Casco (own-damage car insurance) — Poland

[1] Own damage: Not established from the insurer's documents ↩

MAXICASCO: covers partial and total damage from any insured event (zdarzenie ubezpieczeniowe) including road collisions, fire, explosion, and external chemical/thermal agents. MINICASCO: covers partial and total damage only from theft and natural perils (not collision). Sum insured equals the market value of the vehicle on the date the contract is concluded (gross or net depending on VAT right). Minimum market value for MINICASCO is 6,000 PLN; maximum insurable value is 300,000 PLN for both variants.

MAXICASCO – obejmującym ryzyko wystąpienia zarówno szkody częściowej, jak i całkowitej w wyniku zdarzeń określonych w § 6 ust. 1 pkt 1

[2] Total loss: Not established from the insurer's documents ↩

Total loss is defined as theft of the entire vehicle, complete destruction, or damage whose repair cost exceeds 70% of the vehicle's market value on the date of loss. Total loss value is calculated as the market value on the date of loss minus the residual value of the wreck (established via Info-Ekspert system or internet auctions). MAXICASCO covers total loss from all insured events including collision, theft, natural perils. MINICASCO covers total loss from theft and natural perils (cars ≤3.5t) or from any insured event (motorcycles/mopeds).

Wartość szkody całkowitej ustalana jest w kwocie odpowiadającej wartości rynkowej pojazdu w dniu powstania szkody, pomniejszonej o wartość pozostałości po szkodzie.

[3] Partial loss: Not established from the insurer's documents ↩

Partial loss is defined as theft of vehicle parts, partial destruction, or damage where repair cost does not exceed 70% of the market value. MAXICASCO covers partial loss from all insured events. MINICASCO covers partial loss from theft and natural perils only (for cars and trucks ≤3.5t); motorcycles/mopeds are excluded from partial loss coverage under MINICASCO. Partial loss value is determined via kosztorys (estimate) or serwis (invoice) variant. Minimum claimable damage is 500 PLN gross. Labour rate in kosztorys variant capped at 80 PLN/hr net; alternative/OEM parts used with age-based depreciation table.

Wartość szkody częściowej ustalana jest w kwocie odpowiadającej kosztom naprawy pojazdu, uwzględniającej:

[4] Theft & robbery: Not established from the insurer's documents ↩

Theft (including robbery and break-in theft) is covered under both MINICASCO and MAXICASCO, subject to anti-theft device requirements (§8). One anti-theft device required for vehicles with market value up to 150,000 PLN; two devices required above 150,000 PLN. Theft coverage is excluded in Belarus, Moldova, Russia, Ukraine and Turkey (§7.2). In case of theft, the insured must notify police within 2 days (§19.1.2). Covers both total loss from theft of the entire vehicle and partial loss from theft of vehicle parts. Excludes misappropriation (przywłaszczenie) by authorised users.

Warunkiem zawarcia umowy ubezpieczenia od kradzieży pojazdu jest wyposażenie pojazdu:

[5] Glass damage: Not established from the insurer's documents ↩

Separate optional product (Part V of OWU). Covers repair or replacement of the windscreen, rear window and side windows of passenger cars and trucks ≤3.5t (not motorcycles/mopeds) up to the sum insured of 4,000 PLN. For second and subsequent windscreen replacements in a policy year, the insurer covers 70% of the replacement cost up to the sum insured. Territorial scope limited to Poland only. Requires concurrent OC or Autocasco. Glass damage does not affect the AC no-claims bonus.

Suma ubezpieczenia w umowie ubezpieczenia wynosi 4000 złotych (słownie: cztery tysiące złotych) brutto.

[6] Natural perils: Not established from the insurer's documents ↩

Covered under both MINICASCO and MAXICASCO (§6.1 pkt 3). Natural perils (żywioł) are defined in §2.46 as violent natural phenomena independent of human will, including: heavy rain (deszcz nawalny), hail, hurricane, avalanche, flood, fire, strong wind, earthquake, landslide, and flooding (zalanie). Flooding (zalanie) is defined as water entering the vehicle interior from outside due to precipitation or leakage from pipes/canals/heating systems. Submersion (zatopienie) is also covered. Compensation is up to the sum insured (market value of vehicle).

Towarzystwo obejmuje ochroną ubezpieczeniową szkody powstałe w ubezpieczonym pojeździe w wyniku: ... 3) działania żywiołów.

[7] Vandalism: Not established from the insurer's documents ↩

Vandalism (deliberate damage by third parties) is covered under MAXICASCO as an 'insured event' (zdarzenie ubezpieczeniowe) per §2 pkt 45, defined as any event independent of the will of the insured or the driver causing damage covered by the Autocasco policy. §4 ust. 1 pkt 2 confirms MAXICASCO covers partial and total damage arising from events under §6 ust. 1 pkt 1, and the §9 exclusions do not exclude vandalism. Not available under MINICASCO.

zdarzenie ubezpieczeniowe – zdarzenie niezależne od woli Ubezpieczonego lub osoby kierującej pojazdem, powodujące szkody objęte ubezpieczeniem „Autocasco”;

[8] Roadside assistance: Not established from the insurer's documents ↩

Separate optional product (Bezpieczny Pojazd Assistance OWU). Available in four tiers: PODSTAWOWY (sum insured 5,000 PLN/event, covers accident on Polish territory only), STANDARD (15,000 PLN/event, covers accident, breakdown, theft), KOMFORT (15,000 PLN/event, adds personal accident coverage, replacement vehicle up to 7 days), PRESTIŻ (15,000 PLN/event, replacement vehicle up to 10 days, vehicles up to 15 years). Alarm centre operates 24/7 (+48 22 203 75 41). Must be purchased alongside OC or Autocasco. Territorial scope: PODSTAWOWY = Poland only; STANDARD/KOMFORT/PRESTIŻ = Poland + listed European countries.

dla wariantu PODSTAWOWEGO – 5000 zł dla jednego zdarzenia assistance objętego ochroną ubezpieczeniową

[9] Replacement vehicle: Not established from the insurer's documents ↩

Available as part of the optional Bezpieczny Pojazd Assistance product (STANDARD, KOMFORT, PRESTIŻ tiers only; not available in PODSTAWOWY). STANDARD: up to 3 days; KOMFORT: up to 7 days; PRESTIŻ: up to 10 days. Vehicle class up to segment C. Costs covered as part of the 15,000 PLN per-event assistance sum insured. The benefit is provided on an either/or basis with hotel accommodation or return home transport (one benefit per event). KOMFORT/PRESTIŻ tiers exclude trucks ≤3.5t.

pojazd zastępczy – po wcześniejszym odholowaniu pojazdu, o którym mowa w pkt 2, Towarzystwo organizuje i pokrywa koszty najmu pojazdu zastępczego (bez ograniczenia limitem kilometrów) na czas trwania naprawy pojazdu, nie dłużej jednak niż 7 dób

[10] Driver accident: Not established from the insurer's documents ↩

Separate optional product (Part IV of OWU). Covers death (100% of sum insured), permanent disability (1% of sum insured per 1% disability per table), orthopaedic aids (up to 10% of sum insured), and medical treatment costs (up to 10% of sum insured). Sum insured: 5,000 PLN, 10,000 PLN or 20,000 PLN per insured person. Territorial scope: Europe excluding Belarus, Moldova, Russia, Ukraine, Turkey. Must be purchased alongside AC or mandatory OC. Coverage extends to boarding/alighting, loading/unloading, and fuelling the insured vehicle.

Suma ubezpieczenia w umowie ubezpieczenia następstw nieszczęśliwych wypadków kierowcy i pasażerów w zależności od wyboru Ubezpieczającego może wynosić: 1) 5 000 złotych; 2) 10 000 złotych; 3) 20 000 złotych

[11] Own damage: Covered ↩

In the Full AC (all risks) variant, the insured vehicle is covered for damage, destruction or loss regardless of cause, subject to general exclusions. The sum insured equals the vehicle's market value at policy inception (or invoice price for brand-new vehicles). The compensation amount is based on repair costs (net of deductibles and depreciation per vehicle age), or market value minus salvage value in case of total loss. Damages up to 500 PLN are not covered (integral deductible). The Mini AC variant does NOT cover own damage from collisions — it only covers natural perils and theft.

pełnym (all risks), tj,. obejmującym następstwa uszkodzenia, zniszczenia albo utraty przedmiotu ubezpieczenia bez względu na przyczynę,

[12] Total loss: 100% of insured sum ↩

A total loss is declared when repair costs exceed 70% of the vehicle's market value on the date of loss (or 70% of the insured sum if market value exceeds the insured sum), or when the vehicle is stolen. The compensation equals the market value on the date of loss minus salvage value, up to the insured sum. For brand-new passenger cars during the first 6 months of the policy period, or when the 'Fixed sum insured' option is chosen, market value equals the current insured sum. Available in both Full AC (all risks) and Mini AC variants.

Za szkodę całkowitą uznaje się utratę pojazdu oraz uszkodzenie pojazdu, jeśli koszty naprawy przekraczają: 70% wartości rynkowej pojazdu w dniu powstania szkody, jeśli jest równa sumie ubezpieczenia albo jest od niej niższa

[13] Partial loss: Covered ↩

Partial damage is covered when repair costs do not exceed the total loss threshold (70% of market value or insured sum). Compensation equals repair costs according to the chosen repair variant (ASO/Partner Workshop/Cost-estimate), subject to depreciation deductions based on vehicle age: 15% for vehicles up to 1 year old, 30% for 1-3 years, 45% for 3-5 years, 55% for 5-8 years, 65% for over 8 years. The 'No parts depreciation' option can be added in ASO and Partner Workshop variants (when insured documents repairs). Only available in Full AC (all risks); Mini AC does not cover partial damage from collisions.

ustalając wysokość kosztów naprawy koszt części zamiennych obniża się o kwotę odpowiadającą zużyciu eksploatacyjnemu części pojazdu według poniższych zasad: 1) 15% wartości części, jeśli okres eksploatacji pojazdu nie przekracza 1 roku

[14] Theft & robbery: 100% of insured sum ↩

Coverage for theft of the vehicle is included in both Full AC (all risks) and Mini AC variants. Theft coverage is excluded if: the policy period is less than one year; the vehicle was left unattended with keys or registration documents in an accessible location (gross negligence); anti-theft devices were not activated; locks were not repaired or lost keys replaced without delay. Theft on the territory of Albania, Belarus, Moldova, Russia and Ukraine is excluded. Upon confirmed theft, the insured must submit proof of ownership, registration documents, all anti-theft device keys, and confirmation of report to law enforcement.

powstałe w następstwie kradzieży, o ile umowa została zawarta na okres ubezpieczenia krótszy niż rok, powstałe w następstwie kradzieży na terytorium Albanii, Białorusi, Mołdawii, Rosji i Ukrainy

[15] Glass damage: Optional ↩

Glass insurance (Rozdział VI) is a separate optional module covering destruction and damage to front windscreen, rear window, and side windows. Compensation equals the cost of repair or replacement at a Compensa partner repair shop using alternative parts. A 200 PLN deductible applies to windscreen damage. Claims under the glass policy do not affect the AC no-claims bonus. Excluded: panoramic roof glass forming one unit with the front windscreen, mirrors, reflectors, sunroofs, window stickers, factory defect damage, and damage to mounting elements (seals, frames, sensors) unless occurring together with insured glass damage.

Przedmiotem ubezpieczenia są szklane: szyba czołowa, tylna i szyby boczne w pojedzie wskazanym w polisie.

[16] Natural perils: Covered ↩

Damage caused by natural perils is covered in both Full AC (all risks) and Mini AC variants. Mini AC specifically covers: heavy rainfall (wydajność co najmniej 4), hail, hurricane (wind ≥24 m/s), avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, ground subsidence, and submersion. Full AC additionally covers all other causes not explicitly excluded. Applicable depreciation deductions based on vehicle age apply.

„Mini” tj. obejmującym następstwa uszkodzenia, zniszczenia albo utraty przedmiotu ubezpieczenia, o ile przyczyną jest działanie deszczu nawalnego, gradu, huraganu, lawiny, osunięcia się ziemi, powodzi, pożaru, trzęsienia ziemi, trąby powietrznej, uderzenie pioruna, zapadanie się ziemi, zatopienie

[17] Vandalism: Covered ↩

Damage caused by third-party vandalism (acts of malicious damage) is covered under the Full AC (all risks) variant as it covers damage without regard to cause. The Assistance module (Rozdział III) also explicitly lists vandalism as a covered event triggering roadside assistance. Vandalism is NOT covered under Mini AC (which is limited to named natural perils and theft).

awaria, wypadek drogowy, kradzież pojazdu lub części trwale zamontowanych w pojeździe, uszkodzenie na skutek wandalizmu, pożar, wybuch, zatopienie, nagłe działanie sił przyrody

[18] Roadside assistance: €500 – €10,000 ↩

The Assistance module (Rozdział III) is a separate optional insurance available in four tiers: Mini (500 EUR), Basic (2500 EUR), Standard (5000 EUR), Premium (10 000 EUR). Events covered include breakdown, road accident, theft of vehicle or permanently mounted parts, vandalism, fire, explosion, submersion, natural perils, tyre damage, missing wheel chains, burnt-out bulb, lack of fuel, wrong fuel, lost/locked/damaged keys. Mini variant covers only Poland and only road accidents. Basic/Standard/Premium cover full territorial scope. Towing distances: Mini up to 150 km (Poland only), Basic to nearest workshop, Standard up to 200 km per event, Premium up to 1000 km per event. All amounts are insured sums per variant period.

Suma ubezpieczenia jest różna dla poszczególnych wariantów ubezpieczenia i wynosi równowartość kwoty podanej w tabeli stanowiącej Załącznik nr 1 do OWU.

[19] Replacement vehicle: 14 days ↩

A replacement vehicle is provided in two ways: (1) Via the AC 'Partner Workshop' repair variant (Rozdział II §1 ust. 8): the Door-to-door service includes rental of a replacement vehicle (up to 2000 cm³) for the duration of repairs, plus vehicle transport to/from the workshop within 100 km. This is included in the AC Partner Workshop variant at no extra charge. (2) Via the Assistance module (Załącznik nr 1): Basic tier provides rental for up to 3 days (2 events per period), Standard up to 7 days per event (5 events per period), Premium up to 14 days per event (1 event). Replacement vehicle is max engine capacity 2000 cm³ (class comparable to insured vehicle in Assistance). The maximum days (value_max) reflects the Premium Assistance tier.

TAK (jeden wynajem na zdarzenie przez 14 dni).

[20] Driver accident: Optional ↩

The NNW module (Rozdział IV) is a separate optional personal accident insurance covering the driver and passengers of the insured vehicle against consequences of road accidents: permanent health impairment, death, and medical treatment costs. Available in two variants: 'Komfort' (higher sum insured, death benefit for driver is 5x the permanent impairment benefit) and 'Mini' (death and impairment benefits are equal). Treatment cost limit is 20% of the permanent impairment sum insured. The sum insured is set individually per insured person. Coverage is limited to events directly related to the movement of the insured vehicle.

Przedmiotem ubezpieczenia są zdrowie i życie Ubezpieczonego, tj. kierującego oraz pasażerów pojazdu wskazanego w polisie, oraz koszty leczenia poniesione przez Ubezpieczonych.

[21] Own damage: Conditional ↩

Covered in Autocasco Midi and Autocasco Maxi variants for all insured events including accidents, collisions with vehicles or objects, vandalism by unknown third parties. NOT covered in Autocasco Mini variant (Mini covers only damage caused by natural perils, damage caused by animals - collision with an animal or damage to the vehicle interior by an animal - and theft of the whole vehicle; loss of vehicle parts through theft is not covered in Mini). Compensation equals repair cost based on parts tier per variant: Mini – comparable-quality parts; Midi – original parts; Maxi – original service parts. If no repair invoices submitted, insurer uses Audatex/Eurotax/DAT estimate with depreciation schedule based on vehicle age. Sum insured = market value of vehicle at policy inception (including VAT); sum insured is NOT reduced by paid claims (non-consuming).

W wariancie Autocasco MINI ochroną ubezpieczeniową objęte są Szkody powstałe wskutek zdarzeń ubezpieczeniowych spowodowanych przez Żywioły, zwierzęta oraz Kradzież Pojazdu. Przez Szkody spowodowane przez zwierzęta rozumiemy zderzenie Pojazdu ze zwierzęciem oraz uszkodzenie wnętrza pojazdu przez zwierzę. W AC MINI ochroną ubezpieczeniową nie są objęte Szkody polegające na utracie części Pojazdu wskutek kradzieży.

[22] Total loss: Covered ↩

Total loss declared when repair cost (gross, including VAT) exceeds 70% of the vehicle market value on the date of loss (§2.17 OWU, §17 OWU). Compensation equals the market value of the vehicle on the date of loss (per Eurotax) minus the market value of the salvage remains. Market value determined using Eurotax expert system. Applicable to all three variants (Mini, Midi, Maxi). Policy terminates upon total loss payout.

[23] Partial loss: Conditional ↩

Covered in Autocasco Midi and Autocasco Maxi. In Autocasco Mini, partial loss from natural perils, animal-related damage (collision with an animal or damage to the vehicle interior by an animal), and theft of the whole vehicle are covered; collision-based partial loss and partial loss from theft of vehicle parts are not covered in Mini. Repair cost established using Audatex, Eurotax or DAT systems. Parts quality per variant: Mini – comparable quality; Midi – original parts; Maxi – original service-station parts. Labour rate for Mini and Midi set at rates of non-ASO cooperating workshops; for Maxi at ASO rates in the vehicle registration region. Without invoices, a flat rate of 60 PLN net/hour applies with parts depreciation by age bracket.

W wariancie Autocasco MINI ochroną ubezpieczeniową objęte są Szkody powstałe wskutek zdarzeń ubezpieczeniowych spowodowanych przez Żywioły, zwierzęta oraz Kradzież Pojazdu. [...] W AC MINI ochroną ubezpieczeniową nie są objęte Szkody polegające na utracie części Pojazdu wskutek kradzieży.

