UNIQA Towarzystwo Ubezpieczen S.A.

Driver age and experience limit

The OWU Auto Casco does not specify a minimum driver age or experience requirement as a condition of coverage. However, age of the vehicle owner/co-owner/user is a factor in premium calculation (§11 OWU AC). Standard exclusions apply regardless of driver age: coverage is excluded when the driver is under the influence of alcohol or drugs, or lacks valid driving license.

Repair network requirements

No mandatory repair network requirement is imposed; policyholders may choose any repair workshop. However, the settlement method affects the compensation level: the cost-estimate (kosztorysowy) variant uses non-authorised workshop rates (PLN 90/hour) and alternative parts, while the workshop (warsztatowy) variant is based on actual invoices. In the cost-estimate variant, original parts prices are reduced by a depreciation factor based on vehicle age (30%–60% reduction). The insurer may verify invoices and has the right to inspect the vehicle during or after repair.

Territorial scope

Coverage applies on the territory of Europe and other European countries (Russia and Turkey in their European parts) and on the territory of Morocco, Israel and Tunisia. Theft, fire, explosion, thermal/chemical damage, robbery and theft of equipment are excluded on the territory of Russia, Belarus and Ukraine unless an additional premium is paid. No coverage for theft on the territory of Moldova (not explicitly extendable per OWU AC §3 para. 14).

Anti-theft requirements

A passenger vehicle is considered properly secured if it is equipped with correctly functioning and active anti-theft device(s): one device for vehicles with gross value PLN 10,000–80,000; two devices for PLN 80,001–250,000; three devices (one of which must be a mechanical gearbox lock or active GPS tracking system) for vehicles above PLN 250,000 (or two devices if one is active GPS). Devices must be factory-installed or installed by an authorised service station with producer certification. For commercial vehicles up to 3.5t DMC and motorcycles: at least one active anti-theft device required. Theft coverage is voided if anti-theft requirements are not met at the time of theft.

Claim notification deadline

Damage occurring on the territory of Poland must be reported to UNIQA no later than 7 business days from the date of loss or receipt of information about the loss. In case of vehicle theft, all sets of keys, remote controls and anti-theft device controls must be submitted to UNIQA within 7 business days of learning of the theft. Police must be notified within 12 hours of learning of theft or robbery. Damage occurring abroad must also be reported within 7 business days.

Deductible rules

A deductible (udział własny) is set at policy inception by the policyholder and reduces the compensation amount for each claim. The deductible reduces the premium. Standard exclusion: damages below PLN 400 (franszyza integralna) are not compensated regardless of deductible choice. In the OWUK AC variant, deductible options are: PLN 0, 500, 1,000 or 2,000 for damage/destruction; 0% or 10% for theft. The deductible applies separately to each claim event during the policy period. Optional extensions (child seat, locks replacement, AutoKoło) are exempt from both the PLN 400 minimum threshold and parts depreciation.

Child seat coverage

Optional extension covering damage or loss of child safety seat in vehicle as a result of damage or theft

Locks replacement coverage

Optional coverage for damage to or replacement of vehicle locks if damaged during theft attempts or when keys are lost

Tire and rim coverage (AutoKoło)

Optional protection covering damage to vehicle tires and wheels/rims on first occurrence up to insurance sum limit

Guaranteed Sum Insurance (GSU) option

Vehicle valuation option that maintains unchanged insurance sum value throughout full 12-month policy period, ensuring stable compensation basis

No-claims bonus protection

Optional coverage protecting no-claims discounts in case of AC damage claim by verifying claims history in UFG database

Repair settlement variants

Policy offers multiple damage settlement methods: cost estimate settlement, authorized service repair, or workshop repair with choice at claim time

Parts depreciation (wear and tear)

Replacement parts are subject to depreciation coefficient reflecting vehicle age and usage, expressed as percentage reduction from replacement parts value

Deductible (own contribution/udzial własny)

Policyholder's contribution toward claim amount; customizable amount reducing insurer liability and premium cost

Additional equipment coverage

Optional coverage for non-standard vehicle equipment and special equipment, must be declared at purchase; available only through phone purchase

Bonus-Malus (Claims experience) system

No-claims discount system in AC: each reported claim moves policyholder up one tariff class per claim with specific rating rules

Claim reporting deadline

AC damage must be reported to insurer within maximum 7 days from date of occurrence