Pevno Casco (own-damage car insurance) (Autocasco All Risk)

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.

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.

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.

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.

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.

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.

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.

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.

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.