UNIQA Casco (own-damage car insurance) (Auto Casco)

Covers loss, destruction or damage to the insured vehicle and its standard equipment caused by sudden and unforeseen events. In the limited scope (żywioły i kradzież) covers natural perils and theft; in the full scope (all risk) covers all sudden and unforeseen events including acts of third parties and animals. Compensation is capped at the insured sum (market value of the vehicle). A minimum threshold of PLN 400 (franszyza integralna) applies – damages below this amount are not compensated. Total loss is declared when repair costs exceed 70% of the vehicle's market value at the time of loss.

Total loss is declared when the vehicle is lost or damaged to such an extent that restoration of full functionality and safe use is technically impossible, or when the repair cost (gross, including VAT) exceeds 70% of the vehicle's market value at the date of loss. Compensation equals the vehicle's value at the date of assessment minus the market value of salvage, but not exceeding the insured sum. With the Guaranteed Sum Insurance (GSU) option, compensation for total loss or theft corresponds to the guaranteed insured sum at policy inception.

Partial loss is vehicle damage that does not qualify as a total loss (repair cost does not exceed 70% of vehicle market value). Settlement is made in the workshop variant (based on invoices for repair) or the cost-estimate variant (based on UNIQA's assessment using Audatex/Eurotax systems). Replacement parts are subject to depreciation based on vehicle age in the cost-estimate variant (unless depreciation waiver purchased). A deductible (udział własny) chosen by the policyholder at inception reduces the compensation amount.

Covers theft (kradzież), burglary and robbery (rabunek/rozbój) of the vehicle, its standard or additional equipment. Coverage is conditional on the vehicle being properly secured according to OWU requirements (anti-theft device requirements based on vehicle value). Theft coverage is excluded on the territory of Russia, Belarus and Ukraine unless additional premium is paid. For motorcycles, theft coverage requires payment of additional premium in all scopes. Compensation for theft equals the insured sum at the date of loss, less any deductible (udział własny).

Glass damage (windscreen, side and rear windows) is covered as part of the vehicle damage coverage. In the full scope (all risk), damage caused by third parties, vandalism or other sudden events is covered. In the limited scope (natural perils + theft), glass damage is covered only if caused by covered natural perils. No separate glass sublimit is defined in the OWU Auto Casco; compensation is subject to the general insured sum. Tyre damage alone (without simultaneous rim or other part damage) is excluded per §5(8), unless the optional AutoKoło extension is purchased.

Covers damage caused by: torrential rain (deszcz nawalny, intensity ≥4 per IMGW scale), hail (grad), hurricane (wiatr ≥17.5 m/s), avalanche (lawina), ground subsidence and landslide (osuwanie się i zapadanie ziemi), flood (powódź), fire (pożar), tornado (trąba powietrzna), earthquake (trzęsienie ziemi), lightning strike (uderzenie pioruna), vehicle submersion (zatopienie pojazdu), and other events not caused by third parties or animals. Included in both the limited and full (all-risk) scope.

Vandalism (deliberate damage by third parties) is covered exclusively in the full scope (all risk) as part of damage caused by acts of third parties. It is explicitly excluded from the limited scope (ograniczony), which covers only natural perils and theft. No separate sublimit applies; compensation is subject to the overall vehicle insured sum and the minimum damage threshold of PLN 400.

The Auto Casco policy itself reimburses certain vehicle-recovery costs after an insured event: securing the damaged vehicle until inspection, and transporting it to the policyholder's residence or a repair shop, up to PLN 1,000 gross (or, for losses abroad, up to 10% of the insured sum, max PLN 5,000 gross), with these and related costs capped overall at 10% of the insured sum. Full roadside assistance services (towing for breakdowns, replacement car, etc.) are a separate, standalone or add-on product (Ubezpieczenie Assistance) offered under the general motor insurance conditions (OWUK); Assistance MIDI is bundled in the OC+AC package sold online but is a separate policy from Auto Casco.

A replacement vehicle is not included in the UNIQA Auto Casco (OWU 3833) product. It is available as part of the separately purchased Assistance product (various tiers: MIDI, Standard, Standard Plus, Premium, Prestiż), which provides rental vehicle for up to 2–15 days depending on the variant and event type (accident, breakdown or theft).