UNIQA Towarzystwo Ubezpieczeń S.A. (trading as Pevno)

Territorial scope

The MTPL (OC) insurance is mandatory on the territory of Poland. With the optional Green Card (ZK) add-on, civil liability coverage also applies on the territories of countries signatory to the Multilateral Agreement as listed in the International Motor Insurance Certificate, beginning and ending upon the vehicle crossing the relevant state border. The OC contract must be concluded no later than the date of vehicle registration and maintained continuously for the entire period the vehicle is registered in Poland.

Green card rules

The Green Card (ZK) is an optional voluntary extension under Chapter VI of the OWUK. It covers civil liability of the insured for damages caused to third parties by the movement of the vehicle (registered in Poland) in countries signatory to the Multilateral Agreement. The guarantee sum is the higher of: (a) the guarantee sum in force in the country of the incident, or (b) the OC guarantee sum in the policy. The Green Card contract terminates simultaneously with the Polish MTPL contract. The driver must carry and present insurance documents outside Poland upon request of control authorities.

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.

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

Basic Assistance (Assistance Podstawowy)

Voluntary insurance bundled with OC package covering basic roadside assistance and emergency services

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

Basic 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.

Baggage and child seat insurance included in OC package

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.

Territorial scope - Poland and multilateral agreement countries

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)

Statutory guarantee sums (minimum liability limits)

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

Direct 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

Compulsory registration and continuity requirement

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