LINK4 Towarzystwo Ubezpieczeń Spółka Akcyjna
LINK4
LINK4 is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
In the Kosztorys variant, indemnity is paid directly to the policyholder (cash settlement), who decides independently when and where to repair the vehicle. In the Warsztat and ASO variants, compensation is settled based on invoices from the repair workshop; insurer may also settle directly with the workshop.
Geographic scope
Poland
Coverage applies throughout Europe. Theft claims are excluded in Russia, Belarus, Ukraine and Moldova.
Unique selling points
- All Risk formula covers all sudden and unforeseen events – not just named perils – giving broader protection than typical limited-scope casco products.
- Fixed vehicle value (Stała wartość) option locks in the vehicle's inception-day value for the full policy term, protecting against depreciation on total loss or theft.
- Three settlement variants (ASO, Warsztat, Kosztorys) allow policyholders to choose between authorised-centre repair, independent workshop repair or direct cash payout – accommodating every preference.
- Basic coverage automatically includes hand baggage (up to 1000 PLN) and child car seats (up to 1000 PLN) at no extra cost, without the need to list items separately.
- No deductible applies to vehicle theft claims, meaning the policyholder receives full compensation (up to the sum insured) with no out-of-pocket contribution.
Coverage limits
Own damage (accidents and collisions)
Covered
AC is written in All Risk formula and covers damage to the vehicle, hand luggage and child car seats caused by any sudden and unforeseen event. This includes collisions with other vehicles, persons, animals or external objects regardless of fault. The insured sum equals the vehicle value established at contract inception. Total loss threshold is 70% of pre-loss vehicle value. Three settlement variants apply: ASO (authorised service centre), Warsztat (non-ASO workshop) and Kosztorys (estimate-based cash payout).
Total loss
Covered
A total loss (Szkoda całkowita) occurs when repair costs exceed 70% of the pre-loss vehicle value. Compensation is based on vehicle value at the date of loss (variable value option) or at policy inception (fixed value option), minus salvage value. No deductible applies to theft total loss; a deductible (specified in the policy) applies to accident total loss.
Partial loss
Covered
A partial loss (Szkoda częściowa) occurs when repair costs do not exceed 70% of the pre-loss vehicle value. Compensation is based on repair costs per the selected variant: ASO variant uses ASO labour rates and original OEM parts (O); Warsztat variant uses non-ASO workshop rates and original Q parts; Kosztorys variant uses a fixed 60 PLN/h net rate and alternative (P) parts or 35% discount off OEM serwisowe. Depreciation (amortisation) of 15–55% may apply based on vehicle age unless the amortisation buyout option is selected. Partial loss payout does not reduce the sum insured.
Theft and robbery
Covered
Theft of the vehicle (kradzież, kradzież z włamaniem, rozbój as defined under the Polish Criminal Code art. 278, 279, 280) is covered under the base All Risk scope. Territorial exclusion applies: theft claims occurring in Russia, Belarus, Ukraine or Moldova are excluded. No deductible applies for vehicle theft. Prior to paying out, the insured must surrender all keys and alarm activators, deregister the vehicle and transfer ownership to LINK4. Theft must be notified to police immediately and to LINK4 within 2 days of discovery.
Glass damage
Covered
Glass damage is included within the All Risk base scope of Auto Casco, as any damage to the vehicle (including windows/windscreen) caused by a sudden and unforeseen event is covered. Tyre damage is excluded unless other vehicle parts are also damaged in the same insured event. A separate Szyby 24 glass-only policy is also available as an add-on.
Natural perils
Covered
Covered under the All Risk formula. Natural perils include hail, hurricane, lightning strike, flood, landslide, avalanche, and other sudden acts of nature causing vehicle damage. Earthquake damage is explicitly excluded. Fire and explosion are covered.
Vandalism and third-party damage
Covered
Damage caused by third parties (vandalism, deliberate or accidental damage by persons unknown) is covered under the All Risk formula since AC covers all sudden and unforeseen events unless expressly excluded. Wilful damage by the policyholder or household members is excluded.
Roadside assistance
Excluded
Roadside assistance is not part of the Auto Casco product itself. It is provided under a separate product: Program Pomocy z Samochodem Zastępczym i Assistance Opony (included with the OC package) or Auto Assistance (a separately purchasable add-on in three tiers: Standard, Plus, Komfort).
Replacement vehicle (repair duration)
Optional
Available as a paid add-on ('Auto zastępcze na czas naprawy') under the ASO and Warsztat variants only. The insurer organises and covers rental costs for a replacement vehicle for the duration of repairs, up to 7 calendar days, limited to 2 claim events per policy period. Vehicle class matches insured vehicle up to class D. Costs of fuel, additional fees and non-OC/AC insurance are excluded. Replacement vehicle is organised within Poland only.