[24] Theft & robbery: Covered ↩

All three variants cover theft (kradzież zwykła, kradzież z włamaniem, rozbój, kradzież rozbójnicza, wymuszenie rozbójnicze) of the whole vehicle. Autocasco Midi and Maxi also cover theft of vehicle parts and standard equipment. Theft cover is excluded in Albania, Belarus, Moldova, Russia and Ukraine for all variants. Compensation for vehicle theft equals market value on the date of theft per Eurotax. After payout, insured must transfer vehicle ownership to the insurer and provide deregistration confirmation.

Na terytorium Albanii, Białorusi, Mołdawii, Rosji oraz Ukrainy ubezpieczeniem nie są objęte Szkody powstałe w wyniku Kradzieży pojazdu lub jego części, Kradzieży jego Wyposażenia standardowego a także Kradzieży Bagażu podróżnego lub fotelików służących do przewozu dzieci.

[25] Glass damage: Conditional ↩

Not explicitly listed as a separate coverage sub-limit in this product. Glass damage is covered as part of general own-damage coverage in Midi and Maxi variants when arising from an insured event (e.g. natural perils, vandalism by third parties). In Mini variant, glass damage from natural perils is covered; collision-related glass damage is not. The OWU excludes coverage for windscreen damage caused by the engine hood striking the windscreen if this resulted from gross negligence (§4.1.19).

[26] Natural perils: Covered ↩

Covered in all three variants (Mini, Midi, Maxi). Natural perils (Żywioły) are defined in the OWU as: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, ground subsidence. Compensation up to the sum insured (market value of vehicle). All-variant coverage is a key feature of the Mini tier.

W wariancie Autocasco Mini ochroną ubezpieczeniową objęte są szkody powstałe wskutek zdarzeń ubezpieczeniowych spowodowanych przez Żywioły lub Kradzież Pojazdu.

[27] Vandalism: Conditional ↩

Covered in Autocasco Midi and Maxi variants as part of all-risks coverage (wszelkie zdarzenia ubezpieczeniowe), including damage by unknown third parties (e.g. vandalism). Not covered in Autocasco Mini (Mini covers only damage caused by natural perils, animal-related damage, and theft of the whole vehicle; vandalism is not covered in Mini). Explicitly noted in marketing: covers damages caused by others, even when the perpetrator is unknown.

W wariancie Autocasco MINI ochroną ubezpieczeniową objęte są Szkody powstałe wskutek zdarzeń ubezpieczeniowych spowodowanych przez Żywioły, zwierzęta oraz Kradzież Pojazdu.

[28] Roadside assistance: Excluded ↩

Roadside assistance is NOT included in this AC product. It is sold as a separate Assistance insurance for Santander Bank Polska clients (a standalone OWU for Assistance exists). The AC OWU only covers costs of securing the damaged vehicle up to 400 PLN (mandatory technical inspection and securing costs, §14 ust.9).

[29] Replacement vehicle: Excluded ↩

Replacement vehicle coverage is NOT included in this AC product. It may be arranged through a separate Assistance insurance product for Santander Bank Polska clients.

[30] Driver accident: Excluded ↩

Driver accident / personal accident coverage (NNW) is NOT included in this AC product. It is sold as a separate NNW insurance for Santander Bank Polska clients.

[31] Own damage: 100% of insured sum ↩

The policy covers damage, destruction, or loss of the insured vehicle (with basic equipment) caused by events independent of the insured's will, excluding events explicitly listed as exclusions. This is an all-risk formula: all perils are covered except those expressly excluded. The insured sum equals the market value of the vehicle at policy inception (gross or net of VAT depending on policyholder's entitlement). Compensation is capped at the current insured sum. The total loss threshold is repair costs exceeding 70% of the vehicle's market value on the date of loss. Deductible: PLN 700 per claim for passenger cars and trailers up to 750 kg / camping trailers; 2% of insured sum (min PLN 700) for other vehicles. Claims under PLN 500 are not covered. Amortisation of parts applies by default (15%–65% depending on vehicle age) but can be waived for an additional premium in serwisowy and warsztat partnerski variants.

Zakres ubezpieczenia obejmuje następstwa uszkodzenia, zniszczenia albo utraty przedmiotu ubezpieczenia.

[32] Total loss: 100% of insured sum ↩

Total loss (szkoda całkowita) is declared when the gross repair cost of the damaged vehicle exceeds 70% of the vehicle's market value on the date of loss (if equal to or lower than the insured sum), or 70% of the insured sum (if the market value on the date of loss exceeds the insured sum). Compensation equals the vehicle's market value on the date of loss minus the salvage value, capped at the current insured sum. If the 'fixed insured sum' option was purchased, and market value on the date of loss is lower than the insured sum, compensation equals the current insured sum minus salvage value. Policy terminates upon payment of total loss compensation. Market value determined using Info-Ekspert, EUROTAX, or DAT catalogues.

Za szkodę całkowitą uznaje się uszkodzenie pojazdu w stopniu, w którym koszty naprawy brutto... uszkodzonego pojazdu przekraczają: 1) 70% wartości rynkowej pojazdu w dniu powstania szkody...

[33] Partial loss: 100% of insured sum ↩

Partial loss (szkoda częściowa) is any damage that does not qualify as total loss and is not the result of theft. In the serwisowy (invoice) variant, compensation is based on invoices for repair pre-approved by Compensa, verified against AUDATEX/EUROTAX/DAT labour times and ASO labour rates in the vehicle's registration area. In the warsztat partnerski variant, compensation is based on invoices from the chosen partner workshop, using partner workshop labour rates and alternative parts prices. In the kosztorysowy (estimate) variant, Compensa prepares its own damage estimate using partner workshop rates and alternative parts prices. Depreciation of parts applies by default (15%–65%) in all variants; waivable for additional premium in serwisowy and warsztat partnerski variants. Mandatory depreciation applies to tyres, battery, brake pads, drive and exhaust system regardless of variant.

Szkodą częściową jest każda szkoda nie stanowiąca szkody całkowitej określonej w § 16 ani szkody będącej następstwem kradzieży.

[34] Theft & robbery: 100% of insured sum ↩

Theft (kradzież) of the vehicle, permanently fitted parts, and basic equipment is covered within the base AC scope, subject to conditions. Coverage is conditional on: (1) the policy being issued for a minimum annual period (theft excluded for sub-annual contracts); (2) the insured territory not being Albania, Belarus, Moldova, Russia, or Ukraine; (3) required anti-theft devices being properly armed and used. The definition of theft (art. 278–282 of the Polish Criminal Code) includes ordinary theft, burglary, robbery, mugging, and extortion. Appropriation (przywłaszczenie) is explicitly excluded. Compensation equals the vehicle's market value on the date of loss, capped at the current insured sum. Policy terminates upon payment of theft compensation. The insured must report theft to police within 12 hours and deregister the vehicle, then transfer title to Compensa.

W przypadku zawarcia umowy na okres krótszy niż okres roczny ubezpieczeniem nie są objęte szkody będące następstwem kradzieży. Na terytorium Albanii, Białorusi, Mołdawii, Rosji i Ukrainy ubezpieczeniem nie są objęte szkody będące następstwem kradzieży.

[35] Glass damage: Optional ↩

Glass damage coverage (Assistance – Szyby, Chapter VII of the 2026 OWU) is an optional add-on available together with an AC or OC policy. It covers repair or replacement of damaged front, side, and rear windows. Repair or replacement must be carried out by a Compensa partner workshop. The insured sum is stated on the policy document (not published as a fixed amount in the OWU). A claim under this cover does not affect the AC no-claims discount. Excluded: panoramic roof, mirrors, reflectors, factory defects, advertising stickers, registration stickers, and damage from improper use.

Zakres ubezpieczenia obejmuje organizację i pokrycie kosztów naprawy lub wymiany zniszczonej oraz uszkodzonej szyby czołowej, tylnej i szyb bocznych w pojeździe wskazanym w polisie.

[36] Natural perils: 100% of insured sum ↩

Natural perils are covered within the core AC scope as part of the all-risk formula. The OWU does not list specific named perils for AC (e.g. flood, hail, lightning) — instead, the policy covers all events causing damage, destruction, or loss of the vehicle unless expressly excluded. The IPID confirms coverage against 'żywioły lub pogoda (powódź, grad itp.)'. Excluded: damage caused by normal atmospheric conditions, corrosion, oxidation, moisture, mould, or deterioration due to prolonged standing.

zniszczeń spowodowanych żywiołami lub pogodą (powódź, grad itp.),

[37] Vandalism: 100% of insured sum ↩

Vandalism (deliberate damage to the vehicle by a third party) is covered within the AC scope, which covers damage, destruction or loss of the insured vehicle unless expressly excluded. Damage resulting from war, civil unrest, sabotage or terrorism is excluded under the general exclusions.

Zakres ubezpieczenia obejmuje następstwa uszkodzenia, zniszczenia albo utraty przedmiotu ubezpieczenia.

[38] Roadside assistance: €150 – €10,000 ↩

Roadside assistance (Ubezpieczenie Assistance, Chapter III of the 2026 OWU) is a separate optional add-on to the AC policy. It is available in two variants: Baza (sum insured: EUR 150, covering on-site repair in case of accident only, and towing to nearest workshop) and Rozszerzony (sum insured: EUR 10,000, covering all insured events including breakdown, theft, vandalism; towing up to a km limit stated on policy; fuel delivery; battery jump-start up to 3 times; parking up to 14 days; replacement vehicle for days stated on policy; hotel accommodation up to 4 nights; 24/7 alarm centre). Note: per the product page, Assistance in Baza variant is included free of charge with AC purchase. The Rozszerzony variant requires an additional premium. Assistance and NNW can only be contracted together with AC or OC for the same period.

Suma ubezpieczenia wynosi równowartość: 1) w wariancie „Baza” – 150 euro... 2) w wariancie „Rozszerzony” – 10 000 euro na wszystkie świadczenia.

[39] Replacement vehicle: Optional ↩

A replacement vehicle is provided in two ways within the Compensa product. (1) In the Assistance Rozszerzony variant: a replacement passenger car (comparable class, max engine displacement 2,000 cm³) is organised and paid for by Compensa for a number of days stated on the policy, in the event of accident, breakdown, or theft causing immobilisation. The vehicle is delivered and collected at no additional charge. (2) In the AC partner workshop (warsztat partnerski) variant: Compensa additionally covers the cost of renting a replacement vehicle (max 2,000 cm³) for the duration of the repair, including door-to-door delivery within 100 km of the partner workshop. Both channels require policy-level activation. Fuel, insurance, tolls, and deposits are not covered.

organizacja i pokrycie kosztów wynajmu oraz podstawienia i odstawienia pojazdu zastępczego na czas naprawy pojazdu... w ramach świadczenia jako pojazd zastępczy przysługuje samochód osobowy o klasie porównywalnej z klasą samochodu wskazanego na polisie, o maksymalnej pojemności silnika 2000 cm3

[40] Driver accident: Optional ↩

NNW (Następstwa Nieszczęśliwych Wypadków) is an optional personal accident add-on covering the driver and passengers of the insured vehicle. It covers: permanent health impairment (trwały uszczerbek na zdrowiu) – compensation proportional to the percentage of impairment applied to the insured sum; death – full insured sum paid to beneficiaries; medical treatment costs – capped at 20% of the NNW insured sum (costs must be incurred in Poland). Coverage applies to accidents in direct connection with the movement of the insured vehicle, including boarding/alighting, loading/unloading, and roadside stops. The insured sum per person is specified on the policy. NNW can only be contracted with AC or OC for the same period. Excluded: illness, cardiac arrest, stroke as the cause of the accident; suicide attempt; cosmetic surgery costs; dental prostheses costs.

Z tytułu następstwa nieszczęśliwego wypadku w postaci trwałego uszczerbku na zdrowiu COMPENSA wypłaca świadczenie w wysokości równej procentowi sumy ubezpieczenia, określonej dla następstwa nieszczęśliwego wypadku w postaci trwałego uszczerbku na zdrowiu.

[41] Own damage: Conditional ↩

Covers damage to the insured vehicle caused by a road accident (wypadek). Not covered in the Mini variant. Covered in Standardowy (Wycena Ekspercka and Serwis) and Rozszerzony variants. The sum insured equals the gross market value of the vehicle (Eurotax system), minimum 10,000 PLN and maximum 500,000 PLN. Payment does not reduce the sum insured. Minimum damage threshold: 300 PLN. For Moto AC Mini/Standardowy: alternative parts used, depreciation-free on parts for workshop repair; for Rozszerzony: original parts, ASO/partner/non-authorised workshops allowed. A 1,000 PLN own contribution deductible is optionally available (Klauzula Udział Własny).

Tych, których wartość nie przekracza 300 zł (słownie: trzystu złotych).

[42] Total loss: Covered ↩

Covered in all Moto AC variants (Mini, Standardowy, Rozszerzony). A total loss occurs when the estimated repair cost exceeds 70% of the vehicle's market value on the day of the loss (not exceeding the sum insured). Compensation = market value of vehicle on day of loss (per Eurotax) minus residual value (wreck), determined by expert system or internet auction. Applicable vehicle value range: 10,000–500,000 PLN. Optional Stała Suma Ubezpieczenia clause freezes the value at policy inception, applicable also to total loss calculation.

Wartość szkody całkowitej ustalimy, poprzez odjęcie od rynkowej wartości Twojego pojazdu, którą wyliczymy na dzień szkody w systemie eksperckim (nie wyższą jednak niż ta wskazana przez nas na polisie), wartości pozostałości pojazdu po szkodzie (wartość np. wraku) ustaloną indywidualnie za pomocą systemu eksperckiego lub na podstawie oferty aukcji internetowych na pozostałości pojazdu.

[43] Partial loss: Covered ↩

Covered in all variants for events listed per variant in Table 2 (OWU pt 13). Partial loss is any damage other than total loss. Settlement method depends on chosen variant: Mini uses expert cost estimate (95 PLN/h net labour) or partner workshop repair with alternative parts; Standardowy Wycena Ekspercka uses cost estimate only; Standardowy Serwis uses partner or non-authorised workshop repair or cost estimate; Rozszerzony uses ASO, partner or non-authorised workshop with original parts. Depreciation table applies to cost-estimate calculations only (0–3 yrs: 15%; 4–5 yrs: 25%; 6–8 yrs: 40%; 9–10 yrs: 50%; 11+ yrs: 60%). Additional benefits included: parking costs up to 500 PLN/event (max 3 working days after inspection); towing to chosen workshop up to 2,000 PLN/event; post-accident technical inspection costs; child seat replacement up to 1,500 PLN; overseas repair up to 4,000 PLN equivalent.

Sposób likwidacji szkody częściowej będzie zgodny z wybranym przez Ciebie wariantem Moto AC. Po zarejestrowaniu szkody wskażemy Ci, w jaki sposób możesz uzyskać odszkodowanie lub gdzie i jak naprawić pojazd.

[44] Theft & robbery: Covered ↩

Covered in all Moto AC variants (Mini, Standardowy, Rozszerzony). Includes full vehicle theft, robbery, and theft of parts/equipment. Theft of parts and third-party actions (including attempted theft damage) are not covered in the Mini variant but are covered in Standardowy and Rozszerzony. Compensation equals market value per Eurotax on day of theft (not exceeding sum insured). Requires vehicle deregistration and surrender of all keys/devices. Theft without force (no robbery) is excluded if the insured left keys in the vehicle, failed to secure keys outside, or failed to activate available anti-theft systems — unless the insured is not culpable. Notification to police required within 2 days of discovering theft; insurer notification within 2 days of discovery.

W przypadku kradzieży pojazdu wysokość odszkodowania wyniesie tyle, ile wartość Twojego pojazdu, którą ustalimy w oparciu o: a) wartość Twojego pojazdu z dnia kradzieży w systemie eksperckim Eurotax, jednak nie większą niż suma ubezpieczenia;

[45] Glass damage: PLN 5,000 ↩

Available as a separate optional module (Moto Szyby). Covers repair or replacement of front, rear and side windows in the insured vehicle, including ADAS system calibration where required after repair or replacement. Only replacement glass (szyba zamienna) is used, not OEM-branded. Repairs organised and carried out only in Poland at partner workshops. Sum insured: 5,000 PLN (reduces after each payout). No deductible on first claim. From second claim onward: 30% own contribution on parts and labour costs (unless first claim was a repair, not full replacement). Vehicles imported from USA or Canada, and glass forming an integral part of the roof, are excluded. Eligible vehicles: max 20 years old, passenger cars and light commercial up to 3.5t GVW.

Górną granicę naszej odpowiedzialności stanowi suma ubezpieczenia, która wynosi 5000 zł (słownie: pięć tysięcy złotych).

