Green card - a policy for travelling abroad by car

Property interests not contrary to Ukrainian legislation, related to compensation for damage caused to the life, health or property as a result of a road accident involving the insured vehicle.

The insurance risk is damage caused to the life, health or property of victims as a result of a road accident involving insured vehicles, which gives rise to liability to victims. Vehicles not registered in Ukraine are not insured. Damage caused to the person at fault or their vehicle is also not covered.

The insurance amount is set by the international Green Card Bureau and depends on the jurisdiction of the country where the insurance event occurred. It can be reviewed at the link https://www.cobx.org/sites/default/files/2023-06/MinimumAmountOfCoverage-2023-05-22.pdf

The insurance payment amount is determined by the insurance company and depends on the type of transport, territory and duration of the certificate.

No deductible applies.

Territory of the insurance contract

The contract is valid in the territories of the countries indicated in the «Green Card» certificate. Coverage for Azerbaijan, Cyprus and Serbia is limited to the territory under the control of their governments.

Countries where the policy is valid: Austria, Albania, Andorra, Azerbaijan, Belgium, Bulgaria, Bosnia and Herzegovina, Switzerland, Cyprus, Czech Republic, Germany, Denmark, Spain, Estonia, France, Finland, Liechtenstein, United Kingdom, Greece, Hungary, Croatia, Italy, Israel, Iran, Ireland, Iceland, Luxembourg, Lithuania, Latvia, Malta, Morocco, Moldova, North Macedonia, Montenegro, Norway, Poland, Romania, Sweden, Slovakia, Slovenia, Serbia, Tunisia, Turkey.

Term of the contract

The contract may be concluded for a period of 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 one year. Extension is only possible by concluding a new contract.

If the policyholder fails to fulfill the contract terms (e.g., fails to pay the premium or notify about an accident in time), this may be grounds for refusing payments.

«Green Card» is sold separately, without the need to purchase other goods or services.

The agent provides discounts and additional benefits when applying for insurance policies at the expense of their commission.

1. Information about the Policyholder:
• Last name, first name, patronymic (if available) or name of the Policyholder
• TIN (or, in its absence, passport series and number — for individuals)/USREOU code (for legal entities);
• Document certifying the identity of the Policyholder — individual
• Date of birth of the Policyholder — individual
• Place of residence/Location
• Indication that the Policyholder is a resident of Ukraine
• Type of the Policyholder
• Phone number
• Email address
2. Information about the vehicle:
• Vehicle category code (A. Passenger car, B. Motorcycle, C. Truck or tractor, D. Moped or bicycle with a motor, E. Bus, F. Trailer);
• Type
• Make
• Model
• Registration number
• Year of manufacture
• VIN (body, chassis, frame number)
3. Desired territory of the insurance contract (from the list).
4. Planned start date of the international insurance contract and insurance period
5. Other information required by the Insurer for concluding the international insurance contract.

The provision of the above information is carried out by the Policyholder to the Insurer by filling in the relevant data in the agent's information technology system

Exceptions and Refusals of Payments

Payments are not made if:

• The damage does not fall under civil liability.
• Damage caused to the person at fault in the accident. The insurer does not compensate for damage caused to the vehicle that caused the accident, as well as to property that was in that vehicle.
• Damage during special use of the vehicle. If the vehicle was used during a training run or official competitions, insurance coverage does not apply.
• Damage from radiation and nuclear events. Insurance does not cover damage related to ionizing radiation, nuclear fuel, or other dangerous properties of explosive nuclear compounds.
• Damage to high-value property. Payment is not made for damage to antiques, precious metals, stones, jewelry, religious items, paintings, manuscripts, money, securities, as well as philatelic or numismatic collections.
• Damage due to extraordinary circumstances. If the accident occurred as a result of mass riots, terrorist acts, natural disasters, explosions of ammunition, or other force majeure situations, insurance does not cover such losses.
• Damage to the driver at fault. The insurance company does not cover damage caused to the life or health of the driver of the vehicle that caused the accident.

Grounds for refusal of insurance compensation:

• Intentional actions. If the damage occurred due to intentional actions of the person whose liability is insured (policyholder, driver, or victim), the insurance company may refuse compensation. This rule does not apply to cases related to the performance of official or civic duties, or situations related to necessary defense or protection of life and property.
• Criminal offenses. If the accident was the result of an intentional criminal offense by the driver or owner of the vehicle, insurance payment will not be made.
• Failure of the victim to fulfill obligations. If the victim or another person entitled to compensation did not fulfill their obligations (e.g., did not submit a claim or did not provide necessary documents), the insurance company may refuse payment.
• Missed application deadlines. The deadline for filing a claim is no more than one year for property damage and no more than three years for damage to health or life of the victim, starting from the moment of the accident.

Limits and Payment Procedure

The liability limit is determined by the legislation of the country where the accident occurred. Payments are made in accordance with the legislation of that country.

Before concluding the contract, the client is introduced to the disclosed information about the insurer and the insurance product, enters information material to the assessment of insurance risk, and receives a proposal with the entered data and the formed individual part of the contract. By means of information and communication systems, the client receives a one-time identifier and confirms the fact of reviewing the proposal. The client pays for the contract no later than the end of the current day (Kyiv time) and receives a contract signed by the client using the one-time identifier and an electronic signature by the Insurer or intermediary.

You can check the presence of a record at the link https://cbd.mtsbu.ua/MTSBU_Pages/Tree.aspx?autoauth=true

No privileges are provided by legislation for international Green Card insurance contracts

The Green Card policy contract provides for insurance of losses before third parties. A change of owner does not terminate the contract; it remains valid until the expiry of its term, and the rights and obligations of the policyholder transfer to the new owner of the specified vehicle.

The Motor (Transport) Insurance Bureau of Ukraine is the only association of insurers carrying out compulsory civil liability insurance of motor vehicle owners for damage caused to third parties. Address: Kyiv city, Rusanivskyi Boulevard, building 8

Mailing address: 02653, Kyiv city, Rusanivskyi Boulevard, building 8

Email: [email protected]

Working days and hours: Mon-Thu 09:00-18:00, Fri 09:00-16:45, Lunch 13:00-13:45

Phone: +38 (044) 239-20-30

The list of actions to receive a regulated payment can be viewed at the link https://mtsbu.ua/dtp/dtp-z-vini-vodiya-iz-strahovim-sertifikatom-zelena-kartka

Direct settlement is not provided for under Green Card contracts