PZU Casco (own-damage car insurance) (Pzu Auto Ac)

Three repair settlement variants (Service with original parts, Optimal with alternative parts, Partner workshop) allow the customer to tailor claim settlement quality and premium to their needs.

Auto Non Stop extension provides end-to-end claim service: PZU collects the damaged vehicle, organises repair at its network workshop, and delivers a replacement car door-to-door – without the customer needing to arrange anything themselves.

Auto Wartość 100% option freezes the vehicle’s insured value at contract inception, protecting against market depreciation when calculating theft or total-loss compensation.

Auto Ochrona Sumy Ubezpieczenia (non-reducing insured sum) prevents the coverage limit from decreasing after each claim payout, maintaining full protection for subsequent losses throughout the policy year.

Driver age and experience limit

A mandatory co-payment (udział własny) of 25% of compensation applies when the insured or vehicle user is a natural person under 26 years of age on the first day of the insurance period (and is a natural person, including entrepreneur, with no more than 5 vehicles). This co-payment can be waived for an additional premium.

Repair network requirements

Three settlement variants: (1) Service variant – original parts, labour at workshop rates; repair may be done at any workshop but PZU verifies invoices against average rates for comparable workshops in the voivodeship. (2) Optimal variant – alternative parts (or discounted originals if unavailable); same invoice verification. (3) Partner variant – original parts at partner workshop rates; invoices must be issued by a partner workshop; if repaired elsewhere, PZU pays only estimated value. AC Mini is only available in the optimal variant and claims settled exclusively on PZU estimate basis.

Anti-theft requirements

No mandatory anti-theft device requirement as a condition of coverage. However, theft cover is excluded if: the driver left the vehicle with keys inside without securing against unauthorized use; keys or anti-theft device controllers were not secured outside the vehicle after leaving it unattended; the vehicle was not secured in its construction-prescribed manner or all anti-theft devices were not activated. Exception: theft from a locked garage of a single owner (closed with at least one multi-lever lock, padlock or certified electromechanical system). Exclusion does not apply if there is no causal link or the perpetrator used violence/threats.

Claim notification deadline

Damage in Poland: promptly, no later than 7 days from the event. Theft or crime-related damage: promptly, but no later than the next business day. Failure to notify (intentional or gross negligence) may result in reduced compensation if it contributed to increased damage or prevented PZU from establishing circumstances.

Section: POSTĘPOWANIE W RAZIE ZAJĘCIA ZDARZENIA > § 50 ust. 1 pkt 3

3) powiadomić PZU w następujących terminach: a) o szkodzie w AC powstałej na terytorium Polski – niezwłocznie, jednak nie później niż w terminie 7 dni od zajścia zdarzenia, b) o szkodzie kradzieżowej lub innej powstałej w okolicznościach uzasadniających przypuszczenie, że popełniono przestępstwo – niezwłocznie po powzięciu informacji o zajściu zdarzenia, jednak nie później niż w najbliższym dniu roboczym, c) o szkodzie w PWD, PAS, OPONY – niezwłocznie, jednak nie później niż w terminie 3 dni od zajścia zdarzenia i przed podjęciem własnych działań, d) o szkodzie w NNW, NNW Max, PAZ – nie później niż w terminie 12 miesięcy od zajścia zdarzenia, e) o szkodzie w PAOP – niezwłocznie, telefonicznie poprzez infolinię PZU, której numer wskazany jest w dokumencie ubezpieczenia; w razie naruszenia tych obowiązków z winy umyślnej lub rażącego niedbalstwa PZU może odpowiednio zmniejszyć odszkodowanie.

Deductible rules

Standard (base) policy: mandatory franchise integral of PLN 300 (claims below this threshold not covered; exception for interior damage from medically-required passenger transport). Optional deductibles (udział własny) reducing premium: (1) PLN 500 flat (not available with AC Mini scope); (2) 20% of compensation, min PLN 500 (only with AC Mini scope); (3) 25% of compensation for insureds/users under 26 years of age (mandatory, can be waived for extra premium). Deductibles are cumulative if multiple apply – applied starting from the largest; each subsequent deductible is calculated on the compensation already reduced by the previous one.

Direct payment

PZU settles claims directly in its own repair network (Siec Naprawcza PZU); reimbursement also available on invoice from any workshop; partner variant requires repairs at designated partner workshop; costs based on Polish price lists