[46] Natural perils: Covered ↩

Covered in all Moto AC variants (Mini, Standardowy, Rozszerzony). Includes damage caused by: heavy rain, hail, avalanche, landslide, flood, fire, strong wind, earthquake, lightning strike, ground subsidence, and other unlisted but classified natural forces. Also includes damage by a fallen tree or tree branch, and damage to wiring by an animal. Compensation up to the vehicle's sum insured.

uszkodzenia lub zniszczenia pojazdu lub jego części wskutek działania takich czynników zewnętrznych jak: deszcz nawalny, grad, lawiny, osuwanie się ziemi, powódź, pożar, silny wiatr, trzęsienie ziemi, uderzenie pioruna, zapadania się ziemi i inne, niewymienione żywioły, a klasyfikowane do tej kategorii;

[47] Vandalism: Conditional ↩

Covered under 'Działanie osób trzecich' (third-party actions) and 'Szkoda parkingowa' (parking damage) categories. Not covered in Moto AC Mini variant. Covered in Standardowy (Wycena Ekspercka and Serwis) and Rozszerzony variants. 'Działanie osób trzecich' includes: acts of vandalism, partial theft (theft of vehicle parts), damage during attempted theft, intentional destruction or damage including arson. 'Szkoda parkingowa' covers damage in private or public car parks during parking manoeuvres, including scratches, dents, cracked lights, cracked side or front glass. 'Inne zdarzenia' (other events, e.g. animal damage) and 'Zawirusowanie/włamanie do systemów elektronicznych' (virus/electronic system intrusion) covered only in Rozszerzony variant.

działanie osoby niebędącej Ubezpieczonym, współubezpieczonym ani osobą uprawnioną do korzystania z pojazdu lub zaniechanie działania, które doprowadziło do powstania szkody w pojeździe objętym ochroną ubezpieczeniową. Działanie osób trzecich obejmuje w szczególności: akty wandalizmu, kradzież częściową (kradzież elementu lub części pojazdu objętych ubezpieczeniem), uszkodzenie pojazdu podczas próby jego kradzieży, celowe zniszczenie lub uszkodzenie pojazdu, w tym podpalanie pojazdu;

[48] Roadside assistance: Optional ↩

Available as a separate optional module (Moto Assistance) in four variants: Podstawowy, Podstawowy Plus, Standardowy, Premium. Podstawowy: towing up to 200 km in Poland and EU, towing of third-party vehicle up to 100 km (PL only), no age limit for vehicle. Podstawowy Plus: towing up to 100 km PL, replacement vehicle (class C, max 3 days), hotel up to 3 nights (500 PLN/person/night), return home, no age limit. Standardowy: towing up to 400 km PL/EU, replacement vehicle (class D, max 5 days), hotel up to 5 nights, return home, scrapping in EU up to 250 EUR, vehicle age max 20 years. Premium: unlimited towing in PL, up to 1,000 km EU, replacement vehicle (class E, max 8 days), hotel up to 8 nights, return home, return to collect repaired vehicle, remains transport, scrapping in EU, vehicle age max 15 years. Alarm Centre available 24/7: 801 300 515 or 71 77 32 333. Coverage territory: Poland and EU (excluding Russia, Belarus, Ukraine, Moldova) for all variants. Excludes events on unpaved dirt roads, vehicle immobilisation not required by law, AC damage (unless extreme temperature), spare parts costs on-site. EV battery discharge assistance included (transport to nearest public charging point).

W ramach ubezpieczenia zorganizujemy i pokryjemy koszty świadczeń assistance wynikających z poszczególnych wariantów ubezpieczenia w związku ze zdarzeniem, które miało miejsce w trakcie trwania ochrony ubezpieczeniowej.

[49] Replacement vehicle: PLN 1,000 ↩

Included within the Moto AC coverage (not as a separate module) when the insured vehicle is repaired at a partner workshop or authorised workshop (ASO), depending on the chosen Moto AC variant. Replacement vehicle must be in the same market segment as the insured vehicle but no higher than segment C. If the partner or ASO workshop cannot provide a replacement vehicle, CATU reimburses documented rental costs up to 1,000 PLN per event. A broader replacement vehicle entitlement (3–8 days, class C–E) is available as part of the optional Moto Assistance module.

Jeśli warsztat partnerski lub ASO nie będzie dysponował samochodem zastępczym, zwrócimy Ci koszty poniesione, we własnym zakresie, na wynajem pojazdu zastępczego. Zwrotu dokonamy na podstawie okazanej przez Ciebie faktury dokumentującej wynajem pojazdu zastępczego do kwoty nie wyższej niż 1000 zł.

[50] Driver accident: PLN 100,000 – PLN 500,000 ↩

Available as a separate optional module (Moto NNW) in three sum-insured variants: 100,000 PLN, 300,000 PLN, or 500,000 PLN per event and per person. Covers: health impairment (permanent disability) of driver and passengers resulting from a road accident, assessed per the Body Injury Table (Tabela Uszkodzeń Ciała) at 0.5% of sum insured per 1% disability; death of driver or passengers within 2 years of the accident (50% of sum insured); death of a pet transported in the vehicle (2,000 PLN one-time payment). Excludes: unfastened seat belts, overcrowding, illness-triggered events (heart attack, stroke), general exclusions. Notification deadline: 7 days from the event (unless health prevents it). Vehicle age limit for variants 300,000 and 500,000: max 20 years.

Górną granicę naszej odpowiedzialności stanowią sumy ubezpieczenia przewidziane na zdarzenie i na osobę, które jednocześnie są wariantem ubezpieczenia: a) 100 000 zł (słownie: sto tysięcy złotych), b) 300 000 zł (słownie: trzysta tysięcy złotych), c) 500 000 zł (słownie: pięćset tysięcy złotych).

[51] Own damage: 100% of insured sum ↩

ALLRISK AC covers all-risk damage to the vehicle including collision, accident, fire, explosion, thermal and chemical factors, vandalism, natural perils, and animal collision. Compensation is paid up to the vehicle insured sum. Partial loss compensation does not reduce the insured sum. Three settlement variants available: Kosztorys (estimate-based cash payout, no depreciation on replacement parts), Warsztat/Optimum (repair in non-authorised workshop), ASO/Komfort (repair in any workshop including authorised dealer, no depreciation on original parts).

[52] Total loss: 100% of insured sum ↩

Total loss is declared when repair costs exceed 80% of the undamaged vehicle value at the date of loss. In case of total loss, compensation equals the insured sum (vehicle market value at date of loss), and the insured sum is depleted. No deductible (franszyzę integralną) applies.

[53] Partial loss: 100% of insured sum ↩

Partial loss is covered up to the vehicle insured sum. Compensation paid for partial loss does not reduce the insured sum (non-depleting coverage for partial claims). No deductible (franszyza integralna) applies. Settlement method depends on chosen variant: estimate-based (Kosztorys), workshop repair (Warsztat/Optimum), or ASO repair (Komfort).

[54] Theft & robbery: 100% of insured sum ↩

Covers theft of the vehicle, theft with break-in, robbery, and theft of vehicle parts and equipment. Theft compensation depletes the insured sum. Theft is excluded for events occurring in Belarus, Moldova, Russia, Israel, Turkey, Algeria, and Ukraine. Required anti-theft devices must be in place.

[55] Glass damage: Covered ↩

Glass damage (windscreen and other vehicle glass) is covered within the ALLRISK AC scope. The OWU contains a dedicated section on glass repair/replacement. Covered under the general all-risk scope of the AC policy.

[56] Natural perils: 100% of insured sum ↩

Covered as part of the all-risk scope: hurricane/windstorm, hail, flood, lightning strike, landslide, avalanche, and other natural forces. No separate sub-limit — covered up to the vehicle insured sum.

[57] Vandalism: 100% of insured sum ↩

Vandalism (dewastacja) is explicitly named as a covered peril in the ALLRISK AC scope. Covered up to the vehicle insured sum.

[58] Roadside assistance: Not established from the insurer's documents ↩

Motor Assistance is a separate optional product available in four variants: Podstawowy (basic, Poland only), Standard (PLN 5,000 sum, towing unlimited in Poland / 200 km in Europe, replacement vehicle 3 days after accident or theft), Komfort, and Super (PLN 25,000 sum). The Standard variant is typically bundled with the AC package. Includes on-site repair, towing, replacement vehicle, fuel delivery, tyre change, and battery start. 24/7 helpline available.

[59] Replacement vehicle: Not established from the insurer's documents ↩

Replacement vehicle is provided as part of the Motor Assistance add-on. In the Standard assistance variant: 3 days after accident or theft. Higher assistance variants provide longer periods. Not included in the base AC coverage without an assistance rider.

[60] Driver accident: Optional ↩

NNW (accident insurance for driver and passengers) is a separate optional product available alongside AC. It covers permanent disability and death resulting from a traffic accident. The insured sum and coverage scope are defined in the NNW-specific OWU section. Not included in base ALLRISK AC coverage.

[61] Own damage: PLN 8,000 – PLN 90,000 ↩

Covers damage to the insured vehicle and its equipment resulting from any accidental event not explicitly excluded (all-risk formula), including collision with another vehicle, object or animal, road accidents, overturning, fire, explosion and flooding. Breakdown (awaria) from internal mechanical or electrical causes is excluded. The insured sum should correspond to the gross market value of the vehicle and ranges from 8,000 PLN to 90,000 PLN in the sales system. Compensation is determined according to the chosen settlement variant. An integral deductible of 300 PLN applies; a voluntary excess of 0 / 500 / 1,000 / 2,000 PLN is chosen at inception.

W ramach ubezpieczenia Autocasco, w przypadku wystąpienia szkody, EUROINS wypłaci odszkodowanie: za naprawę pojazdu

[62] Total loss: PLN 8,000 – PLN 90,000 ↩

Total loss is triggered when estimated repair costs exceed 75% of the vehicle market value on the date the loss occurred, or when the vehicle is stolen. Compensation equals the vehicle market value on the date of settlement minus the market value of the residual wreck determined individually, settled using Audatex, Eurotax-Carwert or DAT at ASO-level parts prices. If the optional fixed-sum rider is active, compensation equals the sum insured stated on the policy. The sum insured reduces after each claim payment unless the sum-reduction-waiver option is purchased.

za szkodę całkowitą w przypadku, gdy koszty naprawy pojazdu będą wyższe niż 75% wartości rynkowej pojazdu na dzień powstania szkody

[63] Partial loss: PLN 8,000 – PLN 90,000 ↩

Partial loss applies when repair costs do not exceed 75% of the vehicle market value on the date the loss occurred. Under Wariant Kosztorys settlement is based on the insurer estimate at 100 PLN/h (net), alternative parts at average market prices, with depreciation by vehicle age (15%-60%). Under Wariant Sieć Partnerska repair is in a partner workshop with no parts depreciation when documented by invoice. Under Wariant ASO settlement is based on authorised-service invoices at producer prices and local ASO average labour rates. Emergency foreign repairs up to 1,000 EUR may be authorised without prior insurer consent.

Wariant Kosztorys – odszkodowanie za naprawę pojazdu zostanie wypłacone na podstawie kosztorysu sporządzonego w systemie Eurotax-Carwert, Audatex lub DAT.

[64] Theft & robbery: PLN 8,000 – PLN 90,000 ↩

Covers theft (kradzież z włamaniem), robbery (rozbój), armed robbery (kradzież rozbójnicza) and extortion (wymuszenie rozbójnicze) resulting in appropriation of a vehicle secured as required by its construction and these OWU. Compensation equals the vehicle market value at the time of loss. Before payout the insured must transfer vehicle ownership to EUROINS and surrender all keys, cards and anti-theft devices declared at inception. Theft losses are excluded if the vehicle was left unattended with documents or keys inside, or without all factory anti-theft systems activated, unless stolen from a locked premises or the perpetrator used force.

w przypadku kradzieży pojazdu w kwocie odpowiadającej wartości rynkowej pojazdu aktualnej na dzień szkody lub w wysokości sumy ubezpieczenia

[65] Glass damage: Covered ↩

Windscreen and glass damage is covered under the all-risk scope of EUROINS Autocasco as a partial loss, subject to the standard 300 PLN integral deductible and the chosen settlement variant. No separate glass-only sub-limit is defined in the OWU; glass damage is settled as any other partial loss.

[66] Natural perils: PLN 8,000 – PLN 90,000 ↩

Damage caused by forces of nature is included in the all-risk formula of EUROINS Autocasco, covering storms, hail, flooding, inundation, fire and other natural events causing sudden damage. Standard exclusions apply. Covered up to the insured sum (8,000-90,000 PLN).

Ubezpieczenie Autocasco (EUROINS AC) pokrywa koszty naprawy samochodu uszkodzonego wskutek wszelkiego rodzaju zdarzeń losowych (formuła “ALL RISK”), tj. wypadków drogowych, działania żywiołów, czy też aktów wandalizmu, a także zapewnia rekompensatę w razie jego kradzieży lub w przypadku szkody całkowitej.

[67] Vandalism: PLN 8,000 – PLN 90,000 ↩

Vandalism, defined as intentional destruction or damage of the vehicle by a third party, is covered under the all-risk formula of EUROINS Autocasco. This peril was explicitly defined and introduced in OWU E-K-10/24 effective 2024-10-10. Standard exclusions apply. Covered up to the insured sum (8,000-90,000 PLN).

Ubezpieczenie Autocasco (EUROINS AC) pokrywa koszty naprawy samochodu uszkodzonego wskutek wszelkiego rodzaju zdarzeń losowych (formuła “ALL RISK”), tj. wypadków drogowych, działania żywiołów, czy też aktów wandalizmu, a także zapewnia rekompensatę w razie jego kradzieży lub w przypadku szkody całkowitej.

[68] Roadside assistance: PLN 5,000 – PLN 50,000 ↩

Roadside assistance is a separate optional product within the EUROINS AUTO package and is not part of EUROINS Autocasco. Available in 5 variants: Podstawowy (5,000 PLN/event, Poland, collision only, max 2 interventions/year), Rozszerzony Polska (10,000 PLN/event, Poland, max 2/year), Rozszerzony Europa (10,000 PLN/event, Europe, max 2/year), Maksymalny (25,000 PLN/event, Europe, max 2/year) and Maksymalny PLUS (50,000 PLN/event, Europe, max 3/year). Services include towing, on-site repair, replacement vehicle (2-7 days), hotel accommodation, travel continuation and fuel delivery. Requires an active EUROINS OC policy.

[69] Replacement vehicle: Conditional ↩

A replacement vehicle is available conditionally: under EUROINS Assistance Pomoc na drodze (variants Rozszerzony Polska, Rozszerzony Europa, Maksymalny, Maksymalny PLUS) for 2-7 days after towing, up to segment C or comparable at insurer cost; and under Wariant Sieć Partnerska of the Autocasco settlement as an additional service via the Partner Network repair organisation. Under the Kosztorys and ASO variants a replacement vehicle is not directly organised by EUROINS as part of the AC benefit.

W tym wariancie ubezpieczenia w przypadku zlecenia naprawy do jednego z warsztatów Sieci Partnerskiej zapewniony jest samochód zastępczy na okres naprawy oraz usługa dostarczenia pojazdu do warsztatu, a po wykonanej naprawie do miejsca zamieszkania kierowcy (usługa „door-to-door”).

[70] Driver accident: PLN 5,000 – PLN 100,000 ↩

Personal accident coverage is a separate optional product (EUROINS NNW) within the EUROINS AUTO package, not part of EUROINS Autocasco. EUROINS NNW covers permanent consequences of accidents for the driver and passengers, with 3 sum variants: 5,000 / 15,000 / 45,000 PLN per person. Additionally EUROINS NNW - Dodatkowa Ochrona Kierowcy offers a separate 100,000 PLN sum for the driver when permanent impairment of at least 50% is confirmed. Benefits: 1% of the sum per 1% of permanent impairment; 100% of the sum for death.

[71] Own damage: 100% of insured sum ↩

Covers loss, destruction or damage to the vehicle and basic equipment resulting from: vehicle collision, sudden contact with persons/animals/objects from outside, vandalism, fire, explosion, flooding, sudden natural forces, sudden thermal/chemical factor from outside, hacking or virus infection of vehicle electronic systems. In Variant III (All Risk) also covers any event not explicitly excluded. In Variant II the minimum claim value is 500 PLN (gross); Variant I covers total loss only and Variant III (All Risk) covers all events not excluded.

a) zderzenie się pojazdów; b) nagłe zetknięcie się pojazdu z osobami, zwierzętami lub przedmiotami z zewnątrz pojazdu; c) wandalizm;

[72] Total loss: 100% of insured sum ↩

Total loss is defined as theft of the vehicle or damage where repair costs exceed 70% of the vehicle's market value on the loss date (for Variants II and III with Sieć Partnerska/ASO settlement), or 70% with Kosztorys variant. Settlement is at market value on the loss date, less residual value, up to the sum insured. With the Stała Suma Ubezpieczenia clause (Variant III only), the insured sum from the contract date applies throughout the policy.

kradzież pojazdu lub szkoda, której koszty naprawy przekraczają 70% wartości rynkowej pojazdu w dniu powstania szkody

[73] Partial loss: 100% of insured sum ↩

Covers partial damage to the vehicle. Settlement method chosen at contract: Kosztorys (estimate-based, alternative parts, labour rate 65 PLN/h gross), Sieć Partnerska (cashless via partner workshop network, alternative parts), or ASO (original manufacturer parts). In Variant II the minimum claim value is 500 PLN (gross). Not available in Variant I.

Minimalna wartość szkody w Wariancie II Autocasco 500 zł (brutto)

[74] Theft & robbery: 100% of insured sum ↩

Coverage for theft of the vehicle or its parts, including destruction or damage directly related to the theft. Exclusions apply if the vehicle was not secured as its construction provides, keys/documents were not secured outside the vehicle, or required documents/keys are not presented to ERGO Hestia (unless the breach did not contribute to the loss or the vehicle was lost through robbery). Theft coverage in Variant I is total loss only; Variants II and III cover partial and total theft losses.

w wyniku kradzieży pojazdu lub jego części, jeżeli: a) w chwili kradzieży pojazd nie był zabezpieczony w sposób przewidziany jego konstrukcją;

[75] Glass damage: PLN 5,000 ↩

Covers repair or replacement of damaged/destroyed windscreen, front panoramic glass, rear glass or side windows, organized via ERGO Hestia's partner service points. Covered events include all causes not excluded, within Europe. Alternative parts used; original parts if alternatives unavailable. Deductible of 50 PLN applies to replacement/repair of windscreen or front panoramic glass. Sum insured 5,000 PLN. Available in OC Variants II and III as an additional coverage included in the package.

ERGO Hestia zapewnia naprawę albo wymianę zniszczonej lub uszkodzonej szyby, jeżeli szyba czołowa, przednia szyba panoramiczna, szyba tylna lub szyba boczna pojazdu wymienionego w umowie ubezpieczenia, ulegnie uszkodzeniu bądź zniszczeniu.

