Motor third-party liability — Poland

[1] Bodily injury liability: €5,210,000 ↩

Civil liability of the vehicle holder and driver for damages arising from the use of the vehicle, including death, bodily injury, or health impairment. The guarantee sum (maximum liability) is 5,210,000 EUR per event for bodily injury claims.

Górną granicą odpowiedzialności Towarzystwa w okresie ubezpieczenia stanowi suma gwarancyjna, której wysokość wynosi: 5 210 000 euro, w przypadku szkód na osobie i 1 050 000 euro, w przypadku szkód w mieniu.

[2] Property damage liability: €1,050,000 ↩

Civil liability for damage to third-party property arising from the use of the insured vehicle. The guarantee sum (maximum liability) is 1,050,000 EUR per event for property damage claims. Excludes damage to property of the vehicle holder caused by the driver, cargo carried for hire, loss of cash/jewellery/documents, and environmental contamination.

Górną granicą odpowiedzialności Towarzystwa w okresie ubezpieczenia stanowi suma gwarancyjna, której wysokość wynosi: 5 210 000 euro, w przypadku szkód na osobie i 1 050 000 euro, w przypadku szkód w mieniu.

[3] Legal defence: Excluded ↩

Legal defence is not included in the standard MTPL product offered by AGRO Ubezpieczenia. It is available as part of separate optional products.

[4] Green card: Optional ↩

The Green Card is an optional add-on to the MTPL policy, providing proof of insurance valid in countries belonging to the Green Card system outside Poland. It can be purchased alongside the compulsory OC policy.

Zielona Karta chroni kierowcę pojazdu przed skutkami finansowymi szkód wyrządzonych osobom trzecim poza granicami Polski w krajach należących do tzw. Systemu Zielonej Karty.

[5] Passenger accident: Excluded ↩

Personal accident cover for passengers was offered as an optional add-on under the 'Bezpieczny Pojazd' product (NNW Kierowców i Pasażerów); however, Bezpieczny Pojazd was withdrawn from sale on 6 March 2026 and the add-on is no longer available.

Produkt wycofany ze sprzedaży w dniu 6.03.2026 r.

[6] Bodily injury liability: Covered ↩

Mandatory third-party liability for bodily injury caused in connection with the use of a motor vehicle. The guaranteed sum equals the statutory minimum required by Polish law (Act of 22 May 2003 on compulsory insurance). Specific sum not stated in official product documents; governed by applicable regulation.

W przypadku ubezpieczenia odpowiedzialności cywilnej (OC) posiadaczy pojazdów mechanicznych (ubezpieczenie obowiązkowe) suma gwarancyjna jest równa minimalnej sumie gwarancyjnej wymaganej przepisami prawa.

[7] Property damage liability: Covered ↩

Mandatory third-party liability for property damage caused in connection with the use of a motor vehicle. The guaranteed sum equals the statutory minimum required by Polish law. Specific sum not stated in official product documents; governed by applicable regulation.

W przypadku ubezpieczenia odpowiedzialności cywilnej (OC) posiadaczy pojazdów mechanicznych (ubezpieczenie obowiązkowe) suma gwarancyjna jest równa minimalnej sumie gwarancyjnej wymaganej przepisami prawa.

[8] Legal defence: Optional ↩

Optional legal assistance cover (Rozdział X of OWU): covers organisation and costs of out-of-court legal advice related to vehicle ownership/use under Polish law. Includes 12 telephone legal consultations per year, 4 written legal opinions, and 4 vehicle contract templates per year. Available as an add-on to the package.

Telefoniczna porada lub informacja prawna ... 12 porad lub informacji w rocznym okresie ubezpieczenia. Sporządzenie opinii i analizy prawnej ... Cztery świadczenia w rocznym okresie ubezpieczenia. Przekazanie wzorów umów dotyczących pojazdów ... Cztery świadczenia w rocznym okresie ubezpieczenia.

[9] Green card: Covered ↩

Free Green Card certificate available upon request for travel to countries requiring it: Albania, Azerbaijan, Belarus, Montenegro, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey, Ukraine. Minimum validity 15 days, maximum 12 months. Must be requested before travel.

Przed wjazdem do następujących krajów konieczne jest uzyskanie Certyfikatu Zielonej Karty: Albania, Azerbejdżan, Białoruś, Czarnogóra, Iran, Izrael, Maroko, Mołdawia, Macedonia Północna, Rosja, Tunezja, Turcja, Ukraina (OC/ZK).

[10] Passenger accident: Optional ↩

Optional personal accident cover for passengers (Rozdział IV of OWU), included within the same NNW contract as the driver cover. Covers permanent health impairment, death and medical treatment costs for vehicle passengers. Sum insured is determined separately for each insured person. NNW is a separately selectable voluntary cover, not automatically included with OC.

Suma ubezpieczenia jest określana odrębnie dla każdego Ubezpieczonego. Limit odpowiedzialności dla kosztów leczenia poniesionych w związku z nieszczęśliwym wypadkiem wynosi 20% sumy ubezpieczenia, określonej dla następstwa nieszczęśliwego wypadku w postaci trwałego uszczerbku na zdrowiu.

[11] Bodily injury liability: PLN 29,876,400 ↩

Statutory guarantee sum for bodily injury liability: PLN 29,876,400 per event regardless of the number of injured parties, calculated at the NBP average exchange rate on the day the damage was caused. Covers liability of any person driving the insured vehicle who causes harm to a third party in connection with the vehicle's movement.

Odpowiedzialność zakładu ubezpieczeń ograniczona jest do sumy gwarancyjnej wynoszącej równowartość: 29 876 400 złotych w przypadku szkód na osobie – w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[12] Property damage liability: PLN 6,021,600 ↩

Statutory guarantee sum for property damage liability: PLN 6,021,600 per event regardless of the number of injured parties, calculated at the NBP average exchange rate on the day the damage was caused. For events in Multilateral Agreement countries, the insurer is liable up to the guarantee sum required by that country's law, but not less than the Polish statutory minimum.

6 021 600 złotych w przypadku szkód w mieniu – w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych – ustalana przy zastosowaniu kursu średniego ogłaszanego przez Narodowy Bank Polski obowiązującego w dniu wyrządzenia szkody.

[13] Legal defence: PLN 35,000 ↩

Legal defence coverage is available as an optional add-on to the Benefia OC policy. It covers costs of legal representation and court proceedings related to the vehicle, including criminal and traffic offence proceedings, and claims arising from accidents. Available via the Pakiet Dealerski bundle or as a standalone rider.

