UAVs and their fragments
War events involving unmanned aerial vehicles of any type and their fragments.
Military Auto Cover · TAS Insurance Group
Vehicle insurance
against war risks
Cover if a car is damaged or destroyed as a result of war events defined in the contract. For individuals and companies.
Leave your phone number — we will discuss the terms for your car
Military Auto CoverTAS
Maximum payout limitup to UAH 5 millionbut not more than the sum insured under the contract
- Policy priceFrom UAH 5,000
- Insurance termFrom 1 month to 1 year
- Vehicle ageNo limit
01 / Cover
What the policy protects
Compensation if the car is damaged or destroyed because of war risks provided for in the contract.
Air-defence systems
Damage to or destruction of the car as a result of the use of air-defence systems.
Weapons and ammunition
Other war events defined in the contract that involve the use of weapons and ammunition.
If the car cannot move on its own — to a service station or a place of storage.
Including putting out a fire or recovering the car from a hard-to-reach place.
Each limit applies in total for the whole term of the contract, within the sum insured. Documented actual expenses are reimbursed under the terms of the contract.
Cover has territorial and other limitations. In particular, damage caused by small arms is excluded. See the important exclusions →
02 / Terms
The essentials before you buy
Key parameters of the programme. The sum insured, deductible, term and the start of cover are agreed before the contract is issued.
Current general terms ↗Vehicle
No age limit
A general-purpose passenger car. Specialised and special vehicles are excluded. Wear of parts is taken into account when a payment is calculated, under the contract terms.
Policyholder
A legally capable individual or legal entity
Before the contract is concluded, the owner, how the car is used and other conditions for accepting it for insurance are checked.
Payout limit
Up to UAH 5,000,000 per contract
The limit is the lower of two amounts: UAH 5 million or the sum insured, taking clause 3 of Part 1 of the contract into account. The sum insured does not exceed the actual value of the car and is reduced after payments.
Deductible
0–5%for damage
5–10%for a total loss
Calculated from the sum insured for each insured event. The exact percentages are stated in the contract. A loss that does not exceed the deductible is not reimbursed.
Term
From 1 month to 1 year
Choose a term that fits your needs. The exact dates are stated in the contract.
Start of cover
From the day after payment
From 00:00, once the issue conditions are met and not earlier than the date in the contract. If the inspection, dealership handover certificate or continuous-insurance conditions do not apply — from the 5th calendar day after payment. More about when cover starts ↓
03 / Territory
Where the event happens matters
The contract applies in Ukraine with territorial limitations. In addition to territories excluded by the contract, the distance to territories marked on the DeepState map is taken into account.
The limitations are checked on the date of the insured event. What matters is the place of the event, not only where the car is registered or the owner's address.
Distance limits · clause 10.4
Where cover does not apply
General ruleless than 50 km
From the place of the event to the nearest point of the territories defined in the contract on the DeepState map.
A specific contract conditionless than 20 km
Instead of 50 km — only if the event occurred within the region specified in clause 17.1 of Part 1 of your contract.
Meeting this distance on its own does not confirm cover: the other exclusions in the contract also apply.
How are the territory and the distance determined?
The assessment uses territories marked on the DeepState map as of the date of the event: occupied territories, territories that need clarification, penetration areas, and territories with a recorded presence of the armed forces of the Russian Federation, other countries or formations — according to the list in clause 10.4.
Distance is determined by geographic coordinates as the shortest geodesic distance, not the length of a driving route. If the map is unavailable, official information from an authorised state or local authority is used, and the decision on the case is deferred until that response is received.
Occupied territories are also excluded, as are communities in an area of hostilities, under occupation, encirclement or blockade, and settlements defined in the contract that are outside the control of state authorities or on the contact line. The full rules are in clause 10.4 of the general terms ↗
04 / Price
A calculation for your car
We will agree the sum insured, the deductible and the term. For the calculation, have the make, model, year and approximate value of the car ready, and the region where it is used.
Insurance policy pricefrom 5,000 UAH
The final price depends on the car, the sum insured, the deductible you choose and the term of insurance.
The term is from 1 month to 1 year. The price for the chosen term is confirmed individually.05 / Important details
What to take into account
Check how the car is used, the limits of the programme and how a payment is calculated.
Owner and use of the car
Cars owned, held or used by the Armed Forces of Ukraine, including the Territorial Defence, by volunteer organisations or by entities of Ukraine's defence industry are excluded, as are specialised and special vehicles.
Financial leasing and who receives the payment
Cars under a financial lease are not accepted for insurance. There are also limits on naming a bank, another financial institution, a lessor or a lender as the recipient of compensation. If the car was bought on credit, the conditions need to be checked separately.
Exclusions from war risks
Damage by small arms is excluded, as is damage by mines or other explosive devices on closed roads or off public roads.
