Direct ubezpieczenia Motor third-party liability (Oc Komunikacyjne)

Basic roadside assistance (towing up to 150 km) is included in the MTPL premium at no extra charge, unlike many competitors who sell it separately.

100% online purchase process — from quote to policy issuance — with no need to visit an agent or office.

Claims can be reported online 24/7 via the digital portal at panel.unext.pl, with a dedicated case tracking number provided immediately.

Part of the Direct Group, a Central European insurer with over 500,000 customers in the Czech Republic, bringing proven digital motor insurance expertise to the Polish market.

Driver restrictions

No specific driver age or experience restrictions are stated in the publicly available product materials for this MTPL product, which is a compulsory insurance. Any driver of the insured vehicle who is licensed to drive it is covered as required by Polish compulsory insurance law. Specific exclusions (e.g. driving under the influence) apply as per the statutory provisions of the Act on Compulsory Insurance.

Claim notification deadline

For damages occurring in Poland, the claim must be reported within 5 business days of learning about the event. For damages occurring abroad, the claim must be reported within 5 days of crossing back into Poland. Additional deadlines may apply in specific circumstances as defined in the OWU.

Bonus-malus rules

Direct ubezpieczenia applies a bonus-malus system for MTPL pricing. Policyholders accumulate no-claims discounts for each claim-free year, reducing their premium. A claim during the policy year results in a malus (premium surcharge) at renewal. Bonus-malus history is portable between insurers in Poland. Specific tariff classes and discount percentages are determined individually at the time of quotation based on the policyholder's claim history.

Territorial scope

Poland and all EU member states, plus the EFTA states (Iceland, Liechtenstein, Norway, and Switzerland), Andorra, Bosnia and Herzegovina, Serbia, Montenegro, and the United Kingdom (Multilateral Agreement signatories). Green Card extension available for additional non-Multilateral-Agreement countries at extra cost.