PZU
PZU is a motor casco insurance for the PL market with online purchase and 24/7 assistance.
Direct payment
Claims paid directly to the insured (vehicle owner) in PLN. In the partner repair variant, payment is made cashlessly directly to the partner workshop. For total loss and theft, compensation is paid based on vehicle market value at the date of claim settlement. Costs incurred abroad are reimbursed in PLN at NBP average exchange rate on the date of settlement.
Geographic scope
PL
Terytorium RP i innych państw Europy oraz Algierii, Maroka, Izraela i Tunezji; szkody kradzieżowe na terytorium Rosji, Białorusi, Ukrainy i Mołdawii wyłączone ze standardowego zakresu (rozszerzenie za dopłatą)
Unique selling points
- All-risks (all-perils) formula: covers damage, destruction and loss from any cause not explicitly excluded – including collision at fault, natural perils, vandalism, theft and animal impact – without a predefined list of covered events.
- Auto Non Stop option: PZU organises collection of the damaged vehicle, repair at an ANS network workshop, and provides a replacement car (up to segment E) for the entire repair duration – all costs covered by PZU, with no time limit on the replacement vehicle period.
- Auto Wartość 100% option: vehicle value is fixed at the amount declared on the contract inception date throughout the policy period, preventing depreciation-based reductions to theft and total-loss payouts – especially valuable for new cars.
- 24/7 claims and assistance helpline (801 102 102): PZU consultants are available around the clock every day of the year for Poland and abroad, providing multilingual support and immediate assistance organisation.
- SMART repair technology at PZU network workshops enables fast, cost-effective removal of minor cosmetic damage without conventional bodywork replacement, reducing vehicle downtime.
Coverage limits
Own damage (collision and other perils)
Covered
Covers damage, destruction or loss of the vehicle, its parts or equipment caused by any insured event including collision, fire, natural perils, vandalism, and other events not explicitly excluded. The insured sum corresponds to the vehicle's market value (brutto or netto depending on the agreement). Total loss threshold is when repair costs exceed 70% of the vehicle's value on the day of claim settlement.
SourceTotal loss
Covered
Occurs when repair costs exceed 70% of the vehicle's market value on the day of claim settlement. Compensation equals the vehicle value minus the market value of its remains. If Auto Wartość 100% option applies, compensation is based on the vehicle value at policy inception date, provided no material change in vehicle condition has occurred.
SourcePartial loss
Covered
Any damage that does not qualify as a total loss. Repair costs are calculated based on the chosen variant (service: original parts; optimal: alternative/discounted original parts; partner: original parts at partner workshops). Deductibles and own contributions apply as stipulated in the policy. Minimum damage threshold is 300 PLN (integral franchise).
SourceTheft / robbery of vehicle
Covered
Covers theft of the vehicle, its parts or equipment, and break-in damage. Compensation equals the vehicle's market value on the day of theft. Standard coverage excludes theft on territory of Belarus, Russia, Ukraine, and Moldova (BRUM); extendable for additional premium. Anti-theft conditions must be met (keys must not be left in vehicle, all factory anti-theft devices activated) otherwise coverage may be refused.
SourceGlass / windscreen damage (PZU Auto Szyba)
Optional
Glass damage (windscreen, side and rear glass) is covered as a separate optional product PZU Auto Szyba (PAS), not included in the base AC policy. The PAS policy covers repair or replacement of front, side and rear glass. First damage covered in full; 30% own contribution applies from the second and subsequent claims in the same policy period. Minimum insured sum 5,000 PLN for passenger cars.
SourceNatural perils (storm, hail, flood, etc.)
Covered
Covered under the standard AC scope as part of the all-risks formula. Includes damage from storm, hail, falling trees, flooding, fire, lightning and other natural events not explicitly excluded. Available in all three repair variants.
SourceVandalism / malicious damage by third parties
Covered
Covered under the standard AC scope as part of the all-risks formula. Includes intentional damage to the vehicle by third parties (persons not residing in the same household as the insured). Damage caused intentionally by persons sharing the insured's household is excluded.
SourceRoadside assistance (PZU Pomoc w Drodze)
Conditional
Roadside assistance is provided through the separate PZU Pomoc w Drodze (PWD) product. The basic Komfort variant is automatically included when an OC or AC policy is concluded for the same vehicle. The Super variant (broader coverage including abroad, replacement vehicle up to 15 days, more triggers) is available for additional premium. Towing up to 150 km is covered in the Super variant per insured event.
SourceReplacement vehicle
Optional
Available as optional extension Auto Non Stop (for passenger cars and personal-body vans): provides a replacement vehicle for the entire repair period at an ANS network workshop, up to class E segment, organized and paid by PZU. Alternatively, Auto Zastępcze option reimburses documented rental costs up to an agreed limit. In PWD Super variant, a replacement vehicle is provided for up to 15 days after accident or theft, and up to 10 days after a breakdown occurring more than 20 km from home.
