Sopockie Towarzystwo Ubezpieczen ERGO Hestia SA (mtu24.pl brand)

Driver age and experience limit

No minimum driver age is mandated in the OWU 01/25 for the AC product itself. The premium for Auto Casco is calculated taking into account the insured's age and the length of time they have held a driving licence of the relevant category (§40 ust. 4). No coverage exclusion based on driver age is stated in the current T&Cs.

Repair network requirements

Three settlement variants are available: (1) Kosztorys – cost-estimate method using alternative-part prices and a standard labour rate of 65 PLN/hour (gross) for bodywork, mechanical and paint work; repair may be carried out at any workshop. (2) Sieć Partnerska – service method using alternative parts (original parts if alternatives unavailable) and labour rates up to 110 PLN/hour; repair may be carried out at a Partner Network workshop or any other chosen workshop (settlement then applies Partner Network parameters). (3) ASO – service method using original manufacturer parts at ASO rates; repair may be carried out at an Authorised Service Centre or any other chosen workshop (settlement then applies either ASO or Partner Network parameters). For losses abroad, the insured must not repair without prior ERGO Hestia consent, except for repairs necessary to continue safe driving costing up to 1,500 EUR (gross). Reimbursement is in PLN at the NBP Table A exchange rate on the date costs were incurred.

Territorial scope

AC Mini: Poland only. AC Kradzież: Poland only. AC Uszkodzenie i Kradzież: Europe, Algeria, Morocco, Tunisia, Israel and Iran (with a mandatory own share of 1,000 PLN for damage arising in Belarus, Moldova, Russia and Ukraine, except for losses from vehicle-to-vehicle collision or contact with persons/animals/objects from outside). AC Żywioły: Europe, Algeria, Morocco, Tunisia, Israel and Iran (with the same Belarus/Moldova/Russia/Ukraine own-share condition). NNW: worldwide. Ubezpieczenie Szyb: Europe. Assistance po Wypadku and Assistance po Wypadku i Awarii w Polsce: Poland. Assistance po Wypadku i Awarii za Granicą: Poland and Europe. Ubezpieczenie Opon: Poland.

Anti-theft requirements

For theft cover under AC Uszkodzenie i Kradzież and AC Kradzież, the vehicle must be secured with: one functional anti-theft device (mechanical or electronic immobiliser, factory-fitted or homologated and installed by an authorised service centre) for vehicles with a market value up to 100,000 PLN; two independent anti-theft devices for vehicles with a market value exceeding 100,000 PLN. The devices must be operational at the time of loss. If the vehicle was not properly secured, the keys/documents were not kept away from the vehicle, or the devices were not activated, the theft claim will be excluded unless the failure was not causally linked to the loss or the vehicle was taken by robbery. Mechanical/electromechanical steering-wheel locks, automatic-gearbox lever locks, door locks and the ignition are not treated as anti-theft devices.

Claim notification deadline

The insured must notify ERGO Hestia of a loss immediately (niezwłocznie) after it occurs or upon learning of it (§26 ust. 1 OWU 01/25). Notification may be made by calling 58 555 50 50, via the individual account at polisaonline.ergohestia.pl, via the form at www.ergohestia.pl, orally or in writing with an ERGO Hestia representative, by post to the registered office, or electronically to the dedicated address. ERGO Hestia pays compensation within 30 days of receiving the notification; if circumstances cannot be clarified within 30 days, payment is due within 14 days of the date on which clarification was possible, with the undisputed portion payable within 30 days in any case. The insured must not alter the vehicle or begin repair without ERGO Hestia's consent, except that repair may begin if an inspection has not been carried out within 7 days of claim notification for reasons attributable to ERGO Hestia.

Deductible rules

The policyholder may select an own share (udział własny) of 0%, 5%, 10%, 15% or 20% for non-theft damage. For theft-related damage, a 10% own share applies by default but may be waived for an additional premium. For losses in Belarus, Moldova, Russia and Ukraine, a mandatory additional own share of 1,000 PLN applies (does not apply to vehicle-to-vehicle collision losses or losses from contact with persons/animals/objects from outside). For Ubezpieczenie Szyb, a deductible of 150 PLN applies specifically for windscreen replacement. The minimum claim threshold for AC is 500 PLN gross; losses below this amount are not compensated regardless of the chosen own-share level.

Territorial Coverage

AC Damage and Theft variant covers losses in Poland and abroad (Europe, Algeria, Morocco, Tunisia, Israel, Iran)

Multiple AC Product Variants

MTU24 offers four AC variants: AC Mini (total loss only in Poland), AC Damage and Theft, AC Theft only, and AC Natural Perils

Minimum Damage Threshold

Full AC has a minimum damage amount of 500 PLN gross; claims below this threshold are not eligible for compensation

Total Loss Definition

For AC Damage and Theft variants, total loss is typically declared when repair costs exceed 70% of vehicle market value on the damage date

Policy Duration

AC insurance policy term is 12 months for vehicles under 15 years old

Vehicle Eligibility Requirements

AC coverage available for passenger vehicles or passenger-freight vehicles with payload up to 850 kg; vehicles not subject to leasing; minimum vehicle market value typically 8000 PLN

Claim Reporting Requirement

Policyholder must notify the Insurer of a loss immediately after it occurs or upon learning of it; claim processing timeline is typically 30 days from notification

Anti-theft Security Device Requirement

In AC insurance, policyholder must ensure proper security protection against theft using required minimum anti-theft devices for the vehicle type