Generali Casco (own-damage car insurance) (Autocasco Santander)

Mini variant: covers only damage caused by natural perils (Żywioły: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, ground subsidence) and theft of the whole vehicle (no theft of parts). Midi and Maxi variants: cover all insured events including collision with another vehicle or object, vandalism, and theft of parts. Indemnity is capped at the vehicle's market value on the day of loss; the insured sum does not decrease after a partial loss payment. Parts pricing: Mini uses comparable-quality parts; Midi uses original parts; Maxi uses original service parts. Where no repair invoices are submitted, a fixed rate of PLN 60 net per labour-hour applies regardless of variant.

A total loss is declared when estimated repair costs (calculated gross, including VAT, using Audatex/Eurotax/DAT systems with manufacturer time norms and variant-appropriate parts pricing) exceed 70% of the vehicle's market value on the day of loss. Indemnity equals the market value of the vehicle on the day of loss (per Eurotax) minus the market value of salvage remains. Maxi variant: labour rate based on average ASO rates in the registration province; Mini/Midi: based on average rates in Generali partner workshops outside ASO network.

Covered in Midi and Maxi variants for all insured events (collision, vandalism, natural perils, etc.). In Mini, partial damage from natural perils is covered but partial theft of parts is not. Indemnity settled either via Generali's own cost estimate or based on actual invoices from a Generali partner workshop (Mini/Midi) or any workshop including ASO (Maxi). Labour rate: Maxi – actual workshop rate up to average ASO rate in the province; Mini/Midi – Generali partner workshop rate outside ASO. Wear deductions applied to tyres, battery, exhaust and brake friction elements. Insured sum does not reduce after payment.

All three variants cover theft of the whole vehicle (ordinary theft, break-in theft, robbery, theft with violence, extortion – per Polish Penal Code arts. 278-282). Mini variant covers only whole-vehicle theft, not theft of parts or accessories. Midi and Maxi additionally cover theft of parts and standard equipment. Indemnity equals the market value of the vehicle on the day of theft (Eurotax). Theft is excluded where the insured negligently left keys, remote controls, code cards or vehicle documents inside or outside the vehicle. Theft coverage is additionally excluded for events occurring in Albania, Moldova and Ukraine.

Glass damage is not covered as a separate module within this product. In Midi and Maxi variants, damage to glass caused by an insured event (collision, vandalism, natural perils) is included within the general partial-loss coverage up to the vehicle's insured sum. There is no standalone glass-only module or separate glass sublimit in this OWU. Mini covers glass damage only if caused by natural perils (Żywioły).

Covered in all three variants (Mini, Midi, Maxi). Natural perils (Żywioły) are defined as: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, and ground subsidence. This is the only risk category covered by the Mini variant for partial damage. Indemnity capped at the vehicle's insured sum.

Covered in Midi and Maxi variants as part of comprehensive coverage for all insured events. Not covered in Mini variant (which is limited to natural perils and whole-vehicle theft). Indemnity for partial damage applies per §16 of the OWU, capped at the vehicle's market value. Acts of war, civil commotion, riots, terrorism and participation in protest blockades are explicitly excluded across all variants.

Roadside assistance is not part of this Autocasco product. Assistance is sold as a separate insurance product for Santander Bank Polska customers (separate OWU). This OWU covers only physical damage to and theft of the vehicle.

A replacement vehicle is not included in this Autocasco product. No provision for a courtesy or hire car appears in the OWU. Customers requiring a replacement vehicle must purchase a separate Assistance product.