InterRisk Casco (own-damage car insurance) (Pakiet Auto Plus Autocasco)

In variants Autoryzowany, Partnerski and Kosztorysowy: all-risk formula covering damage, destruction or loss of the insured vehicle and its permanently installed parts and equipment resulting from any insured event (wypadek ubezpieczeniowy), including road accidents, fire, explosion, weather events, vandalism, animal collision, and theft of the whole vehicle. Sum insured corresponds to the market (gross) value of the vehicle at policy inception and is not reduced after each claim payment unless the optional 'Bez konsumpcji sumy' add-on is not purchased. In variant Mini: coverage is limited to damage caused by natural perils (żywioły), damage to electrical installation and upholstery by animals, and full vehicle theft (no collision/accident coverage). Total-loss threshold is 70% of vehicle market value on the day of the loss.

Total loss (szkoda całkowita) is declared when repair is technically impossible or when the repair cost (calculated per §25 of OWU PA7) exceeds 70% of the vehicle's market value on the day of the loss event. In case of total loss, compensation equals the market value of the vehicle at the date of the loss minus the residual (salvage) value. Residual value is assessed via Info-Ekspert or Eurotax databases and may also be determined via an online platform bid. This applies across all variants (Autoryzowany, Partnerski, Kosztorysowy, Mini) for full-vehicle loss.

Partial loss (szkoda częściowa) is a vehicle damage where repair is feasible and repair cost does not exceed 70% of market value. Repair cost calculation depends on the variant: Autoryzowany – OEM ASO parts with depreciation applied per age table; Partnerski / Kosztorysowy / Mini – comparable, original or OEM parts by economic criterion with depreciation table applied to OEM ASO prices (30% up to 3 yrs, 45% >3–5 yrs, 55% >5–7 yrs, 65% >7 yrs). If invoices are submitted, insurer uses actual repair invoices and verifies against Audatex/Eurotax/DAT; if not, a flat rate of PLN 92 gross per labour hour applies. Additional costs (storage, towing, key re-coding) reimbursed up to 10% of sum insured.

Theft (kradzież) of the whole vehicle is covered in all four variants (Autoryzowany, Partnerski, Kosztorysowy, Mini). Theft of parts or accessories (without full vehicle theft) is covered in Autoryzowany, Partnerski and Kosztorysowy, but NOT in Mini. Theft coverage does not apply by default in Belarus, Moldova, Russia and Ukraine; extension for Moldova and Ukraine is available for an additional premium (§17 ust. 1 pkt 4 and §7 ust. 2 OWU PA7). Compensation in case of theft equals the vehicle market value at the date of theft. Key-securing conditions must be met; claims may be denied if keys, remotes or vehicle documents were left in the vehicle or not secured outside the vehicle (§19 ust. 1 pkt 8). Exception: theft using force (robbery) always covered.

Windscreen and vehicle glass damage (front, side, rear) caused by an insured event is covered under autocasco in all full-scope variants (Autoryzowany, Partnerski, Kosztorysowy) as part of the general own-damage scope. Glass damage is NOT separately covered in variant Mini. Additionally, AutoSzyby (glass insurance module) is available separately at extra premium as a standalone glass-only policy with a sum insured of PLN 3,000, covering only events occurring in Poland; 50% deductible applies from the second windscreen replacement claim onwards within the same policy year. AutoSzyby can be purchased with OC or AC regardless of vehicle age.

Natural perils (żywioły) as defined in OWU PA7 §4 pkt 70: rain, hail, wind, avalanche, landslide, flood, fire, earthquake, tornado, lightning strike, ground subsidence. Covered across all four variants including Mini. In Mini, natural perils and animal-related damage (collision with an animal, damage to interior by an animal) represent the core coverage together with full vehicle theft. In Autoryzowany, Partnerski and Kosztorysowy, natural perils are included as part of the comprehensive all-risk formula.

Vandalism (acts of vandalism or break-in) by third parties is covered in variants Autoryzowany, Partnerski, and Kosztorysowy as part of the all-risk insured event (wypadek ubezpieczeniowy) scope. Vandalism is NOT covered in variant Mini (which covers only natural perils, animal damage and full vehicle theft). The insured event definition in PA7 OWU autocasco encompasses any event independent of the policyholder's will causing covered damage; damage caused intentionally by the insured or cohabitants is excluded (§19 ust. 2).

Roadside assistance is not part of the autocasco coverage itself but is available as a separate AutoAssistance module within Pakiet Auto+. Three tiers: Start (PLN 5,000 limit per event, Poland only, towing up to 50 km), Standard (PLN 25,000, Poland + optional Europe extension, towing up to 100 km, replacement vehicle up to 7 days), Premium (PLN 50,000, Poland + Europe, unlimited towing in Poland / 200 km abroad, replacement vehicle up to 14 days). AutoAssistance is a separate contract: the Standard variant requires that the same vehicle also have an OC or AC policy with InterRisk, and the Premium variant requires an AC policy (§9 ust. 4 OWU PA7). The Sieć Partnerska option (included at no extra cost when repair at a Partner Network workshop) provides a courtesy car for the duration of repair.

A replacement vehicle is provided under two separate mechanisms within Pakiet Auto+: (1) Sieć Partnerska option (automatically included at no extra cost when repair is performed at an InterRisk Partner Network workshop, covering passenger cars and vans in body style – excluding fleet-managed vehicles): provides a courtesy car for the full duration of repair (segment B or lower). The insurer also covers door-to-door vehicle collection and delivery, and post-repair 2-year warranty. (2) AutoAssistance Standard/Premium (separate optional module): replacement vehicle up to 3 days (awaria), 7 days (accident) or 7 days (theft) in Standard; up to 7/14/14 days respectively in Premium. In either case, car class up to C (Standard) or D (Premium). If the vehicle is not repaired via the Partner Network, replacement car availability depends on the AutoAssistance variant purchased.