EINS Polska sp. z o.o.
EUROINS
EUROINS is a motor casco insurance for the Poland market with no online purchase and 24/7 assistance.
Direct payment
Claims are paid within 30 days of notification. For partial loss under Wariant Kosztorys settlement is based on the insurer estimate using Eurotax-Carwert, Audatex or DAT systems at a 100 PLN/h (net) labour rate. Under Wariant Sieć Partnerska the insurer pays the partner workshop directly. Under Wariant ASO settlement is based on invoices from the authorised service. For total loss compensation equals vehicle market value on the date of settlement minus residual value. For theft compensation equals vehicle market value at the time of loss.
Geographic scope
Poland (primary), with Europe extension
Poland and Europe; damages occurring in Russia, Belarus, Ukraine and Moldova are excluded by default unless agreed otherwise. Extension to Belarus, Ukraine, Moldova and European Russia is available as an optional add-on.
Unique selling points
- All-risk formula covers collision, theft, natural perils, fire and vandalism in a single policy, with vandalism explicitly included from OWU E-K-10/2024.
- Three settlement variants chosen at inception (Kosztorys, Sieć Partnerska, ASO) with direct insurer payment to the workshop and a 3-year repair warranty under the Sieć Partnerska variant.
- Optional sum-reduction waiver keeps the insured sum from decreasing after each claim payout, preserving full cover throughout the policy year.
- Optional fixed sum insured protects the agreed value against market depreciation during the policy period.
- Flexible customization including a no-deductible option and a choice of voluntary excess levels (0 / 500 / 1,000 / 2,000 PLN) lets the customer tailor the policy to individual needs.
Coverage limits
Own vehicle damage (all-risk)
Covered
Covers damage to the insured vehicle and its equipment resulting from any accidental event not explicitly excluded (all-risk formula), including collision with another vehicle, object or animal, road accidents, overturning, fire, explosion and flooding. Breakdown (awaria) from internal mechanical or electrical causes is excluded. The insured sum should correspond to the gross market value of the vehicle and ranges from 8,000 PLN to 90,000 PLN in the sales system. Compensation is determined according to the chosen settlement variant. An integral deductible of 300 PLN applies; a voluntary excess of 0 / 500 / 1,000 / 2,000 PLN is chosen at inception.
Total loss (szkoda całkowita)
Covered
Total loss is triggered when estimated repair costs exceed 75% of the vehicle market value at the date of loss assessment, or when the vehicle is stolen. Compensation equals the vehicle market value on the date of settlement minus the market value of the residual wreck determined individually, settled using Audatex, Eurotax-Carwert or DAT at ASO-level parts prices. If the optional fixed-sum rider is active, compensation equals the sum insured stated on the policy. The sum insured reduces after each claim payment unless the sum-reduction-waiver option is purchased.
Partial loss (szkoda częściowa)
Covered
Partial loss applies when repair costs do not exceed 75% of the vehicle market value at the date of loss assessment. Under Wariant Kosztorys settlement is based on the insurer estimate at 100 PLN/h (net), alternative parts at average market prices, with depreciation by vehicle age (15%-60%). Under Wariant Sieć Partnerska repair is in a partner workshop with no parts depreciation when documented by invoice. Under Wariant ASO settlement is based on authorised-service invoices at producer prices and local ASO average labour rates. Emergency foreign repairs up to 1,000 EUR may be authorised without prior insurer consent.
Theft, robbery and related losses
Covered
Covers theft (kradzież z włamaniem), robbery (rozbój), armed robbery (kradzież rozbójnicza) and extortion (wymuszenie rozbójnicze) resulting in appropriation of a vehicle secured as required by its construction and these OWU. Compensation equals the vehicle market value at the time of loss. Before payout the insured must transfer vehicle ownership to EUROINS and surrender all keys, cards and anti-theft devices declared at inception. Theft losses are excluded if the vehicle was left unattended with documents or keys inside, or without all factory anti-theft systems activated, unless stolen from a locked premises or the perpetrator used force.
