Warta Casco (own-damage car insurance) (Autocasco)

All-risks coverage formula — both Standard and Komfort tiers cover every peril not explicitly excluded, providing broader protection than named-peril policies.

Autocasco Komfort guarantees a fixed sum insured (GSU) throughout the policy, with optional 3-year lock at invoice value for brand-new cars — compensation never reduced by depreciation.

Komfort tier includes free repairs using original manufacturer parts in Authorised Service Stations (ASO), with zero deductibles and zero own-contributions regardless of driver profile.

Wide territorial coverage across Europe including Russia and Turkey (European parts), Morocco, Tunisia and Israel — broader than most Polish market competitors.

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 both Autocasco Standard and Autocasco Komfort, the insured may have the vehicle repaired at a recommended workshop (Authorised Service Station (ASO) or independent) or elsewhere; labour is reimbursed at the rate for the category of workshop performing the repair, or at the contracted rate if repaired at a recommended workshop. In Komfort, parts are priced as original 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.

Section: Szkoda częściowa > §14

a) W przypadku gdy naprawa pojazdu nastąpiła w innym warsztacie niż warsztat rekomendowany, stosuje się stawkę za 1 roboczogodzinę na poziomie średniej arytmetycznej stawek stosowanych przez warsztaty rekomendowane ASO albo warsztaty rekomendowane nie ASO, odpowiednio do kategorii warsztatu wykonującego naprawę

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.

Direct payment

Cashless repair settlement available through WARTA's network of recommended workshops (ASO and independent). In both Komfort and Standard tiers, repairs can be carried out at a recommended workshop (ASO or independent) or elsewhere, with labour reimbursed at the rate for the category of workshop performing the repair; Komfort prices parts as original with no depreciation deduction. Payment made directly to the workshop based on VAT invoices agreed with WARTA in advance. Alternatively, indemnity can be settled by cost estimate without invoices.