[76] Natural perils: 100% of insured sum ↩

Included in base Autocasco coverage across all variants. Covers fire, explosion, flooding (submersion), sudden action of natural forces (including hail, hurricane, flood, lightning strike, falling trees/masts/aircraft), sudden thermal or chemical factor from outside the vehicle. Defined broadly in OWU as 'zdarzenia losowe' including: hail, hurricane, flood, earth movement, avalanche, snow pressure, earthquake, lightning, falling objects.

c) grad; d) huk ponaddźwiękowy; e) huragan – działanie wiatru o prędkości nie mniejszej niż 15 m/s, który wyrządza masowe szkody;

[77] Vandalism: 100% of insured sum ↩

Explicitly included in all Autocasco variants (I, II, III). Vandalism is defined as intentional destruction or damage of the insured property by a third party. Also covered in Car Assistance scope triggering roadside assistance services.

c) wandalizm;

[78] Roadside assistance: PLN 5,000 – PLN 25,000 ↩

Car Assistance covers immediate roadside help organized via 24/7 Alarm Centre. Available in Variant Wypadek (accident) and Variant Awaria (breakdown), with optional TURBO extension. Basic sum insured 5,000 PLN per variant; TURBO increases to 25,000 PLN per variant. Services include: towing (Poland up to 500 km, abroad up to 250 km), replacement vehicle (up to 5-7 days standard, up to 20 days TURBO after theft), trip continuation, fuel delivery, on-site repair, accommodation up to 3 nights, psychologist assistance, secure parking (up to 300 PLN), scrapping, replacement driver, pick-up/delivery of repaired vehicle. Territorial scope: Europe (vehicle), Poland (bicycle).

Ubezpieczenie Car Assistance obejmuje koszty udzielenia natychmiastowej pomocy za pośrednictwem Centrum Alarmowego.

[79] Replacement vehicle: PLN 3,000 ↩

In all AC variants, after theft of the vehicle: replacement vehicle up to 7 days or a cash payment instead, accommodation up to 3 days and trip continuation; sum insured 2,000 PLN for each service. In OC Variant III: replacement vehicle for collision caused by the insured driver, sum 3,000 PLN. In Car Assistance: replacement vehicle up to 5 days (accident/breakdown), up to 7 days (theft) in standard; up to 20 days in TURBO variant. Costs of fuel, insurance and additional fees for the replacement vehicle are excluded.

Zakres usług przysługujących w przypadku kradzieży pojazdu (suma ubezpieczenia 2000 zł dla każdej z usług) ... Pojazd zastępczy (do 7 dni) albo Wypłata środków TAK TAK TAK TAK TAK TAK

[80] Driver accident: PLN 10,000 – PLN 60,000 ↩

Optional personal accident insurance for the driver and passengers resulting from vehicle use. Three variants: I (10,000 PLN sum), II (30,000 PLN sum), III (60,000 PLN sum). Benefits: death (100% sum insured in Variants I and II; 200% in Variant III), permanent disability (per injury table in Appendix 1), temporary disability (1‰ per day up to 180 days), medical costs (up to 30% sum insured). Worldwide territorial scope. Excludes rehabilitation and transport costs.

Ubezpieczenie Następstw Nieszczęśliwych Wypadków Kierowcy i Pasażerów obejmuje następstwa nieszczęśliwych wypadków wynikające z używania pojazdu, których doznał kierowca lub pasażerowie ubezpieczonego pojazdu.

[81] Own damage: 100% of insured sum ↩

Mini variant: covers only damage caused by natural perils (Żywioły: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, ground subsidence) and theft of the whole vehicle (no theft of parts). Midi and Maxi variants: cover all insured events including collision with another vehicle or object, vandalism, and theft of parts. Indemnity is capped at the vehicle's market value on the day of loss; the insured sum does not decrease after a partial loss payment. Parts pricing: Mini uses comparable-quality parts; Midi uses original parts; Maxi uses original service parts. Where no repair invoices are submitted, a fixed rate of PLN 60 net per labour-hour applies regardless of variant.

W wariancie Autocasco Mini, z zastrzeżeniem §4, ochroną ubezpieczeniową objęte są Szkody powstałe wskutek Zdarzeń ubezpieczeniowych spowodowanych przez Żywioły lub Kradzież Pojazdu. Ochroną ubezpieczeniową nie są objęte szkody polegające na utracie części Pojazdu wskutek kradzieży.

[82] Total loss: 100% of insured sum ↩

A total loss is declared when estimated repair costs (calculated gross, including VAT, using Audatex/Eurotax/DAT systems with manufacturer time norms and variant-appropriate parts pricing) exceed 70% of the vehicle's market value on the day of loss. Indemnity equals the market value of the vehicle on the day of loss (per Eurotax) minus the market value of salvage remains. Maxi variant: labour rate based on average ASO rates in the registration province; Mini/Midi: based on average rates in Generali partner workshops outside ASO network.

Ubezpieczyciel ustala, czy ma miejsce Szkoda całkowita w ten sposób, że Wartość rynkową pojazdu w dniu zaistnienia Szkody, w stanie sprzed Szkody, określoną na podstawie systemu Eurotax, porównuje się do kosztów naprawy Pojazdu ustalonych według zasad określonych w ust. 2.

[83] Partial loss: 100% of insured sum ↩

Covered in Midi and Maxi variants for all insured events (collision, vandalism, natural perils, etc.). In Mini, partial damage from natural perils is covered but partial theft of parts is not. Indemnity settled either via Generali's own cost estimate or based on actual invoices from a Generali partner workshop (Mini/Midi) or any workshop including ASO (Maxi). Labour rate: Maxi – actual workshop rate up to average ASO rate in the province; Mini/Midi – Generali partner workshop rate outside ASO. Wear deductions applied to tyres, battery, exhaust and brake friction elements. Insured sum does not reduce after payment.

Przy ustalaniu Odszkodowania za Szkody polegające na uszkodzeniu ogumienia, akumulatora oraz elementów układu wydechowego, elementów ciernych układu hamulcowego uwzględnia się indywidualne zużycie eksploatacyjne tych części Pojazdu stosownie do ich stanu faktycznego.

[84] Theft & robbery: 100% of insured sum ↩

All three variants cover theft of the whole vehicle (ordinary theft, break-in theft, robbery, theft with violence, extortion – per Polish Penal Code arts. 278-282). Mini variant covers only whole-vehicle theft, not theft of parts or accessories. Midi and Maxi additionally cover theft of parts and standard equipment. Indemnity equals the market value of the vehicle on the day of theft (Eurotax). Theft is excluded where the insured negligently left keys, remote controls, code cards or vehicle documents inside or outside the vehicle. Theft coverage is additionally excluded for events occurring in Albania, Moldova and Ukraine.

Kradzież – działania sprawcy wyczerpujące znamiona jednego z czynów karalnych określonych w polskim Kodeksie Karnym tj. kradzieży zwykłej (art. 278), kradzieży z włamaniem (art. 279), rozboju (art. 280), kradzieży rozbójniczej (art. 281) albo wymuszenia rozbójniczego (art. 282);

[85] Glass damage: Conditional ↩

Glass damage is not covered as a separate module within this product. In Midi and Maxi variants, damage to glass caused by an insured event (collision, vandalism, natural perils) is included within the general partial-loss coverage up to the vehicle's insured sum. There is no standalone glass-only module or separate glass sublimit in this OWU. Mini covers glass damage only if caused by natural perils (Żywioły).

[86] Natural perils: 100% of insured sum ↩

Covered in all three variants (Mini, Midi, Maxi). Natural perils (Żywioły) are defined as: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, and ground subsidence. This is the only risk category covered by the Mini variant for partial damage. Indemnity capped at the vehicle's insured sum.

Żywioły – deszcz, grad, wiatr, lawina, osuwanie się ziemi, powódź, pożar, trzęsienie ziemi, trąba powietrzna, uderzenie pioruna, zapadanie się ziemi;

[87] Vandalism: 100% of insured sum ↩

Covered in Midi and Maxi variants as part of comprehensive coverage for all insured events. Not covered in Mini variant (which is limited to natural perils and whole-vehicle theft). Indemnity for partial damage applies per §16 of the OWU, capped at the vehicle's market value. Acts of war, civil commotion, riots, terrorism and participation in protest blockades are explicitly excluded across all variants.

W wariancie Autocasco Midi oraz Autocasco Maxi, z zastrzeżeniem §4, ochroną ubezpieczeniową objęte są Szkody powstałe w wyniku wszelkich Zdarzeń ubezpieczeniowych, w tym również będące następstwem Kradzieży Pojazdu lub jego części.

[88] Roadside assistance: Excluded ↩

Roadside assistance is not part of this Autocasco product. Assistance is sold as a separate insurance product for Santander Bank Polska customers (separate OWU). This OWU covers only physical damage to and theft of the vehicle.

[89] Replacement vehicle: Excluded ↩

A replacement vehicle is not included in this Autocasco product. No provision for a courtesy or hire car appears in the OWU. Customers requiring a replacement vehicle must purchase a separate Assistance product.

[90] Driver accident: Excluded ↩

Personal accident insurance for the driver is not included in this Autocasco product. NNW coverage is offered as a separate insurance product for Santander Bank Polska customers under a separate OWU.

[91] Own damage: 100% of insured sum ↩

In variants Autoryzowany, Partnerski and Kosztorysowy: all-risk formula covering damage, destruction or loss of the insured vehicle and its permanently installed parts and equipment resulting from any insured event (wypadek ubezpieczeniowy), including road accidents, fire, explosion, weather events, vandalism, animal collision, and theft of the whole vehicle. Sum insured corresponds to the market (gross) value of the vehicle at policy inception and is not reduced after each claim payment unless the optional 'Bez konsumpcji sumy' add-on is not purchased. In variant Mini: coverage is limited to damage caused by natural perils (żywioły), damage to electrical installation and upholstery by animals, and full vehicle theft (no collision/accident coverage). Total-loss threshold is 70% of vehicle market value on the day of the loss.

Ubezpieczeniem autocasco w wariancie Autoryzowanym, Partnerskim i Kosztorysowym objęte są szkody polegające na uszkodzeniu, zniszczeniu lub utracie: 1) pojazdu;

[92] Total loss: 100% of insured sum ↩

Total loss (szkoda całkowita) is declared when repair is technically impossible or when the repair cost (calculated per §25 of OWU PA7) exceeds 70% of the vehicle's market value on the day of the loss event. In case of total loss, compensation equals the market value of the vehicle at the date of the loss minus the residual (salvage) value. Residual value is assessed via Info-Ekspert or Eurotax databases and may also be determined via an online platform bid. This applies across all variants (Autoryzowany, Partnerski, Kosztorysowy, Mini) for full-vehicle loss.

Po ustaleniu, że zachodzi szkoda całkowita InterRisk ustala wysokość odszkodowania w kwocie odpowiadającej wartości pojazdu w dniu zajścia wypadku ubezpieczeniowego pomniejszonej o wartość rynkową pozostałości pojazdu.

[93] Partial loss: 100% of insured sum ↩

Partial loss (szkoda częściowa) is a vehicle damage where repair is feasible and repair cost does not exceed 70% of market value. Repair cost calculation depends on the variant: Autoryzowany – OEM ASO parts with depreciation applied per age table; Partnerski / Kosztorysowy / Mini – comparable, original or OEM parts by economic criterion with depreciation table applied to OEM ASO prices (30% up to 3 yrs, 45% >3–5 yrs, 55% >5–7 yrs, 65% >7 yrs). If invoices are submitted, insurer uses actual repair invoices and verifies against Audatex/Eurotax/DAT; if not, a flat rate of PLN 92 gross per labour hour applies. Additional costs (storage, towing, key re-coding) reimbursed up to 10% of sum insured.

Z zastrzeżeniem ust. 2, koszty naprawy pojazdu ustalane są na podstawie cen części: 1) oryginalnych ASO; 2) oryginalnych; 3) porównywalnej jakości.

[94] Theft & robbery: 100% of insured sum ↩

Theft (kradzież) of the whole vehicle is covered in all four variants (Autoryzowany, Partnerski, Kosztorysowy, Mini). Theft of parts or accessories (without full vehicle theft) is covered in Autoryzowany, Partnerski and Kosztorysowy, but NOT in Mini. Theft coverage does not apply by default in Belarus, Moldova, Russia and Ukraine; extension for Moldova and Ukraine is available for an additional premium (§17 ust. 1 pkt 4 and §7 ust. 2 OWU PA7). Compensation in case of theft equals the vehicle market value at the date of theft. Key-securing conditions must be met; claims may be denied if keys, remotes or vehicle documents were left in the vehicle or not secured outside the vehicle (§19 ust. 1 pkt 8). Exception: theft using force (robbery) always covered.

kradzieży pojazdu, z zastrzeżeniem że ochroną ubezpieczeniową nie są objęte szkody polegające na utracie trwale zamontowanych części pojazdu lub wyposażenia pojazdu.

[95] Glass damage: Covered ↩

Windscreen and vehicle glass damage (front, side, rear) caused by an insured event is covered under autocasco in all full-scope variants (Autoryzowany, Partnerski, Kosztorysowy) as part of the general own-damage scope. Glass damage is NOT separately covered in variant Mini. Additionally, AutoSzyby (glass insurance module) is available separately at extra premium as a standalone glass-only policy with a sum insured of PLN 3,000, covering only events occurring in Poland; 50% deductible applies from the second windscreen replacement claim onwards within the same policy year. AutoSzyby can be purchased with OC or AC regardless of vehicle age.

Ubezpieczeniem AutoSzyby objęta jest organizacja i pokrycie kosztów usług assistance polegających na naprawie lub wymianie szyby: czołowej, bocznej lub tylnej w ubezpieczonym pojeździe, o ile szyba nie stanowi integralnej części dachu pojazdu.

[96] Natural perils: 100% of insured sum ↩

Natural perils (żywioły) as defined in OWU PA7 §4 pkt 70: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, ground subsidence. Covered across all four variants including Mini. In Mini, natural perils and animal-related damage (collision with an animal, damage to interior by an animal) represent the core coverage together with full vehicle theft. In Autoryzowany, Partnerski and Kosztorysowy, natural perils are included as part of the comprehensive all-risk formula.

uszkodzeniu lub zniszczeniu pojazdu, trwale zamontowanych części pojazdu lub wyposażenia pojazdu wskutek żywiołów;

[97] Vandalism: 100% of insured sum ↩

Vandalism (acts of vandalism or break-in) by third parties is covered in variants Autoryzowany, Partnerski, and Kosztorysowy as part of the all-risk insured event (wypadek ubezpieczeniowy) scope. Vandalism is NOT covered in variant Mini (which covers only natural perils, animal damage and full vehicle theft). The insured event definition in PA7 OWU autocasco encompasses any event independent of the policyholder's will causing covered damage; damage caused intentionally by the insured or cohabitants is excluded (§19 ust. 2).

[98] Roadside assistance: PLN 5,000 – PLN 50,000 ↩

Roadside assistance is not part of the autocasco coverage itself but is available as a separate AutoAssistance module within Pakiet Auto+. Three tiers: Start (PLN 5,000 limit per event, Poland only, towing up to 50 km), Standard (PLN 25,000, Poland + optional Europe extension, towing up to 100 km, replacement vehicle up to 7 days), Premium (PLN 50,000, Poland + Europe, unlimited towing in Poland / 200 km abroad, replacement vehicle up to 14 days). AutoAssistance is a separate contract: the Standard variant requires that the same vehicle also have an OC or AC policy with InterRisk, and the Premium variant requires an AC policy (§9 ust. 4 OWU PA7). The Sieć Partnerska option (included at no extra cost when repair at a Partner Network workshop) provides a courtesy car for the duration of repair.

Górna granica odpowiedzialności InterRisk z tytułu jednego wypadku ubezpieczeniowego wynosi: 1) 5.000 zł w wariancie Start; 2) 25.000 zł w wariancie Standard; 3) 50.000 zł w wariancie Premium.

[99] Replacement vehicle: Conditional ↩

A replacement vehicle is provided under two separate mechanisms within Pakiet Auto+: (1) Sieć Partnerska option (automatically included at no extra cost when repair is performed at an InterRisk Partner Network workshop, covering passenger cars and vans in body style – excluding fleet-managed vehicles): provides a courtesy car for the full duration of repair (segment B or lower). The insurer also covers door-to-door vehicle collection and delivery, and post-repair 2-year warranty. (2) AutoAssistance Standard/Premium (separate optional module): replacement vehicle up to 3 days (awaria), 7 days (accident) or 7 days (theft) in Standard; up to 7/14/14 days respectively in Premium. In either case, car class up to C (Standard) or D (Premium). If the vehicle is not repaired via the Partner Network, replacement car availability depends on the AutoAssistance variant purchased.

opcja Sieć Partnerska obejmuje następujący pakiet świadczeń realizowanych na terytorium RP, przysługujących w przypadku powstania szkody objętej zakresem autocasco... organizację oraz pokrycie przez InterRisk kosztów wynajmu pojazdu zastępczego na czas naprawy ubezpieczonego pojazdu w warsztacie Sieci Partnerskiej;

[100] Driver accident: PLN 10,000 – PLN 100,000 ↩

Personal accident cover for driver and passengers is available as the separate NNW (Następstwa Nieszczęśliwych Wypadków) module within Pakiet Auto+, not as part of autocasco itself. Sum insured is individually selected from PLN 10,000 to PLN 100,000 per insured person. Benefits include: 100% of sum insured for death (if occurring within 2 years of the accident), 100% for 100% permanent disability, proportional % for lower disability, up to 30% for orthopaedic aids, up to 30% for vocational retraining, up to 10% for medical costs, and lump-sum payments for difficult treatment course or hospitalisation. Covers accidents in connection with vehicle movement or use. Excludes pre-existing conditions, intentional self-harm, war, and pandemic.

Suma ubezpieczenia wynosi w zależności od wyboru Ubezpieczającego od 10.000 zł do 100.000 zł.