Wear of parts
For a car up to and including 6 years old when the contract is concluded, the wear coefficient is zero. From 7 years, it is calculated under the contract terms.
Cover for defined war events
Ordinary road accidents and theft are not separate risks of this programme. Losses before the contract starts are not covered, nor is the cost of repairing earlier damage recorded in the inspection report or photo annexes when the contract is issued. The full exclusions are in both parts of the contract.
06 / How to apply
From a question to cover
We agree the terms first, then issue the contract.
Leave your phone number
A short request for a calculation. You can add your name if you wish.
Clarify the terms
A consultant checks the car details and explains the cover, deductible and price.
Take out the contract
After you agree — signing and payment. Cover starts under the terms of the contract.
Submitting a request for a consultation does not by itself activate insurance cover.
07 / Questions and answers
In plain language
Did not find an answer? Discuss your question with a consultant.
+38 (097) 10 777 33 ↗Does the policy cover drones and fragments?
Yes. The list of risks expressly includes war actions involving UAVs of any type and/or their fragments. A payment is made under the contract, taking the deductible, territorial limits and exclusions into account.
Is there a limit on the age of the car?
The programme has no age limit for a passenger car. The car must meet the other insurance requirements, including those on its purpose and use.
The age of the car affects how wear of parts is taken into account when a payment is calculated: up to and including 6 years when the contract is concluded, the wear coefficient is zero; from 7 years, it follows the contract terms.
Can a company insure a car?
Yes, the policyholder can be a legal entity. The car must meet the programme requirements. In particular, cars owned, held or used by the Armed Forces of Ukraine, the Territorial Defence, volunteer organisations and entities of Ukraine's defence industry are excluded.
What if the car is leased or on credit?
A car that is the subject of a financial lease is excluded from the programme. A car bought on credit needs a separate check: the payment cannot be received by a bank, another financial institution, a lessor, a lender or a pledgee under a credit, loan, financial lease or pledge agreement, or by a person to whom the right to compensation under such agreements has been assigned.
The beneficiary is defined in the contract: the owner of the car, or a person authorised by the owner to receive the compensation.
What does the limit of “up to UAH 5 million” mean?
It is the maximum limit of liability under the contract, not a guaranteed payment for every case of damage. The lower amount applies: UAH 5 million or the sum insured, taking clause 3 of Part 1 of the contract into account. For example, if the sum insured is UAH 1 million, the upper limit will not be UAH 5 million.
The amount of compensation is calculated under the contract, taking the loss, deductible, wear and other applicable terms into account. If the car is destroyed, the value of the remains is taken into account. After payments, the sum insured is reduced; after the full calculated compensation for destruction is paid, the contract ends.
How does the deductible work?
It is the part of the loss that the insurer does not reimburse. A deductible of 0–5% is available for damage and 5–10% for a total loss. The percentages are calculated from the sum insured for each insured event. The chosen figures are stated in the contract.
For example, a 5% deductible on a sum insured of UAH 1,000,000 is UAH 50,000. A loss that does not exceed the deductible is not reimbursed.
When does the insurance cover start?
Cover can start at 00:00 on the day after the insurance premium, or the first part of it, is paid. It does not start earlier than the date stated in the contract, or earlier than the period set by the relevant issue condition:
- With a vehicle inspection report and photo annexes — not earlier than the day after the insurer and the policyholder sign the report.
- For a new car at a dealership — if there is a handover certificate, not earlier than the day after the dealership and the buyer sign it.
- With continuous insurance of the same car with TAS under this programme — from the day after the previous contract ends, if there is no break between the contracts.
- If none of these grounds applies — from 00:00 on the fifth calendar day after the premium, or the first part of it, is paid.
The rules are set out in clauses 8.1–8.1.4 of Part 1 of the contract. If several grounds apply, the one that gives the earlier start is used, subject to the general conditions of clause 8.1. A request for a consultation does not by itself activate cover.
Can documents about an event be submitted online?
For individuals, a claim for the event and the payment can be submitted together with the required documents in electronic form through the insurer's system, under the terms of the relevant offer. The insurer may ask for original documents if needed.
A one-time identifier, including a code sent by SMS, may be used to sign electronic claims and other documents. The short consultation request on this page is a separate step.
What should I do if the car is damaged?
First, take care of your own safety. Notify the insurer immediately, and no later than 2 hours after the event or after the damage is discovered, and follow the insurer's instructions. Contact the competent authorities and agree the next steps with the insurer. Do not start repairs without approval.
Claims contact centre: +38 (097) 654 7777.
Your next step
Find out the terms for your car
Leave your phone number for an individual calculation and a consultation.
The final parameters are set by the contract. Before you enter into it, read both of its parts, the exclusions and the limitations.
Military Auto Cover
Application
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