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
Claims are settled by Direct ubezpieczenia (via UNEXT sp. z o.o.) directly to the insured or to the repair workshop. The insured may choose any authorised or independent workshop. No reduction of the sum insured for partial damage claims (only total loss and theft reduce the sum insured).
Geographic scope
Poland and Europe
Coverage applies in Poland and European countries. Theft coverage does not apply in Belarus, Moldova, Russia, Israel, Turkey, Algeria, or Ukraine.
Unique selling points
- No depreciation on parts in all ALLRISK AC sub-variants: zero depreciation on replacement parts (Kosztorys) or on original parts (Komfort), with no minimum damage threshold.
- Partial damage payouts do not reduce the sum insured, enabling multiple claims within the same policy year without coverage erosion.
- Optional fixed-value sum insured: in total loss or theft, compensation is based on the vehicle value at policy inception rather than the depreciated value at loss date.
- Travel baggage inside the vehicle is covered up to PLN 3,000 (or 5% of vehicle sum insured) automatically within the ALLRISK AC variant at no extra premium.
- Full online purchase and claims management: policies can be bought, renewed, and claims filed entirely online through the Direct/UNEXT platform, with a 24/7 alarm centre.
Coverage limits
Own Damage (All-Risk / Named Perils)
Covered
In ALLRISK AC variant: covers damage, destruction or loss of the vehicle from any cause not excluded in the OWU, including collision, fire, vandalism, flooding and other events. In Smarter Casco: covers only named perils (natural elements, theft, total loss, wildlife collision). Sum insured equals vehicle market value. No depreciation on replacement parts in Kosztorys sub-variant; no depreciation on original parts in Komfort sub-variant.
Total Loss
Covered
Declared a total loss when repair costs exceed 80% of the undamaged vehicle value on the date of loss (per official product presentation). Settlement equals the vehicle value at loss date minus salvage value. Available in both ALLRISK AC and Smarter Casco variants. Optional fixed-value sum insured available: in case of total loss or theft, compensation is based on the vehicle value at policy inception rather than at loss date.
Partial Loss
Covered
Covered under ALLRISK AC variants. Compensation calculated using the expert system based on repair norms and hourly labour rates (PLN 123 gross in Kosztorys/Smarter Casco, PLN 197 gross in Optimum, PLN 283 gross in Komfort). No minimum damage threshold – even minor damage can be claimed. Partial loss payment does not reduce the sum insured. Not covered under Smarter Casco (which only covers total loss, theft, natural perils, and wildlife).
Theft and Robbery
Covered
Covered in both ALLRISK AC and Smarter Casco variants. Theft coverage does not apply in Belarus, Moldova, Russia, Israel, Turkey, Algeria, or Ukraine. Theft claim reduces the sum insured. Loss of keys covered as an optional add-on.
Glass Damage
Covered
Covered under ALLRISK AC as part of all-risk coverage (e.g. stone chip cracking or shattering glass). Also available as a separate optional glass insurance add-on (ubezpieczenie szyb). Not explicitly listed as a named peril in Smarter Casco.
Natural Perils (Elements)
Covered
Covered in both ALLRISK AC (all-risk basis) and Smarter Casco (named peril). Natural perils include sudden forces of nature such as storm, hail, flood, lightning strike, hurricane, and similar events. Coverage applies in Poland and European countries.
Vandalism
Covered
Covered under ALLRISK AC as part of all-risk coverage, including intentional damage by third parties and damage caused during break-in attempts. Not an explicitly named peril in Smarter Casco.
Roadside Assistance (Motor Assistance)
Optional
Sold as a separate Motor Assistance product in four variants: Basic (Podstawowy – Poland only), Standard, Komfort, and Super (Standard/Komfort/Super cover European countries). The Basic variant includes towing up to 150 km within Poland and on-site repair. Higher variants include replacement vehicle (up to 10 days for accident/theft, up to 5 days for breakdown), accommodation, and foreign language interpreter assistance. Assistance sum insured up to PLN 25,000 in Super variant.
Replacement Vehicle
Optional
Available within the Motor Assistance product (Standard, Komfort, Super variants). Replacement vehicle provided for up to 10 days in case of accident or theft, and up to 5 days in case of breakdown. Not included in the Assistance Basic variant.
Driver and Passenger Accident (NNW)
Optional
Sold as a separate NNW (personal accident) product covering the driver and passengers. The sum insured is PLN 10,000. Covers permanent consequences of accidents including death, bodily injury, or health disorder resulting from a traffic accident. Coverage applies in Poland and EU member states, plus several non-EU European countries.
Key conditions
Driver age and experience limit
No specific driver age or experience limits were identified in the verified sources for the AC product. The insurer targets individual customers (b2c) with no stated minimum age restriction beyond standard Polish law requirements.
Repair network requirements
The insured may use any workshop of their choice. Settlement is calculated using an expert system based on manufacturer repair norms and applicable hourly labour rates: PLN 123 gross/hour (ALLRISK Kosztorys and Smarter Casco), PLN 197 gross/hour (ALLRISK Optimum), PLN 283 gross/hour (ALLRISK Komfort). The chosen variant determines the depreciation rule: Kosztorys – no depreciation on replacement parts; Komfort – no depreciation on original parts.
Territorial scope
AC coverage applies in Poland and European countries. Theft coverage is explicitly excluded for events occurring in Belarus, Moldova, Russia, Israel, Turkey, Algeria, and Ukraine. Motor Assistance Basic variant covers Poland only; Standard, Komfort, and Super variants cover listed European countries.
Anti-theft requirements
The vehicle must be secured using the means provided by its construction. Standard vehicle locks and security devices as provided by the manufacturer are required. Specific additional anti-theft device requirements were not stated in the verified sources, but keys must not be left accessible to unauthorised persons.
Claim notification deadline
Claims should be reported as soon as possible after the event. Claims can be submitted online via the insurer's electronic form or by phone. No specific mandatory notification deadline (number of days) was found in the searched excerpts; the OWU requires prompt notification.
Deductible rules
No compulsory deductible (franszyza integralna) applies. An optional voluntary excess (franszyza redukcyjna) may be chosen to lower the premium. No minimum damage threshold applies – even minor damage can be claimed under AC.
Where to buy
Documents
General Terms and Conditions of Motor Insurance – Direct pojišťovna (January 2024)
terms_and_conditions
General Terms and Conditions of Motor Insurance – Direct pojišťovna (April 2025)
terms_and_conditions
Direct ubezpieczenia – Product Presentation (March 2025)
other
UNEXT document repository – OWU, PIDs, and product cards for Direct ubezpieczenia
other
Policy specifics
Travel Baggage Coverage
Coverage for travel baggage within vehicle, limited to 5% of vehicle insured sum or PLN 3,000 maximum
Additional Equipment Coverage
Optional coverage for additional vehicle equipment specified in insurance contract
Theft Coverage Geographic Restrictions
Coverage for theft does not apply in Belarus, Moldova, Russia, Israel, Turkey, Algeria, or Ukraine
Total Loss Threshold
Vehicle is considered total loss when damage exceeds 70% of vehicle value on date of loss
Repair Cost Calculation Variants
ALLRISK AC offers two repair cost calculation variants: 'Kosztorys' (no depreciation on replacement parts) and 'Komfort' (no depreciation on original parts)
Non-Deductible Compensation Rule
Compensation paid by insurer does not reduce sum insured, except for total loss or theft claims