War risk insurance
what is covered for citizens and business in Ukraine: cars, homes, cargo, investments
War risk insurance
What it is:
Separate products covering damage from hostilities: missiles, drones, mines, shelling — standard policies exclude these.
Cars:
Add-on to CASCO 'war risks' — covers shrapnel and blast-wave damage.
Homes:
War-risk home policies appeared 2023+ — covering destruction from shelling.
Cargo:
War-risk coverage for logistics in Ukraine and the Black Sea — a separate CMR surcharge.
Investments:
Investment insurance against war risks via MIGA, DFC, state export credit agencies.
State program:
eVidnovlennia compensation for destroyed housing — not insurance, but the main housing mechanism.
Price:
Surcharge on standard tariff +50–200% by region — unavailable in active combat zones.
Important:
Read the 'war risk' definition in the policy — what exactly counts: shelling, explosion, blast fire.