Generali Towarzystwo Ubezpieczeń S.A. (Proama brand)
Proama
Proama is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
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.
Geographic scope
Poland and neighboring countries (Czech Republic, Lithuania, Germany, Slovakia)
Coverage applies to events occurring on the territory of Poland, Czech Republic, Lithuania, Germany and Slovakia. Theft exclusion may apply in certain countries per OWU.
Unique selling points
- 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.
- Online purchase and instant policy issuance available 24/7 via proama.pl, with the option of payment in two instalments.
Coverage limits
Own damage (collision / own-fault damage)
Excluded
AC Mini does not cover vehicle damage caused by the owner or driver (e.g. collision due to driver fault, scratching, or parking damage). Only damage from natural perils, animal impact and theft is covered.
Total loss (arising from covered perils)
Covered
Total loss is triggered when repair costs exceed 70% of the vehicle's market value on the date of loss (per Eurotax/Info-Expert catalogue) or when repair is technically impossible. Compensation equals vehicle market value minus salvage value. The maximum insured vehicle value is PLN 150,000 gross. Coverage applies only when total loss results from a peril covered by AC Mini (natural forces, animal damage or theft).
Partial loss from covered perils (natural forces / animal damage)
Covered
Partial damage to the vehicle caused by natural forces (floods, hail, lightning, landslides, fire, chemical/thermal agents from outside the vehicle) or animals is covered up to the vehicle's market value capped at PLN 150,000. No parts depreciation (amortisation) is applied. Settlement depends on variant: Warsztat (partner workshop, cashless, with 3-year repair warranty and door-to-door transport), ASO (authorised service, invoice-based), or Kosztorys (estimate basis).
Theft and robbery
Covered
Theft (including break-in theft, robbery and extortion robbery per Polish Penal Code arts. 278, 279, 280, 282) of the vehicle or its permanently fitted equipment is covered. Compensation equals the vehicle's market value on the date of loss per Eurotax/Info-Expert, capped at PLN 150,000. Theft on the territory of Belarus, Russia and Ukraine is excluded (per OWU §6 of the 2017 OWU; verify current exclusions in the 2026 OWU). Anti-theft device conditions apply. Motorcycle theft is excluded from the scope.
Glass damage (Autoszyby add-on)
Optional
Not included in AC Mini base coverage. Available as a separate optional add-on 'Ubezpieczenie Autoszyby' with a sum insured of PLN 3,000. Covers windscreen, rear and side windows. From the second claim onwards requiring glass replacement, Proama covers 60% of replacement cost. The Autoszyby product must be purchased jointly with AC Mini.
Natural perils and animal damage
Covered
Core coverage of AC Mini. Covers damage caused by natural forces: floods, avalanches, landslides, hail, lightning strike, and damage caused by sudden thermal or chemical agents from outside the vehicle. Also covers damage from collision with animals and damage caused by animals. This is the primary voluntary coverage in AC Mini alongside theft protection. Sum insured equals current market value up to PLN 150,000.
Vandalism
Excluded
Vandalism is not covered under AC Mini. AC Mini covers only damage from natural forces, animal impact and theft. Vandalism by third parties is excluded; only full Autocasco (Casco ASO / Casco Warsztat) would cover such events.
Roadside assistance (Assistance add-on)
Optional
Not included in AC Mini base coverage. Available as a separate optional add-on in two variants: Assistance Wypadkowy (accident only, sum insured PLN 1,000, Poland only) or Midi Assistance (accident, theft and breakdown, sum insured PLN 3,000, Poland only). Midi Assistance can be purchased together with AC Mini. Super Assistance (sum insured PLN 10,000, Poland + European countries) is available with full Autocasco only.
Replacement vehicle (via Assistance add-on)
Optional
Not included in AC Mini base coverage. Available through the Assistance add-on. Under Midi Assistance: replacement vehicle for up to 3 days after accident or theft. Under Super Assistance: up to 7 days after accident, breakdown or theft. Class of replacement vehicle is capped at class C with maximum 5 seats.