[101] Own damage: Not established from the insurer's documents ↩

AC is written in All Risk formula and covers damage to the vehicle, hand luggage and child car seats caused by any sudden and unforeseen event. This includes collisions with other vehicles, persons, animals or external objects regardless of fault. The insured sum equals the vehicle value established at contract inception. Total loss threshold is 70% of pre-loss vehicle value. Three settlement variants apply: ASO (authorised service centre), Warsztat (non-ASO workshop) and Kosztorys (estimate-based cash payout).

Wypłacamy odszkodowanie za Szkodę, która powstanie na skutek wszelkich nagłych i nieprzewidzianych zdarzeń.

[102] Total loss: Not established from the insurer's documents ↩

A total loss (Szkoda całkowita) occurs when repair costs exceed 70% of the pre-loss vehicle value. Compensation is based on vehicle value at the date of loss (variable value option) or at policy inception (fixed value option), minus salvage value. No deductible applies to theft total loss; a deductible (specified in the policy) applies to accident total loss.

W opcji Zmienna wartość Pojazdu odszkodowanie ustalamy na podstawie wartości Pojazdu w dniu wystąpienia Szkody – w stanie sprzed Szkody – wyliczamy ją na podstawie Systemu do wyceny.

[103] Partial loss: Not established from the insurer's documents ↩

A partial loss (Szkoda częściowa) occurs when repair costs do not exceed 70% of the pre-loss vehicle value. Compensation is based on repair costs per the selected variant: ASO variant uses ASO labour rates and original OEM parts (O); Warsztat variant uses non-ASO workshop rates and original Q parts; Kosztorys variant uses a fixed 60 PLN/h net rate and alternative (P) parts or 35% discount off OEM serwisowe. Depreciation (amortisation) of 15–55% may apply based on vehicle age unless the amortisation buyout option is selected. Partial loss payout does not reduce the sum insured.

Gdy wystąpi Szkoda częściowa, odszkodowanie ustalamy w oparciu o koszty naprawy Pojazdu – uwzględniamy przy tym wybrane przez Ciebie: wariant i opcję ubezpieczenia.

[104] Theft & robbery: Not established from the insurer's documents ↩

Theft of the vehicle (kradzież, kradzież z włamaniem, rozbój as defined under the Polish Criminal Code art. 278, 279, 280) is covered under the base All Risk scope. Territorial exclusion applies: theft claims occurring in Russia, Belarus, Ukraine or Moldova are excluded. No deductible applies for vehicle theft. Prior to paying out, the insured must surrender all keys and alarm activators, deregister the vehicle and transfer ownership to LINK4. Theft must be notified to police immediately and to LINK4 within 2 days of discovery.

Ubezpieczenie obejmuje Szkody, które powstaną w Europie, za wyjątkiem Kradzieży, do której dojdzie na terenie Rosji, Białorusi, Ukrainy i Mołdawii.

[105] Glass damage: Not established from the insurer's documents ↩

Glass damage is included within the All Risk base scope of Auto Casco, as any damage to the vehicle (including windows/windscreen) caused by a sudden and unforeseen event is covered. Tyre damage is excluded unless other vehicle parts are also damaged in the same insured event. A separate Szyby 24 glass-only policy is also available as an add-on.

Nie wypłacamy odszkodowania za uszkodzenie lub zniszczenie ogumienia. Wyjątkiem jest sytuacja, w której Szkoda powstanie w wyniku zdarzenia objętego naszym ubezpieczeniem i uszkodzeniu lub zniszczeniu ulegną również inne części Pojazdu.

[106] Natural perils: Not established from the insurer's documents ↩

Covered under the All Risk formula. Natural perils include hail, hurricane, lightning strike, flood, landslide, avalanche, and other sudden acts of nature causing vehicle damage. Earthquake damage is explicitly excluded. Fire and explosion are covered.

Wypłacamy odszkodowanie za Szkodę, która powstanie na skutek wszelkich nagłych i nieprzewidzianych zdarzeń.

[107] Vandalism: Not established from the insurer's documents ↩

Damage caused by third parties (vandalism, deliberate or accidental damage by persons unknown) is covered under the All Risk formula since AC covers all sudden and unforeseen events unless expressly excluded. Wilful damage by the policyholder or household members is excluded.

Nie wypłacamy odszkodowania za Szkody, które: 1) wyrządzisz umyślnie – Ty lub osoba, z którą pozostajesz we wspólnym gospodarstwie domowym

[108] Roadside assistance: Not established from the insurer's documents ↩

Roadside assistance is not part of the Auto Casco product itself. It is provided under a separate product: Program Pomocy z Samochodem Zastępczym i Assistance Opony (included with the OC package) or Auto Assistance (a separately purchasable add-on in three tiers: Standard, Plus, Komfort).

[109] Replacement vehicle: Not established from the insurer's documents ↩

Available as a paid add-on ('Auto zastępcze na czas naprawy') under the ASO and Warsztat variants only. The insurer organises and covers rental costs for a replacement vehicle for the duration of repairs, up to 7 calendar days, limited to 2 claim events per policy period. Vehicle class matches insured vehicle up to class D. Costs of fuel, additional fees and non-OC/AC insurance are excluded. Replacement vehicle is organised within Poland only.

Samochód zastępczy przysługuje Ci na czas naprawy Pojazdu, ale nie dłużej jednak niż przez 7 dni kalendarzowych.

[110] Driver accident: Not established from the insurer's documents ↩

Personal accident coverage for the driver is not part of the Auto Casco product. It is available under a separate NNW (Następstwa Nieszczęśliwych Wypadków) product offered by LINK4.

[111] Own damage: Conditional ↩

Partial loss (szkoda częściowa) is covered under AC Uszkodzenie i Kradzież (all three settlement variants: Kosztorys, Sieć Partnerska, ASO) and AC Żywioły. It is NOT covered under AC Mini (total loss only) or AC Kradzież. The insured sum equals the market value of the vehicle at the date of policy inception, as determined by the Eurotax system, and decreases during the policy period as the vehicle depreciates. Minimum claim threshold is 500 PLN gross; claims below this amount are excluded. Settlement is by either the cost-estimate method (65 PLN/labour-hour, alternative-part prices) or the service method (authorised-workshop or partner-network rates).

Szkoda częściowa NIE TAK TAK TAK

[112] Total loss: Covered ↩

Total loss (szkoda całkowita) is covered under all four AC variants (AC Mini, AC Uszkodzenie i Kradzież, AC Kradzież, AC Żywioły). Total loss is declared when repair costs exceed 70% of the vehicle's market value on the date of loss. For AC Mini and AC Kradzież (cost-estimate only), repair costs are calculated using alternative-part prices and a labour rate of 65 PLN/hour (gross). For AC Uszkodzenie i Kradzież and AC Żywioły in the Sieć Partnerska variant, the 70% threshold is applied against the market value or the agreed fixed insured sum; labour rate capped at 110 PLN/hour. For the ASO variant, original-part prices and ASO workshop rates apply. Compensation equals the market value on the date of loss (established via the same Eurotax valuation source used at inception), less residual value of salvage.

kradzież pojazdu lub szkoda, której koszty naprawy przekraczają 70% wartości rynkowej pojazdu w dniu powstania szkody

[113] Partial loss: Conditional ↩

Partial loss from collision, contact with persons, animals or objects from outside the vehicle, vandalism, sporting-equipment collision, fire, explosion, flooding and sudden forces of nature, or sudden external thermal/chemical action is covered under AC Uszkodzenie i Kradzież (Kosztorys, Sieć Partnerska, ASO) and under AC Żywioły (limited to fire, explosion, flooding, natural forces, and external thermal/chemical action). AC Mini and AC Kradzież do not cover partial loss. Minimum damage threshold: 500 PLN gross.

pożar, wybuch, zatopienie oraz huragan, grad, uderzenie pioruna, lawina, powódź, trzęsienie ziemi oraz zapadanie ziemi niezwiązane z działalnością ludzką

[114] Theft & robbery: Covered ↩

Theft of the entire vehicle or its parts, including destruction or damage to the vehicle directly linked to theft (e.g. forced entry), is covered under AC Mini (total loss from theft only), AC Uszkodzenie i Kradzież (partial and total loss), and AC Kradzież (partial and total loss). Theft is excluded if the vehicle was not secured as its construction provides or keys/documents were not secured outside the vehicle, unless this did not contribute to the loss or the vehicle was lost through robbery. Compensation for stolen vehicle is paid after deregistration and transfer of title to ERGO Hestia. Settlement is under the cost-estimate (Kosztorys) method for AC Mini and AC Kradzież.

w chwili dokonania kradzieży pojazd nie był zabezpieczony w sposób przewidziany jego konstrukcją; ... klucze lub urządzenia służące do otwarcia i uruchomienia pojazdu lub dokumenty pojazdu nie były zabezpieczone poza pojazdem przed dostępem osób niepowołanych

[115] Glass damage: PLN 5,000 ↩

Covers repair or replacement of the front, rear or side windows of the insured vehicle in an approved service point indicated by ERGO Hestia (Ubezpieczenie Szyb). Insured sum: 5,000 PLN. Own share (deductible) for windscreen replacement: 150 PLN. Replacement is performed using alternative parts; original parts are used only if alternative parts are unavailable. Covered perils: collision, contact with persons/animals/objects from outside, vandalism, sporting-equipment collision, fire/explosion/flooding/forces of nature, external thermal/chemical action. Territorial scope: Europe. Excluded: panoramic roofs, sunroofs, previously unrepaired damage, and damage from misappropriation. This is an optional add-on to the main AC policy.

Suma ubezpieczenia 5 000 zł Udział własny 150 zł

[116] Natural perils: Covered ↩

Natural perils are covered under multiple variants. AC Uszkodzenie i Kradzież covers fire, explosion, flooding and sudden action of forces of nature (including hurricane, hail, lightning, avalanche, flood, earthquake, ground subsidence not related to human activity) for both partial and total loss within Europe plus Algeria, Morocco, Tunisia, Israel, Iran. AC Żywioły covers the same natural perils (fire, explosion, flooding, hurricane, hail, lightning, avalanche, flood, earthquake, and ground subsidence not related to human activity) plus external thermal/chemical action, for both partial and total loss, with the same extended territorial scope. AC Mini covers natural perils only when they result in total loss, within Poland only. The insured sum equals the vehicle market value (Eurotax). Minimum claim: 500 PLN gross.

pożar, wybuch, zatopienie oraz huragan, grad, uderzenie pioruna, lawina, powódź, trzęsienie ziemi oraz zapadanie ziemi niezwiązane z działalnością ludzką

[117] Vandalism: Conditional ↩

Vandalism (intentional destruction or damage of the insured vehicle by third parties) is covered as a cause of loss under AC Mini (total loss only) and AC Uszkodzenie i Kradzież (partial and total loss), within the respective territorial scope of each variant. Vandalism is NOT listed as a covered peril under AC Kradzież or AC Żywioły. The insured sum equals the vehicle market value. Minimum claim: 500 PLN gross.

c) wandalizm;

[118] Roadside assistance: PLN 1,000 – PLN 15,000 ↩

Optional add-on covering the costs of immediate assistance arranged via the Alarm Centre. Three variants: (1) Assistance po Wypadku – Poland only, insured sum 1,000 PLN, covers towing after accident (up to 100 km), no breakdown assistance, no replacement vehicle; (2) Assistance po Wypadku i Awarii w Polsce – Poland only, insured sum 10,000 PLN, covers towing after accident (150 km) or breakdown (150 km, max 2x per policy), on-site repair, fuel delivery; (3) Assistance po Wypadku i Awarii za Granicą – Poland and Europe, insured sum 15,000 PLN, all services including replacement vehicle (5 days), hotel (2 nights), driver substitute, vehicle pick-up and delivery. Services include towing, on-site repair, fuel delivery, transport of driver and passengers (up to 100 km), and 24/7 information helpline.

Suma ubezpieczenia 1 000 zł 10 000 zł 15 000 zł

[119] Replacement vehicle: Conditional ↩

A replacement vehicle is provided only under the Assistance po Wypadku i Awarii za Granicą variant (insured sum 15,000 PLN), for up to 5 days after an accident or theft of the insured vehicle. The replacement vehicle category corresponds to the insured vehicle's segment (segment B car for insured vehicles in segments A/B/C; segment C for segment D; segment D for above segment D). Costs of fuel, insurance, additional charges, and any excess on the replacement vehicle are not covered. Not available under Assistance po Wypadku or Assistance po Wypadku i Awarii w Polsce variants.

Samochód zastępczy po wypadku x x √ (5 dni)

[120] Driver accident: PLN 10,000 – PLN 25,000 ↩

Optional add-on covering personal accident consequences for the driver (NNW Kierowcy) or driver and passengers (NNW Kierowcy i Pasażerów). Insured sum per person: 10,000 PLN or 20,000 PLN for driver-only variant; 10,000 / 15,000 / 20,000 / 25,000 PLN for driver-and-passengers variant. Benefits: 100% of insured sum for death; lump-sum payment for permanent disability per the injury table in Annex 1; daily benefit of 1‰ of insured sum for temporary incapacity to work or study (from day 10 after accident, or from day 1 if incapacity lasted at least 30 days, up to max 180 days); reimbursement of documented medical treatment costs (up to 30% of insured sum), including dental restoration up to 20% of insured sum but not exceeding 2,000 PLN total and 200 PLN per tooth. Territorial scope: worldwide. Coverage also applies while boarding, alighting or performing routine vehicle maintenance (e.g. refuelling, washing).

Zgon Ubezpieczonego 100% sumy ubezpieczenia

[121] Own damage: Covered ↩

Covers repair costs for damage to the insured vehicle and its standard and additional equipment arising from collisions, third-party actions and other insured perils. Available in both basic (zakres podstawowy) and full (zakres pełny) scopes, with settlement in either cost-estimate (kosztorysowy) or service-network (serwisowy) variant. Specific sum insured equals the declared market value of the vehicle; no numeric limit is stated on the product page.

Polisa AC (autocasco) chroni pojazd przed niewielkimi szkodami częściowymi, ale także kosztownymi, wymagającymi skorzystania z warsztatu mechanicznego. Ubezpieczenie AC możesz zawrzeć w wariancie kosztorysowym bądź serwisowym.

[122] Total loss: Conditional ↩

Coverage against total destruction or irrecoverable loss of the vehicle. The product page states customers 'can protect themselves against total loss' (możesz zabezpieczyć się na wypadek szkody całkowitej), indicating this is available within the full scope (zakres pełny). Exact payout basis (e.g. market value at loss date minus deductible) is defined in the OWU and not disclosed on the product page.

Ponadto wybierając naszą ofertę możesz zabezpieczyć się na wypadek szkody całkowitej bądź kradzieży pojazdu.

[123] Partial loss: Covered ↩

The policy covers minor partial losses as well as significant damage requiring workshop repair, in both basic and full scopes. Specific coverage limits are set by the insured sum agreed at policy inception and are not disclosed on the product page.

Polisa AC (autocasco) chroni pojazd przed niewielkimi szkodami częściowymi, ale także kosztownymi, wymagającymi skorzystania z warsztatu mechanicznego.

[124] Theft & robbery: Conditional ↩

Covers vehicle loss due to theft (including partial theft of components). The product page states customers 'can protect themselves against theft' (możesz zabezpieczyć się na wypadek kradzieży pojazdu), suggesting this is primarily available in the full scope (zakres pełny). Anti-theft device requirements and territorial exclusions (if any) are detailed in the OWU.

Ponadto wybierając naszą ofertę możesz zabezpieczyć się na wypadek szkody całkowitej bądź kradzieży pojazdu.

[125] Glass damage: Covered ↩

Glass damage (e.g. windscreen, side windows) is part of the general vehicle damage coverage under the AC policy. No separate glass sublimit or standalone glass rider is mentioned on the product page; details are in the OWU.

[126] Natural perils: Covered ↩

Covers damage caused by natural perils such as hailstorms (gradobicie) and other weather events. Explicitly confirmed on the product page for both coverage scopes.

Pokrywa koszty szkód spowodowanych m.in. przez żywioły (np. gradobicie), akty wandalizmu, a także zabezpiecza na wypadek kosztów naprawy pojazdu po szkodzie.

[127] Vandalism: Covered ↩

Covers damage resulting from acts of vandalism (akty wandalizmu). Explicitly confirmed on the product page for both coverage scopes.

Pokrywa koszty szkód spowodowanych m.in. przez żywioły (np. gradobicie), akty wandalizmu, a także zabezpiecza na wypadek kosztów naprawy pojazdu po szkodzie.

[128] Roadside assistance: Optional ↩

Roadside assistance is not explicitly described as included in either coverage scope on the product page. It is common for Partner TUiR to offer assistance as a complementary or optional add-on alongside the AC policy. No coverage details, limits, or inclusion status are confirmed by the available source.

[129] Replacement vehicle: Optional ↩

A replacement vehicle benefit is not mentioned on the product page for either coverage scope. Details are not available from the accessible source; refer to the OWU for full terms.

[130] Driver accident: Optional ↩

Accident insurance for the driver (NNW) is not mentioned on the autocasco product page. It may be available as a separate product or add-on. No coverage details are confirmed by the available source.

[131] Own damage: Not established from the insurer's documents ↩

Covers damage to the vehicle caused by any sudden and unforeseen event including collision, weather, fire, vandalism or other external causes. Compensation capped at the insured sum (current vehicle value as at the date of loss, or fixed GSU+ value if elected). Settlement method depends on chosen variant: ASO uses OEM parts at ASO rates; Warsztat Plus/Warsztat uses OEM or equivalent parts at non-ASO rates; Kosztorys variants use equivalent-part estimates at PLN 65/hr labour rate. No integral deductible applies; minor claims are accepted.

[132] Total loss: Not established from the insurer's documents ↩

A total loss occurs when the estimated repair cost exceeds 70% of the vehicle value at the date of loss (not exceeding the insured sum stated in the policy, or for GSU+ policies: 70% of the policy value). Compensation = vehicle value before loss minus salvage value. Insurer may condition payment on transfer of vehicle ownership. With GSU+, the payout is the value stated in the policy (or the higher current value up to 110% of the policy value), minus salvage.

