Beesafe Casco (own-damage car insurance) (Pakiet Komunikacyjny Ac)

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.

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.

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.

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.

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.

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.

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).

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.

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.