AGRO Ubezpieczenia - Towarzystwo Ubezpieczeń Wzajemnych
AGRO Ubezpieczenia
AGRO Ubezpieczenia is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
For glass claims, payment is made directly to the operator/workshop. For vehicle damage claims, compensation is paid to the insured (kosztorys variant) or to the authorised workshop (serwis variant). In case of total loss from theft, the insured must first transfer vehicle ownership to the insurer before payment.
Geographic scope
Europe (excluding Belarus, Russia for all perils; theft also excluded in Moldova, Ukraine, Turkey)
Coverage applies on the territory of Europe. Theft coverage is excluded in Belarus, Moldova, Russia, Ukraine and Turkey. All coverage excluded in Belarus and Russia.
Unique selling points
- Two coverage tiers (MINICASCO and MAXICASCO) allow customers to choose between theft/natural-peril-only protection or comprehensive all-event cover, including road collision.
- Optional deductible (15% for accidents/natural perils, 10% for theft) reduces the premium, giving price-sensitive customers flexibility to lower costs.
- Broad suite of bundlable add-ons in a single product family: NNW, glass, baggage (up to 3,000 PLN), motorcyclist equipment (up to 5,000 PLN), assistance (24/7 alarm centre), and no-claims discount protection.
- European territorial scope for damage (excluding Belarus/Russia), with emergency foreign repair reimbursement up to 1,000 EUR for repairs needed to safely continue travel abroad.
- Mutual insurance society (Towarzystwo Ubezpieczeń Wzajemnych) structure means profits may benefit members rather than external shareholders, with personalised service and no-claims continuation option even for older vehicles.
Coverage limits
Own damage (collision / accidental damage)
Covered
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
Covered
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
Covered
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 and robbery
Conditional
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.
Glass damage (windscreen / windows)
Optional
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.
Natural perils (acts of nature)
Covered
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
Conditional
Vandalism is not listed as an explicit peril in the Autocasco section of the OWU. It may be covered under MAXICASCO as a 'zdarzenie ubezpieczeniowe' (insured event) per §2.45, which is defined as an event independent of the insured's/driver's will causing damage covered by the AC policy. However, coverage is conditional and not guaranteed since the term 'wandalizm' is only explicitly defined in the Assistance OWU (§2.1 of Bezpieczny Pojazd Assistance), not in the main AC OWU. Not available under MINICASCO. Customers should confirm with the insurer at time of contracting.
Roadside assistance (Bezpieczny Pojazd Assistance)
Optional
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.
Replacement vehicle
Optional
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.
Driver and passenger personal accident (NNW)
Optional
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.
Key conditions
Driver age and experience limit
No minimum driver age or driving experience requirement is stated in the Autocasco OWU. However, the no-claims discount protection (ubezpieczenie ochrony przed utratą zniżek) requires the policyholder to be at least 25 years old and to have held a driving licence for more than 3 years (§46.3).
Repair network requirements
MAXICASCO: damage settlement is performed in the kosztorys (cost estimate) or serwis (workshop invoice) variant, chosen at policy inception. In the serwis variant, repair must be pre-approved by the insurer (method and cost). Partner workshops (warsztat partnerski) guarantee manufacturer-standard repairs. Labour rate in kosztorys variant capped at 80 PLN/hr net; in serwis variant capped at the regional average. Damage from abroad settled at Polish price levels (§14.7). MINICASCO: settlement in kosztorys variant only; upon insured's request, insurer may arrange repair at a partner workshop for cars/trucks ≤3.5t.
Territorial scope
Coverage applies on the entire territory of Europe. Exceptions: theft coverage is excluded in Belarus, Moldova, Russia, Ukraine and Turkey; all coverage (including own damage) is excluded in Belarus and Russia (§7.1-7.2). For damage occurring abroad, emergency repairs enabling safe continuation of travel are reimbursed up to 1,000 EUR gross (converted at NBP rate on date of loss) (§19.3). Damage settled at Polish price levels regardless of where the repair is performed (§14.7).
Anti-theft requirements
Anti-theft device is a mandatory condition for theft coverage (§8). For vehicles with market value up to 150,000 PLN gross: one anti-theft device required. For vehicles with market value above 150,000 PLN gross: two anti-theft devices required. The device must be a permanently installed, independent mechanical or electronic anti-theft system installed by a licensed service station or forming part of the factory equipment (§2.33). Theft coverage is void if: the vehicle was not secured per its design; all installed devices were not activated; key/remote was left in the vehicle without protection; or key was not secured outside the vehicle (§9.3.6a-c), unless these conditions were prevented by force or threat of immediate force.
Claim notification deadline
General accidents and damage: notification to the insurer as soon as possible, no later than 7 days after the loss or learning of it (§61.1). In case of theft, theft of keys/vehicle documents, or any damage suggesting a crime: police must be notified within 2 days of the event (§19.1.2). In case of theft, the insured must provide all vehicle keys, remote controls and anti-theft device keys (minimum number as stated in the policy application) (§19.1.4). No unilateral repair may commence before the insurer's inspection, unless the insurer fails to conduct inspection within 7 days of notification (§19.1.3). The insurer pays within 30 days of claim notification; if complex, within 14 days of circumstances becoming clear (§63.5-6).
Deductible rules
Deductible (udział własny) is optional and applied at the policyholder's request (§18.1). If elected: 15% of the indemnity for damage from insured events (zdarzenie ubezpieczeniowe) and natural perils (§6.1 pkt 1 and 3); 10% of the indemnity for damage from theft (§6.1 pkt 2). When a deductible is included, the premium is correspondingly lower (§18.2). The sum insured decreases by each paid claim (sum reduction), unless the optional 'zniesienie redukcji' (sum reinstatement) add-on is purchased for an additional premium (§10.5-6). Minimum claimable damage: 500 PLN gross (§9.2.1).
Where to buy
Documents
General Terms and Conditions - Bezpieczny Pojazd (effective from 27 May 2024)
terms_and_conditions
Policy specifics
Minicasco (Limited coverage option)
Minicasco covers only partial and total damages resulting from theft or action of natural forces for cars up to 3.5 tonnes, or only total damages from insured events for motorcycles and mopeds
Baggage coverage
Coverage for loss, damage or destruction of luggage carried inside the vehicle as part of comprehensive motor insurance
Motorcyclist equipment coverage
Coverage for damage or destruction of motorcyclist equipment (helmet, boots, jacket, gloves, pants, backpack, recorder, etc.) up to 5000 PLN
Vehicle age limit
Vehicle age must not exceed 20 years (or 12 years for motorcycles) on the date of insurance contract conclusion
Repair workshop network requirement
Damage settlement can be conducted either by cost estimate assessment or through approved partner repair workshops (for cars up to 3.5 tonnes)