Insurer profile
Towarzystwo Ubezpieczeń Wzajemnych „TUW”
Towarzystwo Ubezpieczeń Wzajemnych „TUW” · Poland
Overview
Towarzystwo Ubezpieczen Wzajemnych TUW is the first mutual non-profit insurance society established in post-war Poland, operating since 1992. It specialises in property, motor, and agricultural insurance and serves individuals, businesses, farmers, and local government units, with over 2 million members and approximately 100 branch offices across the country.
Source37
Products in this market
3
Offer pages
Company details
- Regulator
- Polish Financial Supervision Authority (Komisja Nadzoru Finansowego, KNF)
- Phone
- +48 22 545 39 50
- [email protected]
Products from Towarzystwo Ubezpieczeń Wzajemnych „TUW”
Motor6
Motor Third-Party Liability Insurance (OC)
Mandatory motor third-party liability insurance for owners of motor vehicles covering damages caused to third parties.
Comprehensive Motor Insurance (Autocasco)
Voluntary comprehensive vehicle insurance covering damage, theft, and destruction of the insured vehicle including all-risk variants.
Personal Accident Insurance for Driver and Passengers (NNW)
Personal accident insurance providing compensation to the driver and all passengers in the event of a road accident.
Motor Roadside Assistance
Roadside assistance service for vehicle owners including towing, replacement vehicle, and technical help in case of breakdown.
Windscreen Insurance (AutoSzyby)
Voluntary insurance covering repair or replacement of damaged windscreens and other vehicle glass without losing no-claims discounts on AC.
Vehicle Insurance for Businesses
Motor insurance including OC, AC, Assistance, and NNW for business-owned vehicles.
Property14
Home and Apartment Insurance
Property insurance for houses and apartments covering buildings, movables, buildings under construction, micro-RES installations, and summer homes against fire, random events, and theft.
Home Assistance
Home assistance service providing professional help from specialists such as a locksmith, plumber, electrician and appliance repair technicians.
Property Insurance - Local Government Units
Property insurance for local government entities covering buildings, structures, and other assets against various risks.
Agricultural Farm Buildings Insurance (mandatory)
Mandatory insurance of agricultural farm buildings against fire and other random events as required by Polish law.
Agricultural Movables and Property Insurance
Insurance for movables and property within the agricultural farm against fire, theft, and other random events.
Agricultural Equipment and Machinery Insurance
Insurance for agricultural equipment and machinery against damage, loss, or destruction.
Crop Insurance (mandatory and voluntary)
Insurance for agricultural crops against weather-related and other random events, eligible for state premium subsidies of up to 65 percent.
Livestock Insurance
Insurance for farm animals against death or forced slaughter due to accident or disease.
Agribusiness Insurance Package (Bezpieczna Zagroda)
Comprehensive agricultural package for farmers covering buildings, equipment, and movables in a single policy.
Beekeeping Insurance
Insurance for beekeeping operations covering bee colonies and associated equipment.
Commercial Property Insurance for Businesses
Property insurance for businesses covering buildings, machinery, equipment, and inventory against a wide range of risks.
Business Package Insurance - Shop (Pakiet Sklep)
Combined insurance package for retail businesses covering buildings, equipment, inventory, glass, and civil liability under the Bezpieczny Biznes scheme.
Agritourism Insurance (OC Uslug Agroturystycznych)
Insurance package for agritourism farm operators covering property and civil liability from tourism activities.
Rural Womens Circles Insurance Package
Specialised insurance package for Rural Womens Circles organisations covering their activities and assets.
Health3
Personal Accident Insurance - Individuals (NNW)
Personal accident insurance for individuals providing a lump-sum compensation in case of accidental bodily injury or death.
Personal Accident Insurance - Local Government Units (NNW)
Personal accident insurance for employees and members of local government entities.
Personal Accident Insurance - Farmers (NNW)
Personal accident insurance for farmers covering bodily injury or death resulting from an accident.
Liability5
Personal Liability Insurance (OC in Private Life)
Civil liability insurance for individuals covering damage caused to third parties during private activities by the insured or members of their household.
Civil Liability Insurance - Local Government Units
Civil liability insurance for local government units covering claims by third parties arising from their activities.
Farmer Civil Liability Insurance (mandatory)
Mandatory civil liability insurance for farmers covering damages caused to third parties in connection with owning a farm.
Business Civil Liability Insurance (OC dzialalnosci gospodarczej)
Civil liability insurance for businesses covering damages caused to third parties in connection with business activities or owned property.
Professional Liability Insurance (OC Zawodowe)
Professional indemnity insurance for various occupational groups covering liability arising from professional activities.
Travel3
Travel Insurance - Medical Costs and Assistance
Travel insurance covering medical costs, 24-hour assistance, language support, and a 48-hour coverage extension during trips abroad.
Cancelled Events and Trip Cancellation Insurance
Insurance covering costs arising from trip cancellation or curtailment due to unforeseen random circumstances including cancelled tickets and accommodation.
Travel Liability Insurance
Civil liability insurance available as part of travel coverage protecting the insured during trips abroad.
Other5
Legal Protection Insurance - Individuals
Legal protection insurance for individuals covering reimbursement of legal costs incurred from insurance-related accidents.
Cyclist Insurance Package
Insurance package for cyclists covering third-party liability, personal accident, and casco of the bicycle including theft.
Legal Protection Insurance - Local Government Units
Legal protection insurance for local government entities covering legal costs arising from insurance-related disputes.
Legal Protection Insurance - Farmers
Legal protection insurance for farmers covering reimbursement of legal costs from insurance-related events.
Legal Protection Insurance - Businesses
Legal protection insurance for businesses covering legal costs from insurance-related disputes.
Regulatory updates
TUW TUW operates under continuous supervision of the Polish Financial Supervision Authority (KNF). The insurer published its Solvency and Financial Condition Report (SFCR) for 2025, noting that negative financial results in 2024 caused by agricultural losses and flood claims led to a restrictive underwriting policy continuing in 2026. In December 2025 an Extraordinary General Meeting amended the company statute and appointed a new Supervisory Board for 2026-2030. In February 2026 the Supervisory Board accepted the resignation of President Jerzy Lenard. The company remains an active licensed insurer in good regulatory standing with KNF.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from TUW "TUW" for the Poland market, with online purchase.
Last verified Aug 18, 2026
Motor third-party liability
motor third-party liability insurance from TUW "TUW" for the Poland market, with online purchase and 24/7 assistance.
Last verified Aug 18, 2026
Travel insurance
travel insurance from TUW "TUW" for the Poland market, with 24/7 assistance.
Last verified Aug 18, 2026