[14] Green card: Conditional ↩

The Green Card certificate is provided by Benefia at no additional charge as part of the OC policy. It confirms valid third-party liability insurance and is required when travelling to countries outside the Multilateral Agreement system (Albania, Azerbaijan, Iran, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine). The standard OC policy covers events in Multilateral Agreement countries without a Green Card; the certificate is needed only for the listed non-member countries. Green Card certificates may be issued for a minimum of 15 days and a maximum of 12 months.

Przy wyjeździe do kraju innego niż wymienione powyżej, kierowca powinien posiadać Zieloną Kartę. Możesz ją uzyskać bez dodatkowej opłaty do ubezpieczenia OC.

[15] Passenger accident: Optional ↩

Personal accident insurance for passengers (NNW) is available as an optional add-on to the Benefia OC policy. It covers permanent disability and death of vehicle passengers resulting from a traffic accident. The sum insured is set individually per insured person.

NNW — Otrzymaj rekompensatę dla poszkodowanych na skutek odniesienia trwałego uszczerbku na zdrowiu lub śmierci w związku z nieszczęśliwym wypadkiem w ruchu drogowym.

[16] Bodily injury liability: PLN 29,876,400 ↩

Mandatory third-party liability insurance covering bodily injury claims per event regardless of the number of injured parties. The guarantee sum equals the minimum required under Polish mandatory motor insurance law (Act of 22 May 2003), amounting to 29,876,400 PLN per event.

szkód na osobie – 29 876 400 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych;

[17] Property damage liability: PLN 6,021,600 ↩

Mandatory third-party liability insurance covering property damage claims per event regardless of the number of injured parties. The guarantee sum amounts to 6,021,600 PLN per event, as required under Polish mandatory motor insurance law.

szkód w mieniu – 6 021 600 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych.

[18] Legal defence: Excluded ↩

Legal defence / legal representation costs are explicitly not covered. Under the Zielona Karta section (OWU pt. 161), costs of legal representation established without the insurer's consent are excluded. No standalone legal defence cover is offered within Pakiet Moto.

Jeżeli prawo miejsca zdarzenia nie stanowi inaczej, nie pokrywamy kosztów zastępstwa procesowego Ubezpieczającego, Ubezpieczonego lub kierującego pojazdem, ustanowionego w postępowaniu cywilnym bez naszej zgody.

[19] Green card: Optional ↩

Optional supplemental cover extending liability to countries within the Green Card system outside Poland. Requires existing Moto OC contract (OWU pt. 169). Guarantee sum equals the sum applicable in the country where coverage is provided, but not less than the Polish mandatory OC guarantee sums: 29,876,400 PLN for bodily injury and 6,021,600 PLN for property damage per event. Can be contracted for a minimum of 15 days and maximum of 12 months.

Umowę ubezpieczeniową OC w ruchu zagranicznym (Zielona Karta) możesz zawrzeć jedynie wtedy, kiedy zawarłeś już z nami umowę ubezpieczenia OC posiadacza pojazdu.

[20] Passenger accident: PLN 100,000 – PLN 500,000 ↩

Passengers are covered under the same Moto NNW policy as the driver (OWU pt. 99). The same sum insured tiers apply per person per event: 100,000 PLN, 300,000 PLN, or 500,000 PLN. Coverage includes permanent health impairment and death resulting from an accident during vehicle use. The number of passengers covered does not exceed the number of seats stated in the vehicle registration document.

Przedmiotem ubezpieczenia są następstwa nieszczęśliwych wypadków kierowcy i pasażerów pojazdu wskazanego na polisie powstałe podczas ruchu pojazdu, wsiadania i wysiadania z pojazdu oraz bezpośrednio przy jego załadunku lub rozładunku, postoju lub próby usprawnienia pojazdu na drodze w trakcie podróży

[21] Bodily injury liability: €6,450,000 ↩

Statutory minimum guarantee sum of EUR 6,450,000 per event regardless of the number of victims, as required by Polish law (Act on Compulsory Insurance) following the amendment of 6 November 2024. Covers medical treatment costs, compensation, annuities, and death benefits paid to third parties injured by the insured vehicle.

[22] Property damage liability: €1,300,000 ↩

Statutory minimum guarantee sum of EUR 1,300,000 per event regardless of the number of claimants, as required by Polish law following the amendment of 6 November 2024. Covers repair or replacement costs for third-party property (vehicles, infrastructure, etc.) damaged by the insured vehicle.

[23] Legal defence: See details ↩

Legal defence cover is not listed as a distinct coverage component in the Direct ubezpieczenia MTPL product. It is not evidenced in the OWU, PID, or official product pages for this product.

[24] Green card: Optional ↩

The Green Card is available as a paid add-on to the MTPL policy. It extends liability cover to countries that are members of the Green Card system but not signatories of the Multilateral Agreement (i.e. countries outside the standard EU/EEA territorial scope). The Green Card contract term does not exceed the term of the underlying MTPL policy.

[25] Passenger accident: Not established from the insurer's documents ↩

Personal accident (NNW) cover for passengers is available as part of the optional NNW Komunikacyjne add-on. The sum insured is PLN 10,000. It covers the permanent consequences of accidents (death, bodily injury, or health impairment) suffered by passengers of the insured vehicle. Detailed limits and exclusions are set out in the OWU.

[26] Bodily injury liability: Not established from the insurer's documents ↩

Compensation is paid within the statutory guarantee sum of 6,450,000 EUR per event regardless of the number of victims, as established by the Polish Compulsory Insurance Act (amended 6 November 2024). The EUR amount is converted to PLN at the NBP exchange rate on the date of loss. Covers death, bodily injury, health impairment, including damage caused intentionally or through gross negligence by the insured driver.

[27] Property damage liability: Not established from the insurer's documents ↩

Compensation is paid within the statutory guarantee sum of 1,300,000 EUR per event regardless of the number of affected parties, as established by the Polish Compulsory Insurance Act (amended 6 November 2024). The EUR amount is converted to PLN at the NBP exchange rate on the date of loss. Covers destruction, damage or loss of third-party property.

[28] Legal defence: Excluded ↩

Legal defence coverage is not included in the base MTPL (OC) product. EUROINS offers a separate EUROINS Ochrona Prawna (legal protection) add-on available to OC policyholders as an optional voluntary product.

