Additional Coverage

Calculator
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.

Benefits
pay
Easy payment
doc
e-Policy
money
Guaranteed reimbursement
timer
Fast processing

How it works

step1

Step #1

Complete an application

step2

Step #2

Make a payment

step2

Step #3

Get your insurance contract

Have a question?

Disclosure of information about the standard insurance product

A VCL (Voluntary Civil Liability) policy is an insurance policy that covers the driver's liability to third parties in case of a road traffic accident. It is a supplement to the compulsory OSAGO (Car Insurance) policy and allows increasing the payment limit in case of damage to property or health of the injured parties.

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

  • Voluntary — unlike OSAGO, which is mandatory, this policy is taken out at the driver's discretion.
  • Increased insurance limit — OSAGO has state-established payment limits, while VCL allows increasing them.
  • Compensation of the difference — if accident damages exceed the OSAGO limit, VCL will cover the remainder.

Those who want additional financial protection.

The only insured event under a VCL contract is a road traffic accident for which the policyholder is at fault. The VCL policy helps in situations where the basic compulsory insurance coverage is insufficient. If the amount of damages exceeds the state-set limits for damage to the health, life, and property of injured parties, the difference is compensated by the VCL policy.

Damages to injured parties will be compensated according to the following algorithm — payments will first be made under the OSAGO contract. If the compensation assigned 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 provide compensation for damage to the life and health of the policyholder themselves, and the repair of the at-fault driver's vehicle will not be covered either.

The policy price depends on the additional coverage amount.

To apply for a VCL policy:

  1. Log in to the Lardi-Trans website.
  2. Click on "≡" next to the Lardi-Trans logo, select "Insurance – Additional Coverage", or navigate to the "Additional Coverage" page from the collapsed left sidebar.
  3. In the window, click "Get a Policy".
  4. In the "Calculator" window, select: Individual or Legal entity, by parameters or by number, and fill in all required menu items.
  5. Click "Calculate".
  6. In the menu, select the offer that suits you and click "Buy Online".
  7. In the window, fill in the tabs: "Vehicle number", "Vehicle information", "Policyholder details", clicking "Next", proceed to the "Payment" tab.
  8. Check your data 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 Yevhena St., 9) as a sub-agent of which is Individual Entrepreneur Brusylovsky Dmytro Volodymyrovych (ZKPO: 2856807576) in accordance with the terms of the Sub-agency Agreement concluded by accepting the Public Offer posted at https://docs.eagent.in.ua/subagent
  10. The contract will be sent to your Email after the funds are received in the settlement account.