You Can Drive Casco (own-damage car insurance) (Ac Maxi)

AC Maxi (AC Uszkodzenie i Kradzież in the current OWU I-KDir-YCD-01/25) covers loss, destruction or damage to the vehicle resulting from: collision with other vehicles; sudden contact with persons, animals or objects; vandalism; collision of sports equipment carried on an external rack with outside objects; fire, explosion, flooding and sudden forces of nature; sudden thermal or chemical action from outside; theft. Both partial damage (szkoda częściowa) and total loss (szkoda całkowita) are covered. The sum insured equals the vehicle market value (Eurotax) at policy inception and adjusts with market value changes during the policy year. Available in three settlement variants: Kosztorys (cost estimate, alternative parts, labour rate PLN 65/h), Sieć Partnerska (partner network, alternative parts, max PLN 110/h) and ASO (authorised dealer, original parts, average local ASO rate). Minimum claimable damage is PLN 500 gross.

Total loss (szkoda całkowita) is declared when repair costs exceed 70% of the vehicle's market value on the date of loss (calculated using alternative parts prices and PLN 65/h in the Kosztorys variant, PLN 110/h in Sieć Partnerska, or original-parts/ASO rate in ASO variant). Theft of the entire vehicle is also treated as total loss. Compensation equals the vehicle market value on the date of loss, not exceeding the sum insured, reduced by the value of salvage remains. After total loss payment, ownership of the vehicle must be transferred to ERGO Hestia.

Partial damage (szkoda częściowa) is covered under AC Maxi (AC Uszkodzenie i Kradzież), which is the key distinguishing feature compared to AC Mini (which covers only total loss above the 70% threshold). Settlement is by the cost-estimate method (Kosztorys: PLN 65/h, alternative parts) or service method (Sieć Partnerska: max PLN 110/h, alternative parts; ASO: authorised-dealer rate, original parts). ERGO Hestia assesses the scope of damage and determines indemnity accordingly. Pre-existing damage to parts being replaced reduces the payout proportionally.

Theft of the vehicle (including destruction or damage directly related to theft) is covered. At the time of theft the vehicle must have been secured as required by its construction; keys, opening/starting devices and vehicle documents must have been secured outside the vehicle. These exclusions do not apply if the vehicle was stolen by robbery (rabunek) or if the non-compliance had no causal link to the loss. Theft of vehicle parts resulting in partial damage is also covered under AC Maxi (but not AC Mini). Coverage excludes misappropriation (przywłaszczenie) by a third party. Compensation for total theft equals vehicle market value on date of loss (up to sum insured), net of salvage; ownership must be transferred to ERGO Hestia.

Separate optional Ubezpieczenie Szyb cover with a sum insured of PLN 5,000 and a PLN 50 excess applicable to windscreen replacement. Covers the front, rear and side windows of the insured vehicle against: collision, sudden contact with persons/animals/objects, vandalism, sports equipment collision, fire/explosion/flooding/forces of nature, sudden external thermal or chemical action. Repairs use alternative parts; original parts used only if alternatives unavailable. Territorial scope: Europe. Excludes panoramic roofs, sunroofs, mirror glass, reflectors, anti-intrusion and tinting films, decorative trims, and windows with pre-existing unrepaired damage.

Included within the AC Maxi base perils: fire, explosion, flooding (zatopienie), hurricane, hail, lightning strike, avalanche, flood, earthquake and ground subsidence not caused by human activity; and sudden thermal or chemical action from outside the vehicle. These perils are listed in §4 of the OWU as causes covered by AC Uszkodzenie i Kradzież across all settlement variants. Note: submersion of liquid into the running engine (zassanie cieczy przez pracujący silnik) is explicitly excluded.

Intentional destruction or damage of the insured vehicle by third parties (wandalizm as defined in the OWU glossary) is covered under all settlement variants of AC Maxi (AC Uszkodzenie i Kradzież). It is explicitly listed as a covered cause of loss in the coverage table at §4. Vandalism damage must be reported to the police (§21 obliges the policyholder to notify police of any event that may have resulted from a crime or offence).

A replacement vehicle is provided only under the Assistance po Wypadku i Awarii za Granicą variant, for up to 5 days after an accident or theft. The replacement vehicle segment corresponds to the insured vehicle (segment A/B → segment B; segment C → segment C; above segment D → segment D). Costs for fuel, insurance and the rental deposit/excess are at the policyholder's expense. A credit card or other security may be required by the rental company. Not available in the basic (Assistance po Wypadku) or domestic (Assistance po Wypadku i Awarii w Polsce) variants.