[29] Green card: Optional ↩

The Polish OC policy automatically covers travel in EU member states and Multilateral Agreement signatory countries (including Andorra, Iceland, Liechtenstein, Norway, Serbia). For travel to non-EU Green Card System member countries not covered by the Multilateral Agreement, the optional EUROINS Zielona Karta product can be purchased. The Green Card is issued for a minimum of 15 days and maximum of 12 months, and the guarantee sum corresponds to the minimum statutory sums of the country where the event occurs, at least equal to the Polish statutory minimums.

[30] Passenger accident: Optional ↩

Passenger accident coverage is not included in the base OC (MTPL) policy. It is available as an optional add-on through EUROINS NNW, which covers the driver and passengers (up to the number stated in the vehicle registration) for permanent health impairment and death resulting from accidents connected with vehicle movement, including boarding and alighting, loading and unloading, stops and parking, and repairs following a breakdown during a journey. The insured sum is set by the policyholder.

[31] Bodily injury liability: PLN 29,876,400 ↩

Covers financial consequences of bodily injury, health impairment or death of third parties caused in connection with the operation of the insured vehicle. The guarantee sum is set by the Compulsory Insurance Act (Ustawa OC) and is currently PLN 29,876,400 per event for personal injury claims. The sum is identical across all three variants (I, II, III) of the OC policy. ERGO Hestia pays compensation to the injured parties up to this statutory guarantee sum.

Obecnie wynosi 29 876 400 zł przy szkodach na osobie i 6 021 600 zł przy szkodach w mieniu. Określa ją ustawa, więc jest taka sama w każdym towarzystwie ubezpieczeniowym.

[32] Property damage liability: PLN 6,021,600 ↩

Covers financial consequences of property damage caused to third parties in connection with the operation of the insured vehicle. The guarantee sum is set by the Compulsory Insurance Act (Ustawa OC) and is currently PLN 6,021,600 per event for property damage claims. The sum is identical across all three variants (I, II, III). ERGO Hestia pays compensation to injured parties up to this statutory guarantee sum.

Obecnie wynosi 29 876 400 zł przy szkodach na osobie i 6 021 600 zł przy szkodach w mieniu. Określa ją ustawa, więc jest taka sama w każdym towarzystwie ubezpieczeniowym.

[33] Legal defence: PLN 2,000 ↩

Telefoniczny Asystent Prawny is available in Variant II and III of the OC policy. It provides up to 12 telephone legal advice sessions per insurance period covering issues related to the insured vehicle (claims, traffic offences, licence suspension, registration matters, Compulsory Insurance Act provisions). The guarantee sum for this service is PLN 2,000. Not included in Variant I. The service is available 24/7 per the official product page.

Telefoniczny Asystent Prawny NIE TAK TAK

[34] Green card: Conditional ↩

The Green Card document is issued as proof of compulsory motor third-party liability insurance valid in Green Card system member countries. The statutory OC coverage extends abroad to countries participating in the Green Card system. The OWU sources do not explicitly price or quantity this separately; it follows the statutory guarantee sums. Issuance of the Green Card document and its exact territorial scope are governed by the Compulsory Insurance Act and PBUK rules.

[35] Passenger accident: Excluded ↩

Personal accident coverage for passengers (NNW Kierowcy i Pasażerów) is a separate insurance module within the ERGO 7 package and is not part of the MTPL (OC) policy. It must be purchased separately as an optional add-on. The OC policy covers third-party bodily injury claims (including passengers of the at-fault vehicle) as liability claims, not as personal accident benefits payable to the insured's own passengers.

Ubezpieczenie Następstw Nieszczęśliwych Wypadków Kierowcy i Pasażerów 21

[36] Bodily injury liability: PLN 29,876,400 ↩

Covers civil liability for bodily harm (death, personal injury, or health impairment) caused to third parties in connection with the movement of the insured vehicle. The guarantee sum of 29,876,400 PLN applies per event regardless of the number of victims. The sum is statutory and determined at the NBP average exchange rate on the date the damage is caused.

29 876 400 zł w przypadku szkód na osobie - w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[37] Property damage liability: PLN 6,021,600 ↩

Covers civil liability for property damage (destruction, damage, or loss of property) caused to third parties in connection with the movement of the insured vehicle. The guarantee sum of 6,021,600 PLN applies per event regardless of the number of victims. The sum is statutory and determined at the NBP average exchange rate on the date the damage is caused.

6 021 600 zł w przypadku szkód w mieniu - w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[38] Legal defence: Excluded ↩

Legal defence costs for the policyholder are not covered under the compulsory MTPL insurance. The insurer covers defence of the insured's interests only in the context of settling third-party claims, not as a standalone legal defence benefit.

[39] Green card: Covered ↩

Automatic coverage applies in all countries whose national bureaux are signatories of the Multilateral Agreement. Upon request, Generali issues the International Motor Insurance Certificate (Green Card). For countries outside the Multilateral Agreement, separate Green Card extension cover (ZK) is available. The guarantee sum equals that applicable in the country of the event, but not less than the Polish statutory minimum.

Na wniosek Ubezpieczającego Generali wydaje Międzynarodową Kartę Ubezpieczenia Samochodowego ("Zieloną Kartę"), w której są wskazane m.in. państwa należące do Systemu Zielonej Karty, na których terytorium jest udzielana ochrona ubezpieczeniowa.

[40] Passenger accident: Covered ↩

Passengers injured in an accident caused by the policyholder are covered as third parties under the compulsory MTPL bodily injury liability, up to 29,876,400 PLN per event. Separate voluntary NNW cover for passengers is available as an add-on.

[41] Bodily injury liability: €6,450,000 ↩

Minimum statutory guarantee sum per event, regardless of the number of injured parties: 6,450,000 EUR for bodily injury (death, personal injury, health impairment). Effective 6 November 2024 following implementation of EU Directive 2021/2118. Sum is calculated at the NBP average EUR/PLN rate on the date of loss. Covers all persons liable for the vehicle's movement, including the driver.

6,45 mln euro (ok. 29,9 mln zł) – w przypadku szkód osobowych,

[42] Property damage liability: €1,300,000 ↩

Minimum statutory guarantee sum per event, regardless of the number of claimants: 1,300,000 EUR for property damage. Effective 6 November 2024 following implementation of EU Directive 2021/2118. Calculated at the NBP average EUR/PLN rate on the date of loss.

1,3 mln euro (ok. 6,0 mln zł) – w przypadku szkód w mieniu.

