ERGO Hestia Motor third-party liability (Ergo 7 Oc)

Direct Loss Settlement (BLS) included at no extra cost: when a third party causes damage to the insured, the claim can be reported directly to ERGO Hestia without contacting the at-fault driver's insurer

Three configurable OC variants (I, II, III) allow customers to add glass insurance, towing, legal assistance, replacement vehicle and no-claims discount protection within a single OC policy

No-Claims Discount Protection for OC (Variant III): one claim during the insurance period does not affect the policyholder's bonus-malus level at renewal

Telephone Legal Adviser (Telefoniczny Asystent Prawny) available 24/7, up to 12 consultations per year on vehicle-related legal matters, included in Variants II and III at no separate charge beyond the OC premium

Driver restrictions

There are no additional driver restrictions beyond those set by the Compulsory Insurance Act. The OWU exclusions for a driver who was after alcohol, intoxicated, under narcotics, without a licence or who left the scene (§23 ust. 1 pkt 6) apply, for OC, only to the additional voluntary coverages bundled with it in Variants II and III (§23 ust. 2); they do not limit the statutory OC liability towards injured third parties.

Section: I. Zakres odpowiedzialności ERGO Hestii > Generalne wyłączenia odpowiedzialności ERGO Hestii > §23

Wyłączenia wskazane w ust. 1, w zakresie Ubezpieczenia OC posiadacza pojazdu, dotyczą jedynie ubezpieczeń dodatkowych.

Claim notification deadline

The insured must notify ERGO Hestia of any loss event promptly (niezwłocznie) after the event or upon learning of it (§33 OWU). ERGO Hestia pays compensation within 30 days of receiving the notification. If circumstances cannot be clarified within 30 days, payment of the undisputed portion must still be made within 30 days, with the remaining amount due within 14 days of clarification. Claims can be filed via the iHestia portal, online form, post, agent, or by phone: 801 107 107 / 58 555 5 555.

Bonus-malus rules

ERGO Hestia applies a bonus-malus system based on insurance history. The premium reflects the insured's prior claim history with ERGO Hestia. Optional add-on 'Ochrona Utraty Zniżki OC' (No-Claims Discount Protection for OC, available in Variant III) protects the insured's current discount level: if one claim is made during the OC insurance period, ERGO Hestia will maintain the current claims-free record level when calculating the next year's premium. Continuous claims-free renewal (no claims in the immediately preceding contract, or gap no greater than 30 days between contracts) qualifies for bonus continuation (§51 OWU).

Territorial scope

Coverage applies in Poland and abroad within the scope of the compulsory motor third-party liability insurance Act (Ustawa OC); Green Card document extends coverage to signatory countries