Extracted from source documents

LINK4 Casco (own-damage car insurance) (Auto Casco)

Underwritten by LINK4 Towarzystwo Ubezpieczeń S.A. · Poland

casco (own-damage car insurance) from LINK4 for the Poland market, with online purchase and 24/7 assistance.

Verified Aug 18, 2026 · Terms dated 2023-12-19Sources

Online purchase24/7 helpline

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)

Not established from the insurer's documents

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).

Third-party source, not the insurer's documentClause Art. 8Page 43

Section: OWU Auto Casco > PRZEDMIOT UBEZPIECZENIA / ZAKRES UBEZPIECZENIA

Wypłacamy odszkodowanie za Szkodę, która powstanie na skutek wszelkich nagłych i nieprzewidzianych zdarzeń.

Total loss

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 92Page 51

Section: OWU Auto Casco > ZASADY USTALENIA ODSZKODOWANIA PRZY SZKODZIE CAŁKOWITEJ LUB KRADZIEŻY POJAZDU

W opcji Zmienna wartość Pojazdu odszkodowanie ustalamy na podstawie wartości Pojazdu w dniu wystąpienia Szkody – w stanie sprzed Szkody – wyliczamy ją na podstawie Systemu do wyceny.

Partial loss

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 83Page 49

Section: OWU Auto Casco > ZASADY USTALENIA ODSZKODOWANIA PRZY SZKODZIE CZĘŚCIOWEJ W POJEŹDZIE

Gdy wystąpi Szkoda częściowa, odszkodowanie ustalamy w oparciu o koszty naprawy Pojazdu – uwzględniamy przy tym wybrane przez Ciebie: wariant i opcję ubezpieczenia.

Theft and robbery

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 10Page 43

Section: OWU Auto Casco > TERYTORIALNY ZAKRES UBEZPIECZENIA

Ubezpieczenie obejmuje Szkody, które powstaną w Europie, za wyjątkiem Kradzieży, do której dojdzie na terenie Rosji, Białorusi, Ukrainy i Mołdawii.

Glass damage

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 20Page 44

Section: OWU Auto Casco > WYŁĄCZENIA ODPOWIEDZIALNOŚCI

Nie wypłacamy odszkodowania za uszkodzenie lub zniszczenie ogumienia. Wyjątkiem jest sytuacja, w której Szkoda powstanie w wyniku zdarzenia objętego naszym ubezpieczeniem i uszkodzeniu lub zniszczeniu ulegną również inne części Pojazdu.

Natural perils

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 8Page 43

Section: OWU Auto Casco > ZAKRES UBEZPIECZENIA

Wypłacamy odszkodowanie za Szkodę, która powstanie na skutek wszelkich nagłych i nieprzewidzianych zdarzeń.

Vandalism and third-party damage

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 11Page 43

Section: OWU Auto Casco > WYŁĄCZENIA ODPOWIEDZIALNOŚCI

Nie wypłacamy odszkodowania za Szkody, które: 1) wyrządzisz umyślnie – Ty lub osoba, z którą pozostajesz we wspólnym gospodarstwie domowym

Roadside assistance

Not established from the insurer's documents

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).

Third-party source, not the insurer's document

Replacement vehicle (repair duration)

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause Art. 106Page 52

Section: OWU Auto Casco > AUTO ZASTĘPCZE NA CZAS NAPRAWY

Samochód zastępczy przysługuje Ci na czas naprawy Pojazdu, ale nie dłużej jednak niż przez 7 dni kalendarzowych.

Driver personal accident

Not established from the insurer's documents

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.

Third-party source, not the insurer's document

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).

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.

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.

Territorial scope

Coverage applies throughout Europe. Theft claims are excluded in Russia, Belarus, Ukraine and Moldova.

Documents

General Terms and Conditions – LINK4 Collective Motor Insurance (OWU zbiorcze) incl. Auto Casco (opens in a new tab)

Terms & conditions · PDF

IPID – Key Information Document Auto Casco LINK4 (opens in a new tab)

Product information sheet · PDF

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

Source

Section: Dzięki ubezpieczeniu AC w LINK4 otrzymujesz

Ubezpieczenie bagażu podręcznego i fotelików dziecięcych Twój bagaż podręczny i foteliki dziecięce są chronione na wypadek zniszczenia bądź kradzieży.