[43] Legal defence: Covered ↩

Within the limits of the guarantee sum, InterRisk is obliged to reimburse the policyholder for necessary defence costs in criminal proceedings and costs of legal representation in civil proceedings, taken on the instruction of or with the consent of InterRisk (Art. 15 para. 2 of the Compulsory Insurance Act). This is a statutory obligation included in every MTPL policy; it is separate from the voluntary Ochrona Prawna add-on product.

W granicach sumy gwarancyjnej ubezpieczenia obowiązkowego odpowiedzialności cywilnej zakład ubezpieczeń jest obowiązany zwrócić ubezpieczającemu niezbędne koszty obrony w postępowaniu karnym i koszty zastępstwa prawnego w postępowaniu cywilnym, podjętych na polecenie lub za zgodą zakładu ubezpieczeń.

[44] Green card: Covered ↩

An international motor insurance certificate (Green Card) is issued with the OC policy at no additional premium. It confirms valid MTPL coverage in countries whose national bureaux are signatories to the Multilateral Agreement. Concluding an OC policy automatically triggers the issue of a Zielona Karta for the same vehicle at no extra charge (OWU Pakiet Auto+ §9.8).

Zielona Karta w ramach ubezpieczenia OC

[45] Passenger accident: Optional ↩

Personal accident coverage for passengers in the insured vehicle is not included in the base MTPL policy. Passengers injured through the fault of a third party are covered under the mandatory bodily_injury_liability. For cover of accidents caused by the vehicle's own driver, the optional NNW add-on (sum insured 10,000–100,000 PLN per person) must be purchased separately under Pakiet Auto+.

[46] Bodily injury liability: Not established from the insurer's documents ↩

29.876.400 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych − w przypadku szkód na osobie;

[47] Property damage liability: Not established from the insurer's documents ↩

6.021.600 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych − w przypadku szkód w mieniu.

[48] Legal defence: See details ↩

Legal defence is not provided as a standalone coverage under the MTPL policy. The IPID and OC information document do not mention it as a covered benefit. Legal costs related to claims settled under the optional Zielona Karta product are handled separately.

[49] Green card: Not established from the insurer's documents ↩

LINK4 issues a Green Card (International Insurance Certificate) confirming MTPL coverage validity for travel to countries requiring it, including Morocco, Azerbaijan, Iran, Tunisia, Turkey, Ukraine, North Macedonia, Moldova. The MTPL cover extends to EU/EEA states, Andorra and Serbia without the certificate. An additional paid standalone 'Zielona Karta' insurance product exists for extended territorial cover beyond OC ppm scope.

[50] Passenger accident: Covered ↩

Passengers injured in an accident caused by the insured vehicle are treated as third parties and their bodily injuries are covered under the bodily injury liability limit. There is no separate standalone passenger accident benefit; coverage is part of the statutory MTPL third-party bodily injury protection.

[51] Bodily injury liability: PLN 29,876,400 ↩

The guarantee sum for bodily injury claims is at least PLN 29,876,400 per event regardless of the number of victims, equivalent to the Polish statutory minimum for compulsory MTPL. This figure is stated in the IPID in the context of the Green Card / Zielona Karta coverage block and represents the applicable minimum guarantee sum under Polish law (Art. 36 of the Compulsory Insurance Act).

w przypadku szkód na osobie – 29 876 400 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[52] Property damage liability: PLN 6,021,600 ↩

The guarantee sum for property damage claims is at least PLN 6,021,600 per event regardless of the number of victims, equivalent to the Polish statutory minimum for compulsory MTPL. This figure is stated in the IPID in the context of the Green Card / Zielona Karta coverage block and represents the applicable minimum guarantee sum under Polish law.

w przypadku szkód w mieniu – 6 021 600 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[53] Legal defence: See details ↩

Legal defence coverage is not mentioned in the OWU or IPID for this product.

[54] Green card: Optional ↩

The Green Card (Ubezpieczenie Zielona Karta, OWU §15–16) covers the civil liability of any person driving the insured vehicle outside Poland, in countries whose national bureaux are signatories of the Multilateral Agreement as of the contract date. Compensation is settled within the limits of civil liability as defined by the law applicable to the event. The Green Card is listed as a separate, selectable product component in the OWU and IPID product table; it is not automatically bundled with OC but is available as an add-on to the motor package.

Ochroną ubezpieczeniową z tytułu Ubezpieczenia Zielona Karta objęta jest odpowiedzialność cywilna każdej osoby, która kierując pojazdem w okresie trwania odpowiedzialności ubezpieczeniowej wyrządziła szkodę w związku z ruchem tego pojazdu poza granicami Polski, na terytorium państw, których biura narodowe w dniu zawarcia umowy ubezpieczenia są sygnatariuszami Porozumienia Wielostronnego, o którym mowa w Ustawie OC.

[55] Passenger accident: PLN 10,000 – PLN 25,000 ↩

Optional accidental injury insurance covering both driver and passengers. Available in four sum-insured tiers per person: 10,000 PLN, 15,000 PLN, 20,000 PLN, or 25,000 PLN. Benefits are the same as for driver-only NNW. If the number of passengers exceeds the registered vehicle capacity, the sum insured per passenger is reduced proportionally. Worldwide territorial scope.

Ubezpieczenie Następstw Nieszczęśliwych Wypadków Kierowcy i Pasażerów 10 000 zł na osobę 15 000 zł na osobę 20 000 zł na osobę 25 000 zł na osobę

[56] Bodily injury liability: €5,210,000 ↩

Covers death, bodily injury, or health impairment caused to third parties in connection with the movement of the insured vehicle. The guarantee sum is set by Polish law at the equivalent in PLN of EUR 5,210,000 per event, identical across all insurers.

równowartość w złotych 5 210 000 EUR w przypadku szkód na osobie;

[57] Property damage liability: €1,050,000 ↩

Covers loss, destruction or damage to property of third parties caused in connection with the movement of the insured vehicle. The guarantee sum is set by Polish law at the equivalent in PLN of EUR 1,050,000 per event, identical across all insurers.

równowartość w złotych 1 050 000 EUR w przypadku szkód na mieniu.

[58] Legal defence: See details ↩

Legal defence cover is not included in the standard OC pojazdu product. It is not mentioned in the verified sources as an included or optional add-on under this policy.

