Credit Agricole Towarzystwo Ubezpieczeń Spółka Akcyjna
Credit Agricole
Credit Agricole is a motor third-party liability insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Claims are settled and compensation paid within 30 days of notification of the insured event, provided all required documents are submitted. If liability cannot be established within 30 days, payment is made within 14 days of establishing liability. Compensation under Moto AC is paid in gross amount. Costs for windscreen repair are paid directly to the partner workshop.
Geographic scope
Poland and European countries (excluding Russia, Belarus, Ukraine, Moldova)
Coverage applies to events in Poland and European countries or their European parts, excluding Russia, Belarus, Ukraine and Moldova. For Zielona Karta (Green Card), coverage extends to all countries in the Green Card system.
Unique selling points
- Free basic roadside assistance (Moto Assistance Podstawowy) included in the Moto OC price, covering towing up to 200 km across Poland and Europe after accidents and collisions.
- NNW personal accident cover with the highest available sum insured on the Polish market – up to 500,000 PLN per person per event – with transparent fixed benefit amounts listed in the injury table.
- Policy can be purchased up to 90 days before the start of the coverage period, and is available digitally via the CA24 Mobile banking app without visiting a branch.
- Optional 'no surcharge for one claim' clause (for both OC and AC) guarantees renewal premium will not increase due to a single claim, with any rise capped at the official GUS inflation index.
- Up to 1,500 PLN compensation for a child safety seat damaged in an insured event, included within the Moto AC sum insured without requiring separate declaration.
Coverage limits
Bodily Injury Liability (mandatory OC)
Covered
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.
Property Damage Liability (mandatory OC)
Covered
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.
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.
Green Card (International Motor Insurance Certificate)
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.
Roadside Assistance (Moto Assistance)
Conditional
Moto Assistance Podstawowy (Basic) tier is included in the price of Moto OC, covering towing of the insured vehicle up to 200 km in Poland and Europe (excluding Moldova, Belarus, Ukraine and Russia) after accident/collision, and towing of the third-party vehicle up to 100 km in Poland. Higher-tier variants (Podstawowy Plus, Standardowy, Premium) are optional upgrades offering extended towing distances, replacement vehicles, hotel accommodation, return travel, and European coverage. Tier limits from Table 5 (OWU pt. 122): Podstawowy – towing PL 200 km, no replacement vehicle; Podstawowy Plus – towing PL 100 km, replacement car max class C up to 3 days; Standardowy – towing PL 400 km / EU 400 km, replacement car max class D up to 5 days; Premium – towing PL unlimited / EU 1,000 km, replacement car max class E up to 8 days.
Driver Accident Insurance (Moto NNW)
Optional
Optional personal accident insurance (Moto NNW) covering the driver and passengers of the insured vehicle. Covers permanent health impairment and death resulting from an accident during vehicle use, boarding/alighting, loading/unloading, parking or roadside repair. Three selectable sum insured tiers per event per person: 100,000 PLN, 300,000 PLN, or 500,000 PLN. Death benefit is 50% of the sum insured. Benefit scale based on injury table (Table 7 of OWU). Also covers death of a transported pet (up to 2,000 PLN per animal).
Passenger Accident Insurance (Moto NNW)
Optional
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.
Key conditions
Territorial scope
Coverage applies to events in Poland and other European countries or their European parts, excluding Russia, Belarus, Ukraine and Moldova (OWU pt. 5). For Green Card, events in countries party to the Green Card system are covered (OWU pt. 6). For Moto Szyby (windscreen), repair is organised exclusively in Poland (OWU pt. 84).
Green card rules
Green Card (Zielona Karta) is an optional separate contract that can only be taken out if an existing Moto OC policy is in force on the same vehicle (OWU pt. 169). It covers civil liability for damage to third parties caused by the vehicle outside Poland, in countries listed in the Green Card certificate. The guarantee sum is at least equal to the Polish mandatory OC minimum sums. Coverage begins upon crossing the Polish border. The policy can be concluded for a minimum of 15 days and maximum of 12 months. The physical Green Card document must be carried and shown to control authorities on demand (OWU pt. 176).
Driver restrictions
The Ubezpieczający (policyholder) must be an adult natural person who cannot conclude the contract in connection with conducted business activity (OWU glossary). The vehicle must be owned by natural persons for the Moto AC component (OWU pt. 4a iii). Driving under the influence of alcohol, narcotics or psychotropic substances is a general exclusion unless it had no influence on the event (OWU pt. 191d). Driving without a valid licence or after licence suspension is excluded (OWU pt. 191i).
Claim notification deadline
Accidents (damage/collision): notify the insurer as soon as possible, no later than 7 business days from the occurrence (OWU pt. 49e). Vehicle theft: notify police within 2 days of discovering the theft and the insurer within 2 days of learning about it (OWU pt. 51a–b). NNW accidents: notify within 7 days unless health condition prevents it (OWU pt. 115). Assistance alarm centre must be notified immediately for assistance services (OWU pt. 141).
Bonus-malus rules
Standard bonus-malus rules apply as per Polish mandatory insurance regulations. Optional additional clauses available: 'Brak zwyżki za jedną szkodę z Moto OC ppm' – for an additional premium, guarantees that one claim during the policy period will not result in a premium increase at renewal (increase limited to CPI inflation index published by GUS) (OWU pt. 60–63). 'Brak zwyżki za jedną szkodę w Moto AC' – same protection for the AC component (OWU pt. 64–67).
Policy specifics
Motor Third-Party Liability (OC) - Mandatory Component
Mandatory third-party liability insurance for vehicle owners covering damage caused to third parties; required to be purchased as a mandatory component of Pakiet Moto
Moto Assistance Basic Package - Included Benefit
Free basic assistance package included in Moto OC price covering towing up to 200 km in Poland and Europe and 100 km for third-party vehicle in Poland
Vehicle Value Eligibility Limits
For Moto AC (comprehensive coverage), insured vehicle value must be minimum 10,000 PLN and maximum 500,000 PLN as of the day preceding policy inception
Territorial Coverage - Multilateral Agreement
Coverage applies in Poland and in countries that are parties to the Multilateral Agreement (EEA countries, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, Switzerland, United Kingdom)
Standard Policy Duration
Insurance contracts for Moto AC, Moto Szyby, Moto NNW, Moto Assistance, and Moto Opony are concluded for 12-month periods
Moto Assistance Podstawowy – Included in Moto OC Price
The basic assistance package (Moto Assistance Podstawowy) is included free of charge in the price of Moto OC. It covers towing of the insured vehicle up to 200 km in Poland and Europe (excluding Moldova, Belarus, Ukraine and Russia) after accident/collision, and towing of the third-party vehicle up to 100 km in Poland. No replacement vehicle is provided in this basic tier.
Mandatory OC for Voluntary Components
All voluntary insurance components (Moto AC, Moto Szyby, Moto NNW, etc.) require simultaneous conclusion of mandatory Moto OC insurance on the same vehicle
Vehicle Age Limit for Standard and Plus Variants
For Moto AC in Basic Plus and Standard variants, insured vehicle must not be older than 15 years at the time of policy inception
Permitted Vehicle Registration Types
For Basic, Basic Plus, and Standard variants, vehicle must be registered as commercial (dostawczy) with total permissible mass (DMC) up to 3.5 tonnes; passenger vehicles and commercial vehicles with DMC up to specified limits are eligible
Repair Network and Cost Settlement Conditions
Partial damage claims are settled based on cost estimates from partner workshops, non-authorized workshops, or ASOs (depending on AC variant selected); repair costs documented by invoices