Driver and passenger accident insurance (NNW add-on)
Optional
Not included in AC Mini base coverage. Available as an optional add-on 'NNW Komunikacyjne' covering the driver and passengers for death and permanent disability resulting from a traffic accident. Sum insured is PLN 30,000 per insured person. Must be purchased together with OC or AC Mini.
Key conditions
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.
Territorial scope
Coverage applies to events occurring in Poland, Czech Republic, Lithuania, Germany and Slovakia. This is more restricted than the full Autocasco product which covers all European countries. Theft in Belarus, Russia and Ukraine is excluded per the base OWU terms.
Anti-theft requirements
Vehicles with a value up to PLN 200,000 gross must have at least one anti-theft device installed. Vehicles worth more must have at least two different types of such devices, unless otherwise agreed. As a condition of theft cover, the vehicle must be locked in accordance with its design features and all required anti-theft devices must be functioning at the time of theft or attempted theft (does not apply to robbery or extortion robbery). Loss or theft of keys must be reported to Proama immediately (no later than the next day) and to the police.
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 7 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.
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. For tyres, batteries and exhaust system elements, individual wear is taken into account. For the Autoszyby add-on, from the second and subsequent claims requiring glass replacement, Proama covers only 60% of replacement cost.
Where to buy
Documents
General Terms and Conditions of Motor Insurance Proama (OWU) – 2017 base version
terms_and_conditions
Insurance Product Information Document (IPID) – Proama Motor Insurance, effective 13 February 2026
ipid
General Terms and Conditions of Motor Insurance Proama (OWU) – effective 13 February 2026
terms_and_conditions
Policy specifics
Damage from natural forces and animals
AC Mini provides coverage for vehicle damage caused by natural forces (weather events, natural disasters) and animal damage as core coverage components
Vehicle theft
AC Mini provides compensation in case of vehicle theft
Total loss threshold
In AC Mini insurance, total loss is defined when repair costs exceed 70% of market value or repair is technically impossible
No coverage for collision or driver-caused damage
AC Mini does not cover vehicle damage caused by the insured owner or driver (own-fault collisions, parking damage, scratches, vandalism caused by the owner). This is the critical distinction between AC Mini and full comprehensive Autocasco. Customers frequently mistake AC Mini for full Autocasco.
Insured sum equals current market value
In AC Mini, the sum insured corresponds to the current market value of the vehicle at the time of the claim, determined based on market quotations for the given make and type per the Eurotax catalogue. Maximum insured vehicle value is PLN 150,000 gross. The sum insured is variable and decreases with vehicle depreciation. For new vehicles purchased from an authorised dealer within 12 months of first registration and with mileage under 5,000 km, the purchase invoice price may be used.
No parts depreciation deduction
AC Mini does not apply depreciation/amortisation deductions to replacement parts when settling claims, regardless of whether damage is settled cashless (invoice basis) or via estimate (Kosztorys). Exception: individual wear is taken into account for tyres, batteries and exhaust system components.
Repair workshop selection
AC Mini offers three variants based on repair location choice: AC Mini Warsztat (ProAma partner workshop), AC Mini ASO (authorized service station), and AC Mini Kosztorys (cost estimate basis)
Vehicle age restrictions
AC Mini ASO variant: vehicles under 5 years old. AC Mini Warsztat and AC Mini Kosztorys: vehicles between 5 and 15 years old. Age restrictions do not apply to vehicles continuously insured with ProAma
Geographical coverage territory
AC Mini coverage applies to events occurring on the territory of the Republic of Poland with limited territorial scope
Sources
- https://kalkulator-oc-ac.auto.pl/tu/proama/
- https://www.generali.pl/media/06_KOMPENDIUM_WIEDZY_PROAMA_KOMUNIKACJA_I_MAJATEK_92e90fa956.pdf
- https://www.proama.pl/likwidacja_szkody/dodatkowe_materialy_i_informacje/szkoda_czesciowa_a_calkowita/
- https://www.proama.pl/ubezpieczenie_samochodu/ubezpieczenie_ac_mini/
- https://www.proama.pl/ubezpieczenie_samochodu/warto_wiedziec/pytania_i_odpowiedzi/pytania_dotyczace_ac/