[59] Green card: Unlimited ↩

The standard annual OC pojazdu policy provides coverage in all countries whose national bureaux are signatories of the Multilateral Agreement (Green Card area), at limits no lower than the Polish statutory minimums. A Green Card certificate can be issued to the policyholder.

[60] Passenger accident: Excluded ↩

Accident cover for passengers is not included in the OC pojazdu policy. Partner TUiR offers NNW kierowcy i pasażerów as a separate voluntary product.

ubezpieczenia NNW kierowcy i pasażera – Ty lub pasażer otrzymacie odszkodowanie za uszczerbek na zdrowiu, odniesiony wskutek kolizji lub wypadku drogowego;

[61] Bodily injury liability: Covered ↩

Compulsory third-party liability cover for bodily injury caused to third parties in connection with the movement of the insured vehicle. The guarantee sum (minimum liability limit) is set by the Act of 22 May 2003 on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers Bureau and is not specified within the OWUK policy terms, which govern only voluntary motor products. The statutory limit applies.

Umowę ubezpieczenia odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych reguluje ustawa z dnia 22 maja 2003 r. o ubezpieczeniach obowiązkowych, Ubezpieczeniowym Funduszu Gwarancyjnym i Polskim Biurze Ubezpieczycieli Komunikacyjnych.

[62] Property damage liability: Covered ↩

Compulsory third-party liability cover for property damage caused to third parties in connection with the movement of the insured vehicle. The guarantee sum (minimum liability limit) is set by the Act of 22 May 2003 on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers Bureau and is not specified within the OWUK policy terms, which govern only voluntary motor products. The statutory limit applies.

Umowę ubezpieczenia odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych reguluje ustawa z dnia 22 maja 2003 r. o ubezpieczeniach obowiązkowych, Ubezpieczeniowym Funduszu Gwarancyjnym i Polskim Biurze Ubezpieczycieli Komunikacyjnych.

[63] Legal defence: Excluded ↩

No standalone legal defence benefit is included in the MTPL (OC) package. Legal assistance abroad ("Ochrona prawna za granicą") with a lawyer's fee limit of 2,000 EUR and a refundable loan of 2,000 EUR is available only within the optional Assistance Maksymalny variant under Chapter VII of the OWUK, and is therefore not a core MTPL benefit.

CAA zorganizuje i pokryje koszty: i) pomocy prawnej w postępowaniu sądowym profesjonalnego pełnomocnika reprezentującego Ubezpieczonego, kierującego pojazdem w chwili wypadku, oraz ii) udzieli nieoprocentowanej pożyczki środków pieniężnych na poczet wpłaty kaucji sądowej, opłat proceduralnych lub kar pieniężnych w postępowaniu sądowym, jeżeli będzie ona wymagana.

[64] Green card: Optional ↩

Optional civil liability insurance (Chapter VI of OWUK) covering third-party liability arising from the use of the insured vehicle registered in Poland outside Polish borders, in the territories of countries signatory to the Multilateral Agreement as listed in the Green Card. The applicable guarantee sum equals the guarantee sum in force in the country where the incident occurred, but shall not be lower than the OC guarantee sum indicated in the policy. The contract is concluded for a minimum of 15 days and a maximum of 12 months and terminates simultaneously with the termination of the Polish MTPL contract. Coverage begins and ends upon the vehicle crossing the relevant state borders.

Suma gwarancyjna mająca zastosowanie do niniejszej umowy odpowiada wysokości sumy gwarancyjnej obowiązującej w kraju miejsca zdarzenia, jednak nie może być niższa niż suma gwarancyjna obowiązująca w obowiązkowym ubezpieczeniu odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych (OC), wskazana w polisie.

[65] Passenger accident: Optional ↩

Passenger accident cover is included within the same optional NNW product (Chapter V of OWUK) that covers the driver. The NNW insurance covers consequences of accidents for both the driver and passengers of the insured vehicle. Exclusions include: no seatbelt worn during travel, exceeding the registered number of seats, no helmet during motorcycle/moped travel (where causally linked). Passengers travelling with an intoxicated driver are also excluded where a causal link exists.

Nie odpowiadamy za następstwa nieszczęśliwych wypadków, jeżeli: a) w chwili wypadku (mającego miejsce podczas jazdy) Ubezpieczony nie miał zapiętych pasów bezpieczeństwa, w które pojazd był wyposażony (chyba że był zwolniony z tego obowiązku), o ile zachodzi związek przyczynowy z powstaniem następstw nieszczęśliwego wypadku;

[66] Bodily injury liability: PLN 29,876,400 ↩

Statutory minimum guarantee sum for bodily injury claims arising from one insured event, regardless of the number of injured persons. Applicable to contracts concluded from 28 October 2024.

Dla umów zawartych od 28 października 2024 r.: szkody osobowe - 29 876 400 złotych;

[67] Property damage liability: PLN 6,021,600 ↩

Statutory minimum guarantee sum for property damage claims arising from one insured event, regardless of the number of injured persons. Applicable to contracts concluded from 28 October 2024.

szkody w mieniu - 6 021 600 złotych.

[68] Legal defence: Excluded ↩

Legal defence costs for the policyholder/driver in civil or criminal proceedings are not covered under the MTPL policy; costs of appointing legal representation without prior insurer consent are excluded.

[69] Green card: Covered ↩

International Motor Insurance Certificate (Green Card) is issued free of charge as part of the OC package in Proama. It confirms active MTPL insurance and is valid for travel in Green Card system countries outside the EU, including Albania, Azerbaijan, Macedonia, Morocco, Moldova, Tunisia, Turkey, and Ukraine. Issued for a fixed term up to the expiry of the OC policy, minimum 15 days.

Zielona Karta Pojazdu jest dokumentem, który poświadcza, że samochód ma aktualne ubezpieczenie OC i w razie powstania szkody z winy tego pojazdu, koszty jej usunięcia zostaną pokryte przez zakład ubezpieczeń, w którym auto zostało ubezpieczone.

[70] Passenger accident: Optional ↩

Personal accident cover for passengers is not included in the base MTPL policy. It is available as an optional NNW Komunikacyjne add-on, covering driver and passengers (up to the number specified in the vehicle registration document) for PLN 30,000 per insured person.

[71] Bodily injury liability: Covered ↩

PZU covers bodily injury liability (death, personal injury, health disorder) up to guarantee sums not lower than those specified in the Polish Compulsory Insurance Act. The IPID states coverage applies up to statutory sums without specifying the exact figure; the statutory minimum is set by law and applies uniformly across all insurers.

