Concordia Polska Towarzystwo Ubezpieczeń S.A. (part of Generali Group)
Concordia Ubezpieczenia
Concordia Ubezpieczenia is a motor third-party liability insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Concordia participates in the Direct Damage Settlement system (BLS – Bezpośrednia Likwidacja Szkód) since 1 April 2015 under an agreement of the Polish Insurance Chamber (PIU), allowing the injured party to claim compensation directly from their own insurer.
Geographic scope
Nationwide – Republic of Poland
Mandatory OC covers third-party liability arising from vehicle use in Poland and in Green Card member states (via the separate ZK add-on). Basic ASK assistance covers events in Poland only; Standard/Premium ASK covers Europe (excluding Moldova) for cars and vans.
Unique selling points
- Basic roadside assistance (ASK Basic) is automatically included at no extra charge with every OC policy, covering on-site repair, towing up to 50 km, and guarded parking.
- Participation in the Direct Damage Settlement (BLS) system since 2015, allowing injured parties to file claims directly with their own insurer for faster compensation.
- Optional Legal Protection (OPK) add-on with a 100,000 PLN sum insured per event covers attorney fees, court costs, bail bonds and more for vehicle-related legal disputes in Poland and across Europe.
- Premium ASK variant offers towing up to 300 km (when bundled with ACK casco), replacement vehicle for up to 15 days in case of theft, and hotel accommodation in a 3-star hotel – significantly above the minimum market standard.
- BM protection clause available as an optional add-on for both OC and AC, preventing the first claim in a policy year from downgrading the customer's no-claims discount class.
Coverage limits
Bodily Injury Liability (statutory guarantee sum)
Covered
Covers third-party personal injury claims arising from a covered vehicle's use. The statutory guarantee sum per single event (regardless of number of injured parties) is 29,876,400 PLN (approx. 6.45 million EUR at the NBP exchange rate on the day of loss), as set by the Act of 22 May 2003 as amended effective 6 November 2024. Concordia's liability equals this statutory limit per Art. 36 para. 1 of the mandatory insurance statute.
Legal Protection (OPK) – optional add-on
Optional
Optional Legal Protection insurance (OPK) available in two variants: Variant I (Legal Advice only) and Variant II (Legal Advice and Legal Protection). Variant II sum insured: 100,000 PLN per event with a 25,000 PLN sub-limit for criminal bail costs. Covers attorney fees, court costs, enforcement costs, administrative proceedings costs, expert fees and travel to foreign courts. Coverage territory: Poland and Europe (excluding Russia, Ukraine, Belarus, Albania, Moldova and Asian part of Turkey) for legal protection; Poland only for legal advice.
Green Card (ZK) – International Motor Insurance Certificate
Optional
Optional add-on (ZK) covering civil liability for damages caused to third parties in connection with vehicle use in countries whose national bureaux are signatories of the Uniform Agreement between National Bureaux (Internal Regulations). The guarantee sum equals the applicable statutory minimum of the country of the event, but not less than the sum set in the policy. Minimum duration 15 days, maximum 12 months. Insurer's liability begins at the moment of crossing the Polish border.
Auto Assistance (ASK) – Basic included free with OC; Standard/Premium optional
Covered
The Basic ASK variant is automatically included at no extra charge simultaneously with the OC policy for the same period (§41 para. 7.1). It covers: on-site vehicle repair, towing up to 50 km from the event location, guarded parking (up to 3 days), towing of the third-party damaged vehicle up to 50 km (when included with OC), and information services. Sum insured: 5,000 PLN per event (upgradeable to 20,000 PLN on request). Standard and Premium variants with extended towing limits (100 km / 200–300 km), replacement vehicle, travel continuation, accommodation, and Europe-wide cover for cars and vans are available as paid optional extensions.
Driver and Passenger Accident Insurance (NWK) – optional add-on
Optional
Optional accident insurance (NWK) covering permanent health impairment or death of the driver resulting from a traffic accident. Basic sum insured agreed between policyholder and insurer. Optional additional benefits (driver only, additional premium required): life insurance 50,000 or 100,000 PLN; hospital stay benefit 1,500 or 3,000 PLN; loss of earning capacity 50,000 or 100,000 PLN. Coverage territory: Europe.