SourceDriver and passenger accident (NNW)
Optional
Covered through the separate optional product PZU Auto NNW. Insured sum between 5,000 and 100,000 PLN per insured person per accident. Covers: permanent health impairment (proportional to %), death (100% of insured sum), arduous treatment benefit (1%, max 1,000 PLN), daily hospital allowance (1‰/day, max 60 days), rehabilitation and orthopaedic aid costs (up to 10% of insured sum, max 10,000 PLN), treatment costs (up to 10%, max 5,000 PLN).
SourceKey conditions
driver_age_experience_limit
No minimum driver age restriction applies to the standard AC policy itself. However, a mandatory 25% own contribution (deductible) applies when the insured or vehicle user is a natural person (including sole traders with no more than 5 vehicles) who is under 26 years of age on the first day of the insurance period.
repair_network_requirements
Three repair variants available: (1) Service variant – original manufacturer parts; hourly rate based on authorised service workshop averages in the relevant province; repairs can be carried out at any workshop chosen by the insured. (2) Optimal variant – alternative or discounted-original parts (discount applied by vehicle age: 30% for up to 3 years, 45% for 3–5 years, 55% for 5–8 years, 60% for over 8 years); any workshop eligible. (3) Partner variant – original parts at PZU partner workshops (ANS network); if a non-partner workshop is used, compensation is based on PZU valuation (optimal-rate methodology). SMART repair technology is available at specialised PZU network workshops for minor cosmetic damage.
territorial_scope
Standard AC coverage applies in Poland and other European countries, as well as Algeria, Morocco, Israel, and Tunisia. Theft claims in Belarus, Russia, Ukraine, and Moldova are excluded from standard cover (BRUM exclusion) but can be extended for an additional premium (§9 ust. 1 pkt 2). For damage incurred abroad, temporary essential repairs up to 2,500 EUR may be carried out without prior PZU approval; larger repairs require PZU approval or must be organised in Poland.
anti_theft_requirements
After leaving the vehicle unattended, all keys/remote controls must be secured outside the vehicle, all factory-fitted anti-theft devices must be activated, and the vehicle must be secured as provided by its design. Failure to meet these conditions results in exclusion of theft coverage (§12 ust. 1 pkt 11), unless the thief used violence or threat of immediate violence, or unless the non-compliance had no causal link to the theft. Loss of keys or registration documents must be reported to PZU by the next working day; lock cylinders and anti-theft module codes must be replaced.
claim_notification_deadline
Damage to vehicle or luggage occurring in Poland: notify PZU promptly, no later than 7 days from the date of the insured event. Damage occurring abroad: notify PZU no later than 7 days after re-entering Poland, or within 3 days if PZU assistance was needed before returning. Theft/crime-suspected damage: notify police immediately, notify PZU no later than the next working day. Vandalism: notify police within 12 hours, notify PZU by the next working day. The vehicle must not be repaired before PZU inspection (unless PZU fails to inspect within 7 or 14 days), except for safety-critical temporary repairs.
deductible_rules
Optional deductibles to reduce premium: (1) Fixed amount deductible: 500 PLN (standard reduction, applicable when AC Mini reduction is not chosen); (2) Percentage deductible: 10% or 20% of compensation; (3) Mandatory 20% deductible (min. 500 PLN) when AC Mini scope reduction applies; (4) Mandatory 25% deductible when insured is under 26 years old. When multiple deductibles apply simultaneously, they are applied sequentially from the largest. Deductibles reduce the compensation amount.
Where to buy
Policy specifics
Theft exclusion in BRUM countries
Standard AC coverage excludes theft claims on territory of Belarus, Russia, Ukraine, and Moldova (BRUM)
Auto Non Stop comprehensive service
Optional service providing full car repair and unlimited replacement vehicle for entire repair duration
Luggage coverage
Optional coverage for personal items destroyed or stolen in vehicle accident, limited to 5000 PLN
AC Mini economy variant
Economy tier with 20% deductible (minimum 500 PLN) and exclusion of collision damages
Auto Wartość 100% - Fixed vehicle value option
Option maintaining full vehicle value throughout policy period based on value at contract inception
Repair network and part type variant
Three repair options: service (original parts), optimal (alternative parts), partner (original parts at partner workshops)
Claim notification deadline
Claims from damage/loss must be reported within 7 days; theft/vandalism within 1 day
SMART repair technology option
Modern technology for quick repair of minor cosmetic damage by specialized PZU Network workshops
Deductible (own contribution) options
Ability to select fixed amount (500-5000 PLN) or percentage deductible (10% or 20%)
Foreign territory repair approval requirements
Temporary repairs abroad max 2500 EUR without PZU approval; extensive repairs require prior approval or referral to Poland