[72] Property damage liability: Covered ↩

PZU covers property damage liability (loss, destruction or damage to third-party property) up to guarantee sums not lower than those specified in the Polish Compulsory Insurance Act. The IPID states coverage applies up to statutory sums without specifying the exact figure; the statutory minimum is set by law and applies uniformly across all insurers.

[73] Legal defence: Excluded ↩

Legal defence costs are not included in the PZU Auto OC policy. They may be covered separately under the PZU Auto Ochrona Prawna (PAOP) product, which is a separate optional insurance.

[74] Green card: Optional ↩

The International Motor Insurance Certificate (Green Card) is available as a separate optional product – PZU Auto Zielona Karta (ZK). It covers civil liability of the vehicle holder or driver in countries that are members of the Green Card system but are not signatories to the Multilateral Agreement (countries where OC is not recognised). The guarantee sum equals the sum stated in the OC policy for the same vehicle. The ZK premium is included in the OC premium when both are taken together.

[75] Passenger accident: Covered ↩

Passengers injured in an accident caused by the insured driver are covered as third parties under the bodily injury liability component of the OC policy. The OC covers death, personal injury and health disorder caused to third parties, including passengers, up to the statutory guarantee sums. There is no separate per-passenger accident sum – it is subsumed within the bodily injury liability coverage. Voluntary personal accident insurance for driver and passengers is available separately as PZU Auto NNW.

[76] Bodily injury liability: PLN 29,876,400 ↩

Mandatory minimum guarantee sum for bodily injury per event regardless of the number of victims, set by Polish law (Act on Compulsory Insurance). Equivalent to 5,210,000 EUR per event.

W przypadku szkód na osobie suma gwarancyjna wynosi 29 876 400 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych.

[77] Property damage liability: PLN 6,021,600 ↩

Mandatory minimum guarantee sum for property damage per event regardless of the number of victims, set by Polish law (Act on Compulsory Insurance). Equivalent to 1,050,000 EUR per event.

W przypadku szkód w mieniu suma gwarancyjna wynosi 6 021 600 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych.

[78] Legal defence: Not established from the insurer's documents ↩

Legal defence costs (including criminal defence counsel and fines) are explicitly excluded under the OC terms and conditions. The insurer does not cover costs of legal representation in criminal proceedings against the vehicle owner or driver, nor any fines or monetary penalties imposed on them.

[79] Green card: Covered ↩

The Green Card is included free of charge with every OC policy. It is required when travelling to countries outside the EU that are not party to the Multilateral Agreement: Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. The need to issue a Green Card must be reported at least 14 days before the planned departure date.

Nie, Zielona Karta jest w cenie ubezpieczenia OC.

[80] Passenger accident: Not established from the insurer's documents ↩

The NNW policy covers both the driver and all passengers of the insured vehicle (up to the maximum number of seats specified in the vehicle registration document). The same sum options apply: 50,000 PLN, 100,000 PLN, or 200,000 PLN. The sum is established per insured person and payment of a benefit does not reduce the insurance sum for other insureds.

Ubezpieczeniem jest objęty kierowca pojazdu mechanicznego (wymienionego w dokumencie ubezpieczenia – polisie) oraz pasażerowie tego pojazdu.

[81] Bodily injury liability: PLN 29,876,400 ↩

Statutory minimum guarantee sum for bodily injury per event (regardless of number of injured parties), as set by the Polish Act on Compulsory Insurance effective from 6 November 2024. Applies to all MTPL policies including Bezpieczny Pojazd.

29 876 400 złotych w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych − w przypadku szkód na osobie;

[82] Property damage liability: PLN 6,021,600 ↩

Statutory minimum guarantee sum for property damage per event (regardless of number of injured parties), as set by the Polish Act on Compulsory Insurance effective from 6 November 2024. Applies to all MTPL policies including Bezpieczny Pojazd.

6 021 600 złotych w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych − w przypadku szkód w mieniu.

[83] Legal defence: Excluded ↩

Legal defence cover is not included in the Bezpieczny Pojazd MTPL product and is not listed as an available add-on by official sources.

[84] Green card: Optional ↩

The Green Card is available as an add-on to the OC policy and confirms insurance coverage in countries belonging to the Green Card system. It is required when travelling to countries not covered by the Multilateral Agreement, such as Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey and Ukraine.

Zielona Karta chroni kierowcę pojazdu przed skutkami finansowymi szkód wyrządzonych osobom trzecim poza granicami Polski w krajach należących do tzw. Systemu Zielonej Karty. Wymagana jest na terytorium: Albanii, Azerbejdżanu, Macedonii, Maroka, Mołdawii, Tunezji, Turcji i Ukrainy.

[85] Passenger accident: Optional ↩

Personal accident cover (NNW) for passengers is included alongside driver NNW as an optional add-on when purchasing OC or AC. It covers all passengers in the vehicle and provides compensation in the event of injury or death resulting from a road accident.

następstw nieszczęśliwych wypadków – „NNW Kierowcy i Pasażerów”;

[86] Bodily injury liability: PLN 29,876,400 ↩

Covers death, bodily injury, or health disorder resulting from vehicle movement. The guaranteed sum may not be lower than PLN 29,876,400 per event regardless of the number of victims. For damages caused in countries whose national bureaux are signatories to the Multilateral Agreement, TUW TUW is liable up to the guaranteed sum specified by the laws of that country, but not less than the sum stated above.

w przypadku szkód na osobie – 29 876 400 PLN,

[87] Property damage liability: PLN 6,021,600 ↩

Covers loss, destruction, or damage to property caused by vehicle movement, including during boarding/alighting, loading/unloading, and while stopped, parked or garaged. The guaranteed sum may not be lower than PLN 6,021,600 per event regardless of the number of victims.

w przypadku szkód w mieniu – 6 021 600 PLN w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych.

[88] Legal defence: See details ↩

Legal defence costs are not listed as a coverage item in the TUW TUW MTPL IPID (IP-33.004).

[89] Green card: Optional ↩

The Green Card is a separate, optionally purchasable product at TUW TUW (IPID IP-17.07.01, effective 17.04.2025). It provides third-party liability coverage for vehicle travel outside Poland in countries belonging to the Green Card system that are not signatories to the Multilateral Agreement. Standard MTPL (IP-33.004) already covers the listed Multilateral Agreement countries; the Green Card extends coverage to the remaining Green Card system countries as specified in the insurance certificate.

