InterRisk Towarzystwo Ubezpieczeń Spółka Akcyjna Vienna Insurance Group

Driver age and experience limit

No mandatory minimum driver age in the autocasco base product. However, an optional age-related deductible applies by default for drivers under 25 years of age: 20% of the compensation amount, no less than PLN 2,000, applies when the vehicle is driven by a person under 25 years of age (Ubezpieczony or authorised user). This deductible can be waived for an additional premium (§17 ust. 1 pkt 2 OWU PA7). The age-related deductible does not apply to variant Mini.

Repair network requirements

Repairs must be performed in the manner agreed with InterRisk. Variant Autoryzowany: repairs in Authorised Service Stations (ASO) with OEM parts; 2-year repair warranty when using the Partner Network. Variant Partnerski: repair in the Partner Network (Sieć Partnerska) or outside; OEM parts at economic criterion with depreciation outside the network. Variant Kosztorysowy and Mini: cash settlement without factual invoices required; Kosztorysowy – full all-risk but cash payout. When using the Partner Network (Sieć Partnerska), the Sieć Partnerska option is automatically included (no extra premium for passenger cars/estate vans): door-to-door vehicle collection/delivery, courtesy car, post-repair interior cleaning, and 2-year repair warranty (§16 ust. 4, §17 ust. 4 OWU PA7).

Territorial scope

Coverage applies to insured events occurring in Poland and all European countries (geographic sense). Theft damage is excluded by default in Belarus, Moldova, Russia and Ukraine (§7 ust. 2 OWU PA7). Extension of theft coverage to Moldova and Ukraine is available for an additional premium (§17 ust. 1 pkt 4). Abroad repairs up to EUR 1,000 may be made without prior insurer consent; costs above EUR 1,000 require prior agreement. Repair costs incurred in foreign currency are reimbursed in PLN at the NBP average exchange rate on the date of repair.

Anti-theft requirements

Anti-theft device requirements depend on vehicle value (§9 OWU PA7): (1) Vehicles up to PLN 150,000 (passenger cars/estate vans, other trucks, tractors, motorcycles, quads): at least one anti-theft device. (2) Vehicles PLN 150,001–300,000 (passenger cars/estate vans): at least two independently operating, functionally different anti-theft devices. (3) Vehicles above PLN 300,000 (passenger cars/estate vans): at least three independently operating, functionally different anti-theft devices, including a GPS tracking system with an active service agreement. Failure to secure keys, remotes, or vehicle documents outside the vehicle will result in denial of theft claims (§19 ust. 1 pkt 8), unless the theft involved force or violence.

Claim notification deadline

For damage on Polish territory: notification no later than 7 days from the date of the damage or from the date of obtaining information about it (§85 ust. 1 pkt 1 lit. c OWU PA7). For damage abroad: no later than 7 days from the date of return to Poland; if InterRisk assistance was needed abroad, no later than 7 days from the date of obtaining information about the damage. For theft: the police must be notified immediately; InterRisk must be notified no later than 3 days after obtaining information about the theft (§85 ust. 1 pkt 2 OWU PA7). Failure to notify on time due to wilful misconduct or gross negligence may result in a reduced claim payment if the delay contributed to the increase of damage or prevented InterRisk from determining circumstances. The insurer begins claims handling within 7 days of receiving notification and is obligated to pay within 30 days of receiving the claim notification.

Deductible rules

Optional deductible (udział własny): (1) Voluntary deductible per claim of any fixed amount agreed in the policy – reduces premium (§17 ust. 3 OWU PA7). (2) Age-related deductible (20% of compensation, minimum PLN 2,000) applies by default when the driver is under 25 years of age – can be waived for an additional premium (§17 ust. 1 pkt 2). This deductible does not apply in variant Mini. (3) Minimum claim threshold: claims below PLN 500 are not covered, except for damage occurring during the transport of persons requiring urgent medical assistance (§16 ust. 4 OWU PA7). No deductible applies when repairs are performed in the Partner Network (Sieć Partnerska) unless a voluntary deductible was agreed in the policy.

Theft exclusion for specific territories

Comprehensive Motor Insurance excludes coverage for theft of vehicle or parts on territories of Albania, Moldova, Ukraine, and Belarus (depending on policy variant)

Child seat sum insured

In Autocasco Midi and Maxi variants, child seats are covered separately with a sum of 1,000 PLN; separate coverage from main vehicle sum

Mini variant limited coverage scope

Autocasco variant Mini covers only: (1) damage caused by natural perils (żywioły), (2) damage to the vehicle's electrical system and upholstery caused by animals, and (3) full vehicle theft. It does NOT cover collision or road accident damage (wypadek drogowy), vandalism, theft of parts only, or luggage. It is available for vehicles of any age (up to 20 years for new policies; over 20 years only as continuation). This is the economy tier.

Authorized workshop repair option

Comprehensive Motor Insurance offers choice between repair at Authorized Service Partner (ASO) or Partner Workshop Network with corresponding variant selection

Optional deductible choices

Comprehensive Motor Insurance premium can be reduced by applying deductible (udział własny) of 500 PLN or 1,000 PLN per claim

Vehicle age limitation

Standard coverage applies to vehicles with exploitation period not exceeding 10 years; older vehicles may be covered conditionally up to 20 years