Pocztowe Towarzystwo Ubezpieczen Wzajemnych (now operating as AGRO Ubezpieczenia - Towarzystwo Ubezpieczen Wzajemnych)
Ubezpieczenia Pocztowe
Ubezpieczenia Pocztowe is a motor casco insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
The insurer does not provide direct payment to repair shops by default; the standard settlement method is cost estimate (kosztorys). In the Maxicasco variant, the insured may choose the workshop settlement method (wariant serwisowy). Claims are paid to the vehicle owner or their authorized representative.
Geographic scope
Poland and Europe
Coverage applies in Poland and within the geographical boundaries of Europe. Theft claims are excluded in Belarus, Moldova, Russia, Ukraine, and Turkey. Maxicasco additionally covers Algeria, Morocco, Tunisia, and Israel.
Unique selling points
- Two selectable AC coverage tiers – Minicasco (total loss and theft only) and Maxicasco (full partial and total loss) – within a single product package, allowing cost-appropriate cover for every vehicle age and value.
- Broad territorial coverage extending beyond Poland to all European countries, plus Algeria, Morocco, Tunisia, and Israel in the Maxicasco variant, with no additional premium for standard European travel.
- Integrated optional modules (glass protection, NNW up to 20,000 PLN, assistance up to 15,000 PLN, no-claims discount protection) purchasable within a single Bezpieczny Pojazd package through Bank Pocztowy branches and online.
- Flexible premium payment: lump-sum or instalment options (two or four instalments), with no administrative surcharge stated for the instalment plan.
- Distributed nationwide through Post Office branches and Bank Pocztowy network, providing convenient access in locations where online-only insurers have no physical presence.
Coverage limits
Own damage (collision and external forces)
Covered
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.
Total loss
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
Covered
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 and robbery
Covered
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.
Glass damage (windscreen insurance)
Optional
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.
Natural perils (weather and natural forces)
Covered
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.
Vandalism (third-party malicious damage)
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
Optional
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.
Replacement vehicle
Optional
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.
Driver and passenger accident insurance (NNW)
Optional
Optional accidental death and disability cover for the driver and passengers. Sum insured chosen by the policyholder: 5,000 PLN, 10,000 PLN, or 20,000 PLN per person. Benefits: 100% of sum on death, 1% of sum per 1% permanent disability, up to 10% of sum for orthopaedic aids, up to 10% of sum for medical costs. This is a separately priced add-on within the Bezpieczny Pojazd package.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience requirement is stated in the Karta Produktu for the AC product. General underwriting criteria (age, driving licence history) are taken into account when calculating the premium.
Repair network requirements
In the Maxicasco variant with workshop settlement (wariant serwisowy), the repair may be carried out in any workshop. The cost estimate method (wariant kosztorysowy) is available in both Minicasco and Maxicasco. In Minicasco, only the cost estimate method is available. Repair settlement uses comparable-quality or original parts and the workshop's hourly rate.
Territorial scope
Coverage applies in Poland and within the geographical boundaries of Europe. Theft losses are excluded on the territory of Belarus, Moldova, Russia, Ukraine, and Turkey. Maxicasco additionally covers Algeria, Morocco, Tunisia, and Israel. Glass insurance (Szyby w pojeździe) covers losses only on the territory of Poland.
Anti-theft requirements
For theft coverage to apply, the vehicle must be equipped with at least one approved anti-theft device (for vehicles with market value up to 100,000 PLN) or two devices (for vehicles above 100,000 PLN). Devices must be correctly armed at the time of loss and keys/documents must be secured outside the vehicle. Theft cover may be denied if anti-theft conditions were violated due to the insured's intentional act or gross negligence.
Claim notification deadline
The insured must notify the insurer of the loss without undue delay. In the event of theft or any loss that may have arisen from a criminal act, notification to the local police must occur immediately (within 24 hours of becoming aware of the event). A formal claim form must be submitted as directed by the insurer. Claims are settled within 30 days of notification; if circumstances cannot be clarified within 30 days, within 14 days of the date on which clarification became possible.
Deductible rules
Losses with a value below 500 PLN (gross) are not covered (franchise integrale). No general percentage deductible is stated for AC base coverage in the Karta Produktu. A compulsory deductible of 1,000 PLN (gross) applies to losses arising in Belarus, Moldova, Russia, and Ukraine (confirmed in OWU MTU co-insurance document). The insured sum is reduced by each paid indemnity (sum consumption).
Where to buy
Policy specifics
Total loss coverage
Minicasco covers only total loss events, while Maxicasco covers both partial and total loss
Partial damage coverage
Maxicasco includes coverage for partial vehicle damage, excluded in Minicasco
Theft coverage
Both Minicasco and Maxicasco cover vehicle theft and loss
Natural disasters coverage
Coverage for damage caused by weather events and natural forces
Minimum vehicle value
Minicasco requires a minimum vehicle market value
Vehicle age limit
Maximum vehicle age for coverage eligibility
Territorial coverage
Geographic scope of insurance protection
Damage settlement method
Method for calculating and paying compensation for damages
Minimum damage threshold (franchise integrale)
Losses whose value does not exceed 500 PLN gross are not covered by the AC insurance. This threshold applies to the Autocasco coverage module.