[133] Partial loss: Not established from the insurer's documents ↩

Damage where estimated repair costs do not exceed 70% of vehicle value. Settled on invoice basis (ASO/Warsztat variants) or estimate basis (Kosztorys variants). Deductible of 500, 1000 or 2000 PLN applies per event. Mandatory 10% deductible applies if driver is under 26 or held licence for less than 3 years. Tyre, exhaust and traction battery damages are subject to depreciation unless the no-depreciation option is selected.

[134] Theft & robbery: Not established from the insurer's documents ↩

Covers theft, theft with break-in and robbery of the vehicle. Compensation equals the insured sum on the day of loss, reduced by the applicable deductible (0% or 10% as elected). With GSU+, the payout is the value stated at policy inception (or current value up to 110% of policy value). Payment is contingent on de-registration, title transfer, and return of all keys/devices. Theft is not covered on Russian, Belarusian, Ukrainian or Moldovan territory. Anti-theft devices declared at policy inception must have been activated at time of theft.

[135] Glass damage: Not established from the insurer's documents ↩

Separate optional module (Chapter III of the OWU). Covers organisation and cost of repair or replacement of front, side and rear windows damaged in an accident. Scope is limited to Poland. Sum insured is agreed at policy inception. From the second and subsequent windscreen replacements within the same policy period, a 25% co-payment applies. Claims from this module do not affect AC claims history. ADAS calibration costs are included.

[136] Natural perils: Not established from the insurer's documents ↩

Covered under the all-risk scope of AC (Chapter I). The OWU defines 'accident' for assistance and luggage purposes to include flood, submersion, atmospheric precipitation, hurricane, hail, lightning strike, avalanche, and landslide. The AC all-risk formula covers all sudden and unforeseen events from external causes, which encompasses natural perils unless explicitly excluded. No sub-limit; covered up to the insured sum.

[137] Vandalism: Not established from the insurer's documents ↩

Covered under the all-risk AC scope (Chapter I). The OWU accident definition explicitly includes damage caused by third parties and vandalism by third parties, confirming vandalism coverage within the AC all-risk formula. No sub-limit; covered up to the insured sum.

[138] Roadside assistance: Not established from the insurer's documents ↩

Separate optional module (Chapter VII of the OWU). Available in six variants: Podstawowy (Basic), Ekonomiczny (Economy), Rozszerzony (Extended), Maksymalny (Maximum, covers all European countries), Opony (Tyres) and Samochód zastępczy do 5 dni po wypadku (Replacement car up to 5 days after accident). Covers roadside repair, towing (75–500 km by variant), passenger transport, overnight accommodation, tyre assistance, vehicle opening, fuel assistance, medical assistance and more. Up to 3 assistance events per policy period. Basic package (Podstawowy) is bundled with OC and included in the OC+AC package.

[139] Replacement vehicle: Not established from the insurer's documents ↩

Available as part of optional Assistance module (Chapter VII). Included in Ekonomiczny (max class B, up to 2 days), Rozszerzony (max class B, up to 4 days) and Maksymalny (max class C, up to 7 days) variants, triggered on immobilisation or theft. Also available as a standalone Assistance variant 'Samochód zastępczy do 5 dni po wypadku' (max class C, up to 5 days, accident only, Poland only). Fuel and other consumables excluded.

[140] Driver accident: Not established from the insurer's documents ↩

Separate optional module (Chapter V of the OWU). Covers bodily injury to driver and passengers arising from a road accident connected with the use of the insured vehicle. Benefit is a percentage of the insured sum per the NNW Injury Table (Chapter XIII). Death benefit equals 100% of the insured sum if death occurs within 2 years of the accident. Also covers death of a transported pet (up to PLN 2,000 per event). Covers events in Poland and all European countries.

[141] Own damage: Excluded ↩

AC Mini does not cover vehicle damage caused by the owner or driver (e.g. collision due to driver fault, scratching, or parking damage). Only damage from natural perils, animal impact and theft is covered.

[142] Total loss: PLN 150,000 ↩

Total loss is triggered when repair costs exceed 70% of the vehicle's market value on the date of loss (per Eurotax/Info-Expert catalogue) or when repair is technically impossible. Compensation equals vehicle market value minus salvage value. The maximum insured vehicle value is PLN 150,000 gross. Coverage applies only when total loss results from a peril covered by AC Mini (natural forces, animal damage or theft).

[143] Partial loss: PLN 150,000 ↩

Partial damage to the vehicle caused by natural forces (floods, hail, lightning, landslides, fire, chemical/thermal agents from outside the vehicle) or animals is covered up to the vehicle's market value capped at PLN 150,000. No parts depreciation (amortisation) is applied. Settlement depends on variant: Warsztat (partner workshop, cashless, with 3-year repair warranty and door-to-door transport), ASO (authorised service, invoice-based), or Kosztorys (estimate basis).

[144] Theft & robbery: PLN 150,000 ↩

Theft (including break-in theft, robbery and extortion robbery per Polish Penal Code arts. 278, 279, 280, 282) of the vehicle or its permanently fitted equipment is covered. Compensation equals the vehicle's market value on the date of loss, capped at the sum insured (max PLN 150,000). Anti-theft device conditions apply.

W razie szkody kradzieżowej Odszkodowanie ustala się na podstawie wartości rynkowej Pojazdu ustalonej na dzień zaistnienia szkody, nie wyższej niż Suma ubezpieczenia.

[145] Glass damage: PLN 4,000 ↩

Not included in AC Mini base coverage. Available as a separate optional add-on 'Ubezpieczenie Autoszyby' with a sum insured of PLN 4,000. Covers windscreen, rear and side windows. From the second claim onwards requiring glass replacement, Proama covers 60% of replacement cost. The Autoszyby product must be purchased jointly with AC Mini.

Suma ubezpieczenia wynosi 4 000 zł brutto.

[146] Natural perils: PLN 150,000 ↩

Core coverage of AC Mini. Covers damage caused by natural forces: floods, avalanches, landslides, hail, lightning strike, and damage caused by sudden thermal or chemical agents from outside the vehicle. Also covers damage from collision with animals and damage caused by animals. This is the primary voluntary coverage in AC Mini alongside theft protection. Sum insured equals current market value up to PLN 150,000.

Ubezpieczenie AC Mini pokrywa koszty naprawy pojazdu uszkodzonego wskutek zdarzeń związanych z żywiołami lub/i zwierzętami lub/i zapewnia rekompensatę w razie jego kradzieży.

[147] Vandalism: Excluded ↩

Vandalism is not covered under AC Mini. AC Mini covers only damage from natural forces, animal impact and theft. Vandalism by third parties is excluded; only full Autocasco (Casco ASO / Casco Warsztat) would cover such events.

[148] Roadside assistance: Optional ↩

Not included in AC Mini base coverage. Available as an optional add-on, bought together with OC or AC Mini, in two variants: Assistance Wypadkowy (accident and theft, sum insured PLN 2,000) or Assistance Midi (accident, theft and breakdown, sum insured PLN 4,000). Both apply in Poland, Czech Republic, Lithuania, Germany and Slovakia.

Suma ubezpieczenia 2 000 zł brutto 4 000 zł brutto

[149] Replacement vehicle: Optional ↩

Not included in AC Mini base coverage. Available through the Assistance add-on: up to 3 days after accident or theft under Assistance Wypadkowy, up to 5 days under Assistance Midi. Class of replacement vehicle is capped at class C with maximum 5 seats.

Pojazd zastępczy po Wypadku lub Kradzieży Do 3 dni Do 5 dni

[150] Driver accident: Optional ↩

Not included in AC Mini base coverage. Available as an optional add-on 'Ubezpieczenie Następstw Nieszczęśliwych Wypadków w Pojeździe i poza Pojazdem' covering the driver and passengers, as well as the vehicle owner and family members sharing the household, for death and permanent disability resulting from a Nieszczęśliwy wypadek occurring both in connection with the vehicle and outside it. The sum insured is shown in the policy document and is the same for every insured person. Must be purchased together with OC or AC Mini.

Suma ubezpieczenia wskazana jest w Umowie ubezpieczenia w kwocie brutto, ustalona na jednego Ubezpieczonego i jest taka sama dla wszystkich Ubezpieczonych.

[151] Own damage: Unlimited ↩

AC covers damage, destruction or loss of the vehicle, its parts or equipment resulting from any sudden event independent of the insured's will. Compensation capped at the insured sum. Total loss threshold: repair costs exceeding 70% of vehicle value; compensation = vehicle value minus salvage value. Three settlement variants available: service (original parts), optimal (alternative parts or reduced originals), partner (partner workshop original parts). Franchise integral: PLN 300 minimum claim (exception: interior damage caused by persons whose transport was medically required).

[152] Total loss: Unlimited ↩

If repair costs (calculated per OWU rules) exceed 70% of the vehicle's value on the day of loss assessment, the claim is settled as total loss. Compensation = market value of vehicle minus market value of salvage. Vehicle value assessed via Eurotax or Info-Ekspert expert systems (or individual valuation if no listings). With Auto Wartość 100% option, value is frozen at contract date.

[153] Partial loss: Unlimited ↩

Partial loss settlement based on variant: service variant uses original parts at workshop labour rates; optimal variant uses alternative parts (or reduced-price originals if alternatives unavailable: -30% up to 3 yrs, -45% 3-5 yrs, -55% 5-8 yrs, -60% over 8 yrs); partner variant uses original parts at partner workshop rates. Labour rates based on average rates in the voivodeship of the repairing workshop. Without invoices, PZU pays a preliminary estimate at PLN 92/h labour rate (OWU UZ/5/2026).

[154] Theft & robbery: Unlimited ↩

Covered as standard: theft of vehicle, parts or equipment; burglary into vehicle; damage caused by attempted theft, joyriding or break-in. Compensation equals vehicle value on day of theft (or contract date if Auto Wartość 100% applies). Theft in Russia, Belarus, Ukraine, Moldova excluded by default (BRUM extension available for extra premium). Keys left in vehicle or vehicle left unsecured are standard exclusion grounds (unless no causal link proven or violence used).

[155] Glass damage: Optional ↩

Glass damage is not included in the standard AC policy. It is covered under the separate PZU Auto Szyba (PAS) add-on product, which covers repair or replacement of front, side or rear glass. First damage covered in full; 30% co-payment applies from the second incident in the same policy period. Repair/replacement organised by PZU only in Poland; costs reimbursed for abroad.

[156] Natural perils: Unlimited ↩

AC covers all sudden events independent of the insured's will, which includes natural perils such as storms, hail, flooding, falling objects, fire, etc. These are covered as part of the base AC scope under the general insured-event definition. No separate sub-limit; compensation subject to the overall insured sum.

[157] Vandalism: Unlimited ↩

Damage caused by unknown or third-party perpetrators (e.g. keying, deliberate damage) is covered as part of the general AC scope, since the insured event definition covers damage independent of the insured's will. Deliberate damage caused by the insured themselves or persons in the same household is excluded.

[158] Roadside assistance: 10% of insured sum ↩

Base AC includes reimbursement of towing from scene and parking costs up to 10% of insured sum (capped at average local market rates; up to 3 days parking after inspection/estimate). Full roadside assistance (repair on site, replacement vehicle, hotel, transport home, etc.) requires purchase of PZU Pomoc w Drodze (PWD) as a separate or bundled product. Auto Non Stop optional extension organises towing, repair at ANS workshop and replacement vehicle entirely within Poland.

[159] Replacement vehicle: Optional ↩

Not included in base AC. Two optional routes: (1) Auto Non Stop extension: PZU organises and covers cost of replacement vehicle (segment same as insured vehicle, max segment E for cars up to 7 years old, max D for 8-12 yrs, max C for over 12 yrs per OWU UZ/5/2026) for the duration of repair at ANS workshop; if repair is abandoned or total loss declared, covered for up to 3 days after inspection/estimate; available only in Poland, for passenger cars and light commercial vehicles. (2) Auto Zastępcze extension: reimburses documented rental costs up to a contractually defined additional limit (limit reduces with each reimbursement); covers period from event date to repair completion (not longer than technologically justified repair time in Poland); also up to 3 days if not repaired.

[160] Driver accident: Optional ↩

Personal accident coverage for driver and passengers is not included in the base AC product. It is available as a separate optional product PZU Auto NNW, covering bodily injury, health impairment or death from accidents related to vehicle use. Insured sum min PLN 5,000, max PLN 100,000 per insured per accident. Benefits: permanent health impairment (% of SI), death (100% SI), incapacity allowance, medical cost reimbursement up to 10% SI (max PLN 5,000), orthopaedic aids up to 10% SI (max PLN 10,000).

[161] Own damage: 100% of insured sum ↩

Trasti AC All Risk allows repair of the vehicle up to 100% of its value in the ASO variant (70% in the Kosztorys and Partner Network variants), uniquely in the Polish market for the ASO threshold, without deduction for parts depreciation.

Jako jedyni w Polsce nie orzekamy „szkody całkowitej” na poziomie 70%, w Trasti możesz naprawiać swój pojazd do 100% jego wartości.

[162] Total loss: 100% of insured sum ↩

In the ASO variant Trasti classifies a claim as total loss only when repair costs exceed 100% of vehicle value; in the Kosztorys and Partner Network variants the threshold is 70%.

Szkoda całkowita 100% Bez amortyzacji, bez udziału własnego.

[163] Partial loss: Covered ↩

Auto Casco in Trasti covers a broad range of damage including collisions, in addition to theft, vandalism, natural disasters and forces of nature.

Ubezpieczenie AC obejmuje uszkodzenie, zniszczenie lub utratę pojazdu wskutek wszelkich przypadkowych i nie dających się przewidzieć zdarzeń, (z wyjątkiem przypadków wskazanych w rozdziale III) powstałe niezależnie od woli Ubezpieczonego lub osoby uprawnionej do korzystania i kierowania ubezpieczonym pojazdem.

[164] Theft & robbery: Covered ↩

AC All Risk covers theft of the vehicle; a free replacement vehicle for up to 30 days is also provided in case of theft.

Niezależnie od wybranego wariantu, w przypadku kradzieży pojazdu możesz otrzymać bezpłatny samochód zastępczy na okres do 30 dni.

[165] Glass damage: PLN 4,000 ↩

Glass damage is not a sub-limit of AC All Risk but a separately purchasable Trasti "Szyby" (Glass) product with its own sum insured of PLN 4,000 per event and in aggregate for all events.

Górną granicą odpowiedzialności jest kwota 4 000 PLN dla jednego i wszystkich zdarzeń.

[166] Natural perils: Covered ↩

AC All Risk covers damage from natural disasters and forces of nature (e.g. storms, hail, flood).

Ubezpieczenie AC obejmuje uszkodzenie, zniszczenie lub utratę pojazdu wskutek wszelkich przypadkowych i nie dających się przewidzieć zdarzeń, (z wyjątkiem przypadków wskazanych w rozdziale III) powstałe niezależnie od woli Ubezpieczonego lub osoby uprawnionej do korzystania i kierowania ubezpieczonym pojazdem.

[167] Vandalism: Covered ↩

AC All Risk covers damage resulting from acts of vandalism, alongside collision, theft and natural forces.

Ubezpieczenie AC obejmuje uszkodzenie, zniszczenie lub utratę pojazdu wskutek wszelkich przypadkowych i nie dających się przewidzieć zdarzeń, (z wyjątkiem przypadków wskazanych w rozdziale III) powstałe niezależnie od woli Ubezpieczonego lub osoby uprawnionej do korzystania i kierowania ubezpieczonym pojazdem.

[168] Roadside assistance: Optional ↩

Roadside assistance is sold by Trasti as a separate product in several variants, not as a built-in element of AC All Risk.

Auto zastępcze do 7 dni. Holowanie do 1100 km w Europie lub bez limitu w wariancie Polska

[169] Replacement vehicle: 30 days ↩

A free replacement vehicle for up to 30 days is provided only in case of vehicle theft, regardless of the chosen repair variant.

Niezależnie od wybranego wariantu, w przypadku kradzieży pojazdu możesz otrzymać bezpłatny samochód zastępczy na okres do 30 dni.

[170] Driver accident: Optional ↩

Personal accident cover for driver and passengers (NNW) is a separate Trasti product/rider, not part of AC All Risk itself.

Wysokie sumy ubezpieczenie dla kierowcy i pasażerów. Nawet do 200 000 zł za niewielką składkę.

[171] Own damage: PLN 200,000 ↩

In the Maxicasco variant, the policy covers both partial and total loss arising from collision, external mechanical force, third-party actions, fire, explosion, flooding, natural forces, thermal or chemical factors from outside, and theft. In the Minicasco variant, only total loss events are covered. The insured sum equals the market value of the vehicle on the policy date, up to a maximum of 200,000 PLN. Damages below 500 PLN are not covered.

Maksymalna suma ubezpieczenia do przyjęcia do ubezpieczenia wynosi 200.000 PLN.

[172] Total loss: PLN 200,000 ↩

A total loss occurs when repair costs exceed 70% of the vehicle's market value on the date of the loss. In both Minicasco and Maxicasco variants, total loss is covered. Compensation equals the market value of the vehicle at the time of loss, not exceeding the insured sum (maximum 200,000 PLN). The insured sum is reduced by each paid indemnity.

Jeśli koszt naprawy przekracza 70% wartości pojazdu w dniu zdarzenia wówczas Towarzystwo kwalifikuje to jako szkodę całkowitą.

[173] Partial loss: PLN 200,000 ↩

Partial loss coverage (repair costs not exceeding 70% of the vehicle's market value) is available in the Maxicasco variant only. Minicasco does not cover partial losses. Repair cost value is assessed based on market value at the date of loss and the settlement method chosen (cost estimate or workshop).

