PATRONUS - Auto Insurance Against War-Related Risks

Magical protection for your car from a raging neighbor-aggressor's demonic attacks

About the insurance

PATRONUS - Auto insurance against war-related risks

PATRONUS is insurance that covers damage or total destruction of your car caused by missile and drone strikes, air defense operations, and resulting debris. If your car is damaged, we'll arrange and pay for the repairs. If it's completely destroyed, you'll receive financial compensation.

What Do We Insure?

Vehicles up to
15 years old

passenger cars

buses

trucks and trailers

What Exactly Is Covered

Missiles

+ debris

Drones

+ debris

Air defense operations

+ debris

How Much Does It Cost and What's the Deductible?

Insurance Rates

1,99%*

per year

1,49%*

per 6 months

0,99%*

per 3 months

Deductible:

5%*

partial damage

*Of the car's value

10%*

total loss

What about the terms?

Your car Is covered at full value

No partial coverage — the insured amount equals the full actual value of the car.

The insured amount stays the same

No matter how many payouts you receive, the maximum compensation for each subsequent claim equals the full insured amount.

Valid across Ukraine, except areas of active combat

Coverage does not apply in occupied territories or areas where active combat is taking place.

Repairs only at trusted service stations

We always guarantee the quality of repairs, wherever they're carried out — at dealership or other service stations.

Option to Split Payments

You don't have to pay the full amount upfront — you can split the payment into installments.

We Cover Towing

Our towing limit is 5,000 UAH.

24/7 Support

If something goes wrong or you just have a question, call us anytime.

Order PATRONUS insurance

We insure vehicles up to 15 years old.

Fill out the form — and we'll get in touch with you as soon as possible

In bank lien or lease

By clicking "Submit," you agree to the processing of your personal data in accordance with our Privacy Policy

Object of Insurance

Insured Risks

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

Term of the Insurance Contract

Procedure for the Insurance Contract Coming Into Effect

Territory of Coverage Under the Insurance Contract

Minimum and Maximum Insurance Premium and/or Rate

Type and Minimum/Maximum Amount of Deductible (If Applicable)

Insurance Periods

Insurance Restrictions (If Applicable)

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

— Terms of the Insurance Contract chosen by the Policyholder: the deductible amount, the term of the Insurance Contract, the territory of coverage, the terms for paying the insurance premium, the terms for insurance payouts ("At a service station of the Insurer's choosing," "At an authorized service station," "With depreciation applied," "Without depreciation applied").

— Individual characteristics of the object of insurance necessary for assessing the insured risk: vehicle type, vehicle service life, features (nature) of how the vehicle is used, storage conditions, and the operating regime and territory of the vehicle.

— Other information material to assessing the insured risk: facts of the vehicle's body or engine having been replaced, loss of the vehicle's registration documents, fires, destruction (total loss) of vehicles, transfer of the vehicle into lien, the existence of a legal dispute regarding the vehicle (if any, currently or in the past), seizure of the vehicle (if any, currently or in the past), the existence of third-party claims regarding the vehicle (if any, currently or in the past), the vehicle being on state registration (including temporary registration) in another country, information about prior insurance and loss history for the previous insurance period, information about other active insurance contracts regarding the object of insurance.

— Information about the Policyholder's insurance needs and requirements, as specified in the Insurance Application submitted by the Policyholder.

— The following are considered changes in circumstances material to assessing the insured risk (determining the probability and likelihood of an insured event occurring and the amount of possible losses) and/or other circumstances affecting the amount of the insurance premium under the Insurance Contract and/or materially affecting the terms of the Insurance Contract: transferring the insured vehicle for lease (rental or other paid use) or into lien, a change of vehicle owner, replacement of the body or engine, installation of additional equipment and/or attachments, replacement of vehicle components with ones different from those accepted for insurance under the Insurance Contract, the existence of double insurance, the existence of insured events under prior insurance with other insurers that were not reported in writing when the vehicle was accepted for insurance under the Insurance Contract, deregistration of the vehicle from state registration, registration of the vehicle (including temporary registration) in another country, a change in storage conditions, operating regime, or territory, loss of the insured vehicle's registration documents, use of the vehicle for the commercial transportation of passengers (taxi, etc.), the existence of a legal dispute regarding the vehicle, seizure of the vehicle, and the existence of third-party claims regarding the vehicle.

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Procedure and Terms for the Provision of Services

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met: a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose); b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid; c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout. Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of: the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

— Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date. — In the event of early termination of the insurance contract at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the terms of the contract, the Insurer refunds the insurance premium paid for the remaining period of the contract, minus expenses directly related to concluding and performing the contract, and any insurance payouts already made under the contract. — In the event of early termination of the insurance contract at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full insurance premium paid. — Expenses directly related to concluding and performing the insurance contract are deducted in the amount corresponding to the share of such expenses specified in the insurance contract. — The Insurer refunds the paid insurance premium (or a portion thereof) within 10 business days of the contract's termination date, to the Policyholder's bank account or by another means via payment systems. — If there are unresolved insured events at the time of early termination, the Insurer refunds the insurance premium (or a portion thereof) after such events are settled. — If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund of the insurance premium (or a portion thereof) occurs after the Policyholder is removed from such list. — The paid insurance premium is not refunded in the event of early termination of the insurance contract due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the insurance contract, to withdraw from the contract without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of events bearing the characteristics of an insured event have been made under the contract). — The Insurer refunds the paid insurance premium (or a portion thereof) within 10 business days of receiving the Policyholder's notice of withdrawal, to the Policyholder's bank account or by another means via payment systems.

Procedure for Amending the Insurance Contract

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."
If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.
In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

Загальні умови страхового продукту «Страхування наземних транспортних засобів «ПАТРОНУС», редакція діє з 25.06.2024р.

Інформаційний документ про стандартний страховий продукт «Страхування наземних транспортних засобів «ПАТРОНУС», редакція діє з 01.01.2025р.

Електронний Договір страхування наземних транспортних засобів «ПАТРОНУС», редакція діє з 11.05.2026р.

Document Archive (for insurance contracts concluded in previous periods)

Why Us?

icon (15)

№1 in the CASCO Market

icon (8)

10 Million UAH in Payouts Daily

icon (7)

Payout speed from 3 Days

icon (16)

Recommended by our clients to their friends

Company with 100% Ukrainian capital

icon (20)

20 Years in the Ukrainian market

icon (6) 4 (2)

350,000 Clients

icon (6) 4 (3)

93% Client Satisfaction Rate

Спілкування ввічливе, турбота про клієнта відчувається з першого повідомлення. Такі зміни надихають довіряти!

Все роз'яснили чітко та компетентно. Кошти отримала швидко.

Нормально працюють і виплачують.

Раніше контакт-центр довго опрацьовував завернення, сервіс бажав кращого. Але зараз сервіс на вищому рівні, все вирішується оперативно, комунікація топ

Побувала у страховій компанії Арсенал. Хочеться відзначити велике приміщення. Ліфтом піднімаєтеся на 4 поверх. Працює страхова по запису. На свій час вас забирає працівник. Дуже все швидко і якісно. Мені сподобалося!