the trip is more than 30 calendar days,
financial risk insurance is valid for the first thirty days of the trip.
The minimum number of insured days can be 3 days
Maximum - 180 days.
The cancellation (cancellation, refusal) and/or interruption of a trip shall not be considered an insured event if:
- such trip was contraindicated to the Policyholder (Insured person) due to health condition;
- the reason for cancellation (cancellation, refusal) or interruption of the trip is phobias,
any illnesses, including chronic, psychiatric and infectious
diseases, organ transplantation, immunodeficiency state, AIDS,
neoplasms which have been acquired by the Policyholder (Insured)
or a family member or companion before the date of conclusion of the insurance contract,
even if they were detected for the first time or manifested periodically;
- the reason for cancellation (cancellation, refusal) or interruption of the trip are events
and insured events other than those specified in the terms and conditions of the contract;
- the reason for cancellation (cancellation, refusal) or interruption of the trip is the following
stay in self-isolation, quarantine, observance, etc.
without the establishment of an appropriate diagnosis (including COVID-19),
which medically requires the measures specified;
- events that are the grounds for cancellation (cancellation, refusal) of the trip,
occurred before or on the day of conclusion of the insurance contract with regard to insurance of financial risks;
- the events that are the basis for cancellation (cancellation, refusal) of the
the trip occurred after the introduction of restrictive measures in Ukraine (e.g. quarantine, emergency measures, etc.).
(e.g. quarantine, state of emergency, prohibition of travelling abroad due to martial law, closure of the territory of Ukraine)
due to martial law, border closure, flight cancellation, etc.),
which already made it impossible to realise the trip;
- stay of the Policyholder (Insured person) in self-isolation, quarantine,
observance, quarantine, etc. in the country of travel;
- therapeutic holiday, sanatorium-resort and health-improving treatment;
- the documents for obtaining a visa were not submitted to the consular office or visa application centre in time
consular office or visa centre;
- the documents were lost through the fault of the Policyholder (Insured person);
- the flight from Ukraine for the booked trip was delayed due to an accidental loss of the documents.
the delay on the flight from Ukraine for the booked trip occurred due to an accident, road traffic accident or breakdown of the vehicle
accident or breakdown of own or other private vehicle (not public), due to an accident, road traffic accident or breakdown of its own or other private
vehicle (not a public vehicle), on which the Policyholder
(Insured person) travelled to the place of departure;
- untimely notification of the travel agent (tour operator),
carrier or other service provider of the refusal (cancellation, cancellation)
of the trip, in connection with which the incurred losses were not minimised;
- other events and cases specified in the insurance contract.
The following are also independent grounds for refusal to make an insurance payment:
- wilful acts or omissions of the Policyholder (Insured person),
aimed at the occurrence of an insured event, except for actions,
committed in a state of extreme necessity or necessary self-defence (without exceeding it)
self-defence (without exceeding its limits) or in cases determined by the 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, location of the Policyholder (Insured person) or the person in favour of whom the insurance payment is to be made
of the Policyholder (Insured) as of the date of conclusion of the insurance contract,
or about the fact and causes of occurrence of the insured event.
The proof of the Policyholder's (Insured person's) location as of the date of conclusion of the insurance contract shall be the relevant crossing marks on the date of the insurance contract.
on the date of conclusion of the contract shall be the relevant border crossing marks
in the passport for travelling abroad;
- hindering 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 to the Insurer.
(Insured person) failure to fulfil his/her obligations defined by the contract
untimely notification of the Insurer of the occurrence of the insured event without valid reasons and/or failure of the Policyholder (Insured person) to fulfil his/her obligations specified in the contract or legislation, if it has resulted in the Insurer's inability
to establish the fact, causes and circumstances of occurrence of the insured event or the amount of the caused damage (loss)
the insured event or the amount of the caused damage (losses);
- untimely submission to the Insurer of a written application for insurance payment and other documents
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
military events, internal disturbances, terrorist act,
plane crash, natural phenomena or fears related to such events;
- chronic, except if such events are stipulated in the terms and conditions of the insurance product
the terms and conditions of the insurance product, and mental illnesses,
even if they are detected for the first time or manifest themselves 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.
