Warta

driver_age_experience_limit

Autocasco Komfort is targeted at vehicle owners aged 30+ or legal entities. Drivers under 25 years of age or with a licence held less than 3 years are classified as increased-risk persons; in Autocasco Standard a 10% own-contribution applies to their claims but in Autocasco Komfort there are no deductibles for any driver. The OWU defines 'increased-risk persons' as those other than the vehicle owner/user who meet the age and licence criteria set by Warta at underwriting.

repair_network_requirements

Vehicle repairs should be carried out in Poland unless Warta or its foreign representative approves repair abroad. For partial losses Warta pays based on invoice from any workshop; ASO (authorised service station) labour rates apply for calculating compensation. For total losses converted to repair, repairs must be done at a Warta-recommended workshop (including ASO) or at a non-network workshop with Warta approval. Abroad, repairs without prior consent are reimbursable only up to EUR 1,500 equivalent.

territorial_scope

Coverage applies in Poland and all other European countries (Russia and Turkey in their European parts), as well as Morocco, Tunisia and Israel. Losses occurring in Georgia are explicitly excluded from the insurance agreement.

anti_theft_requirements

Warta will not pay theft claims where the vehicle was not secured against theft as required by its design at the time of theft (excluding robbery). A claim is also excluded if keys, cards or other devices used to open or start the vehicle were left unattended in the vehicle or in a place accessible to unauthorised persons, or if the perpetrator obtained them with the knowledge of the insured or authorised users.

claim_notification_deadline

For non-theft damage: notify Warta no later than 7 days after the loss. For vehicle theft: notify Warta no later than the next business day after learning of the theft, and notify the police within 12 hours of learning of the theft. Failure to comply may result in claim reduction or denial if it prevented Warta from establishing circumstances and extent of loss.

deductible_rules

Autocasco Komfort contains no deductibles (franchise integralna) or voluntary excess (udział własny) for any driver. 100% of the assessed claim value is paid. This distinguishes Komfort from the Standard variant, where optional deductibles can be configured to lower the premium.

Guaranteed Sum of Insurance

In Autocasco Komfort, the sum of insurance is non-reducing and remains constant throughout the policy period, even after claims payout

Baggage coverage

Autocasco Komfort includes coverage for portable luggage and electronic equipment transported in the vehicle at the time of the insured event

Authorized Service Station (ASO) repair coverage

Autocasco Komfort covers repair costs at authorized manufacturer service stations without depreciation deductions and using original parts

All Risks Coverage Formula

Both Komfort and Standard variants provide all-risks coverage (All Risks), meaning they cover all events not explicitly excluded in the policy terms

Vehicle age limit

Autocasco Komfort is available only for vehicles not older than 6 years from date of contract conclusion

No deductibles or voluntary excess

Autocasco Komfort includes full indemnity without deductibles or voluntary excess—policyholders receive 100% of assessed claim value

Anti-theft device requirement

Both Autocasco variants require the vehicle to be equipped with functional anti-theft protection in accordance with its design

Claim reporting deadline

For standard damage claims, notification must be made within 7 days; for theft, notification to Warta is required by the next business day and to police within 12 hours