Glass damage (windscreen and windows)
Covered
Windscreen and glass damage is covered under the all-risk scope of EUROINS Autocasco as a partial loss, subject to the standard 300 PLN integral deductible and the chosen settlement variant. No separate glass-only sub-limit is defined in the OWU; glass damage is settled as any other partial loss.
Natural perils (forces of nature)
Covered
Damage caused by forces of nature is included in the all-risk formula of EUROINS Autocasco, covering storms, hail, flooding, inundation, fire and other natural events causing sudden damage. Standard exclusions apply. Covered up to the insured sum (8,000-90,000 PLN).
Vandalism
Covered
Vandalism, defined as intentional destruction or damage of the vehicle by a third party, is covered under the all-risk formula of EUROINS Autocasco. This peril was explicitly defined and introduced in OWU E-K-10/24 effective 2024-10-10. Standard exclusions apply. Covered up to the insured sum (8,000-90,000 PLN).
Roadside assistance (EUROINS Assistance - Pomoc na drodze)
Optional
Roadside assistance is a separate optional product within the EUROINS AUTO package and is not part of EUROINS Autocasco. Available in 5 variants: Podstawowy (5,000 PLN/event, Poland, collision only, max 2 interventions/year), Rozszerzony Polska (10,000 PLN/event, Poland, max 2/year), Rozszerzony Europa (10,000 PLN/event, Europe, max 2/year), Maksymalny (25,000 PLN/event, Europe, max 2/year) and Maksymalny PLUS (50,000 PLN/event, Europe, max 3/year). Services include towing, on-site repair, replacement vehicle (2-7 days), hotel accommodation, travel continuation and fuel delivery. Requires an active EUROINS OC policy.
Replacement vehicle
Conditional
A replacement vehicle is available conditionally: under EUROINS Assistance Pomoc na drodze (variants Rozszerzony Polska, Rozszerzony Europa, Maksymalny, Maksymalny PLUS) for 2-7 days after towing, up to segment C or comparable at insurer cost; and under Wariant Sieć Partnerska of the Autocasco settlement as an additional service via the Partner Network repair organisation. Under the Kosztorys and ASO variants a replacement vehicle is not directly organised by EUROINS as part of the AC benefit.
Driver and passenger accident insurance (NNW)
Optional
Personal accident coverage is a separate optional product (EUROINS NNW) within the EUROINS AUTO package, not part of EUROINS Autocasco. EUROINS NNW covers permanent consequences of accidents for the driver and passengers, with 3 sum variants: 5,000 / 15,000 / 45,000 PLN per person. Additionally EUROINS NNW - Dodatkowa Ochrona Kierowcy offers a separate 100,000 PLN sum for the driver when permanent impairment of at least 50% is confirmed. Benefits: 1% of the sum per 1% of permanent impairment; 100% of the sum for death.
Key conditions
Driver age and experience limit
Drivers under 26 must be declared at inception. If an undeclared young driver (under 26) is found to have operated the vehicle, an additional excess of 25% of the claim amount (minimum 1,000 PLN) applies to Autocasco claims, and for OC an additional premium surcharge of 50% of the OC premium is imposed. No commercial discount (0%) is granted if any co-owner is aged under 27 (up to 26.99 years), has held a driving licence for less than 2 years, or has 2 or more claims recorded in UFG in the last 5 years.
Repair network requirements
Under Wariant Sieć Partnerska the vehicle must be repaired in a EUROINS partner workshop (list at www.eins.pl); the insurer settles costs directly with the workshop and a 3-year repair warranty is provided under conditions specified in the OWU. Under Wariant ASO repair is performed at an authorised service centre and settled against invoices. Under Wariant Kosztorys the insured may use any workshop and receives a cash settlement based on the insurer estimate; if repairs are not documented by a partner-network invoice, parts depreciation (15%-60% by vehicle age) is applied.
