Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A.

Driver age and experience limit

The policy applies a concept of 'person with increased insurance risk' (osoba o zwiększonym ryzyku ubezpieczeniowym) – any driver other than the vehicle Owner or User who meets WARTA's criteria regarding age and/or period of holding a driving licence as specified in the insurance application. In Autocasco Standard, a 10% own-contribution (deductible) applies to claims where such a person was driving at the time of the event, unless this deductible has been waived by additional premium under §8 ACS. In Autocasco Komfort, no deductible applies regardless of driver age or experience.

Repair network requirements

Repairs must be carried out in Poland unless WARTA or its foreign representative consents to repairs abroad, or the cost does not exceed EUR 1,500 (in which case essential repairs for safe continuation of travel may proceed without prior consent). In Autocasco Standard, the insured may choose between WARTA's recommended Authorised Service Stations (ASO) or independent recommended workshops. In Autocasco Komfort, repairs are covered at ASO rates using original manufacturer parts without depreciation deductions. If repairs are performed outside the recommended network, specific conditions apply regarding cost estimate approval, use of new original parts, and post-repair inspection.

Territorial scope

Coverage applies in Poland and all other European countries (Russia and Turkey in their European parts only), as well as Morocco, Tunisia and Israel. Claims arising in Georgia are explicitly excluded from coverage. Repairs abroad exceeding EUR 1,500 require prior consent from WARTA or its foreign representative.

Anti-theft requirements

For theft losses to be covered, the vehicle must be secured by its factory anti-theft protection at the time of theft (this requirement does not apply to robbery). Claims are excluded if: (1) the vehicle was not secured in accordance with its construction (excluding robbery); (2) keys, cards or other opening/starting devices were left unattended in the vehicle or in a place accessible to unauthorised persons; (3) the perpetrator obtained keys or opening devices with the knowledge of the insured or authorised users. All anti-theft devices declared in the insurance application must be handed over to WARTA when filing a theft claim.

Claim notification deadline

For non-theft damage: the insured must notify WARTA no later than 7 days from the occurrence of the damage by contacting WARTA's Customer Service Centre (COK). For theft: police must be notified no later than 12 hours from becoming aware of the theft, and WARTA must be notified no later than the next business day from becoming aware of the theft. In case of damage abroad, no repairs (except essential safety repairs up to EUR 1,500) may be carried out without WARTA's prior consent.

Deductible rules

Autocasco Standard: a 10% own-contribution (deductible) applies to claims arising when the driver at the time of the event is a 'person with increased insurance risk' (as defined in the policy). This deductible can be waived for an additional premium under §8 ACS. Additionally, depreciation deductions are applied to replacement parts based on vehicle age (0% for vehicles up to 1 year old, up to 60% for vehicles over 10 years), unless the depreciation waiver option is purchased. For certain vehicle types/brands, WARTA may also introduce a theft deductible (specified in the policy document). Autocasco Komfort: no deductibles, no depreciation deductions, and no own-contributions apply under any circumstances.

Assistance services

Roadside assistance including towing, on-site repairs, and other emergency support services

Broken glass repair

Organization of repair or replacement of damaged vehicle glass with cash-free service network

Vehicle equipment coverage

Coverage of vehicle equipment installed at the time of policy inception

Guaranteed sum of insurance option

Optional feature maintaining constant insurance sum equal to contract inception value regardless of vehicle depreciation or claims

Baggage protection

Coverage for damage or loss of baggage transported in the insured vehicle

Anti-theft device requirement

Vehicle must be equipped with functioning anti-theft security system to be covered for theft losses

Polish vehicle registration

Vehicle must be registered in Poland; coverage does not apply to vehicles registered abroad

Repair network selection

AC Standard allows choice between repairs in Authorized Service Stations (ASO) or independent repair networks; AC Komfort covers repairs only in ASO

Depreciation (wear and tear) treatment

AC Standard may apply depreciation deductions to repair costs based on component wear; AC Komfort does not apply depreciation deductions

All Risks coverage formula

Both AC Standard and AC Komfort operate under 'All Risks' formula covering all events not explicitly excluded in the policy

Motorcycle theft exclusion

Motorcycles and motor scooters are not covered for theft losses under AC insurance

Standard policy term

AC policies are typically written for 12-month periods

Geographic coverage scope

Insurance covers claims on territory of Poland and other European countries (including European parts of Russia and Turkey), plus Morocco, Tunisia, and Israel

Moped theft exclusion

Mopeds (motorowery) are excluded from theft coverage under Autocasco Standard (§3 ust. 4 ACS C6203). Motorcycles (motocykle) are covered for theft under both Standard and Komfort tiers. Note: the 2022 version of Autocasco Standard (C6202) also excluded mopeds; the Komfort OWU (C6213) does not list a moped theft exclusion explicitly but does not cover mopeds under its scope as the product targets cars and motorcycles up to 6 years old.