Direct pojišťovna a.s. Joint Stock Company Branch in Poland
Direct Ubezpieczenia
Direct Ubezpieczenia is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Direct pojišťovna (via UNEXT) manages claims directly. Damage claims can be submitted online via the UNEXT portal or by phone 24/7. In the workshop (Optimum) and ASO (Komfort) variants, the insurer settles repair costs directly with the repair shop. In the Kosztorys variant, compensation is paid in cash based on an expert estimate.
Geographic scope
Poland and Europe
Coverage applies in Poland, EU member states, and selected other European countries. Theft is excluded in Belarus, Moldova, Russia, Israel, Turkey, Algeria, and Ukraine.
Unique selling points
- No deductible (franszyza integralna) on any claim — full compensation paid from the first złoty of damage.
- Travel luggage coverage up to 5% of vehicle sum (max 3,000 PLN) included as standard in every ALLRISK AC policy.
- Partial loss claims do not reduce the insured sum — the full vehicle sum remains available for subsequent claims throughout the policy year.
- Three repair settlement variants (Kosztorys / Warsztat Optimum / ASO Komfort) allow customers to choose between cash payout, non-authorised workshop, or full ASO repair.
- 24/7 Claims Centre operated by UNEXT with online claim submission — fast, paperless process via portal or phone.
Coverage limits
Own damage (collision, accident)
Covered
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
Covered
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
Covered
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).
Theft and robbery
Covered
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
Covered
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.
Natural perils
Covered
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
Covered
Vandalism (dewastacja) is explicitly named as a covered peril in the ALLRISK AC scope. Covered up to the vehicle insured sum.
Roadside assistance (Motor Assistance)
Optional
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
Optional
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.
Driver and passenger accident insurance (NNW)
Optional
NNW (accident insurance for driver and passengers) is a separate optional product available alongside AC. It covers permanent disability and death resulting from a traffic accident. The insured sum and coverage scope are defined in the NNW-specific OWU section. Not included in base ALLRISK AC coverage.
Key conditions
Driver age and experience limit
No explicit minimum driver age or experience requirement found in the ALLRISK AC sources. The policy is open to individuals, legal persons, and organisational units. Vehicle maximum age is 20 years at policy inception.
Repair network requirements
Three repair variants apply: Kosztorys — cash payout based on expert estimate (no authorised workshop required); Warsztat (Optimum) — repair in any non-authorised workshop; ASO (Komfort) — repair in any workshop including authorised dealer (ASO). In workshop variants, the insurer settles directly with the repair shop; on client request, estimate-based payout is also possible.
Territorial scope
AC coverage applies in Poland, all EU member states, and selected other European countries (including Andorra, Montenegro, Iceland, Liechtenstein, North Macedonia, Monaco, Norway, San Marino, Switzerland, United Kingdom, Vatican). Theft is excluded for events in Belarus, Moldova, Russia, Israel, Turkey, Algeria, and Ukraine.
Anti-theft requirements
The vehicle must be equipped with the anti-theft devices required by the insurer as a condition for theft coverage. Specific requirements are set out in the OWU anti-theft section. Failure to maintain required devices may result in denial of theft claim.
Claim notification deadline
The policyholder must notify the insurer promptly (niezwłocznie) after the loss event. For theft, police must also be notified immediately. Delayed notification may result in reduced compensation or claim denial. Claims can be submitted online via the UNEXT portal or by phone to the 24/7 Claims Centre (+48 22 123 55 55).
Deductible rules
No deductible (franszyza integralna) applies — this is a key feature of Direct's ALLRISK AC. There is no minimum claim threshold below which compensation is not paid. Partial loss compensation does not reduce the insured sum; only theft and total loss deplete the insured sum.
Where to buy
Documents
General Terms and Conditions of Motor Insurance Direct pojišťovna - version 04.2025 (current)
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General Terms and Conditions of Motor Insurance Direct pojišťovna - version 01.2024 (superseded)
terms_and_conditions
Product presentation Direct - ALLRISK AC variants (Optimum and Komfort) - 02.06.2025
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General Terms and Conditions of Motor Insurance Direct pojišťovna - old version (superseded)
terms_and_conditions
Procedure for concluding Direct insurance contracts - 13.05.2025
other
Policy specifics
Travel luggage coverage
Coverage for travel luggage included in ALLRISK AC variant. Maximum limit is 5% of vehicle insurance sum or 3,000 PLN, whichever is lower.
Additional equipment coverage
Optional coverage for additional equipment such as audio systems, navigation devices (GPS), external roof racks, spoilers, decals, and other non-factory components permanently mounted in the vehicle. Can be obtained on request at policy inception.
Vehicle inspection requirement
AC coverage begins no earlier than after positive result of vehicle inspection, if the Insurer informs the Policyholder about this requirement before contract conclusion.
Territorial coverage restriction
AC coverage does NOT apply to theft that occurred in Belarus, Moldova, Russia, Israel, Turkey, Algeria, or Ukraine. Coverage applies in Poland, EU countries, and selected other European countries.
Non-deductible indemnity for partial loss
Compensation paid by Direct Ubezpieczenia from AC does not reduce the insurance sum EXCEPT in case of theft or total loss. This means multiple partial claims do not deplete the coverage limit.
Total loss threshold
Vehicle is considered total loss if damage exceeds 80% of the undamaged vehicle value on the date of loss. In such cases, the insurance sum is paid and deducted from further coverage.