UNIQA

driver_age_experience_limit

No additional excess or exclusion is applied for young or inexperienced drivers. Coverage is the same for all drivers authorised to operate the vehicle. The OWU does not impose minimum driver age or minimum years of experience as a coverage condition. However, premium calculation takes into account the age of the owner/co-owner/user of the vehicle (§11 ust. 1 pkt 10).

repair_network_requirements

UNIQA offers multiple repair settlement options: (1) Workshop variant (Serwis ASO) – repair at an authorised service station (ASO) of the vehicle brand; compensation based on official parts prices and ASO labour rates. (2) Workshop Plus (Warsztat Plus) – repair at any workshop; parts priced at original manufacturer prices, labour at non-authorised workshop rates. (3) Workshop (Warsztat) – alternative quality parts; non-ASO labour rates. (4) Estimate without depreciation (Kosztorys bez amortyzacji) – cost estimate using alternative parts, no depreciation applied. (5) Estimate with depreciation (Kosztorys z amortyzacją) – same but with depreciation applied. Selection of variant affects premium and compensation calculation.

territorial_scope

Coverage applies to the territory of Europe and other European countries (Russia and Turkey in their European parts) and to Morocco, Israel, and Tunisia. If not otherwise agreed and no additional premium is paid, losses due to fire, explosion, thermal or chemical action, vehicle theft, robbery, and theft of standard or additional equipment are excluded for the territories of Russia, Belarus, and Ukraine. Vehicle theft is excluded for Russia, Belarus, Ukraine, and Moldova unless specifically agreed.

anti_theft_requirements

UNIQA bears liability for theft risk only if the vehicle was properly secured. For passenger cars: vehicles valued PLN 10,000–80,000 require one active anti-theft device; PLN 80,001–250,000 require two; above PLN 250,000 require three (one of which must be a mechanical gearbox lock or active GPS tracking system). For vehicles above PLN 250,000, two devices suffice if one is an active GPS system. Commercial vehicles up to 3.5t and motorcycles require at least one active device. Anti-theft devices must be factory-installed or installed by an authorised service station with the manufacturer's licence.

claim_notification_deadline

The policyholder must report claims immediately: no later than 7 business days from the date of loss or knowledge of the loss (for damage on Polish territory) by calling UNIQA Contact Center (+48 22 599 95 22) or via uniqa.pl, post, or fax. For theft, the vehicle's registration certificate, vehicle card, and all key sets must be submitted within 7 business days of learning of the theft. Police must be notified no later than 12 hours after learning of theft/robbery. Failure to meet obligations may result in partial or full denial of compensation if it affected the determination of UNIQA's liability or the size of the loss.

deductible_rules

An integral deductible (franszyza integralna) of PLN 400 applies by default – UNIQA bears no liability for losses whose value does not exceed PLN 400. The policyholder may also select an optional deductible (udział własny) reducing the premium: for damage/destruction: PLN 0, 500, 1,000, or 2,000; for theft: 0% or 10%. The chosen deductible applies separately to each loss event. Introducing a deductible reduces the premium. The PLN 400 integral deductible does not apply to losses from optional extensions (child seat, locks/keys, AutoKoło tyres).

Repair Network and Settlement Method

UNIQA offers multiple repair settlement options for AC: ASO (Authorized Service Stations), partner workshop network, or free choice workshop with cost estimation

Guaranteed Insurance Sum (Gwarantowana Suma Ubezpieczenia - GSU+)

Optional enhancement where total loss or theft compensation is based on vehicle value on date of loss, not exceeding 110% of policy value

Territorial Coverage Options

Coverage available for Poland only or Poland + European countries. Special exclusions apply in Russia, Belarus, Ukraine for certain perils unless additional premium is paid.

Deductible (Udział Własny)

Customer can select deductible amount (redukcyjna/integral) to reduce premium. Typical amounts range from percentage-based (10-25%) to fixed amounts.

Parts Depreciation (Amortyzacja Części)

Optional reduction of compensation based on wear and tear of replaced parts. Selecting this option reduces premium.

Vehicle Age and Technical Conditions

Comprehensive AC available for vehicles up to 15 years old. Valid technical inspection required at time of application. Vehicles without valid inspection or with unsafe conditions excluded.

Authorized Service Network Restrictions

When selecting ASO (Authorized Service Station) option, vehicle repair must be performed at UNIQA's authorized partner network. Original parts required.

Insurance Sum Renewal (Renewable vs. Reducing Sum)

Standard Comprehensive AC includes renewable sum - after partial loss claim, sum returns to original amount. With reducing sum option, sum is reduced by claim amount.

Policy Period and Renewal Conditions

Standard policy period is 12 months. Policy begins following day after premium payment. Can be renewed in same variant or different variant.

Claim Reporting Obligations

Policyholder must report claims to UNIQA within specific timeframe (typically same day for total loss, within 14 days for other claims). Police notification required for theft and accidents.