Payment as for a new car - GAP insurance program


CAR CASCO: payment as for a new car

Every year the car loses up to 20% of its value. According to the standard CASCO, the payment will not exceed the value of the car on the date of the insured event, but this will not be enough to buy a new car...

The GAP program from UNIVERSALNA guarantees payment from the insurance company in the amount of the purchase price of the car.
The amount of payment is calculated in accordance with the value of the car under the contract of sale, taking into account the franchise chosen by the client on the risks of "theft" and "complete destruction"

Who is GAP suitable for?

For customers who insure CASCO in UNIVERSALNA, even their credit car, and want to have really complete protection for your car.

In particular, this program is interesting for:

  • For new cars
  • For for cars up to 3 years old, long hull in UNIVERSAL
  • For recently purchased used cars

GAP payment for a new car

  • Abduction


    The GAP program works in the event of a car theft

  • Total destruction

    Total destruction

    The GAP program works in case of TOTAL DESTRUCTION of the car

  • 0,41%


    The cost of insurance under the GAP program from 0.41%

More about GAP

  • In which cases will I receive a GAP payment?

    For minor accidents, payment from the insurance company will be made under the usual CASCO contract - the insurance company will organize and pay for car repairs (depending on the options of the CASCO contract - payment may be less deductible and wear and tear).

    But in the event of a major accident, a tree falling on a car, flooding a car or stealing it, the insurance company will pay under the CASCO contract the amount of the value of the car on the day of the accident (and this is regulated by law). This amount is not enough to buy a new car.

    If the car is insured under the GAP Program, the insurance company will reimburse the difference between the cost of a new car and the payment of CASCO.

    You will be able to buy a new car with GAP payment.
  • Can I insure a car under the GAP program without CASCO insurance?

    The GAP program is an additional option to the CASCO policy.

    You can insure your car under the GAP program if you insure CASCO in UNIVERSAL of your credit car or purchased for cash.
  • What to do in case of an accident

    Here is an example.

    Our client bought an Audi A8 for UAH 2,300,000.

    In three years, the cost of his car will be about UAH 1,600,000.

    If the car is stolen for the third year, UNIVERSALNA will pay its client UAH 1,600,000. With this money the client will not be able to buy a new car.

    But if the client has GAP insurance, he will be able to receive up to UAH 700,000 from UNIVERSALNA. And will be able to buy a new car.
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    years of work in Ukraine

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    the percentage of customers are satisfied with the quality of service

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    thousand hryvnias were collected for 12 months of 2021

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    thousand hryvnias paid for 12 months of 2021

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    losses are settled annually

Have any questions?

The specialist of our contact center will answer your question, clarification or any information about insurance products or services provided by the insurance company UNIVERSALNA
Your manager Yana

Your manager Yana


Has an insured event occured?

What to do if an insured event occurs

  • Register an event

  • Follow the instructions of specialists

  • Wait for the insurance indemnity