Credit Agricole Towarzystwo Ubezpieczeń Spółka Akcyjna
Credit Agricole
Credit Agricole is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Claims are paid in gross amount (including VAT). For partial losses, settlement is based on repair invoices from authorised or partner workshops (depending on variant) or an expert estimate (cost estimate method) at a labour rate of 95 PLN net per hour. For total loss, compensation equals market value of vehicle on the day of loss less residual value. Payment is made within 30 days of notification; if liability cannot be determined within 30 days, payment is made within 14 days of determination. Glass repair costs are paid directly to the partner workshop. Assistance costs are organised and paid directly by the Alarm Centre on behalf of the insurer.
Geographic scope
Poland and Europe (excluding Russia, Belarus, Ukraine, Moldova)
Coverage applies to events occurring in Poland and other European countries or their European parts, excluding Russia, Belarus, Ukraine and Moldova. Glass repair organised only in Poland.
Unique selling points
- NNW accident sum insured up to 500,000 PLN per person per event — marketed as the highest NNW coverage limit on the Polish motor insurance market.
- Moto Assistance Podstawowy included at no extra cost with every Moto OC purchase, covering towing up to 200 km across Poland and EU (excluding Russia, Belarus, Ukraine, Moldova).
- No sum insured reduction after each claim payout under the 2026 OWU (default non-reducing sum), allowing full coverage to persist throughout the policy year without purchasing an add-on.
- Cyber coverage included in the Extended (Rozszerzony) variant: damage from virus infection or electronic system intrusion is covered, a peril often excluded by standard casco products.
- Policy purchase available up to 90 days in advance of the coverage start date, with premium payable automatically from a Credit Agricole bank account or credit card.
Coverage limits
Own damage (collision / accident)
Conditional
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).
Total loss
Covered
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.
Partial loss (damage to vehicle / equipment)
Covered
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.
Theft and robbery of vehicle or parts
Covered
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.
Glass damage (Moto Szyby)
Optional
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.
Natural perils (forces of nature)
Covered
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.
Vandalism and third-party actions
Conditional
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.
Roadside assistance (Moto Assistance)
Optional
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).
Replacement vehicle (within Moto AC)
Conditional
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.
Driver and passenger accident (Moto NNW)
Optional
Available as a separate optional module (Moto NNW) in three sum-insured variants: 100,000 PLN, 300,000 PLN, or 500,000 PLN per event and per person. Covers: health impairment (permanent disability) of driver and passengers resulting from a road accident, assessed per the Body Injury Table (Tabela Uszkodzeń Ciała) at 0.5% of sum insured per 1% disability; death of driver or passengers within 2 years of the accident (50% of sum insured); death of a pet transported in the vehicle (2,000 PLN one-time payment). Excludes: unfastened seat belts, overcrowding, illness-triggered events (heart attack, stroke), general exclusions. Notification deadline: 7 days from the event (unless health prevents it). Vehicle age limit for variants 300,000 and 500,000: max 20 years.
Key conditions
Driver age and experience limit
No driver age or experience minimum is stated in the OWU for the Moto AC product. Coverage is limited to vehicles owned by natural persons (individuals); legal entities cannot take out Moto AC. The policyholder (Ubezpieczający) must be an adult natural person and may not conclude the contract in connection with business activity.
Repair network requirements
Repair network requirements depend on the chosen Moto AC variant: Mini – repair at partner workshop (or cost estimate); Standardowy Serwis – partner workshop or non-authorised workshop (or cost estimate); Standardowy Wycena Ekspercka – cost estimate only (no direct workshop repair under this variant's main settlement method); Rozszerzony – authorised workshop (ASO), partner workshop or non-authorised workshop with original parts. All repair works must be agreed with the insurer before commencement; if repairs start before CATU approves the estimate, settlement reverts to the cost-estimate method.
Territorial scope
Coverage applies in Poland and all other European countries or their European parts, excluding Russia, Belarus, Ukraine and Moldova. For events occurring outside Poland: immediate notification required; up to 4,000 PLN equivalent reimbursed for repairs enabling continuation of travel; full settlement according to OWU terms for repairs exceeding 4,000 PLN equivalent. Moto Szyby glass repair is organised only in Poland.
Anti-theft requirements
The vehicle must have a factory-installed immobiliser. Theft without force (non-robbery) is excluded if the insured: (a) left keys or remote controls in the vehicle; (b) failed to secure keys/remote controls outside the vehicle; or (c) failed to activate available anti-theft systems as intended by the manufacturer — unless the insured is not culpable for these circumstances. All keys and anti-theft devices must be surrendered to the insurer as a condition for theft claim settlement. If keys are stolen or lost during the policy period and locks/codes are changed, the insured must notify the insurer and provide a VAT invoice for the lock/code change service.
Claim notification deadline
For damage/accident: notify the insurer as soon as possible, no later than 7 days from the event. For theft of vehicle or parts: notify police within 2 days of discovering the theft; notify the insurer within 2 days of learning of the theft. For events abroad: notify the insurer immediately and send photographic documentation. No repairs or changes may be made to the damaged vehicle without the insurer's agreement (unless necessary to secure property or minimise damage), except if the insurer fails to commence inspection within 7 working days of notification.
Deductible rules
Standard deductible: none (no compulsory excess). Optional Udział Własny (own contribution) clause: reduces any claim payout by 1,000 PLN per event in exchange for a lower premium. For glass damage (Moto Szyby): no deductible on the first claim; 30% own contribution on parts and labour from the second claim onward (unless first claim was a repair rather than glass replacement). Minimum damage threshold for Moto AC: 300 PLN (claims below this amount are not covered). Depreciation (amortisation) applies to parts in the cost-estimate settlement method (not in workshop repair): 0–3 yrs 15%, 4–5 yrs 25%, 6–8 yrs 40%, 9–10 yrs 50%, 11+ yrs 60%.
Where to buy
Documents
General Insurance Conditions – Pakiet Moto (OWU MOTO-2026-04, effective 2026-02-13) – Current version
terms_and_conditions
General Insurance Conditions – Pakiet Moto (OWU MOTO-2024-01, effective 2024-11-18) – Previous version
terms_and_conditions
IPID – Insurance Product Information Document – Pakiet Moto (MOTO-2024-01)
ipid
Policy specifics
Vehicle age limit for standard variant
Vehicles not older than 15 years for Moto AC Mini and Moto AC Standard variants
Vehicle value limit for Moto AC coverage
Vehicle value must be at least 10,000 PLN and not exceed 500,000 PLN
Moto AC coverage variants available
Four coverage variants: Mini, Standard with Repair Service (Serwisowy), Standard with Expert Assessment (Wycena Ekspercka), and Extended
Damage and theft coverage in Moto AC
Coverage includes damages resulting from vehicle damage, destruction, or theft of the vehicle, its parts or equipment
Basic assistance included with Moto AC
Moto AC purchase includes free Moto Assistance Podstawowy (Basic Assistance) coverage available in Poland and Europe
Optional glass coverage
Customers can optionally purchase Moto Glass (Moto Szyby) coverage for vehicle windows
Optional baggage/cargo coverage
Customers can optionally expand Moto AC to include baggage protection
Mandatory Moto OC requirement for Moto AC
Moto AC voluntary insurance must be concluded simultaneously with Moto OC third-party liability insurance
Repair service network options in Moto AC
Moto AC Standard variant offers choice between Repair Service network (Serwisowy) or Expert Assessment (Wycena Ekspercka) repair options
Standard insurance period
Moto AC insurance contract is concluded for 12-month period
Premium payment options
Insurance premium can be paid as single lump sum or in installments