
Pevno Motor third-party liability (Oc)
Underwritten by UNIQA Towarzystwo Ubezpieczeń S.A. · Poland
motor third-party liability insurance from Pevno for the Poland market, with online purchase.
Verified Aug 19, 2026 · Terms dated 2026-05-19Sources
Key facts
- Pevno
- Starting price: PLN 322per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Basic Assistance (Podstawowy) with on-site repair and towing is included in the OC package price at no extra charge.
Baggage and child seat insurance with a 5,000 PLN sum insured is included in the OC package price.
Claims can be filed entirely online via pevno.pl or the mojaUNIQA portal, without needing to call a hotline, and claim status is trackable on uniqa.pl.
UNIQA participates in the Direct Loss Indemnification System (BLS), allowing policyholders to handle OC claims directly with their own insurer for accidents in Poland up to 30,000 PLN.
UNIQA received the title of Best Insurance Company awarded by the Leaders of the Financial World competition jury in April 2025, and is rated 4.6/5 by customers.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal Defence (standalone MTPL)
Excluded
No standalone legal defence benefit is included in the MTPL (OC) package. Legal assistance abroad ("Ochrona prawna za granicą") with a lawyer's fee limit of 2,000 EUR and a refundable loan of 2,000 EUR is available only within the optional Assistance Maksymalny variant under Chapter VII of the OWUK, and is therefore not a core MTPL benefit.
Section: VII. Ubezpieczenie Assistance > 2.27 Ochrona prawna za granicą
CAA zorganizuje i pokryje koszty: i) pomocy prawnej w postępowaniu sądowym profesjonalnego pełnomocnika reprezentującego Ubezpieczonego, kierującego pojazdem w chwili wypadku, oraz ii) udzieli nieoprocentowanej pożyczki środków pieniężnych na poczet wpłaty kaucji sądowej, opłat proceduralnych lub kar pieniężnych w postępowaniu sądowym, jeżeli będzie ona wymagana.
Green Card (International Motor Insurance Certificate – ZK)
Optional
Optional civil liability insurance (Chapter VI of OWUK) covering third-party liability arising from the use of the insured vehicle registered in Poland outside Polish borders, in the territories of countries signatory to the Multilateral Agreement as listed in the Green Card. The applicable guarantee sum equals the guarantee sum in force in the country where the incident occurred, but shall not be lower than the OC guarantee sum indicated in the policy. The contract is concluded for a minimum of 15 days and a maximum of 12 months and terminates simultaneously with the termination of the Polish MTPL contract. Coverage begins and ends upon the vehicle crossing the relevant state borders.
Section: VI. Ubezpieczenie Zielona Karta (ZK) > 2. Suma gwarancyjna
Suma gwarancyjna mająca zastosowanie do niniejszej umowy odpowiada wysokości sumy gwarancyjnej obowiązującej w kraju miejsca zdarzenia, jednak nie może być niższa niż suma gwarancyjna obowiązująca w obowiązkowym ubezpieczeniu odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych (OC), wskazana w polisie.
Roadside Assistance (Assistance – Podstawowy/Ekonomiczny/Rozszerzony/Maksymalny/Opony/Samochód zastępczy)
Conditional
Assistance Podstawowy (Basic) is included by default in the OC package at no extra charge, covering on-site repair (up to 300 PLN, accidents only) and towing up to 75 km after an accident. Assistance Ekonomiczny, Rozszerzony and Maksymalny are optional paid upgrades. Limits per tier: Podstawowy – on-site repair 300 PLN (accident only), towing 75 km (accident only); Ekonomiczny – on-site repair 300 PLN (accident+breakdown), towing 100 km, replacement car class B up to 2 days, tyre help 300 PLN or towing 120 km, transport of persons; Rozszerzony – on-site repair 600 PLN, towing 300 km, replacement car class B up to 4 days, tyre help, vehicle unlocking 300 PLN, fuel assistance, overnight accommodation 2 days, parking 4 days; Maksymalny – on-site repair 600 PLN/500 EUR (Poland/EU), towing 500 km, replacement car class C up to 7 days, all Rozszerzony benefits plus hospitalization cover 1,200 EUR, repatriation, vehicle recovery after repair, legal protection abroad 2,000 EUR. Additional standalone variants: Opony (tyre repair/replacement service) and Samochód zastępczy do 5 dni po wypadku (replacement car up to 5 days after accident, class up to C). Maximum 3 assistance events per policy period. Assistance Maksymalny also covers Poland and remaining European countries (excluding Belarus, Moldova, Ukraine); all other variants cover Poland only.
