TUZ Ubezpieczenia Insurance and Reinsurance Company Joint-Stock Company
TUZ Ubezpieczenia
TUZ Ubezpieczenia is a motor casco insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
In the 'estimate' (kosztorys) variant, compensation is paid directly to the policyholder's bank account based on an expert estimate, giving full freedom to choose a repair workshop. In the 'service' (serwis) variant, TUZ pays directly to the authorized service (ASO) based on invoices. In the 'repair network' (sieć naprawcza) variant, repair is organized and paid directly within TUZ's partner workshop network.
Geographic scope
Poland and all of Europe including Georgia
Coverage applies in Poland and across all European countries including Georgia. Theft is not covered in Russia, Belarus, Ukraine, Moldova, and Albania unless an additional premium is paid.
Unique selling points
- All-risks coverage for vehicles up to 20 years old — significantly broader than the market standard of 15 years, with no vehicle age restriction for authorized service center repairs.
- Damages caused by the insured's gross negligence are fully covered — a standout feature not typically offered by competing standard autocasco products.
- Zero deductibles, no integral franchise, no depreciation deductions, and no reduction of the insured sum after partial losses — full compensation from 1 PLN with no hidden deductions.
- Baggage protection up to 5,000 PLN included as standard for only 1 PLN, covering bicycles, ski equipment, child seats, roof boxes, and prams.
- Awarded the prestigious 'Teraz Polska' quality emblem — the only insurer with two flagship products (home and motor) simultaneously recognized by this national quality award.
Coverage limits
Own damage (all risks)
Covered
All sudden and unforeseen events causing damage to or destruction of the insured vehicle are covered (all risks basis), subject to exclusions in the OWU. The insured sum equals the market value of the vehicle at the date of policy inception, as agreed between TUZ and the policyholder using expert valuation systems. No deductibles, no integral franchise, no depreciation deductions, and no reduction of the insured sum after partial losses apply.
Total loss
Covered
Total loss (szkoda całkowita) is covered under the all-risks scope. Coverage ceases on the day compensation for total loss or vehicle loss is paid. The insured sum corresponds to the vehicle's market value at policy inception. An optional 'guaranteed insured sum' (gwarantowana suma ubezpieczenia) add-on is available for vehicles up to 6 years old purchased from dealer networks, protecting against market-value reduction in the event of a total loss.
Partial loss
Covered
Partial damage to the vehicle, its parts, and standard equipment is covered under the all-risks scope without depreciation deductions or reduction of the insured sum after a claim. Compensation is settled according to the chosen variant (estimate, authorized service, or repair network). The policy also covers damages caused by gross negligence of the insured.
Theft and robbery
Covered
Theft and robbery of the vehicle, its parts, or equipment is included in the standard all-risks scope across all of Europe. However, theft is not covered on the territories of Russia, Belarus, Ukraine, Moldova, and Albania unless an additional premium has been paid. Coverage in Ukraine, Belarus, Russia, and Moldova can be extended as an optional add-on.
Glass damage
Covered
Glass damage is included within the AC All Risks base policy. A separate optional 'Autoszyby' (Auto Glass) add-on policy is also available (up to 5,000 PLN), which allows glass claims to be settled without affecting the AC claims history or no-claims discount.
Natural perils
Covered
Natural perils including flood, heavy rain, hail, hurricane, ground subsidence or landslide, fire, snowfall, lightning strike, flooding, and sudden external thermal or chemical impact are covered under the all-risks scope.
Vandalism
Covered
Vandalism is covered under the all-risks scope as a sudden and unforeseen event not caused intentionally by the insured. Intentional damage caused by the policyholder is explicitly excluded.
Roadside assistance
Optional
Roadside assistance is a separate optional product (Auto Assistance), available in four variants: Podstawowy (basic, towing up to 100 km), Standard (unlimited towing in Poland, up to 500 km in Europe, replacement vehicle), Comfort (enhanced limits, sum up to 20,000 PLN per event), and VIP (unlimited towing in Poland and Europe, replacement vehicle, driver assistance, child care). This is not included in the AC All Risks base policy.