по страховому случаю предусмотрена выплата в размере 100% лимита от страховой суммы
The Policyholder (Insured person) within 30 calendar days from the date of occurrence of the insured event that caused the cancellation of the insurance contract.
the date of occurrence of the insured event that caused the cancellation or interruption of the journey
trip or its interruption (the date of refusal to issue a visa, onset of an illness, death, flight delay, failure to receive a visa, etc.).
illness, death, flight delay, non-receipt of visa, etc.), and in the case of
in case of death of the Policyholder (Insured person) - the Beneficiary within 30 calendar days from the date of cancellation or interruption of the trip.
within 30 calendar days from the date of acceptance of the inheritance, submit to the Insurer a
application for insurance payment according to the form established by the Insurer,
which can be downloaded on the Insurer's website. The application for payment of insurance indemnity shall be accompanied by:
- insurance contract;
- duly certified copy of the Policyholder's (Insured person's) foreign passport with a mark of the Policyholder's (Insured person's) passport.
(Insured person) passport with stamps on crossing the border of the country of stay (all pages with stamps);
- duly certified copy of the Policyholder's (Insured person's) national passport
(Insured person) national passport (all pages with stamps), for minors additionally - birth certificate;
- duly certified copy of the certificate of assignment of the identification number to the Policyholder (Insured)
identification number of the Policyholder (Insured person);
- duly certified copy of the document confirming the place of registration of the Policyholder (Insured person);
place of registration of the Policyholder (Insured) (if ID cards);
- in case of death of the Policyholder (Insured person) - duly
duly certified copies of the national passport of the Beneficiary and the certificate
a copy of the death certificate;
- original or notarised copy of the certificate of right to inheritance;
- in case of cancellation or interruption of the booked trip due to
insured events with family members or companions of the Policyholder (Insured)
(Insured person), copies of documents confirming the family ties of the Policyholder (Insured person) shall be provided,
confirming family ties of the Policyholder (Insured person)
and the person, as a result of the event with whom the trip is cancelled.
(if such person is not the Insured);
- in case of illness of a family member - a document confirming the family ties with the Policyholder (Insured person) and the Insured person.
in case of illness of a family member - a document confirming family ties with the Policyholder (Insured person);
- in case of insurance payment to the legal representative (guardian) - the following documents
duly certified copies of the national passport of the legal representative (guardian) and the certificate of the legal representative (guardian).
legal representative (guardian) - duly certified copies of the national passport of the legal representative (guardian) and a certificate of assignment of his/her identification number, birth certificate of the Insured Person
number, birth certificate of the Insured; a document confirming the establishment of guardianship over the Insured,
confirming the establishment of guardianship over the Insured;
- cheques, receipts evidencing the payment of the cost of services booked for the trip;
- documents from the subject of tourism activity or other service provider,
confirming booking and payment of services for the Policyholder (Insured person),
expenses for which are insured under this contract (contracts, vouchers, tickets, etc.);
- documents confirming penalties resulting from cancellation of the trip,
from the tour operator, transport companies, consulates,
hotels and other organisations whose services were ordered and paid for the insured persons;
- documents from the subject of tourist activity or other
service provider for the booked trip, according to the amount of
funds returned to the Policyholder (Insured person) as a result of cancellation of the trip;
- in case of cancellation (cancellation, refusal) or interruption of the booked trip by the Policyholder (Insured)
(Insured person) cancellation (cancellation, refusal or interruption of the booked journey due to
injury, illness, death of the Policyholder (Insured person)
or members of his/her family or companions: an official certificate from a medical institution about the injury (illness) of the Policyholder (Insured)
medical institution about the injury (illness, treatment),
medical prescriptions and warnings regarding the trip,
copies of documents confirming family ties between the Policyholder (Insured) and the person whose illness is cancelled due to the cancellation of the trip.