Produkt: Ubezpieczenie odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych w ruchu zagranicznym (ZIELONA KARTA) […] Umowę ubezpieczenia zawiera się wyłącznie z posiadaczami pojazdów mechanicznych posiadającymi obowiązkowe ubezpieczenie odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych (OC) zawarte w TUW „TUW”. […] Ubezpieczeniem odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych w ruchu zagranicznym (ZIELONA KARTA) objęta jest odpowiedzialność cywilna posiadacza lub kierującego pojazdem mechanicznym za szkody wyrządzone osobom trzecim powstałe w związku z ruchem tego pojazdu poza granicami Rzeczypospolitej Polskiej, na terytorium państw wymienionych w Zielonej Karcie.

[90] Passenger accident: Optional ↩

Passenger personal accident (NNW) is a separate, optional product at TUW TUW, not included in the standard MTPL policy. It can be purchased together with the driver NNW policy.

[91] Bodily injury liability: PLN 29,876,400 ↩

Minimum guaranteed sum for bodily injury (death, personal injury, health impairment) per event, regardless of number of victims, as established by the Act of 13 September 2024 amending the Compulsory Insurance Act, effective 6 November 2024. The sum is expressed in PLN and is set at 29,876,400 PLN per event.

w przypadku szkód na osobie – 29 876 400 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[92] Property damage liability: PLN 6,021,600 ↩

Minimum guaranteed sum for property damage per event, regardless of number of victims, as established by the Act of 13 September 2024 amending the Compulsory Insurance Act, effective 6 November 2024. The sum is expressed in PLN and is set at 6,021,600 PLN per event.

w przypadku szkód w mieniu – 6 021 600 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych

[93] Legal defence: See details ↩

No discrete legal defence coverage is included in or offered as part of the standard MTPL product by TUZ.

[94] Green card: Optional ↩

Green Card is a separate optional product sold alongside standard MTPL. It provides civil liability coverage for incidents occurring outside Poland in countries that are signatories to the Green Card system (Albania, Belarus, Bosnia and Herzegovina, Montenegro, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey, Ukraine). Minimum guaranteed sums: 5,210,000 EUR for bodily injury per event, 1,050,000 EUR for property damage per event. Minimum policy term is 15 days.

[95] Passenger accident: Optional ↩

Accidental death and permanent disability coverage for passengers is not included in the MTPL product. It is available as part of the optional NNW product (Następstwa Nieszczęśliwych Wypadków Kierowcy i Pasażerów Pojazdu Mechanicznego). Coverage sums range from 10,000 PLN to 100,000 PLN per person. NNW can be bundled with MTPL.

Minimalna suma ubezpieczenia na osobę wynosi 10 000 złotych, zaś maksymalna 100 000 złotych.

[96] Bodily injury liability: €6,450,000 ↩

Statutory minimum guarantee sum of 6,450,000 EUR per event regardless of the number of injured persons, as mandated by the Act of 22 May 2003 on Compulsory Insurance and the EU Motor Insurance Directive (effective November 2024). Covers costs of treatment, disability, loss of earnings, and death-related claims of third parties injured by the insured vehicle.

[97] Property damage liability: €1,300,000 ↩

Statutory minimum guarantee sum of 1,300,000 EUR per event regardless of the number of injured parties, as mandated by the Act of 22 May 2003 on Compulsory Insurance and the EU Motor Insurance Directive (effective November 2024). Covers property damage caused to third parties by the insured vehicle.

[98] Legal defence: Excluded ↩

Legal defence costs for the insured driver in civil or criminal proceedings are not covered under MTPL. The OWUK (Chapter VIII, point 5.6–5.7 for Green Card) explicitly states that attorney costs in civil proceedings without insurer consent and all criminal defence costs are excluded.

Jeśli prawo miejsca zdarzenia nie stanowi inaczej, nie pokrywamy kosztów zastępstwa procesowego Ubezpieczonego ZK, ustanowionego w postępowaniu cywilnym bez jego zgody.

[99] Green card: Covered ↩

Green Card (Zielona Karta) is included in the UNIQA OC package at no extra charge. It provides proof of civil liability coverage when travelling in countries that are signatories to the Multilateral Agreement but are not covered by the basic statutory OC (e.g. Ukraine, Albania, North Macedonia, Moldova). The guarantee sum applicable is the higher of the minimum required by the country of the event or the Polish statutory sum. Green Card contracts run for a minimum of 15 days and a maximum of 12 months and are terminated simultaneously with the underlying OC contract.

Ochroną ubezpieczeniową w ramach ubezpieczenia ZK obejmujemy odpowiedzialność cywilną Ubezpieczonego ZK związaną z posiadaniem pojazdu wskazanego w polisie i zarejestrowanego w Rzeczypospolitej Polskiej za szkody wyrządzone osobom trzecim, powstałe w związku z ruchem tego pojazdu poza granicami Rzeczypospolitej Polskiej, na terytorium państw będących sygnatariuszami Wielostronnego Porozumienia.

[100] Passenger accident: Optional ↩

Personal accident cover for passengers is part of the NNW product available as a paid add-on. The NNW policy covers consequences of accidents for both the driver and passengers of the insured vehicle. It is not included in the base MTPL. Benefits are calculated using the NNW body-injury table in Chapter XV of the OWUK.

Ubezpieczamy następstwa nieszczęśliwego wypadku kierowcy i pasażerów pojazdu.

[101] Bodily injury liability: PLN 29,876,400 ↩

Warta is liable up to the statutory guarantee sum of PLN 29,876,400 per event regardless of the number of injured parties (equivalent to EUR 5,210,000 per Art. 36 of the Mandatory Insurance Act). For events in other covered countries, Warta is liable up to the guarantee sum stipulated by that country's law, not less than the above minimum.

Pokrywamy roszczenia poszkodowanych przez Ciebie w wypadku aż do 29 876 400 złotych w przypadku szkód na osobie, czyli np. urazów ciała czy śmierci wskutek wypadku.

[102] Property damage liability: PLN 6,021,600 ↩

Warta is liable up to the statutory guarantee sum of PLN 6,021,600 per event regardless of the number of injured parties (equivalent to EUR 1,050,000 per Art. 36 of the Mandatory Insurance Act). Covers damage to other vehicles, property, road infrastructure caused by the insured driver.

Do 6 021 600 złotych odpowiadamy za zniszczone przez Ciebie mienie, np. inne auto, dom, infrastrukturę drogową.