Driver personal accident
Excluded
Personal accident coverage for the driver is not part of the Auto Casco product. It is available under a separate NNW (Następstwa Nieszczęśliwych Wypadków) product offered by LINK4.
Key conditions
Driver age and experience limit
No minimum age or experience requirement is stated for the main driver. However, if the vehicle is operated by an undeclared 'young driver' (Młody kierowca – a person under 24 years of age) at the time of loss, an additional deductible (additional Udział własny dla Młodego kierowcy, amount specified in the policy) is deducted from the claim payout. This additional deductible is summed with any standard deductible. Declaring young driver usage at policy inception avoids this penalty.
Repair network requirements
In the Warsztat variant, repairs must be carried out in any non-ASO workshop; if damaged abroad, the vehicle should be repaired in Poland. In the ASO variant, repairs may be carried out in any authorised service centre (ASO); if repaired abroad, the same rule applies. In the Kosztorys variant, no repair is required; the insured receives a cash payout and decides independently on repair. If invoices are not submitted in Warsztat/ASO variants, a reduced default rate applies (80 PLN/h net for Warsztat, 120 PLN/h for ASO, with discounted part prices).
Territorial scope
Coverage applies throughout Europe for accidental damage. For theft claims, coverage applies throughout Europe with the exception of Russia, Belarus, Ukraine and Moldova. The same territorial scope applies to all three settlement variants.
Anti-theft requirements
No specific anti-theft device requirement is mandated by the OWU as a condition of coverage. However, leaving the keys unattended in an accessible location (e.g. on a restaurant table) may constitute gross negligence (rażące niedbalstwo), which is an exclusion. Upon theft, the insured must hand over all keys and alarm activators to the insurer before compensation is paid, and must deregister the vehicle and transfer title to LINK4.
Claim notification deadline
Standard damage (accidental) must be reported to LINK4 as soon as possible, but no later than 7 days from the day the insured learns of the damage (applies equally to domestic and foreign losses). For theft, notification to LINK4 must occur within 2 days of discovering the theft. Police must be notified immediately for theft; police must also be notified within 12 hours of discovery when theft of the vehicle or its parts occurs. Failure to notify within deadlines (when wilful or grossly negligent) may result in a reduction of the claim payout.
Deductible rules
A deductible (Udział własny) is optional and its amount is specified in the policy. It applies to both partial and total loss claims. No deductible is applied to theft of the vehicle or its parts. If a young driver (under 24) not declared in the application is involved in an accident, an additional deductible applies and is summed with the standard deductible. The deductible amount is agreed at policy inception and remains fixed.
Policy specifics
Baggage and child car seats coverage
AC coverage includes not only the vehicle but also hand baggage and child car seats located in the vehicle at the time of the insured event
All Risk formula coverage
Autocasco in Link4 is written in All Risk formula, covering damage from all sudden and unforeseen events unless explicitly excluded in the General Terms and Conditions
Vehicle damage from accidents and collisions
Coverage includes damage from accidents, collisions with other vehicles, people, animals and objects caused by policyholder or third parties
Theft and total loss coverage
AC covers vehicle theft and total loss scenarios where the vehicle is destroyed or damaged beyond economical repair
Natural disaster and force majeure coverage
Covers damage from acts of nature including hail, flooding, lightning strike, landslide, avalanche, fire, explosion and similar events
Amortization/depreciation of parts
Damage compensation may be reduced by wear and tear depreciation (15-55% depending on vehicle age), which can be eliminated by paying an additional premium
Three claim settlement variants
Link4 offers three variants for damage settlement and repair: ASO (Authorized Service Centers), Warsztat (workshop), and Kosztorys (estimate-based), affecting compensation calculation method and repair approval process
Mandatory OC bundling requirement
AC can only be purchased as a package with mandatory OC insurance, or can be added within 6 months of OC policy inception
Claims notification deadline
Regular damage claims must be reported within 7 days of occurrence; theft claims must be reported within 2 days
Optional deductible (own contribution)
Policyholder can choose to include or exclude deductible (own contribution) in the policy, which affects compensation calculation and premium level
Vehicle value calculation method
For total loss or theft, Link4 applies either fixed value (for new factory vehicles) or variable value (for used vehicles) as specified at policy inception
Young driver deductible surcharge
Link4 may apply additional deductible to claims involving young drivers as specified in policy terms
Territorial coverage scope
AC coverage applies in Poland and Europe, with specific exclusion for theft claims occurring in Ukraine, Moldova, Russia, and Belarus