Ubezpieczenia Pocztowe Casco (own-damage car insurance) (Bezpieczny Pojazd Autocasco)

In the Maxicasco variant, the policy covers both partial and total loss arising from collision, external mechanical force, third-party actions, fire, explosion, flooding, natural forces, thermal or chemical factors from outside, and theft. In the Minicasco variant, only total loss events are covered. The insured sum equals the market value of the vehicle on the policy date, up to a maximum of 200,000 PLN. Damages below 500 PLN are not covered.

A total loss occurs when repair costs exceed 70% of the vehicle's market value on the date of the loss. In both Minicasco and Maxicasco variants, total loss is covered. Compensation equals the market value of the vehicle at the time of loss, not exceeding the insured sum (maximum 200,000 PLN). The insured sum is reduced by each paid indemnity.

Partial loss coverage (repair costs not exceeding 70% of the vehicle's market value) is available in the Maxicasco variant only. Minicasco does not cover partial losses. Repair cost value is assessed based on market value at the date of loss and the settlement method chosen (cost estimate or workshop).

Theft of the entire vehicle is covered under both Minicasco and Maxicasco variants. Anti-theft device requirements apply: one device for vehicles up to 100,000 PLN market value; two devices for vehicles above 100,000 PLN. Theft coverage is excluded on the territory of Belarus, Moldova, Russia, Ukraine, and Turkey. Coverage does not apply if keys or vehicle documents were left unsecured in or with the vehicle due to the insured's intentional act or gross negligence.

Separate optional glass insurance ("Szyby w pojeździe") covers repair or replacement of the front, rear, and side windows. The insured sum is 4,000 PLN per policy year. Coverage applies to vehicles whose age does not exceed 20 years. The value of loss is determined based on comparable-quality or original parts plus workshop labour. This is a separately priced add-on to the Bezpieczny Pojazd package and is not part of the AC base coverage.

Damage caused by fire, explosion, flooding, and sudden action of other natural forces is covered in both Minicasco and Maxicasco variants, as well as sudden action of thermal or chemical factors from outside the vehicle. The limit is the insured sum (up to 200,000 PLN market value). In the Minicasco variant, only total-loss-level damage from natural perils is covered; in the Maxicasco variant, both partial and total losses are covered.

Damage caused by third parties (vandalism) is covered under both Minicasco and Maxicasco in the scope of the general AC perils. In Maxicasco, both partial and total damage from vandalism is covered. In Minicasco, only total-loss-level vandalism damage is covered. Intentional acts by the insured or household members are excluded.

Roadside assistance is available as a separately priced optional add-on ("Bezpieczny Pojazd Assistance") in three tiers: Podstawowy (5,000 PLN), Standard (15,000 PLN), and Komfort (15,000 PLN). Covers fuel delivery, towing (not exceeding 200 km for AC-linked contracts), on-site repair, replacement vehicle (up to 2 days), and 24/7 telephone assistance. The assistance OWU was approved by resolution 151/2018.

A replacement vehicle is provided as part of the optional Assistance add-on. It is available for up to 2 days when the insured vehicle's repair cannot be completed within 12 hours of the vehicle's arrival at the workshop, or in the event of theft. The exact daily rental limit (150 PLN gross/day for reimbursement if self-arranged) applies when the Assistance contract is co-terminus with the AC contract.