Direct pojišťovna a.s. Joint Stock Company Branch in Poland
Direct Ubezpieczenia
Direct Ubezpieczenia is a motor third-party liability insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
Claims can be submitted online via the UNEXT portal or by phone (+48 22 123 55 55). After assessment, Direct Ubezpieczenia pays the claimant directly or, in the case of cashless repair, transfers funds directly to the cooperating repair workshop.
Geographic scope
Poland and EU member states under Green Card system
Mandatory OC coverage applies across Poland and all EU/EEA member states and associated territories under the multilateral Green Card agreement. Countries outside the Green Card system (e.g. non-EEA) require an optional Green Card add-on.
Unique selling points
- Basic roadside assistance (150 km towing within Poland) is included as standard with the OC policy at no extra charge — many competitors offer it only as a paid add-on.
- Fully digital purchase and claims process — policy can be bought, managed, and claims can be filed entirely online without visiting an agent or branch.
- No kilometre deductible on basic assistance — roadside help is available even when the vehicle breaks down at the insured's home address.
- Optional Green Card add-on available for travel outside the multilateral Green Card agreement zone, issued alongside the OC policy for a seamless coverage extension abroad.
- Part of the established Direct Group (Czech Republic), with over 500,000 customers in Central and Eastern Europe and a regulated Polish branch supervised by the Czech National Bank (CNB).
Coverage limits
Bodily Injury Liability (Suma Gwarancyjna – Personal Injury)
Covered
Statutory maximum guarantee sum for personal injury liability per event, as mandated by Polish compulsory insurance law (art. 36 of the Act on Compulsory Insurance), updated from 6 November 2024 in line with the revised EU Motor Insurance Directive. The same limit applies to all Polish MTPL insurers.
Property Damage Liability (Suma Gwarancyjna – Property)
Covered
Statutory maximum guarantee sum for property damage liability per event, as mandated by Polish compulsory insurance law, updated from 6 November 2024. The same limit applies to all Polish MTPL insurers.
Legal Defence
Excluded
Legal defence / legal cost coverage is not mentioned as part of the Direct Ubezpieczenia OC product offering in any reviewed source. It is not included in the standard MTPL policy.
Green Card (Zielona Karta)
Optional
An optional confirmation document proving OC insurance coverage for travel in countries that are members of the Green Card system but not signatories to the multilateral agreement (i.e. non-EU/EEA countries). Available as an add-on to the OC policy for an additional fee. The Green Card policy period cannot exceed the OC policy period.
Roadside Assistance – Basic Poland Package
Covered
Basic roadside assistance is included as standard with the OC policy, covering: vehicle repair at the scene of the accident, towing up to 150 km within Poland, and telephone information support. No kilometre deductible applies – assistance can be requested even at the insured's home address. The assistance coverage sum is 2,000 PLN. Extended variants (Standard, Komfort, Super) covering Europe are available as optional paid add-ons.
Driver Accident Cover (NNW Kierowcy)
Optional
Personal accident insurance for the driver (NNW) is an optional add-on to the OC policy, covering permanent consequences of an accident including death, bodily injury, or health impairment. The sum insured is 10,000 PLN.
Passenger Accident Cover (NNW Pasażerów)
Optional
Personal accident insurance for passengers (NNW) is offered as part of the optional NNW add-on covering both driver and passengers against permanent consequences of accidents including death, bodily injury, or health impairment. The sum insured is 10,000 PLN.
Key conditions
Territorial scope
Mandatory OC coverage is valid in Poland and all EU/EEA member states and Switzerland under the multilateral Green Card agreement. Coverage in countries that are members of the Green Card system but not signatories to the multilateral agreement (e.g. certain non-EU countries) requires an optional Green Card document, available as a paid add-on.
Green card rules
The Green Card is an optional add-on document issued upon request for an additional fee. It confirms OC coverage for travel in Green Card member countries not covered under the multilateral agreement. Its validity period cannot exceed the underlying OC policy period. After a vehicle sale, the Green Card does not transfer to the new owner along with the OC policy.
Driver restrictions
There are no stated age or experience restrictions on who may drive the insured vehicle under the standard OC policy — Polish statutory MTPL law requires coverage for any driver of the vehicle. Individual pricing may reflect the primary driver's age, driving history, and no-claims record retrieved from the UFG database.
Claim notification deadline
Claims must be reported as promptly as possible after the incident. Direct Ubezpieczenia accepts claims online via the UNEXT portal, by phone at +48 22 123 55 55, or in person at an agent. Under Polish law (Act on Compulsory Insurance), the insurer must issue a decision within 30 days of receiving the claim notification, or within 14 additional days if circumstances require extended investigation, with an absolute maximum of 90 days.
Bonus-malus rules
Direct Ubezpieczenia applies a claims history-based pricing model (bonus-malus system). Premiums are individually calculated based on the policyholder's no-claims history as verified through the UFG (Insurance Guarantee Fund) database. Each claims-free year results in a discount; any at-fault claim leads to a reduction in the accumulated no-claims discount for the subsequent policy period. The exact bonus-malus table is not publicly disclosed but follows standard Polish market practice.
Where to buy
Documents
Direct Ubezpieczenia – Motor T&C Documents Page (OWU komunikacyjne, effective from 2 February 2026)
terms_and_conditions
Direct Ubezpieczenia – General Terms and Conditions for Motor Insurance (archived/old version)
terms_and_conditions
Direct Ubezpieczenia – General Terms and Conditions for Motor Insurance (April 2025 version)
terms_and_conditions
Direct Ubezpieczenia – Procedure for Concluding and Executing Insurance Contracts (June 2025)
other
Policy specifics
Basic Assistance (Motor Assistance)
Basic roadside assistance included with OC policy covering vehicle repair at scene, towing up to 150 km in Poland, and information support
Statutory Liability Limits (Suma Gwarancyjna)
Coverage limits are set by Polish Act on Compulsory Insurance: €1,050,000 for property damage and €5,210,000 for personal injury
Mandatory Insurance Requirement
OC insurance is mandatory for all vehicle owners registered in Poland with continuous 24/7 coverage requirement
Claims Notification Timeline
Claims must be reported within 5 business days of incident in Poland or within 5 days of border crossing for incidents abroad
Automatic Renewal
OC policy automatically renews for next 12-month period unless written notice of cancellation is provided before expiration
Sources
- https://mubi.pl/ubezpieczyciele/direct-ubezpieczenia/
- https://porownywarka-oc-ac.pl/direct-ubezpieczenia/
- https://rankomat.pl/direct-ubezpieczenia
- https://rankomat.pl/samochod/sumy-gwarancyjne-oc
- https://ubezpieczenia-magro.pl/blog/oc-insurance-in-poland
- https://unext.pl/images/pliki/DIRECT/MOTOR_DIRECT_OGOLNE%20WARUNKI%20UBEZPIECZEN_01.2024.pdf
- https://www.directubezpieczenia.pl/