ERGO Hestia
ERGO Hestia is a motor casco insurance for the PL market with no online purchase and 24/7 assistance.
Direct payment
Claims are settled directly by ERGO Hestia (Bezpośrednia Likwidacja Szkód – BLS) for eligible collision events within Poland; the insured can report a claim online via the iHestia portal, by phone 801 107 107 / 58 555 55 55 (24/7), or through an agent. Compensation is paid within 30 days of notification, or within 14 days if the undisputed part can be determined.
Geographic scope
PL
Europa (zgodnie z definicją OWU), Algieria, Maroko, Tunezja, Izrael, Iran; udział własny 1000 PLN dla szkód na terytorium Białorusi, Mołdawii, Rosji i Ukrainy (z wyłączeniem zderzeń pojazdów i nagłego zetknięcia z osobami/zwierzętami/przedmiotami)
Unique selling points
- Three repair settlement methods (Kosztorys, Sieć Partnerska, ASO) let the customer choose between cashless partner-network repair with a 3-year warranty or OEM parts at an authorised dealer.
- Variant III (All Risk) covers all non-excluded perils including internal vehicle damage caused unintentionally by driver, passengers or cargo, and hacking/virus infection of onboard electronics – a scope broader than standard market offerings.
- The optional Stała Suma Ubezpieczenia (Constant Insured Sum) clause (Variant III only) locks the vehicle's market value from the contract date for the entire 12-month period with no sum consumption after claims, protecting against depreciation in total-loss scenarios.
- Car Assistance operates 24/7 with a dedicated Alarm Centre, covering towing up to 500 km in Poland and 250 km abroad, replacement vehicle up to 7 days (up to 20 days in TURBO), and on-site repair – all included in a single ERGO 7 communications package.
- Loss-of-discount protection (Ochrona Utraty Zniżki AC) allows policyholders with at least 15% no-claims discount to maintain their discount level even after one claim, available as an affordable add-on to the Autocasco policy.
Coverage limits
Own vehicle damage (collision, third-party acts, mechanical/chemical/thermal external factor)
Covered
Covers loss, destruction or damage to the vehicle and basic equipment resulting from: vehicle collision, sudden contact with persons/animals/objects from outside, vandalism, fire, explosion, flooding, sudden natural forces, sudden thermal/chemical factor from outside, hacking or virus infection of vehicle electronic systems. In Variant III (All Risk) also covers any event not explicitly excluded. Minimum damage threshold 500 PLN (Variants I and II Kosztorys). Variant I covers total loss only; Variant II covers partial and total loss; Variant III (All Risk) covers all events not excluded.
SourceTotal loss (szkoda całkowita)
Covered
Total loss is defined as theft of the vehicle or damage where repair costs exceed 70% of the vehicle's market value on the loss date (for Variants II and III with Sieć Partnerska/ASO settlement), or 70% with Kosztorys variant. Settlement is at market value on the loss date, less residual value, up to the sum insured. With the Stała Suma Ubezpieczenia clause (Variant III only), the insured sum from the contract date applies throughout the policy.
SourcePartial loss (szkoda częściowa)
Covered
Covers partial damage to the vehicle. Settlement method chosen at contract: Kosztorys (estimate-based, using Audatex system, alternative parts, labour rate 65 PLN/h brutto), Sieć Partnerska (cashless via partner workshop network, alternative parts, max 110 PLN/h), or ASO (original manufacturer parts). Minimum damage threshold 500 PLN for Variants II and III. Not available in Variant I.
SourceTheft and robbery (kradzież i rabunek)
Covered
Coverage for theft (art. 278, 279, 280 k.k.) of the vehicle or its parts, including destruction or damage directly related to the theft. Requires anti-theft devices as specified (1 device for vehicles up to 60,000 PLN; 2 devices above 60,000 PLN; 3 devices above 200,000 PLN per KM/OW020/1010). Exclusions apply if the vehicle was not properly secured, keys/documents were not secured outside the vehicle, or required documents/keys are not presented to ERGO Hestia (unless lost due to robbery). Theft coverage in Variant I is total loss only; Variants II and III cover partial and total theft losses.
