EINS Polska sp. z o.o.
EINS Polska
EINS Polska is a motor third-party liability insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
EUROINS pays compensation to third-party claimants directly within 30 days of receiving notification of a loss. In cases where full investigation is required, the undisputed portion is paid within 30 days and the remainder within 14 days of establishing liability. Claims can be submitted by phone (+48 22 243 84 84), online via eins.pl, or by email at szkody@eins.pl.
Geographic scope
Poland and European Union member states, plus Andorra, Iceland, Liechtenstein, Norway, Serbia (Multilateral Agreement signatories)
Coverage applies in Poland, all EU member states, and countries that are signatories to the Multilateral Agreement (including Andorra, Iceland, Liechtenstein, Norway, Serbia). Green Card extension available for countries outside this scope that are members of the Green Card System.
Unique selling points
- Statutory guarantee sums of 6,450,000 EUR (bodily injury) and 1,300,000 EUR (property damage) per event, meeting the highest EU-mandated minimums following the November 2024 legislative update.
- 24/7 EUROINS Centrum Pomocy helpline (+48 22 243 84 84) handles claims, roadside assistance requests and customer queries around the clock.
- Full end-to-end online purchase and policy management available at eins.pl with premium payment by card, bank transfer or e-payment with no agent visit required.
- Replacement vehicle service for third-party claimants is organised directly by EUROINS under OC liability, with defined daily rental rate ceilings per vehicle segment to simplify reimbursement claims.
- Broad ecosystem of optional add-ons (EUROINS AUTO: Assistance in 5 tiers, Autocasco in 3 variants, NNW, Bagaż, Opony, Akumulator, Green Card) all purchasable together with the base OC policy from a single insurer.
Coverage limits
Bodily injury liability (guarantee sum)
Covered
Compensation is paid within the statutory guarantee sum of 6,450,000 EUR per event regardless of the number of victims, as established by the Polish Compulsory Insurance Act (amended 6 November 2024). The EUR amount is converted to PLN at the NBP exchange rate on the date of loss. Covers death, bodily injury, health impairment, including damage caused intentionally or through gross negligence by the insured driver.
Property damage liability (guarantee sum)
Covered
Compensation is paid within the statutory guarantee sum of 1,300,000 EUR per event regardless of the number of affected parties, as established by the Polish Compulsory Insurance Act (amended 6 November 2024). The EUR amount is converted to PLN at the NBP exchange rate on the date of loss. Covers destruction, damage or loss of third-party property.
Legal defence
Excluded
Legal defence coverage is not included in the base MTPL (OC) product. EUROINS offers a separate EUROINS Ochrona Prawna (legal protection) add-on available to OC policyholders as an optional voluntary product.
Green Card (international insurance certificate)
Optional
The Polish OC policy automatically covers travel in EU member states and Multilateral Agreement signatory countries (including Andorra, Iceland, Liechtenstein, Norway, Serbia). For travel to non-EU Green Card System member countries not covered by the Multilateral Agreement, the optional EUROINS Zielona Karta product can be purchased. The Green Card is issued for a minimum of 15 days and maximum of 12 months, and the guarantee sum corresponds to the minimum statutory sums of the country where the event occurs, at least equal to the Polish statutory minimums.
Roadside assistance
Optional
Roadside assistance is not included in the base OC (MTPL) policy. It is available as an optional add-on through EUROINS Assistance – Pomoc na drodze, offered in five tiers: Basic (Podstawowy, PLN 5,000 per event, Poland only, up to 2 interventions/year), Extended Poland (Rozszerzony Polska, PLN 10,000, Poland, up to 2 interventions), Extended Europe (Rozszerzony Europa, PLN 10,000, Europe, up to 2 interventions), Maximum (Maksymalny, PLN 25,000, Europe, up to 2 interventions), Maximum PLUS (Maksymalny PLUS, PLN 50,000, Europe, up to 3 interventions). The EUROINS Centrum Pomocy helpline operates 24/7. As a mandatory OC policyholder benefit under liability rules, EUROINS also organises towing of the victim's vehicle after an accident caused by the insured driver.
