Vuso UA review

The excess starts at €0 to €50 on the range. Anything above that is the part of a claim that stays with you, so a policy with a low starting excess leaves less of a bill to absorb after a loss.

Claims are handled on phone only, so a claim starts with a call. That is narrower than the wider support offering, which also covers phone, email and chat for questions that do not involve a claim.

The range covers auto, travel and health, so car, travel, health, home and renters policies sit with the same provider. A household that would rather hold several policies in one place gets them from a single insurer, and expats are among the customers the range is written for, expats.

The insurer is written for expats, and voluntary medical insurance is limited to young children and older adults. Anyone outside those age groups looking for voluntary medical cover in Ukraine would need to look at another provider, since Vuso does not open that line to them.

Vuso underwrites and settles its own policies, which is what insurer records for the provider. Nothing is handed to a panel of other insurers, so the contract, the premium and any claim all rest with the same company, PrAT Insurance Company VUSO.

In Ukraine the insurer is supervised by the National Bank of Ukraine, the regulator that licenses it. The company trades as PrAT Insurance Company VUSO, is based in Ukraine and has written cover since 2001, so the licence rests with an established Ukrainian entity rather than an overseas name.

The highest cover limit on the car range is Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited), reached by the KASKO Patriot product. Limits of that size suit drivers whose car, or its parts, make up a large share of what they own, and they can weigh the limit against the excess of €0 to €50.

Support runs on phone, email and chat, so phone, email, live chat and a help centre are all open. A claim itself goes in on phone only, which is worth keeping in mind if you prefer to handle claims in writing.