Credit Agricole Casco (own-damage car insurance) (Moto Ac)

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).

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.

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.

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.

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.

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.

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.

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).

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.