[103] Legal defence: Excluded ↩

Legal defence is not included in the base MTPL policy. It may be available as a separate voluntary product.

[104] Green card: Optional ↩

The base OC policy covers events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement. A Green Card (Zielona Karta) is a separate certificate required for travel to Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. It can be obtained from Warta upon request.

Albania, Azerbejdżan, Maroko, Mołdawia, Macedonia, Tunezja, Turcja, Ukraina. Więcej o procedurach i zasadach dotyczących OC komunikacyjnego za granicą na stronie www.pbuk.pl

[105] Passenger accident: Excluded ↩

Personal accident cover for passengers is not included in the base MTPL policy. Available as a separate voluntary NNW product.

[106] Bodily injury liability: PLN 29,876,400 ↩

Compensation is paid within the limits of civil liability of the vehicle owner or driver, up to the guaranteed sum. The minimum guaranteed sum for bodily injury is 29,876,400 PLN per event, regardless of the number of injured parties. This is the statutory minimum per Art. 36 of the Polish compulsory insurance law as applicable from 2024 onwards.

1) 29 876 400 złotych w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych − w przypadku szkód na osobie;

[107] Property damage liability: PLN 6,021,600 ↩

Compensation is paid within the limits of civil liability of the vehicle owner or driver, up to the guaranteed sum. The minimum guaranteed sum for property damage is 6,021,600 PLN per event, regardless of the number of injured parties. This is the statutory minimum per Art. 36 of the Polish compulsory insurance law as applicable from 2024 onwards.

2) 6 021 600 złotych w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych − w przypadku szkód w mieniu.

[108] Legal defence: Covered ↩

Within the guaranteed sum limits, the insurer covers: justified costs incurred to prevent the increase of damage; necessary defence costs in criminal proceedings and legal representation costs in civil proceedings, undertaken on the insurer's instruction or with the insurer's consent.

Ubezpieczenie obejmuje, w granicach sumy gwarancyjnej, zwrot: uzasadnionych okolicznościami zdarzenia kosztów poniesionych w celu zapobieżenia zwiększeniu szkody; niezbędnych kosztów obrony w postępowaniu karnym i kosztów zastępstwa prawnego w postępowaniu cywilnym, podjętych na polecenie lub za zgodą Compensy.

[109] Green card: Optional ↩

Optional cover extending liability to countries outside the Multilateral Agreement that require the International Motor Insurance Certificate (Green Card). Countries covered: Albania, Azerbaijan, Iran, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine. Minimum contract period: 15 days. The guaranteed sum equals the applicable legal minimum of the country of the event, not lower than Polish statutory minimums. The Green Card certificate is issued for the duration of cover.

ZK – państwa, w których jest wymagane posiadanie Zielonej Karty (Albania, Azerbejdżan, Iran, Maroko, Mołdawia, Macedonia, Tunezja, Turcja i Ukraina);

[110] Passenger accident: Optional ↩

The NNW cover in Pakiet AUTO applies to the driver and passengers of the vehicle as listed in the registration document. The sum insured applies separately to each insured person. It is an optional add-on purchased alongside OC. Basic scope mirrors driver cover: permanent health impairment benefit, death benefit, medical costs, auxiliary device costs, funeral costs. Sum insured up to 50,000 PLN and higher depending on selected option. Coverage in Poland and European countries.

Na postawie załącznika nr 9 do OWU, Compensa obejmuje ochroną ubezpieczeniową kierowcę i pasażerów pojazdu wymienionego w umowie ubezpieczenia, w liczbie określonej w dowodzie rejestracyjnym.

[111] Bodily injury liability: Not established from the insurer's documents ↩

Mandatory cover for bodily injury caused to third parties in connection with vehicle use. The insurer's liability is capped at the statutory guarantee sum of EUR 5,210,000 per claim for bodily injury, as confirmed by the insurer's partner page and based on the Act of 22 May 2003 on compulsory insurance.

OC chroni ubezpieczonego kierowcę na wypadek szkód, które wyrządzi innym uczestnikom ruchu drogowego – odpowiedzialność ubezpieczyciela zamyka się w kwocie 1 050 000 euro w przypadku szkód na mieniu i 5 210 000 euro w przypadku szkód na zdrowiu poszkodowanych.

[112] Property damage liability: Not established from the insurer's documents ↩

Mandatory cover for property damage caused to third parties in connection with vehicle use. The insurer's liability is capped at the statutory guarantee sum of EUR 1,050,000 per claim for property damage, as confirmed by the insurer's partner page and based on the Act of 22 May 2003 on compulsory insurance.

OC chroni ubezpieczonego kierowcę na wypadek szkód, które wyrządzi innym uczestnikom ruchu drogowego – odpowiedzialność ubezpieczyciela zamyka się w kwocie 1 050 000 euro w przypadku szkód na mieniu i 5 210 000 euro w przypadku szkód na zdrowiu poszkodowanych.

[113] Legal defence: See details ↩

Legal defence cover is not offered as part of the You Can Drive MTPL product. No such coverage was found in the verified sources.

[114] Green card: Covered ↩

The You Can Drive policy includes civil liability coverage outside Poland in countries whose national bureaux are signatories to the Multilateral Agreement (Green Card system). Settlement of claims abroad follows the law of the country of the event. The Green Card certificate extends MTPL protection to Green Card signatory states.

Ochroną ubezpieczeniową z tytułu Ubezpieczenia Zielona Karta objęta jest odpowiedzialność cywilna każdej osoby, która kierując pojazdem w okresie trwania odpowiedzialności ubezpieczeniowej wyrządziła szkodę w związku z ruchem tego pojazdu poza granicami Polski, na terytorium państw, których biura narodowe w dniu zawarcia umowy ubezpieczenia są sygnatariuszami Porozumienia Wielostronnego, o którym mowa w Ustawie OC.

[115] Passenger accident: PLN 10,000 – PLN 25,000 ↩

Personal accident cover for driver and passengers is not included in the MTPL policy. It is available as an optional paid add-on (NNW Kierowcy i Pasażerów) with selectable sums insured per person of PLN 10,000, PLN 15,000, PLN 20,000, or PLN 25,000. The same benefits apply as for NNW Kierowcy. Coverage is worldwide.

Ubezpieczenie Następstw Nieszczęśliwych Wypadków Kierowcy i Pasażerów 10 000 zł na osobę 15 000 zł na osobę 20 000 zł na osobę 25 000 zł na osobę