Territorial scope
Coverage applies to Poland and Europe. Damages arising in Russia, Belarus, Ukraine and Moldova are excluded by default. Extension to Belarus, Ukraine, Moldova and European Russia is available as an optional add-on at inception. Emergency repairs abroad up to 1,000 EUR may be authorised without prior EUROINS consent; reimbursement follows Polish pricing. Claims abroad must be notified within 7 days of learning of the loss, no later than 2 business days after returning to Poland.
Anti-theft requirements
At the time of contract conclusion passenger cars must be equipped with at least 1 EUROINS-approved anti-theft device (autoalarm, immobiliser, GPS tracker or mechanical gearshift lock) for vehicles with market value up to 150,000 PLN, and at least 2 independent approved devices for vehicles with market value above 150,000 PLN. All devices must hold a certificate from a body authorised to certify products for sale in Poland. The insured must engage all fitted anti-theft devices when leaving the vehicle unattended; failure to do so excludes theft cover, except when theft occurs from a locked premises or the perpetrator used force.
Claim notification deadline
Vehicle damage must be notified promptly, no later than 3 business days from the date of damage. Vehicle theft or theft of equipment must be notified no later than 2 business days from learning of the theft, and police must be notified within 12 hours of learning of the theft. Foreign claims must be notified within 7 days of learning of the event, no later than 2 business days after returning to Poland. The insured must not alter the damaged vehicle or authorise repairs without EUROINS consent before inspection, except for safety-essential changes. EUROINS has 7 days from notification to initiate the claims investigation.
Deductible rules
Integral deductible (franszyza integralna): 300 PLN - if the loss value is below this threshold EUROINS pays nothing, and above it full compensation is paid. Voluntary excess (udział własny): chosen at inception from 0 / 500 / 1,000 / 2,000 PLN and can be waived for an additional premium. Young driver additional excess: if an undeclared driver under 26 operated the vehicle at the time of loss, compensation is reduced by 25% of the claim amount, minimum 1,000 PLN. Parts depreciation under Kosztorys by vehicle age: up to 1 year 15%, 1-3 years 25%, 3-5 years 35%, 5-8 years 45%, 8-10 years 55%, over 10 years 60%. No depreciation applies under Wariant Sieć Partnerska when the repair is documented by invoice.
Documents
General Terms and Conditions EUROINS AUTO - OWU E-K-10/24 (effective from 2024-10-10)
terms_and_conditions
General Terms and Conditions EUROINS AUTO (earlier version from 2022-02-02, superseded)
terms_and_conditions
IPID - Insurance Product Information Document for voluntary EUROINS AUTO products (AC, Assistance, NNW, Opony)
ipid
IPID - EUROINS AUTO voluntary products information document latest version E-K-12/25 (effective from 2025-12-17)
ipid
EUROINS documents download page (OWU, IPID, forms)
other
Policy specifics
Damage due to collision
Coverage for vehicle damage resulting from collision with another vehicle, object, or animal
Vehicle theft coverage
Compensation for theft of the insured vehicle or its parts
Natural disasters coverage
Coverage for vehicle damage caused by forces of nature
Vandalism coverage
Coverage for vehicle damage caused by acts of vandalism
Mandatory OC insurance requirement
Purchase of EUROINS AC is conditional on having EUROINS OC insurance with the same insurer
Vehicle must be registered in Poland
Subject of EUROINS AC insurance is a vehicle with additional equipment registered in Poland
Personal vehicles only
EUROINS AC is intended for owners or holders of passenger cars only
Settlement variant options
Policyholder can choose settlement method at contract inception: Estimate variant (Kosztorys), Partner Network variant (Sieć Partnerska), or ASO variant
Territorial scope: Poland and Europe
Coverage applies to damages occurring in Poland and Europe
Flexible coverage customization
Policy allows flexible building of coverage scope depending on individual customer needs; customer can opt for removal of insurance sum reduction after claim payment