mtu24.pl Casco (own-damage car insurance) (Autocasco)

Partial loss (szkoda częściowa) is covered under AC Uszkodzenie i Kradzież (all three settlement variants: Kosztorys, Sieć Partnerska, ASO) and AC Żywioły. It is NOT covered under AC Mini (total loss only) or AC Kradzież. The insured sum equals the market value of the vehicle at the date of policy inception, as determined by the Eurotax system, and decreases during the policy period as the vehicle depreciates. Minimum claim threshold is 500 PLN gross; claims below this amount are excluded. Settlement is by either the cost-estimate method (65 PLN/labour-hour, alternative-part prices) or the service method (authorised-workshop or partner-network rates).

Total loss (szkoda całkowita) is covered under all four AC variants (AC Mini, AC Uszkodzenie i Kradzież, AC Kradzież, AC Żywioły). Total loss is declared when repair costs exceed 70% of the vehicle's market value on the date of loss. For AC Mini and AC Kradzież (cost-estimate only), repair costs are calculated using alternative-part prices and a labour rate of 65 PLN/hour (gross). For AC Uszkodzenie i Kradzież and AC Żywioły in the Sieć Partnerska variant, the 70% threshold is applied against the market value or the agreed fixed insured sum; labour rate capped at 110 PLN/hour. For the ASO variant, original-part prices and ASO workshop rates apply. Compensation equals the market value on the date of loss (established via the same Eurotax valuation source used at inception), less residual value of salvage.

Partial loss from collision, contact with persons, animals or objects from outside the vehicle, vandalism, sporting-equipment collision, fire, explosion, flooding and sudden forces of nature, or sudden external thermal/chemical action is covered under AC Uszkodzenie i Kradzież (Kosztorys, Sieć Partnerska, ASO) and under AC Żywioły (limited to fire, explosion, flooding, natural forces, and external thermal/chemical action). AC Mini and AC Kradzież do not cover partial loss. Minimum damage threshold: 500 PLN gross.

Theft of the entire vehicle or its parts, including destruction or damage to the vehicle directly linked to theft (e.g. forced entry), is covered under AC Mini (total loss from theft only), AC Uszkodzenie i Kradzież (partial and total loss), and AC Kradzież (partial and total loss). Theft is excluded if the vehicle was not secured as its construction provides or keys/documents were not secured outside the vehicle, unless this did not contribute to the loss or the vehicle was lost through robbery. Compensation for stolen vehicle is paid after deregistration and transfer of title to ERGO Hestia. Settlement is under the cost-estimate (Kosztorys) method for AC Mini and AC Kradzież.

Covers repair or replacement of the front, rear or side windows of the insured vehicle in an approved service point indicated by ERGO Hestia (Ubezpieczenie Szyb). Insured sum: 5,000 PLN. Own share (deductible) for windscreen replacement: 150 PLN. Replacement is performed using alternative parts; original parts are used only if alternative parts are unavailable. Covered perils: collision, contact with persons/animals/objects from outside, vandalism, sporting-equipment collision, fire/explosion/flooding/forces of nature, external thermal/chemical action. Territorial scope: Europe. Excluded: panoramic roofs, sunroofs, previously unrepaired damage, and damage from misappropriation. This is an optional add-on to the main AC policy.

Natural perils are covered under multiple variants. AC Uszkodzenie i Kradzież covers fire, explosion, flooding and sudden action of forces of nature (including hurricane, hail, lightning, avalanche, flood, earthquake, ground subsidence not related to human activity) for both partial and total loss within Europe plus Algeria, Morocco, Tunisia, Israel, Iran. AC Żywioły covers the same natural perils (fire, explosion, flooding, hurricane, hail, lightning, avalanche, flood, earthquake, and ground subsidence not related to human activity) plus external thermal/chemical action, for both partial and total loss, with the same extended territorial scope. AC Mini covers natural perils only when they result in total loss, within Poland only. The insured sum equals the vehicle market value (Eurotax). Minimum claim: 500 PLN gross.

Vandalism (intentional destruction or damage of the insured vehicle by third parties) is covered as a cause of loss under AC Mini (total loss only) and AC Uszkodzenie i Kradzież (partial and total loss), within the respective territorial scope of each variant. Vandalism is NOT listed as a covered peril under AC Kradzież or AC Żywioły. The insured sum equals the vehicle market value. Minimum claim: 500 PLN gross.

Optional add-on covering the costs of immediate assistance arranged via the Alarm Centre. Three variants: (1) Assistance po Wypadku – Poland only, insured sum 1,000 PLN, covers towing after accident (up to 100 km), no breakdown assistance, no replacement vehicle; (2) Assistance po Wypadku i Awarii w Polsce – Poland only, insured sum 10,000 PLN, covers towing after accident (150 km) or breakdown (150 km, max 2x per policy), on-site repair, fuel delivery; (3) Assistance po Wypadku i Awarii za Granicą – Poland and Europe, insured sum 15,000 PLN, all services including replacement vehicle (5 days), hotel (2 nights), driver substitute, vehicle pick-up and delivery. Services include towing, on-site repair, fuel delivery, transport of driver and passengers (up to 100 km), and 24/7 information helpline.

A replacement vehicle is provided only under the Assistance po Wypadku i Awarii za Granicą variant (insured sum 15,000 PLN), for up to 5 days after an accident or theft of the insured vehicle. The replacement vehicle category corresponds to the insured vehicle's segment (segment B car for insured vehicles in segments A/B/C; segment C for segment D; segment D for above segment D). Costs of fuel, insurance, additional charges, and any excess on the replacement vehicle are not covered. Not available under Assistance po Wypadku or Assistance po Wypadku i Awarii w Polsce variants.