[174] Theft & robbery: PLN 200,000 ↩

Theft of the entire vehicle is covered under both Minicasco and Maxicasco variants. Anti-theft device requirements apply: one device for vehicles up to 100,000 PLN market value; two devices for vehicles above 100,000 PLN. Theft coverage is excluded on the territory of Belarus, Moldova, Russia, Ukraine, and Turkey. Coverage does not apply if keys or vehicle documents were left unsecured in or with the vehicle due to the insured's intentional act or gross negligence.

[175] Glass damage: PLN 4,000 ↩

Separate optional glass insurance ("Szyby w pojeździe") covers repair or replacement of the front, rear, and side windows. The insured sum is 4,000 PLN per policy year. Coverage applies to vehicles whose age does not exceed 20 years. The value of loss is determined based on comparable-quality or original parts plus workshop labour. This is a separately priced add-on to the Bezpieczny Pojazd package and is not part of the AC base coverage.

Ubezpieczenie szyb Suma ubezpieczenia wynosi: 4.000 PLN

[176] Natural perils: PLN 200,000 ↩

Damage caused by fire, explosion, flooding, and sudden action of other natural forces is covered in both Minicasco and Maxicasco variants, as well as sudden action of thermal or chemical factors from outside the vehicle. The limit is the insured sum (up to 200,000 PLN market value). In the Minicasco variant, only total-loss-level damage from natural perils is covered; in the Maxicasco variant, both partial and total losses are covered.

[177] Vandalism: PLN 200,000 ↩

Damage caused by third parties (vandalism) is covered under both Minicasco and Maxicasco in the scope of the general AC perils. In Maxicasco, both partial and total damage from vandalism is covered. In Minicasco, only total-loss-level vandalism damage is covered. Intentional acts by the insured or household members are excluded.

[178] Roadside assistance: PLN 5,000 – PLN 15,000 ↩

Roadside assistance is available as a separately priced optional add-on ("Bezpieczny Pojazd Assistance") in three tiers: Podstawowy (5,000 PLN), Standard (15,000 PLN), and Komfort (15,000 PLN). Covers fuel delivery, towing (not exceeding 200 km for AC-linked contracts), on-site repair, replacement vehicle (up to 2 days), and 24/7 telephone assistance. The assistance OWU was approved by resolution 151/2018.

Assistance Suma ubezpieczenia w zależności od wariantów: 1) Podstawowy (5.000 PLN), 2) Standard i Komfort (15.000 PLN)

[179] Replacement vehicle: Optional ↩

A replacement vehicle is provided as part of the optional Assistance add-on. It is available for up to 2 days when the insured vehicle's repair cannot be completed within 12 hours of the vehicle's arrival at the workshop, or in the event of theft. The exact daily rental limit (150 PLN gross/day for reimbursement if self-arranged) applies when the Assistance contract is co-terminus with the AC contract.

[180] Driver accident: PLN 5,000 – PLN 20,000 ↩

Optional accidental death and disability cover for the driver and passengers. Sum insured chosen by the policyholder: 5,000 PLN, 10,000 PLN, or 20,000 PLN per person. Benefits: 100% of sum on death, 1% of sum per 1% permanent disability, up to 10% of sum for orthopaedic aids, up to 10% of sum for medical costs. This is a separately priced add-on within the Bezpieczny Pojazd package.

100% sumy ubezpieczenia – w przypadku śmierci wskutek nieszczęśliwego wypadku; 1% sumy ubezpieczenia za każdy procent trwałego uszczerbku na zdrowiu określony według tabeli nr 2 – w przypadku trwałego uszczerbku na zdrowiu wskutek nieszczęśliwego wypadku; do wysokości 10% sumy ubezpieczenia – z tytułu zwrotu kosztów nabycia przedmiotów ortopedycznych i środków pomocniczych; do wysokości 10% sumy ubezpieczenia – z tytułu zwrotu kosztów leczenia w wyniku nieszczęśliwego wypadku.

[181] Own damage: 100% of insured sum ↩

All-Risk coverage for damage, destruction, or loss of the insured vehicle and its equipment caused by any event not explicitly excluded. Maximum indemnity is capped at the insurance sum (market value of vehicle at policy inception). Applies across all three variants: Serwis, Warsztat Partnerski, and Kosztorys. Settlement method and parts quality differ by variant.

Zakresem ubezpieczenia objęte są szkody polegające na uszkodzeniu, zniszczeniu lub kradzieży pojazdu oraz jego części wraz z przyjętym do ubezpieczenia wyposażeniem powstałe w okresie ochrony ubezpieczeniowej, wskutek wszelkich zdarzeń, tzw. ubezpieczenie All Risk, niezależnych od woli Ubezpieczającego lub Kierującego z wyłączeniem szkód wymienionych w § 6-8.

[182] Total loss: 100% of insured sum ↩

Total loss is determined when the estimated maximum repair cost in the chosen variant exceeds 70% of the vehicle's market value at the time of loss. Compensation equals the vehicle's market value on the date of loss minus the salvage value (Wartość pozostałości), determined by auction-portal bids. With the Guaranteed Insurance Sum option, the basis is the vehicle value at policy inception for up to 7 years of use.

Za szkodę całkowitą uznaje się uszkodzenie pojazdu w takim stopniu, że przewidywany maksymalny koszt naprawy w wariancie, w którym zawarto umowę ubezpieczenia, przekracza 70% wartości rynkowej pojazdu w dniu zaistnienia szkody.

[183] Partial loss: 100% of insured sum ↩

Partial loss applies when the estimated maximum repair cost does not exceed 70% of vehicle market value. Settlement is based on TUW's repair estimate or, in Serwis and Warsztat Partnerski variants, on repair invoices. Parts quality: Serwis uses 'O' (OEM) parts; Warsztat Partnerski uses 'Q' (OEM-equivalent) parts; Kosztorys uses 'P' parts. Depreciation (amortisation) applies in Serwis and Warsztat Partnerski variants and can be waived for an additional premium. In Kosztorys, no depreciation is applied to spare parts. Labour rate in Kosztorys and estimate-based settlement is 85 PLN/h net.

Zależnie od woli Ubezpieczonego, odszkodowanie za szkodę częściową ustalane jest odpowiednio do wybranego przez Ubezpieczonego wariantu w oparciu o: 1) wycenę kosztów naprawy sporządzoną przez Towarzystwo albo 2) faktury za naprawę.

[184] Theft & robbery: 100% of insured sum ↩

Theft (kradzież, kradzież z włamaniem, rozbój) of the insured vehicle is covered under the All-Risk scope. Compensation equals vehicle market value at date of loss. Theft of motorcycles, mopeds, scooters, and quads is excluded by default but can be added with Centrala consent and additional premium. Theft cover excludes events in Belarus, Moldova, Russia, and Ukraine by default (extension available). Anti-theft device requirements apply per §19. Claim requires police notification within 24 hours, vehicle deregistration, and transfer of ownership to TUW.

Wysokość odszkodowania ustala się w kwocie odpowiadającej wartości pojazdu, z dnia powstania szkody z zastrzeżeniem postanowień § 13 ust. 2 i § 24 oraz § 32 ust. 6.

[185] Glass damage: 100% of insured sum ↩

Damage to vehicle glazing is covered under the All-Risk base cover as part of vehicle damage, subject to the standard settlement rules of the chosen variant. No separate glass-only benefit or sub-limit is stated in the OWU WU-14.17; glass is settled as part of the general partial or total loss claim. A separate AutoSzyby product exists but is not part of this Autocasco policy.

[186] Natural perils: 100% of insured sum ↩

Damage caused by natural perils (storm, hail, flood, lightning, fire, and other natural events) is covered under the All-Risk scope. There is no separate sub-limit for natural perils; the insurance sum (vehicle market value) constitutes the maximum indemnity. Exclusions include damage caused by ionising radiation or radioactive contamination.

[187] Vandalism: 100% of insured sum ↩

Intentional damage to the insured vehicle by third parties is covered under the All-Risk base cover. Damage caused intentionally by the policyholder or persons in the same household is excluded. Damage caused during riots, civil commotion, or military action is also excluded.

wyrządzone umyślnie przez Ubezpieczającego lub osobę, z którą Ubezpieczający pozostaje we wspólnym gospodarstwie domowym,

[188] Roadside assistance: PLN 1,000 ↩

Within the insurance sum, TUW reimburses towing or transport costs and parking costs (up to 14 days, but max 3 days after TUW inspection) incurred after an insured event. For cars, light commercial vehicles and motorcycles/mopeds (up to 3.5t GVW): up to 10% of insurance sum but not more than 1,000 PLN. For trailers up to 3.5t: up to 1,500 PLN. For other vehicles: up to 5,000 PLN. Costs are reimbursed at no more than average local rates. This is reimbursement only — not a 24/7 dispatch service; a separate AutoAssistance product provides full roadside assistance.

1 000 PLN w przypadku samochodów osobowych, osobowociężarowych i samochodów ciężarowych o dopuszczalnej masie całkowitej do 3,5 tony oraz motocykli, motorowerów, skuterów,

[189] Replacement vehicle: Optional ↩

Available as an optional paid extension for passenger cars, light commercial vehicles, and trucks up to 3.5t GVW. Provides a flat-rate daily allowance of 130 PLN per day of the technological repair time, subject to: minimum repair time of 2 days; for total loss or theft claims — flat rate paid for 5 days; maximum 7 days per claim and per policy period regardless of number of claims. The flat rate is paid together with the main claim settlement. In the Warsztat Partnerski variant, a complimentary replacement car (up to class D/segment D) is also provided via the 'Door to Door' service without reducing the insurance sum; this is a separate benefit independent of the optional Pojazd Zastępczy rider.

W ramach rozszerzenia, o którym mowa w ust. 1, Ubezpieczonemu przysługuje świadczenie w postaci ryczałtu na wynajem pojazdu zastępczego w wysokości 130 PLN za każdy dzień technologicznego czasu naprawy, z zastrzeżeniem ust. 3-5.

[190] Driver accident: Excluded ↩

Personal accident or bodily injury benefits for the driver are not covered under this Autocasco policy. A separate NNW (accident insurance) product is available from TUW for such cover.

[191] Own damage: Not established from the insurer's documents ↩

All sudden and unforeseen events causing damage to or destruction of the insured vehicle are covered (all risks basis), subject to exclusions in the OWU. The insured sum equals the market value of the vehicle at the date of policy inception, as agreed between TUZ and the policyholder using expert valuation systems. No deductibles, no integral franchise, no depreciation deductions, and no reduction of the insured sum after partial losses apply.

Ubezpieczenie od wszystkich ryzyk (All risks): wszystkie nagłe i nieprzewidziane zdarzenia, z zastrzeżeniem wyłączeń wskazanych w OWU.

[192] Total loss: Not established from the insurer's documents ↩

Total loss (szkoda całkowita) is covered under the all-risks scope. Coverage ceases on the day compensation for total loss or vehicle loss is paid. The insured sum corresponds to the vehicle's market value at policy inception. An optional 'guaranteed insured sum' (gwarantowana suma ubezpieczenia) add-on is available for vehicles up to 6 years old purchased from dealer networks, protecting against market-value reduction in the event of a total loss.

z dniem wypłaty odszkodowania za szkodę całkowitą lub polegającą na utracie pojazdu,

[193] Partial loss: Covered ↩

Partial damage to the vehicle, its parts, and standard equipment is covered under the all-risks scope without depreciation deductions or reduction of the insured sum after a claim. Compensation is settled according to the chosen variant (estimate, authorized service, or repair network). The policy also covers damages caused by gross negligence of the insured.

brak potrąceń amortyzacyjnych przy rozliczaniu kosztów naprawy brak redukcji sumy ubezpieczenia po szkodach częściowych.

[194] Theft & robbery: Not established from the insurer's documents ↩

Theft and robbery of the vehicle, its parts, or equipment is included in the standard all-risks scope across all of Europe. However, theft is not covered on the territories of Russia, Belarus, Ukraine, Moldova, and Albania unless an additional premium has been paid. Coverage in Ukraine, Belarus, Russia, and Moldova can be extended as an optional add-on.

jeżeli nie umówiono się inaczej i nie opłacono dodatkowej składki na terytorium Rosji, Białorusi, Ukrainy, Mołdawii i Albanii ochroną ubezpieczeniową nie są objęte szkody powstałe wskutek kradzieży.

[195] Glass damage: Covered ↩

Glass damage is included within the AC All Risks base policy. A separate optional 'Autoszyby' (Auto Glass) add-on policy is also available (up to 5,000 PLN), which allows glass claims to be settled without affecting the AC claims history or no-claims discount.

ubezpieczenie szyb samochodowych – pokryjemy koszty naprawy lub wymiany szyby do kwoty 5.000 zł, nie naruszając polisy AC

[196] Natural perils: Not established from the insurer's documents ↩

Natural perils including flood, heavy rain, hail, hurricane, ground subsidence or landslide, fire, snowfall, lightning strike, flooding, and sudden external thermal or chemical impact are covered under the all-risks scope.

[197] Vandalism: Not established from the insurer's documents ↩

Vandalism is covered under the all-risks scope as a sudden and unforeseen event not caused intentionally by the insured. Intentional damage caused by the policyholder is explicitly excluded.

spowodowane umyślnie,

[198] Roadside assistance: Optional ↩

Roadside assistance is a separate optional product (Auto Assistance), available in four variants: Podstawowy (basic, towing up to 100 km), Standard (unlimited towing in Poland, up to 500 km in Europe, replacement vehicle), Comfort (enhanced limits, sum up to 20,000 PLN per event), and VIP (unlimited towing in Poland and Europe, replacement vehicle, driver assistance, child care). This is not included in the AC All Risks base policy.

Umowa ubezpieczenia może zostać zawarta w jednym z czterech następujących wariantów:

[199] Replacement vehicle: Conditional ↩

A replacement vehicle for the duration of repairs is included as a standard benefit only in the 'sieć naprawcza' (repair network) variant, which also provides a door-to-door service. It is not automatically included in the 'kosztorys' or 'serwis' variants of the AC policy. A replacement vehicle is also available as part of the optional Auto Assistance Standard, Comfort, and VIP add-ons.

w wariancie „Sieć naprawcza” samochód zastępczy na czas naprawy pojazdu i/lub usługa door-to-door

[200] Driver accident: Optional ↩

Personal accident cover for the driver and passengers (NNW - Następstwa Nieszczęśliwych Wypadków) is a separate optional product, not included in the AC All Risks base policy. It is available as an add-on and can be purchased together with AC. It provides a lump-sum benefit in the event of permanent disability or death due to an accident.

Ubezpieczenie następstw nieszczęśliwych wypadków kierowcy i pasażerów (NNWK) gwarantuje wypłatę świadczeń w przypadkach: Trwałego uszczerbku na zdrowiu spowodowanego nieszczęśliwym wypadkiem komunikacyjnym, Śmierć ubezpieczonego w następstwie nieszczęśliwego wypadku komunikacyjnego,

[201] Own damage: 100% of insured sum ↩

Covers loss, destruction or damage to the insured vehicle and its standard equipment caused by sudden and unforeseen events. In the limited scope (żywioły i kradzież) covers natural perils and theft; in the full scope (all risk) covers all sudden and unforeseen events including acts of third parties and animals. Compensation is capped at the insured sum (market value of the vehicle). A minimum threshold of PLN 400 (franszyza integralna) applies – damages below this amount are not compensated. Total loss is declared when repair costs exceed 70% of the vehicle's market value at the time of loss.

W zakresie pełnym, ochroną ubezpieczeniową objęte są wszelkie szkody polegające na utracie, zniszczeniu, uszkodzeniu przedmiotu ubezpieczenia powstałe w wyniku zdarzeń zaistniałych w okresie ubezpieczenia (w tym również kradzieży, rabunku oraz wandalizmu), z zastrzeżeniem zapisów § 5 ust. 1 pkt 3) wchodzące w zakres umowy ubezpieczenia zgodnie z postanowieniami OWU, z zastrzeżeniem § 5.

[202] Total loss: 100% of insured sum ↩

Total loss is declared when the vehicle is lost or damaged to such an extent that restoration of full functionality and safe use is technically impossible, or when the repair cost (gross, including VAT) exceeds 70% of the vehicle's market value at the date of loss. Compensation equals the vehicle's value at the date of assessment minus the market value of salvage, but not exceeding the insured sum. With the Guaranteed Sum Insurance (GSU) option, compensation for total loss or theft corresponds to the guaranteed insured sum at policy inception.

Szkoda całkowita – utrata pojazdu lub uszkodzenie pojazdu w takim stopniu, że przywrócenie jego pełnej sprawności i bezpiecznego użytkowania nie jest możliwe z technicznego punktu widzenia lub uszkodzenie pojazdu w takim stopniu, że koszt jego naprawy, ustalony zgodnie z zasadami przedstawionymi w § 16 ust. 18 (koszt brutto – z uwzględnieniem podatku VAT) przekraczają 70% wartości rynkowej pojazdu z dnia zaistnienia szkody.

[203] Partial loss: 100% of insured sum ↩

Partial loss is vehicle damage that does not qualify as a total loss (repair cost does not exceed 70% of vehicle market value). Settlement is made in the workshop variant (based on invoices for repair) or the cost-estimate variant (based on UNIQA's assessment using Audatex/Eurotax systems). Replacement parts are subject to depreciation based on vehicle age in the cost-estimate variant (unless depreciation waiver purchased). A deductible (udział własny) chosen by the policyholder at inception reduces the compensation amount.

Szkoda częściowa – uszkodzenie pojazdu niestanowiące szkody całkowitej.

[204] Theft & robbery: 100% of insured sum ↩

Covers theft (kradzież), burglary and robbery (rabunek/rozbój) of the vehicle, its standard or additional equipment. Coverage is conditional on the vehicle being properly secured according to OWU requirements (anti-theft device requirements based on vehicle value). Theft coverage is excluded on the territory of Russia, Belarus and Ukraine unless additional premium is paid. For motorcycles, theft coverage requires payment of additional premium in all scopes. Compensation for theft equals the insured sum at the date of loss, less any deductible (udział własny).

