AGRO Ubezpieczenia Casco (own-damage car insurance) (Bezpieczny Pojazd Autocasco)

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.

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).

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.

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.

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.

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).

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.

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.

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.