Beesafe Sp. z o.o.

Territorial scope

Mandatory OC operates in Poland and in all countries whose national bureaus are signatories to the multilateral agreement (EU member states, EFTA states and associated states). For travel to Albania, Azerbaijan, Belarus, Montenegro, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia and Turkey/Ukraine, a Green Card certificate must be obtained in advance. Voluntary covers generally apply in the European parts of EU member states, Albania, Andorra, Belarus, Bosnia and Herzegovina, Montenegro, Iceland, Liechtenstein, North Macedonia, Moldova, Monaco, Norway, Russia, San Marino, Serbia, Switzerland, Turkey, Ukraine, Vatican, UK.

Green card rules

The Green Card certificate (OC/ZK) is required before entering Albania, Azerbaijan, Belarus, Montenegro, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey and Ukraine. The certificate may be issued for a minimum of 15 days and no longer than 12 months. The insured must carry and present the certificate to control authorities upon request in countries where it is required.

Driver restrictions

The policy covers the vehicle owner and any person authorised by the insured to drive the vehicle. Damage caused while driving under the influence of alcohol, drugs or other intoxicants is excluded (if prohibited by law at the place of the event), as is damage caused while driving without required authorisations.

Claim notification deadline

For events in Poland: notify Compensa within 5 business days (2 business days for vehicle theft). For events abroad: notify within 5 days of returning to Poland. For theft or suspected criminal act: notify law enforcement within 12 hours. In case of damage, do not repair or alter the vehicle without Compensa's consent (unless necessary for safety), unless Compensa has not contacted the insured within 7 days of notification to arrange inspection, or inspection has not been conducted within 14 days.

Bonus-malus rules

Premium is calculated based on Compensa's tariff in force at the time of contracting, taking into account: duration of insurance, insured value or selected guaranteed sum, age of the insured, selected variant or option, prior insurance history, number of claims, address of the insured, and other policies held with Compensa. Each insurer applies their own individual bonus-malus classification system based on claims history.

Direct Damage Settlement (BLS)

Optional extension allowing claim settlement directly through Beesafe when third party caused damage, with coverage for towing, parking, vehicle inspections and rental vehicle costs up to 25,000 PLN

Green Card International Coverage

Free Green Card available for travel to Albania, Azerbaijan, Belarus, Croatia, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey, Ukraine when required

Assistance with Health Recovery (Health After Accident)

Optional supplementary coverage providing financial support for medical services, rehabilitation, hospitalization care, and prescription medications following a traffic accident

Mandatory Personal Accident Insurance (NNW) with OC

All OC policies automatically include personal accident insurance for driver (50,000 PLN) and passengers (10,000 PLN each); cannot be purchased separately

Automatic Policy Transfer on Vehicle Sale

Upon vehicle sale, OC policy automatically transfers to new owner; rights and obligations transfer without new contract requirement

12-Month Fixed Policy Term

OC and all optional coverages operate on fixed 12-month terms; cannot be purchased for shorter periods (3, 6, 9 months not offered)

Repair Network Choice (ASO vs Partner Workshops)

AC optional coverage available in two settlement variants: Authorized Service Outlets (ASO) or Partner Workshop network; affects repair approval process and parts sourcing