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Compulsory Insurance

Compulsory civil liability insurance of business entities for damage caused by fires and accidents in extra-hazardous sites

The insurance is regulated by Decree of Cabinet of Ministers of Ukraine Nr. 1788 of November 16, 2002.

The insurants owning any extra-hazardous sites, or having total economic control or operative management or using the sites herein, are subject to compulsory civil liability insurance for the damage that may be caused by fires and accidents in extra-hazardous sites.

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The insurance is regulated by Decree of Cabinet of Ministers of Ukraine Nr. 1788 of November 16, 2002.

The insurants owning any extra-hazardous sites, or having total economic control or operative management or using the sites herein, are subject to compulsory civil liability insurance for the damage that may be caused by fires and accidents in extra-hazardous sites.

The object of the compulsory insurance is the Insurant’s valuable interests, which do not conflict with the legislation and which are connected with indemnification of direct damage to the third persons caused by fire and/or accident in any extra-hazardous sites.

Any direct damage caused to the third persons and resulted by fire and/or accident in any extra-hazardous sites during Contract of Compulsory Insurance term of validity, what will cause Insurer’s liability of  compensation payment.

All claims and demands brought by the third persons concerning indemnification of the damage, caused by one event, are considered as submitted in relation to one insurance event.

Insured amount shall be estimated for each particular extra-hazardous site pursuant to the danger category, established in Attachment 1 to Decree of Cabinet of Ministers of Ukraine.

  • Decree of Cabinet of Ministers of Ukraine Nr. 1788 of November 16, 2002

Compulsory civil liability insurance for surface transport owners

Civil liability insurance is actually compulsory for the vehicles owners in the most of the countries. The reasons for this are as follows. At first, any vehicle is a source of increased danger.  The vehicle owner is generally recognized liable for personal injuries and damage to property belonging to the third parties by civil regulations in the most of the world countries, except for the events when such accident is Act of God effect or the victim’s intention. That is to say the civil liability of the vehicle driver in relation to the third parties occurs in the most of events.

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Civil liability insurance is actually compulsory for the vehicles owners in the most of the countries. The reasons for this are as follows. At first, any vehicle is a source of increased danger.  The vehicle owner is generally recognized liable for personal injuries and damage to property belonging to the third parties by civil regulations in the most of the world countries, except for the events when such accident is Act of God effect or the victim’s intention. That is to say the civil liability of the vehicle driver in relation to the third parties occurs in the most of events.

Secondly, the civil liability relations concern all society; they have mass character, as any person can become a traffic accident.

Legislation of compulsory insurance of vehicles owners’ liabilities guarantees in majority of developed countries the constitutional rights of persons for life protection and property protection against any unlawful acts by the third persons. Gravity index of traffic accidents consequences (i.e. death toll for 100 victims) in Ukraine is 13, what in 7-10 times higher than in other European countries. Besides over 200 000 traffic accidents occurring in Ukraine, result in material damage of vehicles, road constructions, buildings etc and therefore – in enormous physical and moral damage. The courts are overflowed with tens of thousands of civil and criminal cases, the persons guilty in accidents pay compensations to the victims during the years; the circumstances of both families worsen considerably. That is why the Insurance Company “Dobrobut ta Zahist” offers protection your interests against any contingent event on the road.

The insurance procedure is provided by Law of Ukraine  Compulsory civil liability insurance for surface transport owners of July 01, 2004.

Any event causing damage to the third persons during the traffic accident, occurring with participation of Insurant’s vehicle and resulting in civil liability of the person, whose liability is insured under the contract, is considered as insurance event herein.

The insurance company provides the compulsory limit of the liability for the victims’ property damage in amount UAH: 25 500 for each victim*.

* In the case if the total amount for one insurance event exceeds five times the limit of the Insurer’s liability, the compensation amount to each victim is proportionally decreased.

The insurance company provides the compulsory limit of the liability for damage to victims’ life and health in amount UAH: 51 000 for each victim.

  • Law of Ukraine  Compulsory civil liability insurance for surface transport owners of July 01, 2004

 




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Compulsory Insurance