ERGO Hestia Casco (own-damage car insurance) (Autocasco Ergo7 Wariant Iii All Risk)

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.

Driver age and 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.

Anti-theft requirements

ERGO 7 motor terms require only that the vehicle be secured in the manner provided by its construction at the time of the theft, and that keys/devices needed to open or start the vehicle and the vehicle's documents be kept outside the vehicle, away from unauthorised persons. After a theft, the insured must present to ERGO Hestia the documents that allowed the vehicle to be used on the road and all devices for opening/starting it declared when the contract was concluded. These exclusions do not apply if the breach had no causal link to the loss or the vehicle was lost through robbery. The OWU sets no minimum number of anti-theft devices by vehicle value.

Section: Ubezpieczenie Autocasco > § 6

w chwili kradzieży pojazd nie był zabezpieczony w sposób przewidziany jego konstrukcją; klucze lub urządzenia służące do otwarcia i uruchomienia pojazdu lub dokumenty pojazdu nie były zabezpieczone poza pojazdem przed dostępem osób niepowołanych

Claim notification deadline

The insured must notify ERGO Hestia of a loss immediately (niezwłocznie) after it occurs or after learning of it (§ 33 ust. 1). The insured must also immediately notify the police of any event that may have resulted from a crime or petty offence, including vandalism (§ 27 ust. 1 pkt 2). The OWU sets no fixed number of days for either notification. Failure to notify immediately, due to intentional fault or gross negligence, may reduce the compensation only if it contributed to increasing the loss or prevented ERGO Hestia from establishing the circumstances and effects of the event (§ 33 ust. 3). The insured must not begin repairs without ERGO Hestia's consent, unless ERGO Hestia failed to carry out an inspection within 7 days of the loss being reported for reasons attributable to ERGO Hestia (§ 28 pkt 1).

Section: IV. Zgłoszenie szkody oraz ustalanie rozmiaru i wysokości odszkodowania lub świadczenia > § 33

Ubezpieczony ma obowiązek powiadomić ERGO Hestię o zdarzeniu niezwłocznie po jego zajściu lub uzyskaniu o nim wiadomości.

Deductible rules

ERGO 7 motor terms do not include a general policyholder-selected deductible to lower the premium. A mandatory 1,000 PLN deductible applies to losses occurring in Belarus, Moldova, Russia and Ukraine, except losses from vehicle collisions or sudden contact with persons, animals or objects from outside the vehicle (§ 4 ust. 4). A 50 PLN deductible applies to the insured's share of claims for replacing the windscreen or front panoramic glass (§ 13 ust. 4). A 200 PLN deductible applies to each claim under Legal Protection (Ochrona Prawna), except legal advice (§ 19 ust. 3). No deductible applies to losses caused by robbery. The sum insured is reduced by each amount of compensation paid, unless the Stała Suma Ubezpieczenia clause has been selected (Variant III only) (§ 24 ust. 1, 3).

Section: Ubezpieczenie Autocasco > § 4

Do szkód powstałych na terytorium Białorusi, Mołdawii, Rosji i Ukrainy ERGO Hestia wprowadza udział własny 1000 zł.

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; if the circumstances cannot be established within that time, within 14 days of when they could be established, with the undisputed part still paid within 30 days.