mtu24.pl Motor third-party liability (Oc Komunikacyjne)

Direct claims settlement (BLS – Bezpośrednia Likwidacja Szkód) lets you report a third-party fault claim directly to mtu24.pl, bypassing the at-fault driver's insurer for faster compensation.

Fully online purchase and policy self-service via the Polisa Online portal – quotes, payment and policy management available 24/7 without visiting an agent.

Flexible premium payment: choose between a single payment or instalments (2×, 4× or 12× per year) to fit your budget.

Over 30 years of ERGO Hestia group experience and recognition as Poland's most innovative financial institution (Polish Programme for Quality of Service award).

Driver restrictions

The insured vehicle is defined as a vehicle registered in Poland as a passenger car, cargo/passenger or off-road vehicle with payload up to 850 kg, and must not be subject to a leasing agreement. Coverage is excluded if: (a) the driver was under the influence of alcohol (BAC >0.5‰ or breath alcohol >0.25 mg/dm³) or drugs at the time of the incident and was authorised to use the vehicle, unless this had no causal link to the damage; (b) the driver left the scene of the accident and was authorised to use the vehicle, unless this had no causal link to the damage; (c) the driver did not hold the required driving licence at the time of the incident and was authorised to use the vehicle, unless this had no causal link to the damage (§17 OWU). Cover is also excluded for vehicles used for business purposes (except sole traders' vehicles), for racing/test driving, for vehicles with tampered safety-system memory, and during mandatory military or police requisition.

Claim notification deadline

The insured must notify ERGO Hestia of a loss immediately after it occurs or after becoming aware of it (§26 OWU). Notification can be made by phone (58 555 50 50), via the Polisa Online portal, via the website form, in writing to the registered office, or electronically. ERGO Hestia pays compensation within 30 days of receiving the claim notification, or within 14 days after the date on which circumstances necessary to determine liability could have been established with due diligence (with the undisputed portion paid within 30 days in any case). If the insured wilfully or through gross negligence fails to notify ERGO Hestia promptly and this contributed to an increase in the loss or prevented ERGO Hestia from establishing the circumstances of the event, ERGO Hestia may reduce the compensation accordingly.

Bonus-malus rules

The premium for the compulsory MTPL (OC) is calculated on the basis of risk profiling that takes into account the historical number of claims: the more claims in the insurance history, the higher the premium. For automatic OC renewal, the premium is recalculated based on data from the previous policy term, with the number of claims as the primary risk factor. Policyholders with many claim-free years benefit from significant discounts. The insurer uses data from the Central Vehicle Register (CEPiK) and other databases to verify the insurance history.

Territorial scope

Compulsory MTPL covers Poland; Green Card covers countries whose national bureaux are signatories of the Multilateral Agreement as of the contract date; AC Mini and AC Theft limited to Poland; AC Damage and Theft / AC Elements cover Europe, Algeria, Morocco, Tunisia, Israel and Iran