Additional Coverage

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benefitsVCL

Additional coverage to OSAGO allows compensation for damages exceeding the standard limit of car insurance 250,000 UAH — property, 500,000 UAH — health.

A higher limit of insurance payments helps avoid significant financial losses in case of a serious accident, reduces the risks of personal expenses, allows for expanding insurance payment limits, and ensures adequate compensation for property and health damage.

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How it works

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Step #1

Complete an application

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Step #2

Make a payment

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Step #3

Get your insurance contract

Have a question?

Standard Insurance Product Information Disclosure

VCL (Voluntary Civil Liability) insurance is a policy that covers the driver's liability to third parties in the event of a road accident. It supplements the mandatory OSAGO policy and allows increasing the payment limit for damage to property or health of victims.

VCL insurance can only be purchased by vehicle owners who have purchased an OSAGO policy.

  • Voluntary nature — unlike OSAGO, which is mandatory, this policy is purchased at the driver's discretion.
  • Increased insurance limit — OSAGO has government-set payment limits, while VCL allows increasing them.
  • Covering the difference — if losses in an accident exceed the OSAGO limit, VCL will cover the remainder.

Those who want additional financial protection.

The only insurance event under a VCL contract is a road accident caused by the policyholder. The VCL policy helps in situations where the basic coverage under mandatory insurance is insufficient. If the amount of losses exceeds the amount established by government limits for damage to health, life and property of victims, the VCL policy will compensate the difference.

The losses of victims will be compensated as follows — first, payments will be made under the OSAGO contract. If the assigned compensation does not fully cover the repair of the damaged vehicle or medical services for the injured, payments will be made within the limits selected under the VCL contract.

The VCL policy does not cover compensation for damage to the life and health of the policyholder, nor will it cover repair of the vehicle of the person at fault in the accident.

The price of the policy depends on the additional coverage amount.

To apply for a VCL policy:

  1. Log in to the Lardi-Trans website.
  2. Click the "≡" button next to the Lardi-Trans logo, select "Insurance – Additional Coverage" or navigate to the "Additional Coverage" page via the collapsed left side menu.
  3. In the window, click "Get a policy".
  4. In the "Calculator" window, select: Individual or Legal entity, by parameters or by number, fill in all required fields.
  5. Click "Calculate".
  6. In the menu, select the offer that suits you and click "Buy online".
  7. Fill in the tabs: "Vehicle number", "Vehicle information", "Policyholder data", clicking "Next", then proceed to the "Payment" tab.
  8. Check your details on the "Payment" tab, check the box "I agree to the processing and transfer of personal data", click "Pay".
  9. Payment is made to the bank account of LLC "Insurance Agency eAgent" (USREOU 45627149, legal address: Ukraine, 01001, Kyiv, Chykalenko Evhen Street, building 9) whose sub-agent is FOP Brusylovsky Dmytro Volodymyrovych (UKPOO: 2856807576) under the terms of the Sub-Agent Agreement concluded by accepting the Public Offer available at https://docs.eagent.in.ua/subagent
  10. The contract will be sent to Email after the funds are received in the current account.