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

Source

Section: Najważniejsze informacje: najlepsze ubezpieczenie AC

Autocasco w LINK4 jest zawierane w formule All risk, czyli obejmuje szkody powstałe wskutek nagłych i nieprzewidzianych zdarzeń, o ile nie zostały wyłączone w OWU.

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

Source

Section: Najczęściej zadawane pytania. > Co obejmuje AC?

Wśród najczęstszych szkód, które zrekompensuje Ci ubezpieczenie AC, znajdują się: wypadki i kolizje z innymi pojazdami, ludźmi, zwierzętami czy przedmiotami, uszkodzenia pojazdu przez osoby trzecie lub zwierzęta, kradzież lub usiłowanie kradzieży pojazdu czy skutki zjawisk pogodowych

Theft and total loss coverage

AC covers vehicle theft and total loss scenarios where the vehicle is destroyed or damaged beyond economical repair

Source

Section: Najczęściej zadawane pytania. > Co to jest ubezpieczenie Autocasco?

Ubezpieczenie AC (Autocasco) jest nieobowiązkowym ubezpieczeniem komunikacyjnym, które chroni Twój samochód i pozwoli uzyskać odszkodowanie w razie wypadku lub kolizji spowodowanych przez Ciebie, a także wtedy, gdy Twoje auto zostanie skradzione lub zniszczone.

Natural disaster and force majeure coverage

Covers damage from acts of nature including hail, flooding, lightning strike, landslide, avalanche, fire, explosion and similar events

Source

Section: Najczęściej zadawane pytania. > Co obejmuje AC?

skutki zjawisk pogodowych (np. grad, zalanie auta, uderzenie pioruna, lawina, osunięcie się ziemi)

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

Source

Section: Co to jest ubezpieczenie autocasco?

możesz wybrać opcję braku potrącenia z wartości części ze względu na wiek pojazdu (wykupić amortyzację), dzięki czemu odszkodowania nie zmniejsza się o zużycie części podlegających wymianie

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

Source

Section: Najlepsze autocasco – jakie warianty likwidacji szkody?

Przy zawieraniu umowy w LINK4 wybierasz jeden z trzech wariantów autocasco: ASO, Warsztat albo Kosztorys. Wybrany wariant wpływa na sposób naprawy samochodu i ustalenia wysokości odszkodowania.

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

Source

Section: Najczęściej zadawane pytania. > Czy można dokupić AC?

Ubezpieczenie AC (Autocasco) można wykupić tylko w pakiecie z OC. Ubezpieczenie AC możesz dokupić maksymalnie w terminie 6 miesięcy od daty zawarcia umowy OC.

Claims notification deadline

Regular damage claims must be reported within 7 days of occurrence; theft claims must be reported within 2 days

Source

Section: Najczęściej zadawane pytania. > Ile czasu na zgłoszenie szkody AC?

W przypadku LINK4 jest to 7 dni od momentu wystąpienia szkody. W przypadku kradzieży Twojego auta masz 2 dni na poinformowanie o tym fakcie LINK4.

Optional deductible (own contribution)

Policyholder can choose to include or exclude deductible (own contribution) in the policy, which affects compensation calculation and premium level

Source

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

Source

Young driver deductible surcharge

Link4 may apply additional deductible to claims involving young drivers as specified in policy terms

Source

Territorial coverage scope

AC coverage applies in Poland and Europe, with specific exclusion for theft claims occurring in Ukraine, Moldova, Russia, and Belarus

Source

Section: Dlaczego wybrać ubezpieczenie Autocasco w LINK4?

W LINK4 Twoje autocasco obejmować będzie szkody, które powstaną na terenie całej Europy, za wyjątkiem szkód kradzieżowych, do których dojdzie na terenie Białorusi, Rosji, Mołdawii i Ukrainy.

Sources

LINK4 Casco (own-damage car insurance)

Get a quote from LINK4(opens in a new tab)Compare Casco (own-damage car insurance) insurers in Poland
Get a quote from LINK4(opens in a new tab)