Replacement vehicle
Conditional
A replacement vehicle for the duration of repairs is included as a standard benefit only in the 'sieć naprawcza' (repair network) variant, which also provides a door-to-door service. It is not automatically included in the 'kosztorys' or 'serwis' variants of the AC policy. A replacement vehicle is also available as part of the optional Auto Assistance Standard, Comfort, and VIP add-ons.
Driver accident (NNW)
Optional
Personal accident cover for the driver and passengers (NNW - Następstwa Nieszczęśliwych Wypadków) is a separate optional product, not included in the AC All Risks base policy. It is available as an add-on and can be purchased together with AC. It provides a lump-sum benefit in the event of permanent disability or death due to an accident.
Key conditions
Driver age and experience limit
No age restrictions are stated for drivers in the AC All Risks OWU or IPID. The 'serwis' (authorized service) variant is available without vehicle age limits. Coverage is available for vehicles up to 20 years old.
Repair network requirements
Three repair settlement variants are available: (1) Kosztorys – cash payment to policyholder based on TUZ expert estimate, free choice of workshop; (2) Serwis – repair costs paid by TUZ directly to an authorized service center (ASO) based on invoices, with no vehicle age limit; (3) Sieć naprawcza – repair organized and performed at a TUZ partner workshop with a door-to-door service and replacement vehicle provided for the duration of repair.
Territorial scope
Coverage applies in Poland and all European countries including Georgia. Theft is not covered in Russia, Belarus, Ukraine, Moldova, and Albania unless an additional premium is paid. Extended theft coverage for these territories can be purchased as an optional add-on.
Anti-theft requirements
The OWU and IPID do not state specific mandatory anti-theft device requirements for the AC All Risks policy. Loss of vehicle keys, remote controls, or factory-installed opening devices must be reported to TUZ promptly.
Claim notification deadline
The policyholder must notify TUZ of any damage as soon as possible, but no later than 7 days from the insured event or from learning of the damage. Notification can be made by phone at (22) 327 60 60 or through www.tuz.pl. For theft, the police must also be notified immediately.
Deductible rules
No deductibles (udziały własne) apply — TUZ is liable from 1 PLN. No integral franchise (franszyza integralna) applies — even the smallest damages are covered. No depreciation deductions are applied when calculating repair costs. The insured sum is not reduced after partial loss settlements.
Policy specifics
Coverage territory - Europe including Georgia
AC All Risks provides coverage on the territory of entire Europe, including Georgia as standard
Baggage coverage included
AC All Risks includes baggage coverage as standard at 1 PLN (promotional), with sports equipment protection up to 3000 PLN
Coverage for gross negligence
AC All Risks covers damages even if caused by gross negligence of the insured
No deductibles (zero deductible)
AC All Risks includes liability from one zloty, meaning no deductibles apply
No depreciation deductions
AC All Risks does not apply depreciation deductions when calculating repair costs
Three settlement variants
AC All Risks offers three repair settlement options: estimate-based, service center (ASO) without age limits, or repair network with door-to-door replacement vehicle
Vehicle inspection requirement
Policyholder must provide photographic documentation of the insured vehicle within 3 days of policy issuance, unless exempted (new vehicles from dealerships or policy renewal)
Claims notification deadline
Policyholder must notify TUZ within 7 days of the insured event or upon learning of the damage
Additional coverage options
AC All Risks allows optional add-ons: windshield insurance (up to 5000 PLN), loss protection (prevents claim affecting renewal premium), and fixed sum guarantee (for vehicles up to 6 years old purchased from dealers)
Standard policy term
AC All Risks is issued on a 12-month period
Sources
- https://mubi.pl/dokumenty/owu-tuz-od-18.06.2024.pdf
- https://tuz.pl/ekspert-radzi/a-po-co-mi-ubezpieczenie-ac-all-risks-a-bo-jest-swietne/
- https://tuz.pl/ekspert-radzi/nowa-polisa-ac-all-risks-pozwala-pokryc-szkody-nawet-w-wyniku-razacego-niedbalstwa/
- https://tuz.pl/ubezpieczenie-samochodu/ubezpieczenie-ac/
- https://tuz.pl/ubezpieczenie-samochodu/ubezpieczenie-auto-assistance/
- https://tuz.pl/ubezpieczenie-samochodu/ubezpieczenie-nnw-kierowcy-i-pasazerow/