Section: VII. Ubezpieczenie Assistance (Assistance) > Tabela świadczeń i limitów
Naprawa na miejscu zdarzenia tak W limit: 300 zł ... Holowanie pojazdu tak W limit: 75 km
Driver Accident Insurance (NNW)
Optional
Optional personal accident insurance for the driver and passengers under Chapter V of the OWUK. Covers bodily injury (assessed per the NNW injury table in Chapter XIII) and death resulting from an accident arising from vehicle movement, occupancy of the vehicle at a stop, boarding/alighting, or roadside repair. The sum insured is chosen by the policyholder at inception and confirmed in the policy. Benefits: injury benefit as a percentage of the sum insured per the injury table; death benefit equal to the full sum insured if death occurs within 2 years of the accident. Does not cover pain and suffering, material losses, or lost profit claims.
Section: V. Ubezpieczenie następstw nieszczęśliwych wypadków (NNW) > 1. Co ubezpieczamy?
Ubezpieczamy następstwa nieszczęśliwych wypadków kierowcy i pasażerów pojazdu.
Passenger Accident Insurance (NNW)
Optional
Passenger accident cover is included within the same optional NNW product (Chapter V of OWUK) that covers the driver. The NNW insurance covers consequences of accidents for both the driver and passengers of the insured vehicle. Exclusions include: no seatbelt worn during travel, exceeding the registered number of seats, no helmet during motorcycle/moped travel (where causally linked). Passengers travelling with an intoxicated driver are also excluded where a causal link exists.
Section: V. Ubezpieczenie następstw nieszczęśliwych wypadków (NNW) > 4. Za co nie odpowiadamy?
Nie odpowiadamy za następstwa nieszczęśliwych wypadków, jeżeli: a) w chwili wypadku (mającego miejsce podczas jazdy) Ubezpieczony nie miał zapiętych pasów bezpieczeństwa, w które pojazd był wyposażony (chyba że był zwolniony z tego obowiązku), o ile zachodzi związek przyczynowy z powstaniem następstw nieszczęśliwego wypadku;
Key conditions
Driver restrictions
The insurer has the right to seek recourse from the driver/policyholder if the driver: (1) caused damage intentionally or while intoxicated (alcohol, drugs, psychotropic substances); (2) obtained the vehicle by committing a crime; (3) did not hold the required driving licence; (4) fled the scene; (5) used the Green Card after termination of the insurance contract. The voluntary products (AC, NNW, Assistance) include general exclusions for drivers without a valid driving licence and for driving under the influence of alcohol or intoxicants.
Claim notification deadline
For the MTPL (OC) product specifically governed by statute, claim notification follows the requirements of the Act of 22 May 2003. Under the voluntary OWUK products bundled with OC: accident/fire notification – promptly, no later than 7 days from the event; theft notification – no later than 2 days from the day the policyholder became aware; assistance events – no later than 48 hours from the event. Failure to notify in time with wilful intent or gross negligence may result in a reduction of the indemnity if the breach contributed to increasing the loss or prevented determination of the circumstances.
Bonus-malus rules
Premium calculation takes into account the claims history for both MTPL (OC) and optional casco (AC) insurance, including the number of claims reported. An optional "Discount Protection Clause" (Klauzula ochrony zniżek) is available for the OC and/or AC contract for an additional premium: if one OC claim occurs during the policy period, it will not affect the premium for the next OC period; if one OC or one AC claim occurs on a combined OC+AC policy with this clause, it will not affect the next period's premium for the respective product. Second and subsequent claims are still taken into account. The clause's validity period equals the policy period.
Territorial scope
Mandatory cover applies on Polish territory; with optional Green Card (ZK) add-on, cover extends to territories of countries signatory to the Multilateral Agreement as listed in the International Motor Insurance Certificate
Documents
General Terms and Conditions of Motor Insurance Pevno (OWUK) – approved 19 May 2026 (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions of Motor Insurance Pevno (OWUK) – mirror copy (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions of Motor Insurance Pevno (OWUK) – hosted by mubi.pl (opens in a new tab)
Terms & conditions · PDF
Discount Programme Rules (Regulamin programu zniżkowego) (opens in a new tab)
Other document · PDF
Important Documents page on pevno.pl (opens in a new tab)
Other document · PDF
Policy specifics
Green Card (International Motor Insurance Certificate)
Optional coverage for motor third-party liability for damages caused to third parties as a result of vehicle movement outside the territory of Poland, in countries that are signatories to the Multilateral Agreement
SourcePage 2Section: SPIS TREŚCI
V. Ubezpieczenie następstw nieszczęśliwych wypadków (NNW) 17 VI. Ubezpieczenie Zielona Karta (ZK) 19
Basic Assistance (Assistance Podstawowy)
Voluntary insurance bundled with OC package covering basic roadside assistance and emergency services
SourceSection: Zakres pakietu OC > Assistance podstawowy
Oferujemy całodobową pomoc w razie wypadku . Zapewniamy holowanie pojazdu do 75 km od miejsca zdarzenia – w dowolne miejsce w Polsce.