SourceGlass/windscreen damage (ubezpieczenie szyb)
Optional
Covers repair or replacement of damaged/destroyed windscreen, front panoramic glass, rear glass or side windows, organized via ERGO Hestia's partner service points. Covered events include all causes not excluded, within Europe. Alternative parts used; original parts if alternatives unavailable. Deductible of 50 PLN applies to replacement/repair of windscreen or front panoramic glass. Sum insured 5,000 PLN. Available in OC Variants II and III as an additional coverage included in the package.
SourceNatural perils (nagłe działanie sił przyrody)
Covered
Included in base Autocasco coverage across all variants. Covers fire, explosion, flooding (submersion), sudden action of natural forces (including hail, hurricane, flood, lightning strike, falling trees/masts/aircraft), sudden thermal or chemical factor from outside the vehicle. Defined broadly in OWU as 'zdarzenia losowe' including: hail, hurricane, flood, earth movement, avalanche, snow pressure, earthquake, lightning, falling objects.
SourceVandalism (wandalizm)
Covered
Explicitly included in all Autocasco variants (I, II, III). Vandalism is defined as intentional destruction or damage of the insured property by a third party. Also covered in Car Assistance scope triggering roadside assistance services.
SourceRoadside assistance – Car Assistance (pomoc drogowa)
Optional
Car Assistance covers immediate roadside help organized via 24/7 Alarm Centre. Available in Variant Wypadek (accident) and Variant Awaria (breakdown), with optional TURBO extension. Basic sum insured 5,000 PLN per variant; TURBO increases to 25,000 PLN per variant. Services include: towing (Poland up to 500 km, abroad up to 250 km), replacement vehicle (up to 5-7 days standard, up to 20 days TURBO after theft), trip continuation, fuel delivery, on-site repair, accommodation up to 3 nights, psychologist assistance, secure parking (up to 300 PLN), scrapping, replacement driver, pick-up/delivery of repaired vehicle. Territorial scope: Europe (vehicle), Poland (bicycle).
SourceReplacement vehicle (pojazd zastępczy)
Optional
In AC Variant III: replacement vehicle organized and covered in case of theft – up to 7 days or cash payment, accommodation up to 3 days, trip continuation; sum 2,000 PLN per service within a total of 2,000 PLN per service (each). In OC Variant III: replacement vehicle for collision caused by the insured driver, sum 3,000 PLN. In Car Assistance: replacement vehicle up to 5 days (accident/breakdown), up to 7 days (theft) in standard; up to 20 days in TURBO variant. Costs of fuel, insurance and additional fees for the replacement vehicle are excluded.
SourceDriver and passenger accident insurance – NNW KiP
Optional
Optional personal accident insurance for the driver and passengers resulting from vehicle use. Three variants: I (10,000 PLN sum), II (30,000 PLN sum), III (60,000 PLN sum). Benefits: death (100% sum insured in Variants I and II; 200% in Variant III), permanent disability (per injury table in Appendix 1), temporary disability (1‰ per day up to 180 days), medical costs (up to 30% sum insured). Worldwide territorial scope. Excludes rehabilitation and transport costs.
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age for basic Autocasco coverage. For the Ochrona Utraty Zniżki AC (Clause 03 / loss-of-discount protection), the vehicle owner/user must be at least 26 years old (exception for business policyholders) and must have at least 15% no-claims discount on Autocasco. Age restriction does not apply to business policyholders.
repair_network_requirements
Three repair settlement methods available: (1) Kosztorys – estimate-based, using Audatex system (labour rate 65 PLN/h brutto, alternative parts); (2) Sieć Partnerska – cashless settlement via ERGO Hestia's partner workshop network (max 110 PLN/h, alternative parts, includes 3-year warranty on repair; free replacement vehicle during repair); (3) ASO – service-based settlement at authorised dealer workshops using original OEM parts. For service-based variants, repair must be pre-agreed with ERGO Hestia. Repairs abroad (outside Poland) without prior consent are limited to 2,000 EUR (brutto) for safety-enabling repairs; costs settled in Poland based on invoices.