and the person due to whose illness the trip is cancelled (if such person is not the
Insured person), copies of comprehensive satellite insurance contracts,
who were to make a trip together with the Policyholder (Insured);
- in case of cancellation (cancellation, refusal) or interruption of the booked trip due to destruction of real estate
in case of cancellation (cancellation, refusal or interruption of the booked trip due to destruction of immovable property: title documents for the property, certificate of title to the property
documents of title to the property, certificate from the competent authorities depending on the nature of the insured event (law enforcement agencies, law enforcement authorities, insurance company, etc.).
of the insured event (law enforcement agencies, Ministry of Emergency Situations, emergency services,
housing and communal services, seismological service, etc.),
confirming the fact of occurrence of the insured event, as well as the list and description of the destroyed property;
- in case of cancellation of the booked trip due to non-receipt,
delay in issuing an entry visa or refusal to enter the country of destination:
An official refusal to issue a visa from a consular office
(if such a document was issued); a certificate of the date of visa issuance;
a copy of the foreign passport with a stamp of refusal to issue a visa; an official letter of refusal (protocol, act) to enter the country of destination
(protocol, act) to enter the country of destination with the original of this passport;
- in case of cancellation or interruption of the booked trip due to failure,
in case of cancellation or interruption of the booked journey due to malfunction, failure of machinery and other unforeseen technical breakdowns of the means of water transport
in case of cancellation or interruption of the booked trip due to the failure of machinery and other unforeseen technical breakdowns of the means of water transport: official notification and/or certificate of the cruise operator;
- in case of flight delay for the booked journey:
certificate from the carrier stating the reason for the delay; travel
documents; a detailed description of the delay; all cheques, receipts, invoices,
justifying additional expenses of the Insured;
- in case of cancellation of the booked trip due to the Policyholder's (Insured person's) summons to the court
(Insured person) in court: court summons;
- in case of cancellation of the booked trip as a result of kidnapping or
damage to the vehicle (TC), on which the booked trip was planned to be made
the booked trip: technical passport of the vehicle,
a report on the road accident and a certificate from the relevant subdivision of the National Police of Ukraine or a certificate from law enforcement agencies.
Police of Ukraine or a certificate from law enforcement agencies about the declared event (EMERCOM, accident report and a certificate from the relevant subdivision of the National Police of Ukraine).
event (Ministry of Emergency Situations, emergency services, housing and communal services, seismological service, etc.),
which confirm the fact of occurrence of the insured event, as well as the list and description of damages from the service station
description of damages from the service station;
- in case of kidnapping of documents, the absence of which does not allow to realise the travel: copy of the application to the Ministry of Internal Affairs authorities
travel: a copy of the application to the Ministry of Internal Affairs and an extract from the ERDR on initiation of criminal proceedings;
- in case of cancellation of the booked trip due to late arrival of the Policyholder (Insured)
of the Policyholder (Insured person) to the flight from Ukraine:
certificate from the carrier about the delay with indication of the reason;
travel documents; certificate of road traffic accident; certificate of accident;
- other documents confirming the occurrence of the insured event.
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, German,
Polish or Russian languages. If the documents are drawn up in another language,
an official notarised translation of these documents into the Ukrainian language shall be provided.
All documents submitted to the Insurer shall be legibly
written or printed on letterheads and have signatures of officials
with appropriate seals, as well as the name, address and contact telephone number of the institution (person) that submits them.
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 original (except for those for which it is determined that they should be submitted in copies),
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.
The Policyholder shall be indemnified for that part of his funds, included in the sum insured,
which is not returned to him by suppliers of tourist and other services.
in accordance with the rates of penalties. The amount of the insurance indemnity
may not be higher than the limits specified in the individual part of the contract
for individual risks of incurred expenses and the sum insured in UAH in total,
calculated as of the date of conclusion of the insurance contract.
In case of trip cancellation (cancellation, refusal) the amount of insurance indemnity is calculated
as a difference between actually incurred expenses of the Policyholder
(Insured person) to purchase a package of services for the trip,
including the cost of travel documents, prepayment of the cost of accommodation, etc., and
accommodation, etc., and the amount refunded by the subject of tourist activity and other service providers in accordance with the terms and conditions of the contract.
other service providers the amount in accordance with the rates of penalty sanctions,
established by the suppliers of tourism and other services. A deductible is deducted from the amount of the insurance indemnity
franchise is deducted from the insurance indemnity amount, the amount of which is determined by the individual part of the insurance contract.