Discount Clause Protection (Klauzula ochrony zniżek)
Optional protection clause where one OC insurance claim does not affect the premium calculation for the next OC insurance period
SourceBasic Assistance (Assistance Podstawowy) included with OC package
Assistance Podstawowy is included by default in the OC package at no additional charge. It covers on-site vehicle repair (labour and call-out costs only, up to 300 PLN) and towing up to 75 km, both available only in the event of an accident (not breakdown). Cover is limited to the territory of Poland only. Maximum 3 assistance events per policy period apply across all Assistance variants combined.
SourcePage 22Section: VII. Ubezpieczenie Assistance (Assistance) > Tabela świadczeń i limitów
Naprawa na miejscu zdarzenia tak W limit: 300 zł tak W, A limit: 300 zł ... Holowanie pojazdu tak W limit: 75 km tak W, A limit: 100 km
Baggage and child seat insurance included in OC package
Not established from the insurer's documents
Per mubi.pl sourced information, baggage and child seat insurance (sum insured 5,000 PLN) is included in the OC package price at Pevno. This cover is governed by Chapter IV of the OWUK and applies to the territory of Poland and other European countries (excluding Russia, Belarus, Ukraine, Moldova for theft). Cover includes damage to baggage/child seats following an accident, theft with the vehicle, theft from the vehicle, and theft from a locked external luggage carrier (roof box, etc.) if broken into.
SourceThird-party source, not the insurer's documentTerritorial scope - Poland and multilateral agreement countries
Not established from the insurer's documents
OC coverage applies to incidents occurring in Poland and, under the rule of reciprocity, in territories of countries that are parties to the Multilateral Agreement (Green Card System)
SourceThird-party source, not the insurer's documentStatutory guarantee sums (minimum liability limits)
Not established from the insurer's documents
Coverage is determined by law: liability limits are set by the Act on Compulsory Insurance and vary depending on the type of damage (bodily injury, property damage) and territory where the incident occurred
SourceThird-party source, not the insurer's documentDirect Loss Indemnification System (Bezpośrednia Likwidacja Szkód - BLS)
System allowing policyholders to file claims with their own insurer (UNIQA/Pevno) rather than the at-fault party's insurer, who then handles all formalities and settlement
SourceSection: Zakres pakietu OC > Bezpośrednia likwidacja szkody
Zgłoś nam szkodę z OC sprawcy , a my zajmiemy się wszystkim za Ciebie. Możesz skorzystać z bezpośredniej likwidacji szkody, jeśli zdarzenie miało miejsce w Polsce, nikt nie został ranny, uczestniczyły w nim tylko dwa pojazdy, a sprawca przyznał się do winy – na przykład poprzez spisanie oświadczenia lub otrzymanie mandatu.
Compulsory registration and continuity requirement
Not established from the insurer's documents
OC insurance must be concluded no later than the date of vehicle registration and must be maintained continuously for the entire period the vehicle is registered
SourceThird-party source, not the insurer's documentSources
- mubi.plhttps://mubi.pl/ubezpieczyciele/pevno/(opens in a new tab)
- pevno.plhttps://www.pevno.pl/files/pevno/dokumenty/2613_1125_z_OWUK_Pevno.pdf#page=18(opens in a new tab)
- pevno.plhttps://www.pevno.pl/files/pevno/dokumenty/2613_1125_z_OWUK_Pevno.pdf#page=19(opens in a new tab)
- pevno.plhttps://www.pevno.pl/files/pevno/dokumenty/2613_1125_z_OWUK_Pevno.pdf#page=22(opens in a new tab)
- pevno.plhttps://www.pevno.pl/files/pevno/dokumenty/2613_1125_z_OWUK_Pevno.pdf#page=29(opens in a new tab)
- pevno.plhttps://www.pevno.pl/files/pevno/dokumenty/2613_1125_z_OWUK_Pevno.pdf#page=3(opens in a new tab)
- pevno.plhttps://www.pevno.pl/files/pevno/dokumenty/2613_1125_z_OWUK_Pevno.pdf#page=44(opens in a new tab)
- pevno.plhttps://www.pevno.pl/o-ubezpieczeniu/(opens in a new tab)
Pevno Motor third-party liability