UNIQA Towarzystwo Ubezpieczeń S.A. (trading as Pevno)
Pevno
Pevno is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
In the ASO, Warsztat Plus and Warsztat variants, compensation is settled directly between the insurer and the workshop on the basis of invoices, with cashless repair. In the Kosztorys variants, the compensation amount is calculated by estimate and paid directly to the insured's bank account.
Geographic scope
Poland and European countries
Coverage for accidents and theft across Poland and all European countries as listed in the OWU (excluding theft in Russia, Belarus, Ukraine and Moldova). Damage abroad must generally be repaired in Poland.
Unique selling points
- All-risk formula covering all sudden and unforeseen events including collision, theft, natural perils and vandalism – no need to identify the specific cause of damage.
- No integral deductible: claims of any amount, including minor scratches and dents, are accepted and processed without a minimum threshold.
- Guaranteed Sum Insurance (GSU+) automatically maintains the vehicle's insured value throughout the year for cars up to 3 years old bought in Polish dealerships in the ASO variant – at no extra premium.
- Coverage extended to vehicles imported from the USA or Canada, an eligibility that many competitors exclude.
- 15% online purchase discount and instant policy issuance via the self-service calculator on pevno.pl.
Coverage limits
Own Damage (Partial Loss)
Covered
Covers damage to the vehicle caused by any sudden and unforeseen event including collision, weather, fire, vandalism or other external causes. Compensation capped at the insured sum (current vehicle value as at the date of loss, or fixed GSU+ value if elected). Settlement method depends on chosen variant: ASO uses OEM parts at ASO rates; Warsztat Plus/Warsztat uses OEM or equivalent parts at non-ASO rates; Kosztorys variants use equivalent-part estimates at PLN 65/hr labour rate. No integral deductible applies; minor claims are accepted.
Total Loss
Covered
A total loss occurs when the estimated repair cost exceeds 70% of the vehicle value at the date of loss (not exceeding the insured sum stated in the policy, or for GSU+ policies: 70% of the policy value). Compensation = vehicle value before loss minus salvage value. Insurer may condition payment on transfer of vehicle ownership. With GSU+, the payout is the value stated in the policy (or the higher current value up to 110% of the policy value), minus salvage.
Partial Loss
Covered
Damage where estimated repair costs do not exceed 70% of vehicle value. Settled on invoice basis (ASO/Warsztat variants) or estimate basis (Kosztorys variants). Deductible of 500, 1000 or 2000 PLN applies per event. Mandatory 10% deductible applies if driver is under 26 or held licence for less than 3 years. Tyre, exhaust and traction battery damages are subject to depreciation unless the no-depreciation option is selected.
Theft and Robbery
Covered
Covers theft, theft with break-in and robbery of the vehicle. Compensation equals the insured sum on the day of loss, reduced by the applicable deductible (0% or 10% as elected). With GSU+, the payout is the value stated at policy inception (or current value up to 110% of policy value). Payment is contingent on de-registration, title transfer, and return of all keys/devices. Theft is not covered on Russian, Belarusian, Ukrainian or Moldovan territory. Anti-theft devices declared at policy inception must have been activated at time of theft.
Glass Damage (Windscreen Insurance)
Optional
Separate optional module (Chapter III of the OWU). Covers organisation and cost of repair or replacement of front, side and rear windows damaged in an accident. Scope is limited to Poland. Sum insured is agreed at policy inception. From the second and subsequent windscreen replacements within the same policy period, a 25% co-payment applies. Claims from this module do not affect AC claims history. ADAS calibration costs are included.
Natural Perils
Covered
Covered under the all-risk scope of AC (Chapter I). The OWU defines 'accident' for assistance and luggage purposes to include flood, submersion, atmospheric precipitation, hurricane, hail, lightning strike, avalanche, and landslide. The AC all-risk formula covers all sudden and unforeseen events from external causes, which encompasses natural perils unless explicitly excluded. No sub-limit; covered up to the insured sum.
Vandalism
Covered
Covered under the all-risk AC scope (Chapter I). The OWU accident definition explicitly includes damage caused by third parties and vandalism by third parties, confirming vandalism coverage within the AC all-risk formula. No sub-limit; covered up to the insured sum.
Roadside Assistance
Optional
Separate optional module (Chapter VII of the OWU). Available in six variants: Podstawowy (Basic), Ekonomiczny (Economy), Rozszerzony (Extended), Maksymalny (Maximum, covers all European countries), Opony (Tyres) and Samochód zastępczy do 5 dni po wypadku (Replacement car up to 5 days after accident). Covers roadside repair, towing (75–500 km by variant), passenger transport, overnight accommodation, tyre assistance, vehicle opening, fuel assistance, medical assistance and more. Up to 3 assistance events per policy period. Basic package (Podstawowy) is bundled with OC and included in the OC+AC package.
Replacement Vehicle
Optional
Available as part of optional Assistance module (Chapter VII). Included in Ekonomiczny (max class B, up to 2 days), Rozszerzony (max class B, up to 4 days) and Maksymalny (max class C, up to 7 days) variants, triggered on immobilisation or theft. Also available as a standalone Assistance variant 'Samochód zastępczy do 5 dni po wypadku' (max class C, up to 5 days, accident only, Poland only). Fuel and other consumables excluded.
