TUZ Ubezpieczenia Casco (own-damage car insurance) (Auto Casco All Risks)

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 (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 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 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 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 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 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 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.

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.