HPI GMA S.A. (operating under the Trasti brand)
Trasti
Trasti is a motor casco insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
Claims can be settled in three ways chosen by the insured: estimate-based (Kosztorys), partner workshop network (Sieć Partnerska) with cashless repair, or authorised service centre (ASO) with cashless repair. In the partner network and ASO variants, repair is organised and paid for directly by Trasti without requiring the insured to advance costs.
Geographic scope
Poland and geographical Europe
Coverage applies to damages occurring in Poland and geographical Europe
Unique selling points
- Total loss threshold set at 100% of vehicle value — the only insurer in Poland to allow repairs up to the full market value without early total-loss declaration.
- Zero deductible and zero parts depreciation on all claim types, including partial damage, total loss and theft.
- Free 30-day replacement vehicle after theft, included in the base policy regardless of chosen repair variant.
- Door-to-door vehicle collection and return service included in the partner workshop (Sieć Partnerska) repair variant at no extra cost.
- Guaranteed fixed insured sum maintained for the entire policy period regardless of vehicle age, with no post-claim reinsurance requirement.
Coverage limits
Own damage (all perils)
Covered
AC All Risk covers damage, destruction or loss of the insured vehicle from any peril not explicitly excluded in the OWU. No deductible and no depreciation of parts apply. Repair costs are covered up to 100% of the vehicle’s market value on the day of loss, with an option to maintain a fixed insured sum throughout the policy term.
Total loss
Covered
Trasti is the only insurer in Poland that does not apply the standard 70% total-loss threshold. The vehicle can be repaired up to 100% of its market value on the day of loss before total loss is declared. Compensation is calculated as the vehicle’s market value minus salvage value (differential method). No deductible applies.
Partial loss
Covered
Partial damage to the vehicle is covered up to the insured sum. No deductible and no depreciation of parts apply. Since the total-loss threshold is 100%, all partial-damage claims (up to 100% of vehicle value) are settled as partial loss.
Theft and robbery
Covered
Theft of the insured vehicle is covered. In the event of theft, the insured may also receive a free replacement vehicle for up to 30 days, regardless of the chosen repair variant.
Glass damage
Optional
Glass damage is not included in the core AC All Risk product. Trasti offers a separate optional glass insurance (Ubezpieczenie Szyb) with a sum insured of 4,000 PLN per event and in aggregate, covering replacement, repair and calibration of the windscreen, rear window and side windows. Available for vehicles of all ages, valid in Poland only.
Natural perils
Covered
As an all-risk product, damage caused by natural perils (flood, hailstorm, lightning, landslide, avalanche, fire, hurricane, strong winds) is included within the standard AC All Risk scope without a separate sub-limit.
Vandalism / third-party damage
Covered
Damage caused by third parties (vandalism, deliberate or accidental damage by others) is included within the all-risk scope of AC All Risk.
Roadside assistance
Optional
Roadside assistance is not included in the core AC All Risk product. Trasti offers a separate optional Assistance product available in several variants, providing 24/7 help on the road after accident, breakdown or theft. Maximum benefit per event is 3,000 PLN. Services include on-site repair, towing (up to 1,100 km in Europe or unlimited in Poland variant), fuel delivery, battery start, tyre change, replacement driver and accommodation.
Replacement vehicle (after theft)
Covered
A free replacement vehicle is provided for up to 30 days following theft of the insured vehicle, included in the AC All Risk policy regardless of the chosen repair variant (Kosztorys, Sieć Partnerska or ASO). A separate general replacement vehicle service (7–21 days after accident/breakdown) is part of the optional Assistance product.
Driver and passenger accident (NNW)
Optional
Accident coverage for the driver and passengers (NNW – Następstwa Nieszczęśliwych Wypadków) is not included in the core AC All Risk product. It is sold as a separate optional product by Trasti, with sum insured ranging from 50,000 PLN to 200,000 PLN, valid in Poland and Europe.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience requirement was found in the available AC All Risk sources. The policy covers any licensed driver of the insured vehicle.
Repair network requirements
The insured may choose from three repair settlement methods: (1) Kosztorys – estimate-based cash settlement; (2) Sieć Partnerska – repair in the Trasti partner workshop network, including a door-to-door pickup and delivery service at no additional cost; (3) ASO – repair in an authorised manufacturer service centre. The choice of variant affects the premium.
Territorial scope
Coverage applies to damages occurring in Poland and geographical Europe. There is no extension to countries outside Europe (e.g. Russia, Belarus, Turkey, Africa).
Anti-theft requirements
No specific anti-theft device requirements were stated in the available AC All Risk sources. Standard policy terms exclude theft resulting from the insured leaving keys in the ignition or gross negligence.
Claim notification deadline
For AC claims, the insured must notify Trasti without delay and no later than 7 business days from the date of becoming aware of the event. For Assistance events, notification must be made no later than 24 hours from becoming aware of the event.
Deductible rules
AC All Risk has no deductible (udział własny) and no integral franchise (franszyza integralna) for any type of claim, including partial damage, total loss and theft. No depreciation of parts is applied in the compensation calculation.
Documents
General Terms and Conditions – AC All Risk (effective 13.02.2026)
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General Terms and Conditions – AC All Risk (effective 26.02.2025, superseded)
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General Terms and Conditions – AC All Risk (effective 19.11.2024, superseded)
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Product Information Document (IPID) – Trasti AC All Risk
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Product Information Document (IPID) – Trasti AC All Risk (Asekuro copy)
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Policy specifics
Substitute vehicle in case of theft
Free substitute vehicle provided for up to 30 days following theft of insured vehicle
Total loss threshold at 100% of vehicle value
Trasti establishes total loss threshold at 100% of vehicle value on day of loss, not standard industry 70%
No deductible and no depreciation
Policy explicitly includes no deductible (udział własny) and no depreciation (amortyzacja) of parts in compensation calculation
Three repair variants available
Insured can choose from three repair resolution methods: Kosztorys (estimate-based), Sieć Partnerska (partner workshop network), or ASO (authorized service outlet)
Guaranteed sum of insurance maintained throughout policy term
Sum of insurance is guaranteed to remain constant throughout entire policy period regardless of vehicle age
Partner workshop network service arrangement
If insured chooses Sieć Partnerska variant, Trasti organizes both pickup of damaged vehicle from specified location and delivery of repaired vehicle to same location
Territorial coverage scope
Coverage applies to damages occurring in Poland and geographical Europe
No mandatory reinsurance after loss
Policy explicitly states no requirement to obtain additional insurance (doubezpieczenie) on vehicle after claim payout