In case of early termination of the trip, the amount of insurance indemnity is calculated as the difference between the actual expenses incurred and the amount of the deductible.
is calculated as the difference between the actually incurred expenses of the Policyholder (Insured) for booking a travel package, including the cost of travel documents, accommodation costs, etc., and the cost of consumed travel services. The Insurer shall also compensate the Policyholder's (Insured person's) additional expenses for return economy class travel within the limits of the unused part of the sum insured. A deductible of 10% shall be deducted from the insurance indemnity amount, unless another deductible amount is specified in the individual part of the insurance contract.
Insurance indemnities shall be paid non-cash.
If the Insured persons under the insurance contract are family members, the insurance payment shall be made to the account of one of them.
Insurance payment is made to the account of one of the adult members of the family for all persons who are not from the family.
of the family for all persons who did not depart on the trip or who interrupted the trip,
and who were insured under this contract, regardless of who paid the expenses for its purchase.
payment of the expenses for its purchase. If the Insured Persons under one contract
are travelling companions and who are not members of the same family,
the insurance benefit shall be paid proportionally to each of the Insured persons,
who did not depart on the trip or who interrupted the trip, irrespective of who paid the expenses for it.
who paid the expenses for its purchase.
Insurance payments to the residents of Ukraine are made in the territory of Ukraine exclusively in hryvnias.
If the expenses for the purchase of the trip were made in foreign currency,
and in the travel purchase agreement or other similar documents,
there is no equivalent of expenses in hryvnias, then the calculation of expenses in hryvnias is made in accordance with the NBU exchange rate on the date of purchase.
according to the NBU exchange rate on the date of purchase of the trip (conclusion of the travel contract).
If the information from the supplier of travel and other services on penalties
is indicated in foreign currency, the calculation of expenses in hryvnia is carried out according to the NBU exchange rate on the date of purchase of the trip (conclusion of the travel contract).
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.
If the currency of the sum insured and travel expenses are made in hryvnia,
the amount of insurance indemnity shall be calculated based on the sum insured and expenses incurred in UAH and converted into EUR/USD at the NBU exchange rate on the date of conclusion of the insurance contract and the contract for purchase of travel services respectively. The insurer, as a tax agent, withholds and pays the relevant taxes and duties from the amount of insurance payment.
The decision on insurance payment or refusal to pay shall be made by the Insurer within 20 (twenty) working days from the date of receipt by the Insurer of the insurance claim.
working days from the day of receipt by the Insurer of all necessary documents submitted in accordance with the procedure stipulated by the terms of the contract.
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 grounds for doubts regarding the validity (legality) of the
The Insurer may postpone the decision on payment until confirmation or refutation of these reasons is received during the term of the insurance payment.
or refutation of these reasons for a period not exceeding 45 (forty-five) working days.
On refusal to make the insurance payment or on making a decision to postpone the decision to make the insurance payment
The Insurer shall notify the Policyholder (Insured person) electronically in writing of the refusal to pay the insurance benefit or of the decision to postpone the decision to pay the insurance benefit.
(Insured person) to the e-mail address specified in the application for insurance benefit within 5 (five) working days.
insurance benefit within 5 (five) working days from the moment of making the decision
stating the motivation of the decision or the reasons for refusal,
after that it sends the decision by post.
Failure to notify of the occurrence of an insured event in a timely manner without valid reasons 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.
Failure to timely notify the supplier of travel and other without valid reasons,
which did not allow to reduce the expenses (penalties) may be an independent basis for refusal of the insurance payment.
grounds for refusal of 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 not concluded and the insurance cover shall not be valid.
The product is not additional to other goods, works or services,
which are not insurance.
Class 1 insurance contracts are always concluded with Class 18 insurance.
Discounts do not apply to this product and there are no promotional offers.
