Balcia Insurance SE European Company Branch in Poland

Territorial scope

MTPL covers events occurring in Poland and, under the standard Green Card system, in all countries whose national bureaux are signatories to the Multilateral Agreement. Green Card is required additionally for travel to non-EU countries such as Albania, Belarus, Bosnia, Iran, Israel, North Macedonia, Morocco, Moldova, Russia, Montenegro, Tunisia, Turkey, and Ukraine. During policy configuration the customer may choose Poland only or Europe (with exclusions including Belarus, Moldova, Ukraine, and European Russia unless otherwise agreed).

Green card rules

The Green Card is an international insurance certificate confirming MTPL coverage for travel abroad within the Green Card System countries. It is available as a separate product from Balcia and covers costs of damage caused to third parties arising from vehicle movement outside Poland, within Green Card System member countries.

Driver restrictions

MTPL covers any person driving the insured vehicle during the coverage period who causes damage connected with vehicle movement. No specific age or experience restrictions beyond general legal driving requirements apply. Coverage does not apply if the driver was under the influence of alcohol, drugs or psychotropic substances where this influenced the occurrence of the insured event.

Claim notification deadline

Claims should be reported as soon as possible after the incident via the Balcia mobile app, website or by phone. Required information includes the date, time, location of the incident, description of events and third-party information. The insurer will assess liability and issue a decision within 7 days of receiving all required documents; where circumstances cannot be established in the statutory period, the undisputed portion of compensation is paid within 30 days of claim notification.

Bonus-malus rules

Balcia applies a bonus-malus system to MTPL pricing, adjusting the premium based on the individual claims history of the policyholder. Discounts (bonus) are granted for claim-free years and surcharges (malus) apply following at-fault claims. The specific tariff classes and percentage adjustments are defined in Balcia's internal tariff schedule. Claims history is verified through the Insurance Guarantee Fund (UFG) database.

Territorial Scope

MTPL coverage can be selected as Poland only or Europe (with specific country exclusions including Belarus, Moldova, Ukraine, and European part of Russia unless agreed otherwise)

Mandatory Insurance Requirement

MTPL is compulsory motor insurance for all motor vehicles (cars, electric vehicles, motorcycles) participating in road traffic in Poland, required by law

Coverage Duration

MTPL insurance is concluded for 12 months, except for special cases defined by law

Covered Damages

MTPL covers damage caused to other people's health (death, bodily injury, health deterioration) and property (loss, destruction, or damage) arising from vehicle movement

Payment Options

Premium can be paid as a single lump sum or in up to 12 installments with no additional fees

Deductible

Deductible is the portion of damage (amount or percentage) covered by the policyholder, with the insurer paying the remaining amount

Automatic Renewal

MTPL insurance automatically renews for successive 12-month periods unless the policyholder notifies cancellation to the insurer

Optional Add-ons

MTPL can be purchased together with optional Personal Accident Insurance (NNW) and Assistance services

Claims Reporting

Claims should be reported as soon as possible after the incident via mobile app, website, or insurance broker

Policy Cancellation

Policyholder can terminate MTPL policy at any time via mobile app, website, or email without penalties