territorial_scope
Coverage applies in Europe (as defined in OWU: Albania, Andorra, Austria, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Spain, Netherlands, Ireland, Iceland, Kosovo, Liechtenstein, Lithuania, Luxembourg, Latvia, North Macedonia, Moldova, Malta, Monaco, Germany, Norway, Poland, Portugal, Romania, San Marino, Serbia, Montenegro, Slovakia, Slovenia, Switzerland, Sweden, Ukraine, Vatican, Hungary, United Kingdom, Italy, and European parts of Russia, Turkey and Kazakhstan), Algeria, Morocco, Tunisia, Israel, and Iran. Special conditions for Belarus, Moldova, Russia, Ukraine: deductible of 1,000 PLN (does not apply to vehicle collisions or contact with persons/animals/objects from outside). Coverage for vehicles registered in Poland only.
anti_theft_requirements
For theft coverage: passenger cars up to 60,000 PLN market value require 1 anti-theft device; above 60,000 PLN require 2 devices; above 200,000 PLN require 3 devices. Trucks up to 3 tonnes, motorcycles and mopeds require at least 1 device. Trucks above 3 tonnes, articulated lorries and buses above 100,000 PLN require at least 1 device. For vehicles first registered outside Poland, installation and operability must be confirmed by an authorised service certificate (excluding factory-fitted door locks and steering wheel locks). Certificate requirement waived for continuous ERGO Hestia policyholders who have previously submitted the certificate.
claim_notification_deadline
The insured must notify ERGO Hestia of a loss immediately (niezwłocznie) after the event or upon learning of it. In the case of theft, keys loss, or criminal events, police must be notified within 24 hours of the event. ERGO Hestia must be notified within 3 days of loss occurrence (per KM/OW020/1010, §48). Failure to notify due to intentional fault or gross negligence may result in reduction of compensation if it contributed to the loss increase or prevented ERGO Hestia from determining circumstances. The insured must not begin repairs without ERGO Hestia's prior consent, unless ERGO Hestia failed to inspect within 7 days of loss notification.
deductible_rules
Voluntary deductible (udział własny) can be introduced at policyholder's request to reduce the premium (per §17 KM/OW020/1010). Mandatory 1,000 PLN deductible for losses in Belarus, Moldova, Russia and Ukraine (excluding vehicle collision and contact with persons/animals/objects from outside). Windscreen replacement: 50 PLN deductible on windscreen/front panoramic glass repair or replacement. Legal protection (Ochrona Prawna): 200 PLN deductible per claim (excluding legal advice). No deductible for losses caused by robbery (rabunek). The sum insured is reduced by each paid compensation (consumption of sum insured), unless the Stała Suma Ubezpieczenia clause is selected.
Where to buy
Policy specifics
Full coverage (All risk)
Comprehensive protection against vehicle loss, destruction, or damage from accidents, theft, fire, flooding, and other insured perils, available in variants I, II, and III with varying coverage limits
Repair settlement method options
Three repair settlement methods available: estimate-based (kosztorysowy), service-based (serwisowy), or repair network-based (naprawa w sieci partnerskiej ERGO Hestii)
Territorial scope and special conditions
Coverage applies in Europe (per OWU definition), Algeria, Morocco, Tunisia, Israel, and Iran. Special conditions for Belarus, Moldova, Russia, and Ukraine with 1000 PLN deductible.
Constant insured sum (Stała suma ubezpieczenia)
Optional feature that maintains the vehicle's market value from the contract date throughout the entire 12-month insurance period, preventing depreciation deductions
Loss of discount protection (Ochrona utraty zniżki AC)
Optional insurance feature that protects the insured's discount rate in subsequent insurance contracts even after reporting one damage claim during the policy period
Anti-theft device requirements
For vehicles first registered outside Poland, proper installation and operability of anti-theft devices must be confirmed by an authorized service station certificate (excluding factory-fitted door locks and mechanical steering wheel locks)
Vehicle valuation for insured sum determination
Sum insured is determined based on market value of vehicles of the same make and model in Poland, accounting for year of manufacture, equipment, mileage, and individual characteristics. For imported vehicles, expert valuation may be required at policyholder's cost.
Damage assessment system (Audatex)
In the estimate-based (kosztorysowy) variant, damage is assessed using the Audatex system, accounting for labor time norms and depreciation of parts. For parts replaced before the damage, amortization is calculated from the installation date.