Partner Insurance and Reinsurance Company S.A.
Partner TUiR
Partner TUiR is a motor casco insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
The service-network settlement variant (wariant serwisowy) allows cashless repair at partner workshops. The cost-estimate variant (wariant kosztorysowy) provides a payout based on a valuation, with the policyholder free to choose any repair shop. Exact cashless/direct-payment arrangements are detailed in the OWU.
Geographic scope
Poland
Poland; exact territorial scope (e.g. European extension) not stated on the product page — refer to the OWU for full details.
Unique selling points
- Two distinct coverage scopes (basic and full) allow customers to tailor protection precisely to their needs and budget.
- Choice of settlement variant — cashless repair at partner workshops (serwisowy) or flexible cost-estimate payout (kosztorysowy) — gives policyholders control over how claims are resolved.
- Individual premium calculation tailored to each vehicle and driver profile ensures competitive pricing.
- Customers holding Partner TUiR MTPL (OC) receive a discount on the AC policy when purchased together.
- Coverage extends to both the vehicle's standard and additional equipment, protecting the full insured asset under a single policy.
Coverage limits
Own vehicle damage (partial loss / collision)
Covered
Covers repair costs for damage to the insured vehicle and its standard and additional equipment arising from collisions, third-party actions and other insured perils. Available in both basic (zakres podstawowy) and full (zakres pełny) scopes, with settlement in either cost-estimate (kosztorysowy) or service-network (serwisowy) variant. Specific sum insured equals the declared market value of the vehicle; no numeric limit is stated on the product page.
Total loss (complete destruction or irrecoverable loss)
Conditional
Coverage against total destruction or irrecoverable loss of the vehicle. The product page states customers 'can protect themselves against total loss' (możesz zabezpieczyć się na wypadek szkody całkowitej), indicating this is available within the full scope (zakres pełny). Exact payout basis (e.g. market value at loss date minus deductible) is defined in the OWU and not disclosed on the product page.
Partial loss (minor and significant repair costs)
Covered
The policy covers minor partial losses as well as significant damage requiring workshop repair, in both basic and full scopes. Specific coverage limits are set by the insured sum agreed at policy inception and are not disclosed on the product page.
Theft and robbery
Conditional
Covers vehicle loss due to theft (including partial theft of components). The product page states customers 'can protect themselves against theft' (możesz zabezpieczyć się na wypadek kradzieży pojazdu), suggesting this is primarily available in the full scope (zakres pełny). Anti-theft device requirements and territorial exclusions (if any) are detailed in the OWU.
Glass damage
Covered
Glass damage (e.g. windscreen, side windows) is part of the general vehicle damage coverage under the AC policy. No separate glass sublimit or standalone glass rider is mentioned on the product page; details are in the OWU.
Natural perils (weather events / acts of nature)
Covered
Covers damage caused by natural perils such as hailstorms (gradobicie) and other weather events. Explicitly confirmed on the product page for both coverage scopes.
Vandalism
Covered
Covers damage resulting from acts of vandalism (akty wandalizmu). Explicitly confirmed on the product page for both coverage scopes.
Roadside assistance
Optional
Roadside assistance is not explicitly described as included in either coverage scope on the product page. It is common for Partner TUiR to offer assistance as a complementary or optional add-on alongside the AC policy. No coverage details, limits, or inclusion status are confirmed by the available source.
Replacement vehicle
Not offered
A replacement vehicle benefit is not mentioned on the product page for either coverage scope. Details are not available from the accessible source; refer to the OWU for full terms.
Driver accident insurance (NNW)
Not offered
Accident insurance for the driver (NNW) is not mentioned on the autocasco product page. It may be available as a separate product or add-on. No coverage details are confirmed by the available source.
Key conditions
Driver age and experience limit
No driver age or experience limit is stated on the product page. Refer to the OWU for any applicable restrictions.
Repair network requirements
Two settlement variants are available: the service-network variant (wariant serwisowy) requires repair at a Partner TUiR partner workshop and enables cashless settlement; the cost-estimate variant (wariant kosztorysowy) allows the policyholder to choose any repair facility, with compensation based on an insurer valuation. The specific list of partner workshops is not published on the product page.
Territorial scope
The product page does not specify territorial scope beyond Poland. The exact territorial coverage (e.g. whether European countries are included) is defined in the OWU. Vehicles without a valid technical inspection or not admitted to traffic are excluded.
Anti-theft requirements
The product page does not state specific anti-theft device requirements. Requirements applicable to theft coverage are detailed in the OWU.
Claim notification deadline
The claim notification deadline is not stated on the product page. Refer to the OWU for the required timeframes for reporting insured events.
Deductible rules
The product page does not disclose specific deductible (franczyza) amounts. Exclusions explicitly mentioned include: vehicles without a valid technical inspection, vehicles not admitted to road traffic, damage resulting from use contrary to the vehicle's purpose, intentional damage, and damage caused by a driver under the influence of alcohol or other intoxicants. Further deductible rules are in the OWU.
Policy specifics
Vehicle damage repair
Coverage for costs of vehicle damage repair including basic equipment, available in two variants: cost estimate (kosztorys) or service network (serwisowy)
Vehicle theft
Coverage for vehicle loss due to theft, including partial theft of parts
Natural disasters and vandalism
Coverage for damage caused by natural disasters (e.g., hail) and acts of vandalism
Total loss coverage
Coverage protecting against complete vehicle destruction or loss
Repair method variant selection
Customers may choose between cost estimate variant (kosztorys) or service network variant (serwisowy) for repair settlement
Coverage scope: Basic vs Full
AC insurance is available in two distinct scopes: basic scope (zakres podstawowy) and full scope (zakres pełny), each offering different protection levels
Excluded vehicle conditions
The policy does not cover vehicles lacking a valid technical inspection (przegląd techniczny), vehicles not admitted to road traffic, damage resulting from use contrary to the vehicle's purpose, intentional damage, or damage caused by a driver under the influence of alcohol or other intoxicants.