Direct Ubezpieczenia Casco (own-damage car insurance) (Allrisk Ac)

ALLRISK AC covers all-risk damage to the vehicle including collision, accident, fire, explosion, thermal and chemical factors, vandalism, natural perils, and animal collision. Compensation is paid up to the vehicle insured sum. Partial loss compensation does not reduce the insured sum. Three settlement variants available: Kosztorys (estimate-based cash payout, no depreciation on replacement parts), Warsztat/Optimum (repair in non-authorised workshop), ASO/Komfort (repair in any workshop including authorised dealer, no depreciation on original parts).

Total loss is declared when repair costs exceed 80% of the undamaged vehicle value at the date of loss. In case of total loss, compensation equals the insured sum (vehicle market value at date of loss), and the insured sum is depleted. No deductible (franszyzę integralną) applies.

Partial loss is covered up to the vehicle insured sum. Compensation paid for partial loss does not reduce the insured sum (non-depleting coverage for partial claims). No deductible (franszyza integralna) applies. Settlement method depends on chosen variant: estimate-based (Kosztorys), workshop repair (Warsztat/Optimum), or ASO repair (Komfort).

Covers theft of the vehicle, theft with break-in, robbery, and theft of vehicle parts and equipment. Theft compensation depletes the insured sum. Theft is excluded for events occurring in Belarus, Moldova, Russia, Israel, Turkey, Algeria, and Ukraine. Required anti-theft devices must be in place.

Glass damage (windscreen and other vehicle glass) is covered within the ALLRISK AC scope. The OWU contains a dedicated section on glass repair/replacement. Covered under the general all-risk scope of the AC policy.

Covered as part of the all-risk scope: hurricane/windstorm, hail, flood, lightning strike, landslide, avalanche, and other natural forces. No separate sub-limit — covered up to the vehicle insured sum.

Vandalism (dewastacja) is explicitly named as a covered peril in the ALLRISK AC scope. Covered up to the vehicle insured sum.

Motor Assistance is a separate optional product available in four variants: Podstawowy (basic, Poland only), Standard (PLN 5,000 sum, towing unlimited in Poland / 200 km in Europe, replacement vehicle 3 days after accident or theft), Komfort, and Super (PLN 25,000 sum). The Standard variant is typically bundled with the AC package. Includes on-site repair, towing, replacement vehicle, fuel delivery, tyre change, and battery start. 24/7 helpline available.

Replacement vehicle is provided as part of the Motor Assistance add-on. In the Standard assistance variant: 3 days after accident or theft. Higher assistance variants provide longer periods. Not included in the base AC coverage without an assistance rider.