Benefia Ubezpieczenia Spółka z ograniczoną odpowiedzialnością
Benefia
Benefia is a motor casco insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
Claims submitted via www.compensa.pl, by phone to the number on the policy document, or by post. Insurer initiates claim process within 7 days of notification. Payment within 30 days of claim notification; if not possible, within 14 days of when all circumstances could be established. Repair costs settled via invoice or insurer's estimate. For abroad repairs up to 1,000 EUR insured may pay and claim reimbursement in Poland based on invoices/receipts.
Geographic scope
Poland and all European countries (geographic sense), including European Russia and European Turkey (Thrace); theft excluded in Albania, Belarus, Moldova, Russia, Ukraine
Poland, all European states (geographic), European Russia (Central District, North-West District excl. Nenets AO and Republic of Komi, Volga District, Volgograd Oblast, Rostov Oblast, Republic of Kalmykia, Astrakhan Oblast, Stavropol Krai), European Turkey (Thrace). Theft cover excluded in Albania, Belarus, Moldova, Russia and Ukraine.
Unique selling points
- Non-consuming sum insured as standard: paid claims do not reduce the policy sum insured (§11.2 OWU), a feature typically charged extra by competitors.
- Three-tier variant structure (Mini/Midi/Maxi) allowing customers to choose between basic natural-perils-and-theft coverage up to comprehensive all-risks protection with original service parts.
- Wide European territorial scope including all European countries (geographic sense), covering damage from natural perils and accidents across the continent.
- Baggage and child seat coverage included (Midi/Maxi): travel baggage up to 3,000–4,000 PLN and child car seats up to 1,000 PLN covered against theft and damage as part of the AC policy.
- Sold exclusively through Santander Bank Polska's digital banking platform, enabling convenient online or mobile purchase alongside other banking products.
Coverage limits
Own Damage (collision and other events)
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 natural perils and full vehicle theft). 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).
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.
Partial Loss
Conditional
Covered in Autocasco Midi and Autocasco Maxi. In Autocasco Mini, partial loss from natural perils and full vehicle theft are covered; collision-based partial loss is 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.
Theft and Robbery of Vehicle
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.
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).
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.
Vandalism / Third-party damage
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 natural perils and full vehicle theft). Explicitly noted in marketing: covers damages caused by others, even when the perpetrator is unknown.
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).
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.
Driver Accident Insurance (NNW)
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.
Key conditions
Driver age and experience limit
No specific driver age or minimum experience limit stated in the OWU or IPID for this product. The insurer may assess risk individually at the time of application.
Repair network requirements
Autocasco Mini and Midi: repair cost established using insurer estimate (Audatex/Eurotax/DAT) at cooperating non-ASO workshop rates, or actual costs at insurer's cooperating workshop network. Autocasco Maxi: repair cost settled based on invoices from the chosen workshop using original service parts (Części oryginalne serwisowe), with labour rate capped at average ASO rate in the vehicle registration region. For abroad repairs, insurer must pre-approve costs exceeding 1,000 EUR.
Territorial scope
Poland, all European countries (geographic), European Russia (Central, North-West excl. Nenets AO and Republic of Komi, Volga, Volgograd Oblast, Rostov Oblast, Republic of Kalmykia, Astrakhan Oblast, Stavropol Krai) and European Turkey (Thrace). Theft cover excluded in Albania, Belarus, Moldova, Russia and Ukraine.
Anti-theft requirements
No specific anti-theft device requirements stated in the OWU (Document 1) for this Santander product variant. Vehicle must be secured with available devices when leaving it unattended; failure to do so due to wilful act or gross negligence excludes theft coverage (§4.1.4 OWU).
Claim notification deadline
Claims occurring in Poland: notify insurer without delay, no later than 7 working days from the date of loss or learning of the loss, by phone (number on policy), via www.compensa.pl, or by post. For vehicle theft: submit registration certificate, vehicle card (if issued), all keys and remote controls. For claims abroad: notify within 7 working days of the loss date or of returning to Poland. Police notification required within 12 hours of learning of vehicle theft.
Deductible rules
No standard percentage deductible stated in the OWU. A minimum integral franchise (franczyza integralna) of 500 PLN applies: claims below 500 PLN are not covered. For claims without submitted invoices, parts cost is reduced by an age-based depreciation schedule (§16 ust. 9 OWU): 0% for vehicles up to 1 year; 20% for 1-3 years; 30% for 3-5 years; 45% for 5-8 years; 50% for 8-10 years; 60% for over 10 years. Tyres, battery, brake and exhaust elements depreciated by actual wear regardless of vehicle age.
Policy specifics
Baggage and child seats coverage
Additional optional coverage for travel baggage and child car seats included in Autocasco Midi and Maxi variants
Motorcycle accessories coverage
Optional coverage for motorcycle-specific accessories including helmets, pants, jackets, gloves, boots, and suits
GAP Insurance (Vehicle Value Loss Protection)
Optional supplemental coverage protecting against the difference between vehicle market value and loan/purchase amount in case of total loss
Excluded vehicle types and uses
The following vehicle types may not be insured under this AC product (unless otherwise agreed): vehicles assembled outside a factory (custom/kit builds); convertibles (kabriolet); vehicles participating in rallies, races, speed trials or related training; right-hand drive vehicles; driving school vehicles; vehicles used in test or demonstration drives; vehicles used for paid rental; vehicles used for paid cargo transport; vehicles used for paid passenger transport; vehicles used as props.
Sum insured determination and non-consumption feature
The sum insured must correspond to the market value of the vehicle (including VAT) on the date of contract conclusion, determined per Eurotax catalogue. The sum insured is NOT reduced by paid claims (§11.2 OWU) – the policy has a non-consuming sum insured as a standard feature. Market value excludes historical or collector value.
Vehicle age limit
AC coverage available for vehicles up to 20 years old, or up to 25 years if continuous claim-free coverage is maintained
Anti-theft device requirement
Vehicles above certain market value thresholds must be equipped with minimum two independent anti-theft devices or combined anti-theft and location tracking system
Territorial coverage limitation for theft
AC coverage for theft is excluded in Albania, Belarus, Moldova, Russia, and Ukraine
Deductible (own contribution) options
For collision and theft claims, policyholder can choose between 0% or 10% deductible; minimum integral excess (franchisor) of 500 PLN applies below which claims are not paid
Policy period
AC insurance policy is issued for a fixed 12-month period from the agreed start date
Claim settlement method options
Policyholder can choose between: original parts repair, alternative parts repair, or estimate-based cash settlement
Equipment coverage scope
AC coverage includes basic factory equipment and safety-related equipment, gas installation elements (if registered), and optionally additional equipment for additional premium