Jeżeli nie umówiono się inaczej i nie opłacono dodatkowej składki, na terytorium Rosji, Białorusi, Ukrainy ubezpieczeniem nie są objęte szkody powstałe w wyniku: pożaru, wybuchu, działania czynnika termicznego lub chemicznego pochodzącego z wewnątrz lub zewnątrz pojazdu, kradzieży pojazdu, rabunku (rozboju) oraz kradzieży jego wyposażenia podstawowego lub dodatkowego.

[205] Glass damage: 100% of insured sum ↩

Glass damage (windscreen, side and rear windows) is covered as part of the vehicle damage coverage. In the full scope (all risk), damage caused by third parties, vandalism or other sudden events is covered. In the limited scope (natural perils + theft), glass damage is covered only if caused by covered natural perils. No separate glass sublimit is defined in the OWU Auto Casco; compensation is subject to the general insured sum. Tyre damage alone (without simultaneous rim or other part damage) is excluded per §5(8), unless the optional AutoKoło extension is purchased.

[206] Natural perils: 100% of insured sum ↩

Covers damage caused by: torrential rain (deszcz nawalny, intensity ≥4 per IMGW scale), hail (grad), hurricane (wiatr ≥17.5 m/s), avalanche (lawina), ground subsidence and landslide (osuwanie się i zapadanie ziemi), flood (powódź), fire (pożar), tornado (trąba powietrzna), earthquake (trzęsienie ziemi), lightning strike (uderzenie pioruna), vehicle submersion (zatopienie pojazdu), and other events not caused by third parties or animals. Included in both the limited and full (all-risk) scope.

W zakresie ograniczonym ochroną ubezpieczeniową objęte są szkody powstałe w ubezpieczonym pojeździe wskutek działania: 1) deszczu nawalnego, 2) gradu, 3) huraganu, 4) lawiny, 5) osuwania się i zapadania ziemi, 6) powodzi, 7) pożaru, 8) trąby powietrznej, 9) trzęsienia ziemi, 10) uderzenia pioruna, 11) zatopienia pojazdu, 12) innych zdarzeń, niż wymienione w punktach od 1 do 11 powyżej, z wyłączeniem szkód powstałych wskutek działania osób trzecich lub zwierząt.

[207] Vandalism: 100% of insured sum ↩

Vandalism (deliberate damage by third parties) is covered exclusively in the full scope (all risk) as part of damage caused by acts of third parties. It is explicitly excluded from the limited scope (ograniczony), which covers only natural perils and theft. No separate sublimit applies; compensation is subject to the overall vehicle insured sum and the minimum damage threshold of PLN 400.

W zakresie pełnym, ochroną ubezpieczeniową objęte są wszelkie szkody polegające na utracie, zniszczeniu, uszkodzeniu przedmiotu ubezpieczenia powstałe w wyniku zdarzeń zaistniałych w okresie ubezpieczenia (w tym również kradzieży, rabunku oraz wandalizmu), z zastrzeżeniem zapisów § 5 ust. 1 pkt 3) wchodzące w zakres umowy ubezpieczenia zgodnie z postanowieniami OWU, z zastrzeżeniem § 5.

[208] Roadside assistance: Conditional ↩

The Auto Casco policy itself reimburses certain vehicle-recovery costs after an insured event: securing the damaged vehicle until inspection, and transporting it to the policyholder's residence or a repair shop, up to PLN 1,000 gross (or, for losses abroad, up to 10% of the insured sum, max PLN 5,000 gross), with these and related costs capped overall at 10% of the insured sum. Full roadside assistance services (towing for breakdowns, replacement car, etc.) are a separate, standalone or add-on product (Ubezpieczenie Assistance) offered under the general motor insurance conditions (OWUK); Assistance MIDI is bundled in the OC+AC package sold online but is a separate policy from Auto Casco.

transportu uszkodzonego pojazdu do miejsca zamieszkania albo zakładu naprawczego, do kwoty brutto 1 000 zł, z zastrzeżeniem sytuacji gdy szkoda powstała za granicą RP, kiedy UNIQA TU S.A. pokrywa koszt transportu do wysokości 10% sumy ubezpieczenia, nie więcej niż do kwoty brutto 5 000 zł, z zastrzeżeniem ust. 8.

[209] Replacement vehicle: Excluded ↩

A replacement vehicle is not included in the UNIQA Auto Casco (OWU 3833) product. It is available as part of the separately purchased Assistance product (various tiers: MIDI, Standard, Standard Plus, Premium, Prestiż), which provides rental vehicle for up to 2–15 days depending on the variant and event type (accident, breakdown or theft).

[210] Driver accident: Excluded ↩

Personal accident coverage for the driver is not part of the UNIQA Auto Casco (OWU 3833) product. It is available as a separate NNW (Następstwa Nieszczęśliwych Wypadków) product under the general motor insurance conditions (OWUK), covering bodily injury or death of the driver and passengers resulting from a traffic accident. The insured sum is selected at inception and confirmed in the policy.

[211] Own damage: 100% of insured sum ↩

Covers repair costs for damage to the insured vehicle caused by any event not explicitly excluded (all-risks formula). In Standard tier, indemnity may be subject to a depreciation table applied to replaced parts (0–60% reduction depending on vehicle age), unless the depreciation waiver option is purchased. In Komfort tier, no depreciation deductions are applied and original manufacturer parts are used. Partial loss: indemnity based on VAT invoices from the repair workshop. Total loss threshold: >70% of sum insured (Komfort) or >70% of vehicle value immediately before loss (Standard). Maximum indemnity equals the sum insured.

Jeżeli w umowie ubezpieczenia nie zostało zniesione procentowe pomniejszenie wartości części zgodnie z §8 ust.3 pkt 1) przy ustaleniu wysokości odszkodowania ma zastosowanie poniższa tabela

[212] Total loss: 100% of insured sum ↩

A loss is classified as total when repair costs exceed 70% of the sum insured (Komfort) or 70% of the vehicle value immediately before the loss (Standard). Indemnity equals the difference between the sum insured (Komfort) or vehicle value before loss (Standard) and the salvage value. In Komfort, the guaranteed sum of insurance (GSU) remains constant throughout the policy and does not decrease after claim payments (except total loss where coverage ends). In Standard, the sum insured decreases after each claim unless the non-reduction option is purchased.

Szkoda jest kwalifikowana jako całkowita, gdy koszt naprawy wyliczony w oparciu o maksymalne akceptowane przez WARTĘ koszty części, materiałów i robocizny przekracza 70% sumy ubezpieczenia.

[213] Partial loss: 100% of insured sum ↩

Covers repair costs for damage below the total-loss threshold. In Standard, indemnity is determined based on VAT invoices or, absent invoices, by WARTA's cost estimate using a labour rate of PLN 91/h and parts prices adjusted by a 0.6 coefficient. Depreciation deductions apply per vehicle age unless waived. In Komfort, indemnity is based on VAT invoices, with labour reimbursed at the rate for the category of workshop performing the repair (or the contracted rate at a recommended workshop), and original parts without depreciation deductions.

W razie nieprzedstawienia faktur VAT, o których mowa w ust. 2, WARTA na wniosek Ubezpieczonego lub w celu ustalenia bezspornej części odszkodowania wyliczy wysokość odszkodowania w kwocie brutto (z VAT)

[214] Theft & robbery: 100% of insured sum ↩

Covers theft (including break-in and robbery as defined in the Polish Penal Code art. 278, 279, 280) of the vehicle in whole or in part. Does not cover misappropriation (art. 284 KK). In Standard, mopeds (motorowery) are excluded from theft coverage. Motorcycles are covered for theft under both tiers. Indemnity in Komfort equals the sum insured; in Standard equals the vehicle value at the time of loss. Exclusions: keys left unattended in the vehicle; vehicle not secured by its factory anti-theft system (except robbery).

Kradzież – jest to działanie sprawcy o znamionach określonych w polskim Kodeksie Karnym, tj. w art. 278 (kradzież rzeczy ruchomych), art. 279 (kradzież z włamaniem) i w art. 280 (rozbój), które doprowadziło do zaboru pojazdu.

[215] Glass damage: Covered ↩

Damage to vehicle glass is covered under the all-risks formula as own damage, as glass damage is not listed among policy exclusions. WARTA organises cashless repair or replacement of damaged vehicle glass through its partner repair network. In Komfort, repairs use ASO workshops; in Standard, the insured may choose ASO or independent workshops.

[216] Natural perils: Covered ↩

Covered under the all-risks formula. Natural events (storms, hail, floods, fire, etc.) are not listed in the policy exclusions. Normal atmospheric conditions causing wear or corrosion are excluded (§4 ACS/ACK). Coverage applies up to the sum insured.

będących następstwem wszelkich zdarzeń (tzw. all risks) nieujętych w wyłączeniach odpowiedzialności w OWU

[217] Vandalism: Covered ↩

Covered under the all-risks formula as damage caused by third parties. Vandalism is not explicitly excluded in the policy. Coverage applies up to the sum insured. Damage caused intentionally by the insured or household members is excluded.

[218] Roadside assistance: Optional ↩

Roadside assistance (Warta Moje Auto – Assistance) is available as an optional add-on to Autocasco Standard in variants: Standard, Złoty, Złoty+, Platynowy and Podróżnik 15. In Autocasco Komfort, the Złoty variant of Assistance is included at no extra cost. Specific terms and scope are defined in separate Assistance conditions.

Jeśli chcesz ubezpieczyć samochód osobowy i wybierzesz Autocasco Komfort, otrzymujesz Assistance w wariancie Złoty. Assistance Złoty+ oraz Platynowy jest dostępny za dodatkową opłatą. W przypadku wyboru Autocasco Standard możesz skorzystać z wariantu Assistance Standard albo dokupić warianty Złoty, Złoty+ lub Platynowy.

[219] Replacement vehicle: Excluded ↩

A replacement vehicle is not explicitly provided as a standalone coverage benefit in the Autocasco Standard or Komfort policy terms. May be available as part of the Assistance add-on service under separate conditions.

[220] Driver accident: See details ↩

Driver personal accident insurance is not part of the Autocasco Standard or Komfort product. It is not mentioned in the OWU ACS (C6203) or OWU ACK (C6213). May be purchased as a separate product.

[221] Own damage: Covered ↩

AC Maxi (AC Uszkodzenie i Kradzież in the current OWU I-KDir-YCD-01/25) covers loss, destruction or damage to the vehicle resulting from: collision with other vehicles; sudden contact with persons, animals or objects; vandalism; collision of sports equipment carried on an external rack with outside objects; fire, explosion, flooding and sudden forces of nature; sudden thermal or chemical action from outside; theft. Both partial damage (szkoda częściowa) and total loss (szkoda całkowita) are covered. The sum insured equals the vehicle market value (Eurotax) at policy inception and adjusts with market value changes during the policy year. Available in three settlement variants: Kosztorys (cost estimate, alternative parts, labour rate PLN 65/h), Sieć Partnerska (partner network, alternative parts, max PLN 110/h) and ASO (authorised dealer, original parts, average local ASO rate). Minimum claimable damage is PLN 500 gross.

Ubezpieczenie AC Mini oraz AC Uszkodzenie i Kradzież obejmuje utratę, zniszczenie (znaczne uszkodzenie skutkujące brakiem możliwości użytkowania) lub uszkodzenie pojazdu, w następstwie przyczyn wskazanych w poniższej tabeli.

[222] Total loss: Covered ↩

Total loss (szkoda całkowita) is declared when repair costs exceed 70% of the vehicle's market value on the date of loss (calculated using alternative parts prices and PLN 65/h in the Kosztorys variant, PLN 110/h in Sieć Partnerska, or original-parts/ASO rate in ASO variant). Theft of the entire vehicle is also treated as total loss. Compensation equals the vehicle market value on the date of loss, not exceeding the sum insured, reduced by the value of salvage remains. After total loss payment, ownership of the vehicle must be transferred to ERGO Hestia.

kradzież pojazdu lub szkoda, której koszty naprawy przekraczają 70% wartości rynkowej pojazdu w dniu powstania szkody, przy czym koszty naprawy wyliczane są według określonych w kwotach brutto (czyli uwzględniających VAT)

[223] Partial loss: Covered ↩

Partial damage (szkoda częściowa) is covered under AC Maxi (AC Uszkodzenie i Kradzież), which is the key distinguishing feature compared to AC Mini (which covers only total loss above the 70% threshold). Settlement is by the cost-estimate method (Kosztorys: PLN 65/h, alternative parts) or service method (Sieć Partnerska: max PLN 110/h, alternative parts; ASO: authorised-dealer rate, original parts). ERGO Hestia assesses the scope of damage and determines indemnity accordingly. Pre-existing damage to parts being replaced reduces the payout proportionally.

W stosunku do szkód częściowych rozliczenie szkody może nastąpić według: 1) metody kosztorysowej – na podstawie wyceny dokonanej przez ERGO Hestię; 2) metody serwisowej – na podstawie faktury dokumentującej naprawy pojazdu

[224] Theft & robbery: Covered ↩

Theft of the vehicle (including destruction or damage directly related to theft) is covered. At the time of theft the vehicle must have been secured as required by its construction; keys, opening/starting devices and vehicle documents must have been secured outside the vehicle. These exclusions do not apply if the vehicle was stolen by robbery (rabunek) or if the non-compliance had no causal link to the loss. Theft of vehicle parts resulting in partial damage is also covered under AC Maxi (but not AC Mini). Coverage excludes misappropriation (przywłaszczenie) by a third party. Compensation for total theft equals vehicle market value on date of loss (up to sum insured), net of salvage; ownership must be transferred to ERGO Hestia.

wskutek kradzieży pojazdu lub jego części, jeżeli: a) w chwili dokonania kradzieży pojazd nie był zabezpieczony w sposób przewidziany jego konstrukcją; b) klucze lub urządzenia służące do otwarcia i uruchomienia pojazdu lub dokumenty pojazdu nie były zabezpieczone poza pojazdem przed dostępem osób niepowołanych

[225] Glass damage: PLN 5,000 ↩

Separate optional Ubezpieczenie Szyb cover with a sum insured of PLN 5,000 and a PLN 50 excess applicable to windscreen replacement. Covers the front, rear and side windows of the insured vehicle against: collision, sudden contact with persons/animals/objects, vandalism, sports equipment collision, fire/explosion/flooding/forces of nature, sudden external thermal or chemical action. Repairs use alternative parts; original parts used only if alternatives unavailable. Territorial scope: Europe. Excludes panoramic roofs, sunroofs, mirror glass, reflectors, anti-intrusion and tinting films, decorative trims, and windows with pre-existing unrepaired damage.

Ubezpieczenie Szyb obejmuje organizację i pokrycie kosztów naprawy albo wymiany uszkodzonej bądź zniszczonej szyby czołowej, szyby tylnej lub szyb bocznych ubezpieczonego samochodu... Suma ubezpieczenia 5 000 zł Udział własny 50 zł

[226] Natural perils: Covered ↩

Included within the AC Maxi base perils: fire, explosion, flooding (zatopienie), hurricane, hail, lightning strike, avalanche, flood, earthquake and ground subsidence not caused by human activity; and sudden thermal or chemical action from outside the vehicle. These perils are listed in §4 of the OWU as causes covered by AC Uszkodzenie i Kradzież across all settlement variants. Note: submersion of liquid into the running engine (zassanie cieczy przez pracujący silnik) is explicitly excluded.

pożar, wybuch, zatopienie oraz nagłe działanie sił przyrody; nagłe działanie czynnika termicznego lub chemicznego z zewnątrz pojazdu

[227] Vandalism: Covered ↩

Intentional destruction or damage of the insured vehicle by third parties (wandalizm as defined in the OWU glossary) is covered under all settlement variants of AC Maxi (AC Uszkodzenie i Kradzież). It is explicitly listed as a covered cause of loss in the coverage table at §4. Vandalism damage must be reported to the police (§21 obliges the policyholder to notify police of any event that may have resulted from a crime or offence).

c) wandalizm;

[228] Roadside assistance: PLN 1,000 – PLN 15,000 ↩

Suma ubezpieczenia 1 000 zł 10 000 zł 15 000 zł

[229] Replacement vehicle: Optional ↩

A replacement vehicle is provided only under the Assistance po Wypadku i Awarii za Granicą variant, for up to 5 days after an accident or theft. The replacement vehicle segment corresponds to the insured vehicle (segment A/B → segment B; segment C → segment C; above segment D → segment D). Costs for fuel, insurance and the rental deposit/excess are at the policyholder's expense. A credit card or other security may be required by the rental company. Not available in the basic (Assistance po Wypadku) or domestic (Assistance po Wypadku i Awarii w Polsce) variants.

Pojazd zastępczy przysługuje na wniosek Ubezpieczonego albo uprawnionego z umowy ubezpieczenia, jeżeli ubezpieczony pojazd: a) został uszkodzony, lub b) został skradziony, na czas naprawy lub do chwili jego odzyskania, nie dłużej jednak niż na okres przewidziany w wybranym wariancie umowy ubezpieczenia.

[230] Driver accident: PLN 10,000 – PLN 25,000 ↩

Separate optional NNW cover for the driver only (NNW Kierowcy) or driver and passengers (NNW Kierowcy i Pasażerów). Sum insured options: PLN 10,000 or 20,000 per person for driver-only; PLN 10,000, 15,000, 20,000 or 25,000 per person for driver and passengers. Benefits include: death (100% of sum insured), permanent health impairment (per schedule in Annex 1), temporary incapacity (1‰ of sum insured per day from day 10, or from day 1 if incapacity ≥30 days, max 180 days), medical costs (up to 30% of sum insured, excluding rehabilitation and transport costs), and dental reconstruction (up to 20% of sum insured, max PLN 2,000, max PLN 200 per tooth). Territorial scope: worldwide. Excludes accidents unrelated to vehicle use and pre-existing illness.

Zgon Ubezpieczonego 100% sumy ubezpieczenia