Driver accident insurance (NNW)
Optional
Driver accident insurance is not included in the base OC (MTPL) policy. It is available as an optional add-on through EUROINS NNW or EUROINS NNW – Dodatkowa Ochrona Kierowcy. EUROINS NNW covers permanent health impairment and death of the driver and passengers resulting from an accident connected with vehicle movement. The insured sum is set by the policyholder. EUROINS NNW – Dodatkowa Ochrona Kierowcy pays 100% of the insured sum when the driver (registered as the vehicle owner) sustains at least 50% permanent health impairment. Available in three sum options: PLN 5,000, PLN 15,000, or PLN 45,000. Purchase of NNW requires holding an EUROINS OC policy.
Passenger accident insurance (NNW)
Optional
Passenger accident coverage is not included in the base OC (MTPL) policy. It is available as an optional add-on through EUROINS NNW, which covers the driver and passengers (up to the number stated in the vehicle registration) for permanent health impairment and death resulting from accidents connected with vehicle movement, including boarding and alighting, loading and unloading, stops and parking, and repairs following a breakdown during a journey. The insured sum is set by the policyholder.
Key conditions
Territorial scope
The MTPL policy covers events occurring in Poland, all EU member states, and countries that are signatories to the Multilateral Agreement (including Andorra, Iceland, Liechtenstein, Norway, Serbia). Events in Russia, Belarus, Ukraine, and Moldova are not covered. For travel to non-EU Green Card System member countries not covered by the Multilateral Agreement, the optional EUROINS Zielona Karta add-on must be purchased.
Green card rules
The standard Polish MTPL policy serves as proof of insurance within EU member states and Multilateral Agreement signatory countries. The optional EUROINS Zielona Karta (Green Card) product extends coverage to non-EU countries that are members of the Green Card System but not signatories of the Multilateral Agreement. The Green Card is issued for a period of no less than 15 days and no more than 12 months. The guarantee sum corresponds to the minimum statutory guarantee sums defined by the law of the country where the event occurred, at least equal to the Polish statutory minimum guarantee sums. The EUR equivalent in PLN is calculated at the NBP mid-rate on the date of loss.
Driver restrictions
The MTPL policy covers civil liability of any person who drives the insured vehicle with the knowledge and consent of the owner or another authorised person, including damage caused intentionally or through gross negligence. Coverage does not apply when the driver was under the influence of alcohol or narcotics (if this influenced the accident), drove without required authorisation, or drove an unregistered or technically unfit vehicle (if this influenced the accident). The insurer retains the right of recourse against the driver in such excluded cases.
Claim notification deadline
The policyholder or insured must report a loss as soon as possible. In the event of an accident involving personal injuries or in circumstances suggesting a criminal offence, police must be notified immediately. In the case of vehicle theft, notification to the police must occur within 12 hours of learning of the theft. For damage occurring abroad, EUROINS must be notified within 7 days of learning of the event, but no later than within 2 business days of returning from abroad. EUROINS must acknowledge and begin investigation within 7 days of receiving the claim notification and issue its decision within 30 days.
Bonus-malus rules
The bonus-malus system is governed by the Polish Compulsory Insurance Act and the UFG (Ubezpieczeniowy Fundusz Gwarancyjny) database. Claim-free periods confirmed in the UFG database are taken into account in premium calculation. Each claim-free year may result in a premium discount of up to 10%. Premium factors include the number of claims in previous insurance periods, years of insurance continuity, age of the owner/primary driver, and years of driving licence held. EUROINS uses a proprietary automated risk assessment algorithm.
Policy specifics
Replacement vehicle provision
EUROINS may provide a replacement vehicle to policyholders who lose use of their vehicle as a result of an insured event under the mandatory OC coverage
Territorial scope of coverage
Coverage applies in Poland, EU member states, and selected countries that are signatories to the Multilateral Agreement (including Andorra, Iceland, Liechtenstein, Norway, Serbia)
Automatic renewal of contract
If the policyholder does not provide written notice of cancellation by one day before the end of the 12-month term, the contract automatically renews for another 12 months
Coverage for intentional or gross negligence damage
The OC insurance covers liability for damage caused intentionally or through gross negligence by the policyholder or driver, which is unusual for mandatory third-party liability
Vehicle class for replacement vehicle costs
Replacement vehicle rental costs are calculated based on specific vehicle class categories defined by EUROINS; policyholder must be able to identify their vehicle class from EUROINS classification list
Statutory guarantee sums
Compensation is paid within the guarantee sums defined by the Polish Compulsory Insurance Act: 350,000 EUR per injured person for bodily injury, 200,000 EUR for property damage per event