Generali Towarzystwo Ubezpieczeń S.A.
Generali
Generali is a motor casco insurance for the Poland market with no online purchase and 24/7 assistance.
Direct payment
Indemnity is paid by bank transfer in PLN to the insured's bank account within 30 days of receiving notification of the insured event. If circumstances cannot be established within that period, the undisputed portion is paid within 30 days and the remainder within 14 days of when resolution was possible. For total-loss theft, the insured must first transfer vehicle ownership to Generali and submit a deregistration decision.
Geographic scope
Poland and European geographic states including European part of Turkey (Thrace); theft excluded in Albania, Moldova, Ukraine; Russia, Belarus, Crimea and Russian-occupied Ukrainian territories excluded entirely
Coverage applies to insured events arising in Poland, all geographically European states and the European part of Turkey (Thrace up to the Sea of Marmara and the Bosphorus/Dardanelles straits), excluding Russia, Belarus, the Crimea region, Zaporizhzhia, Kherson, Donetsk and Luhansk oblasts (Russian-occupied Ukrainian territory). Theft of vehicle/parts is additionally excluded in Albania, Moldova and Ukraine.
Unique selling points
- Three selectable coverage tiers (Mini/Midi/Maxi) allow matching of protection level to vehicle age and budget, with the insured sum not reduced after partial-loss payments.
- Midi and Maxi variants include travel baggage coverage (up to PLN 4,000 in Maxi) and child car seat protection (PLN 1,000) at no additional premium.
- Coverage extends across all geographically European countries (including European Turkey), with repairs abroad up to EUR 1,000 permitted without prior insurer approval.
- Maxi variant uses manufacturer-authorised service parts (Części oryginalne serwisowe) and actual ASO labour rates, delivering factory-standard repairs for vehicles up to 9 years old.
- The vehicle age restriction does not apply upon renewal in the same variant, enabling long-term policyholders to maintain their coverage tier regardless of vehicle age.
Coverage limits
Own damage (collision, accident, vandalism, fire, natural perils)
Conditional
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.
Total loss (constructive or actual)
Covered
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. A fixed parts-reduction schedule (0% for vehicles up to 1 year old, rising to 60% for vehicles over 10 years old) applies when no invoices are submitted.
Partial loss (damage not constituting a total loss)
Conditional
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, brake and clutch friction elements. Insured sum does not reduce after payment.
Theft and robbery of vehicle
Conditional
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 (windscreen and other glazing)
Conditional
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).
Natural perils (Żywioły)
Covered
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.
Vandalism and third-party damage
Conditional
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
Excluded
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.
Replacement vehicle
Excluded
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.
Driver personal accident (NNW)
Excluded
Personal accident insurance for the driver is not included in this Autocasco product. NNW coverage is offered as a separate insurance product for Santander Bank Polska customers under a separate OWU.
Key conditions
Driver age and experience limit
The OWU does not specify a minimum driver age or minimum driving experience as a condition of coverage. Premium calculation factors include the age of the vehicle owner/co-owner and their claims history, but no minimum age exclusion is stated.
Repair network requirements
Mini and Midi variants: damage indemnity is settled via Generali's valuation or invoices from Generali partner workshops (non-ASO). Maxi variant: indemnity may be settled via Generali valuation or invoices from any workshop including ASO. Labour rate for Maxi: actual workshop rate up to the average ASO rate in the vehicle's registration province. Labour rate for Mini/Midi: average rate of Generali partner workshops outside ASO, or 60 PLN net/hour where no invoices are submitted.
Territorial scope
Insured events covered in Poland, all geographically European states and European Turkey (Thrace). Excluded entirely: Russia, Belarus, Crimea, Zaporizhzhia/Kherson/Donetsk/Luhansk oblasts (Russian-occupied Ukrainian territory). Theft of vehicle/parts additionally excluded in Albania, Moldova and Ukraine.
Anti-theft requirements
Theft coverage is excluded if the loss resulted from the insured's intentional act or gross negligence in failing to secure keys, remote controls, code cards or vehicle documents outside the vehicle. The insured must report theft to the police immediately, no later than 12 hours after becoming aware of the theft. On notification of theft, the insured must surrender all keys, remote controls and the vehicle registration certificate (and vehicle card if issued) to Generali, unless lost during robbery or other notified circumstances.
Claim notification deadline
Claims arising in Poland: notify Generali without delay, no later than 7 business days from the date of loss or from the date of becoming aware of it. Claims arising abroad: same 7-business-day deadline. Theft must additionally be reported to the police immediately and no later than 12 hours after becoming aware of it. Failure to notify within the deadline (if due to wilful intent or gross negligence) entitles Generali to reduce the indemnity proportionally to the impact on loss determination.
Deductible rules
The OWU does not mention any standard deductible (udział własny / franszyza) applied to indemnity payments. Individual deductible amounts may be agreed in the policy document. Wear-and-tear deductions are applied to certain consumable parts (tyres, battery, exhaust system, brake and clutch friction elements) proportional to their actual condition.
Policy specifics
Wallbox damage coverage
Optional protection for electric vehicle charging station (Wallbox) damage when Autocasco is purchased for electric or hybrid vehicles
Child car seat coverage
Coverage for child car seats that are damaged or stolen as a result of insured events
Travel baggage coverage
Optional protection for personal items and luggage of driver and passengers damaged during insured events
Additional vehicle equipment coverage
Coverage for non-standard vehicle equipment and accessories damaged in insured events
Vehicle age limit
Maximum vehicle age at policy inception varies by variant: 15 years (Mini), 11 years (Midi), 9 years (Maxi) in some variants
Total loss threshold
Vehicle is deemed total loss when repair costs exceed 70% of vehicle market value
Bonus/Malus claims history discount
Premium adjustments based on insurance history and claims made during the policy period
Geographic coverage territory
Coverage applies to events occurring within Europe including some Eastern European territories; theft exclusions apply to Belarus, Russia, Ukraine, and Moldova
Repair method selection
Policyholder can choose repair method: independent repair shop, authorized service center (ASO), or expert damage assessment
Sources
- https://www.generali.pl/dla-ciebie/autocasco
- https://www.generali.pl/media/Ogolne_Warunki_Ubezpieczen_Komunikacyjnych_GENERALI_AUTOPROGRAM_obowiazujace_od_1_06_2023r_be79fba770.pdf
- https://www.generali.pl/media/Ogolne_Warunki_Ubezpieczen_Komunikacyjnych_Generali_z_mysla_o_aucie_obowiazujace_od_18_kwietnia_2024_r_PDF_c5314a7e30.pdf