Passenger Accident Insurance (NWK) – included within NWK add-on
Optional
Passengers are covered under the same NWK policy as the driver for basic benefits (death and permanent health impairment). The sum insured per person is the contractual sum multiplied by the number of seats and divided by actual number of occupants when overcrowded. Total payout for all occupants cannot exceed the contractual sum multiplied by number of seats. Optional additional benefits (hospital stay, loss of earning capacity, life) apply to the driver only.
Key conditions
Territorial scope
The mandatory OC (MTPL) covers third-party liability arising from vehicle use throughout the Republic of Poland. Extended Green Card (ZK) coverage is available as an optional add-on for use in countries whose national bureaux are signatories of the Uniform Agreement between National Bureaux. The insurer's liability under ZK begins at the moment the Polish border is crossed. For events in countries other than Poland, Concordia pays up to the mandatory minimum of the country of the event, but not less than the Polish statutory guarantee sum.
Green card rules
The Green Card (ZK) is an optional separate add-on to the OC policy, confirmed by an International Motor Insurance Certificate. It must be carried and presented to control authorities on demand during foreign travel. Without a separate ZK agreement, international coverage beyond Poland is not automatically included in the standard OC policy. Duration: minimum 15 days, maximum 12 months. Upon termination, the original Green Card certificate must be returned to the insurer.
Driver restrictions
Any person authorized by the vehicle holder to drive the insured vehicle is covered as a driver. The insurer has a right of recourse against the driver if the driver: caused damage intentionally or under the influence of alcohol or drugs; obtained the vehicle through a criminal act; lacked required driving authorization (except in cases of life-saving or pursuit after a crime); or fled the scene of the event.
Claim notification deadline
For claims under the Green Card (ZK), the insured or driver must notify Concordia in writing within 14 days of the date of the event, providing the circumstances and available evidence. For claims directed against the insured, immediate notification (no later than 14 days) is required upon receipt of a claim or summons. Failure to notify does not release the insurer from liability towards the injured third party, but the insured may be required to reimburse amounts the insurer would not otherwise have paid.
Bonus-malus rules
The Bonus-Malus (BM) class system is used to determine premium discounts or surcharges based on the claims history of the insured vehicle or the named insured/lessee. The BM class for OCK (MTPL) is tracked separately from the ACK (Casco) class. An optional 'BM protection clause' is available for an additional premium, under which the first loss event in a policy year is not counted against the BM class for purposes of premium calculation. For Green Card (ZK) and OC, the BM protection clause does not apply if the age of the at-fault driver is younger than the declared minimum driver age bracket at policy inception.
Where to buy
Documents
Concordia Auto – General Insurance Terms and Conditions (OWU AUTO/OWU/18/08, effective 16 July 2018)
terms_and_conditions
Policy specifics
Direct Damage Settlement (BLS)
System allowing the injured party to claim compensation directly from their own insurer instead of the perpetrator's insurer
Basic Auto Assistance
Complimentary roadside assistance included with basic OC coverage, includes vehicle repair at scene, towing up to 50 km, parking, and information support
Optional Assistance Extensions (Standard/Premium)
Extended roadside assistance available in Standard and Premium variants with additional benefits such as replacement vehicle, accommodation costs coverage, towing up to 1000 km
Legal Basis - Mandatory Insurance Statute
OC is provided under the Act of May 22, 2003 on Mandatory Insurance, Insurance Guarantee Fund and the Polish Motor Bureau
Guarantee Limits per Single Loss Event
As of June 11, 2012: 1,000,000 EUR for property damage and 5,000,000 EUR for personal injury claims per single event
24/7 Coverage Operation
OC insurance operates continuously and covers liability events occurring at any time of day or night
Standard 12-Month Contract Period
OC insurance contracts are typically concluded for a 12-month period
Premium Payment Before or at Coverage Start
Premium payment is a key obligation; failure to pay on time can result in contract termination
Current Statutory Guarantee Sums (since 6 November 2024)
Per the amended Act (effective 6 November 2024): bodily injury 29,876,400 PLN per single event regardless of number of injured parties; property damage 6,021,600 PLN per single event regardless of number of claimants. These limits are uniform across all Polish MTPL insurers and are computed at the NBP average exchange rate on the day of loss.