Proama Casco (own-damage car insurance) (Autocasco Mini)

No parts depreciation applied to any claim settlement – neither invoice-based nor estimate-based – providing higher payouts than many competitors.

Up to 70% no-claims discount after 4 claim-free years, one of the highest bonus levels on the Polish motor insurance market.

In the Warsztat variant, Proama arranges door-to-door vehicle collection and delivery and provides a 3-year guarantee on all repair work at partner workshops.

No deductibles or mandatory own-contribution in any AC Mini variant, including for damage caused by young or inexperienced drivers.

Driver age and experience limit

No minimum driver age or minimum driving experience requirement is stated in the AC Mini terms. Premiums are calculated individually based on the insured's age and length of driving licence for the vehicle category (per OWU §10). No mandatory own-contribution (franchise/deductible) for young drivers.

Repair network requirements

Three settlement variants: (1) AC Mini ASO – repair at an authorised service centre (ASO) at standard ASO labour rates and new original parts; vehicle age at policy inception must not exceed 10 years (per current 2026 OWU). (2) AC Mini Warsztat – repair at a Proama partner workshop; cashless, includes free door-to-door vehicle transport and a 3-year repair warranty; vehicle age must be between 5 and 20 years. (3) AC Mini Kosztorys – compensation based on an estimate at a fixed labour rate of PLN 70 net per hour and original new parts with a corrective coefficient (per Appendix 3 to OWU); vehicle age must be between 5 and 20 years. Age restrictions do not apply to vehicles continuously insured with Proama on renewal.

Anti-theft requirements

The vehicle must have a factory-fitted electronic immobiliser (not required for motorcycles, agricultural tractors and trailers, caravans, trailers and semi-trailers). As a condition of theft cover, the vehicle must be locked in accordance with its design features and the required anti-theft devices must be working at the time of theft. Loss or theft of keys must be reported to Proama immediately (no later than the next day) and to the police.

Section: ROZDZIAŁ II. – UBEZPIECZENIE AUTOCASCO MINI > § 10. Urządzenia zabezpieczające przed Kradzieżą

PROAMA wymaga Wyposażenia z zamontowaną fabrycznie elektroniczną blokadę uruchomienia silnika (immobiliser), z zastrzeżeniem ust. 3. W odniesieniu do motocykli, ciągników i przyczep rolniczych, przyczep kempingowych, przyczep i naczep, PROAMA nie wymaga zainstalowania zabezpieczeń przeciwkradzieżowych.

Claim notification deadline

Theft must be reported to Proama within 3 days of learning of it; other insured events must be reported within 7 days. Police must also be notified of theft within 3 days. For the Autoszyby add-on, the notification deadline to Proama is 7 days from the date of damage. The insured must not begin repairs before Proama's inspection, unless Proama fails to take a position within 7 days of being notified.

Section: ROZDZIAŁ II. – UBEZPIECZENIE AUTOCASCO MINI > § 12. Postępowanie w razie zaistnienia Zdarzenia objętego ochroną ubezpieczeniową

najpóźniej w ciągu 3 dni od uzyskania wiadomości o szkodzie, powiadomić policję lub inne właściwe organy o Kradzieży Pojazdu

Deductible rules

No deductibles (own contributions / franchises) apply in AC Mini – neither mandatory nor age-related. No parts depreciation (amortisation) is deducted when settling claims, whether on an invoice or estimate basis, except for tyres, accumulators/batteries, brake system and clutch elements and exhaust system elements, which are reduced by their actual wear (and parts with earlier damage or repairs). For the Autoszyby add-on, from the second and subsequent claims requiring glass replacement, Proama covers only 60% of replacement cost.

Section: ROZDZIAŁ II. – UBEZPIECZENIE AUTOCASCO MINI > § 14. Ustalenie wysokości Odszkodowania w przypadku szkody częściowej

PROAMA nie stosuje potrąceń amortyzacyjnych za wyjątkiem sytuacji, gdy uszkodzeniu w wyniku Szkody uległy następujące części: ogumienie, akumulator, bateria oraz elementy układu hamulcowego i sprzęgła oraz elementy układu wydechowego, Odszkodowanie pomniejszane jest w oparciu o ich faktyczne zużycie.

Direct payment

In the AC Mini Warsztat variant, Proama organises and pays the repair workshop directly (cashless settlement) and also covers transport of the vehicle to and from the partner workshop. In the ASO variant, settlement is based on invoices from authorised service centres. In the Kosztorys variant, compensation is paid based on an estimate prepared by Proama. Direct payment to the workshop is available only in the Warsztat and ASO variants.