Driver Accident Insurance (NNW)
Optional
Separate optional module (Chapter V of the OWU). Covers bodily injury to driver and passengers arising from a road accident connected with the use of the insured vehicle. Benefit is a percentage of the insured sum per the NNW Injury Table (Chapter XIII). Death benefit equals 100% of the insured sum if death occurs within 2 years of the accident. Also covers death of a transported pet (up to PLN 2,000 per event). Covers events in Poland and all European countries.
Key conditions
Driver age and experience limit
If not otherwise agreed at policy inception, a mandatory 10% deductible of the compensation due applies if the damage is caused by a driver who has not yet reached the age of 26, or who obtained their driving licence less than 3 years before the date of the incident (OWU Chapter I, section 4.6).
Repair network requirements
In the Serwis ASO variant, repairs must be carried out at the authorised service centre (ASO) for the vehicle's brand; the labour rate is capped at the average arithmetic rate of ASO workshops in the province where the vehicle was repaired. In Warsztat Plus and Warsztat variants, repairs are made at non-authorised workshops with labour rates capped at the average arithmetic rate of non-authorised workshops in the province of the insured's residence. In Kosztorys variants, the insured may repair at any workshop or independently; the labour rate used for the estimate is PLN 65 gross/hr. Repairs abroad must generally be repatriated to Poland unless emergency partial repair is needed (up to EUR 2,000 without prior authorisation).
Territorial scope
All-risk AC covers accidents and theft occurring in Poland and all European countries listed in the OWU (Albania, Andorra, Austria, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Montenegro, Czech Republic, Denmark, Estonia, Finland, France, Greece, Spain, Netherlands, Ireland, Iceland, Kosovo, Liechtenstein, Lithuania, Luxembourg, Latvia, North Macedonia, Malta, Moldova, Monaco, Germany, Norway, Poland, Portugal, European part of Russia, Romania, San Marino, Serbia, Slovakia, Slovenia, Switzerland, Sweden, European part of Turkey, Ukraine, Vatican, Hungary, Great Britain and Italy). Theft is explicitly not covered in Russia, Belarus, Ukraine and Moldova.
Anti-theft requirements
Anti-theft devices declared by the insured in the application for insurance must be activated at the time of theft (unless the vehicle was lost as a result of robbery). Failure to activate declared devices, where the failure contributed to the theft, results in the insurer refusing to pay compensation. If keys or opening/starting devices are stolen or lost during the policy period, the insured must replace the locks or change the access codes (evidenced by invoice); failure to do so, if it contributed to the theft, may result in refusal of compensation. The insurer may make conclusion of AC or P-KR insurance conditional on the vehicle having anti-theft devices installed.
Claim notification deadline
Accident: notify insurer without delay, no later than 7 days from the accident. Theft: notify insurer without delay, no later than 2 days from the day the insured learned of the theft. Police and other authorities must be notified without delay, no later than 1 day from learning of: accidents with casualties, crimes, vehicle or accessory theft, theft of keys, or theft of vehicle documents. Claims for glass damage: notify insurer without delay, no later than 2 days from the day the insured learned of the event.
Deductible rules
The insured must specify the deductible at policy inception. For damage or destruction: PLN 500, PLN 1,000 or PLN 2,000 per event. For theft: 0% or 10% of compensation. In addition, a mandatory 10% deductible (of the compensation due) applies if the loss is caused by a driver under 26 years of age or with less than 3 years of licence, unless otherwise agreed. The deductible applies separately to each event. Each compensation payment reduces the sum insured (reducing sum), unless the renewable sum option (additional premium) is selected; the renewable sum does not apply in case of total loss or theft. No integral deductible (franszyza integralna): all claims, including minor ones, are processed.
Documents
General Terms and Conditions of Motor Insurance Pevno (OWU, resolution 2/19/05/2026, effective 19 May 2026)
terms_and_conditions
General Terms and Conditions of Motor Insurance Pevno – KioskPolis copy
terms_and_conditions
General Terms and Conditions of Motor Insurance Pevno (OWU, resolution 2/25/11/2025, superseded November 2025 version)
terms_and_conditions
Policy specifics
Constant Sum Insurance (GSU+)
Optional feature maintaining vehicle value throughout insurance period for vehicles up to 3 years old purchased in Polish dealerships and serviced at ASO
Battery Depreciation Waiver
Optional coverage for electric and hybrid vehicles allowing full battery value retention in case of loss settlement
Discount Protection
Optional add-on protecting policy holder from premium increase due to first claim during renewal
US/Canada Imported Vehicles
Coverage extension allowing comprehensive AC protection for vehicles imported from USA or Canada
Service Variants
Multiple service channel options: ASO (authorized service centers), Plus Workshop, Workshop, Estimate without depreciation, Estimate with depreciation
Deductible Structure
Flexible deductible options: 500 PLN, 1000 PLN, or 2000 PLN for accidents; 0% or 10% for theft claims
No Integral Deductible
Claims below any minimum threshold are accepted and processed, enabling submission of minor damage claims
Vehicle Age Eligibility
AC mini coverage: vehicles aged 5-18 years; AC all-risk with ASO: max 15 years; AC all-risk with estimate: max 18 years