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Ukrsotsbank offers its clients an innovative financial protection program from JSC "IC "CARDIF"- GAP (Guaranteed Asset Protection). This product is tailored for the Bank’s clients who will draw upon a loan with the purpose of new car purchasing, or have existing auto loan.

GAP insurance covers possible financial loss when primary insurer benefit payment (CASCO) is not enough to reimburse new car total value in case of its theft or total destruction (the car loses 30% of its initial value during first 3 years of its using).

Insurance conditions:

Insurance event Causing financial losses to the Insured person due to receiving insurance indemnity (in case of a car’s theft or total destruction) less than initial car price
Insured person Owner of the car (Bank’s borrower)
Beneficiary Bank – within the indebtedness of Insured person according to the loan contract
Insured person – within the difference between the amount paid to the Bank and the amount of insurance indemnity
Insurance amount 20% of initial car price but not more than 10 000 EUR
Insurance tariff 0,4125% of insurance amount per month (0,99% of initial car price)
Payment type Annually
Duration of insurance contract Not less than 12 months and not more than 72 months
Territory of the contract Worldwide
Obligatory requirements Concluded CASCO contract with another insurance company


The main advantages of GAP insurance:

  • GAP insurance covers or reduces the difference between the costs needed for purchasing new car and actual car price at the moment of insurance claim;
  • Possibility of repaying outstanding balance after the CASCO benefit payout;
  • Possibility of buying new car faster;
  • Possibility of recovering usual living standard;
  • Budget protection;
  • Convenience maintenance;
  • Guarantee of financial stability and support in case of unforeseen events at minimal costs;
  • The insurance coverage starts since the day of the insurance contract signing and protects the client 24 hours within the whole world territory;
  • Convenience: the client can conclude the insurance contract in any branch of the bank when drawing upon a loan;
  • Minimal period for documents consideration in case of insurance claim;
  • Minimal number of documents required for concluding a contract and considering a claim.

Branches & ATMs

Find your nearest branch

Contact сentre

0 800 3000 90

Calls from fixed and mobile networks in Ukraine are free of charge

Branches & ATMs
0 800 3000 90 0 800 3000 90
0 800 3000 90 0 800 3000 90
Currency rates
Cash rates
03.04.2020 Bid Ask
UAH/USD 27.1500 27.6000
UAH/EUR 29.1500 29.8500
UAH/RUB 0.3370 0.3570
Archive of currencies
Cashless rates
03.04.2020 Bid Ask
UAH/USD 27.3500 27.4200
UAH/EUR 29.5000 29.6200
UAH/RUB 0.3540 0.3560
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Rates on cards
16.10.2019 Write-off Return
UAH/USD 24.9000 24.3000
UAH/EUR 27.4500 26.7500
USD/UAH 0.0412 0.0402
EUR/UAH 0.0374 0.0364
USD/EUR 1.1296 1.0743
EUR/USD 0.9308 0.8852
Archive of currencies

Calls from fixed and mobile networks in Ukraine are free of charge.

Number to be used for calls from mobile number within Ukraine for Vodafone, Kyivstar, lifecell subscribers.

Rates according to tariff plan used by user.

The callback service for mobile calls.

International and domestic calls according to the tariffs of the operator.

Rates apply to the actual date of writing-off from the account and are close to the bank’s exchange rate while blocking the necessary amount at the time of the transaction fulfilment.
At first card account currency is stated, hereafter the settlement currency with payment system is indicated.
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