Insurer profile
LINK4 Towarzystwo Ubezpieczeń Spółka Akcyjna
LINK4 Towarzystwo Ubezpieczeń Spółka Akcyjna · Poland
Overview
LINK4 is a leading Polish direct insurer founded in 2003 as the first company to sell motor insurance exclusively by phone and Internet. It is part of the PZU Group and offers motor, home, travel, and business insurance products. On 29 May 2026, the management boards of PZU SA and LINK4 signed a merger plan; legal merger is planned for Q1 2027, subject to KNF approval, with the LINK4 brand continuing independently.
Source19
Products in this market
3
Offer pages
Company details
- Parent group
- PZU Group (Powszechny Zakład Ubezpieczeń S.A.)
- Regulator
- Polish Financial Supervision Authority (Komisja Nadzoru Finansowego – KNF)
- Phone
- +48 22 444 44 44
- [email protected]
Products from LINK4 Towarzystwo Ubezpieczeń Spółka Akcyjna
Motor11
Motor Third Party Liability Insurance (OC)
Mandatory motor third-party liability insurance covering financial consequences of damage caused to third parties, available online from 401 PLN.
Comprehensive Motor Own Damage Insurance (Autocasco AC)
Voluntary comprehensive motor insurance covering damage to and theft of the insured vehicle, including baggage and child seats.
Smart Casco (Mini Autocasco)
A partial motor own-damage policy available in 5 variants covering selected risks such as natural forces, total loss, or theft, at a lower premium than full Autocasco.
Motor Personal Accident Insurance (NNW)
Personal accident insurance for the driver and passengers covering bodily injury or death resulting from a road accident.
Auto Assistance
Roadside assistance insurance available in Standard, Plus, and Komfort variants, covering breakdown, towing, vehicle replacement, and travel assistance across Poland and Europe.
Windscreen Insurance (Szyby 24)
Insurance covering repair or replacement of damaged windscreens and glass caused by accidents, third parties, or natural forces.
Key Insurance (Kluczyki Plus)
Insurance covering the cost of replacement keys, a new registration document, or new licence plates in case of loss or theft.
Discount Protection (Ochrona zniżek)
Add-on that prevents a premium surcharge after the first claim under AC or OC during the policy period.
Return to Health Insurance (Wracaj do Zdrowia)
Medical insurance for the insured and passengers providing access to specialist doctors, rehabilitation, and diagnostic tests following an accident involving their vehicle.
Fleet Insurance – Motor Third Party Liability (OC dla flot)
Motor third-party liability insurance for company fleets of up to 20 vehicles, with optional Autocasco, NNW, and Auto Assistance add-ons.
Business Car Insurance – Small Fleet OC+AC
Combined OC and full AC package for business vehicles in a mini-fleet of up to 20 cars, with zero theft deductible and no depreciation of parts.
Property3
Home and Apartment Insurance (DOM)
Comprehensive home and apartment insurance covering the building structure, permanent interior elements, movable property, and optional extensions including theft, vandalism, and home assistance.
All-Risks Home Insurance (Mieszkanie wszystkie ryzyka)
Premium all-risks home insurance covering all perils not explicitly excluded, including legal protection and personal liability in private life.
Business Property Insurance (Ubezpieczenie mienia firmowego)
Commercial property insurance for small and medium-sized enterprises covering assets against fire, all risks, burglary, robbery, and electronic equipment damage.
Liability2
Personal Liability Insurance (OC w życiu prywatnym)
Personal liability insurance covering financial consequences of accidental damage caused to third parties by the policyholder, household members, children, or pets.
Business Liability Insurance (OC dla firm)
Professional and business liability insurance for a range of industries and regulated professions, covering third-party claims arising from business operations and assets.
Travel3
Travel Insurance – Europe and World (Ubezpieczenie turystyczne Europa i Świat)
International travel insurance covering medical costs abroad, medical assistance, personal accident, baggage, and trip cancellation, available in flexible coverage variants for European or worldwide trips.
Domestic Travel Insurance (Ubezpieczenie turystyczne – Polska)
Travel insurance for trips within Poland covering medical costs, personal accident, and optional winter sports or high-risk sports extensions.
Trip Cancellation / Interruption Cover
Optional add-on to the travel insurance policy covering costs arising from trip cancellation or interruption due to insured events.
Regulatory updates
As of June 2026, the KNF initiated supervisory proceedings against LINK4 regarding the adequacy of premiums relative to risk (similar to earlier actions against Compensa, Agro and TUZ). Separately, the KNF must approve the planned legal merger of PZU SA and LINK4 before it can be completed, which is targeted for Q1 2027. The KNF also approved the appointment of Robert Tomaszewski as president of LINK4.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from LINK4 for the Poland market, with online purchase and 24/7 assistance.
Last verified Aug 18, 2026
Motor third-party liability
motor third-party liability insurance from LINK4 for the Poland market, with online purchase and 24/7 assistance.
Last verified Aug 18, 2026
Travel insurance
travel insurance from LINK4 for the Poland market, with online purchase and 24/7 assistance.
Last verified Aug 18, 2026