Generali Motor third-party liability (Oc Posiadaczy Pojazdow Mechanicznych)

International Motor Insurance Certificate (Green Card) issued upon request, valid for all Multilateral Agreement signatory countries.

Optional Discount Protection clause guarantees that one OC claim per year does not reduce the no-claims bonus or increase the premium at renewal.

MTPL can be purchased online, by phone, or through an agent, with instant policy issuance via the generali.pl calculator.

Bonus-Malus discounts for claim-free driving history and additional discounts based on driving licence tenure, with access to the Generali Loyalty Rewards Programme.

Driver restrictions

Coverage is provided for any person driving the insured vehicle during the period of insurance liability who caused damage in connection with the movement of that vehicle. The insurer has the right of recourse against the driver if: the damage was caused intentionally, the driver was under the influence of alcohol or psychoactive substances, the driver did not hold required driving authorisations, the driver illegally entered possession of the vehicle, or the driver fled the scene of the accident.

Claim notification deadline

In the event of an insured event, the participant is obliged to notify the insurer without delay, provide all necessary explanations, and cooperate in establishing the circumstances of the event. The insurer must pay the undisputed part of the benefit within 30 days of receiving notification of the event; if circumstances cannot be clarified within that period, within 14 days of clarification of those circumstances.

Bonus-malus rules

The premium is calculated individually taking into account the Bonus-Malus class reflecting the policyholder's claims history, the duration of the driving licence, the age of the vehicle, engine capacity, and other risk factors. Discounts are granted for claim-free driving history; surcharges are applied for prior claims. An optional Discount Protection clause (Ochrona zniżki z gwarancją ceny) is available, maintaining the no-claims discount and premium level after one OC claim within a 12-month policy period.

Territorial scope

Mandatory coverage applies to the territory of the Republic of Poland; on the basis of reciprocity, also covers events in territories of states whose national bureaux are signatories of the Multilateral Agreement (EU member states, EFTA states, Andorra, Serbia, Montenegro, United Kingdom, Bosnia and Herzegovina).