Generali Towarzystwo Ubezpieczeń S.A. (Proama brand)
Proama
Proama is a motor third-party liability insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Compensation is paid directly to the injured third party by Proama (Generali T.U. S.A.) up to the applicable guarantee limit; the policyholder does not pay the injured party directly.
Geographic scope
Poland
Poland and all EEA countries, plus Andorra, Croatia, Serbia, and Switzerland (Multilateral Agreement signatory states). Green Card required for travel to Albania, Azerbaijan, Macedonia, Morocco, Moldova, Tunisia, Turkey, Ukraine.
Unique selling points
- Up to 70% no-claims discount on OC premium – the highest bonus-malus discount available in Poland, reached after 6 consecutive claims-free years.
- Green Card included free of charge with every OC policy – no additional cost for the international motor insurance certificate needed for non-EU travel.
- Optional discount protection add-on preserves the earned no-claims discount after one at-fault OC claim, securing premium savings at the next renewal.
- Policy can be purchased and renewed entirely online or by phone, with the policy document delivered by email or post – no branch visit required.
- Personal advisor service available to each customer, providing dedicated support for policy management and claims assistance.
Coverage limits
Bodily injury liability
Covered
Statutory minimum guarantee sum for bodily injury claims arising from one insured event, regardless of the number of injured persons. Applicable for losses caused from 23 December 2023 onward.
Property damage liability
Covered
Statutory minimum guarantee sum for property damage claims arising from one insured event, regardless of the number of injured persons. Applicable for losses caused from 23 December 2023 onward.
Legal defence
Excluded
Legal defence costs for the policyholder/driver in civil or criminal proceedings are not covered under the MTPL policy; costs of appointing legal representation without prior insurer consent are excluded.
Green Card
Covered
International Motor Insurance Certificate (Green Card) is issued free of charge as part of the OC package in Proama. It confirms active MTPL insurance and is valid for travel in Green Card system countries outside the EU, including Albania, Azerbaijan, Macedonia, Morocco, Moldova, Tunisia, Turkey, and Ukraine. Issued for a fixed term up to the expiry of the OC policy, minimum 15 days.
Roadside assistance
Optional
Roadside assistance is not included in the base MTPL policy. It is available as an optional add-on (Assistance Wypadkowy or Midi Assistance) purchased alongside the OC policy. Coverage includes towing, on-site repair attempts, replacement vehicle, and other services depending on the selected variant.
Driver personal accident
Optional
Personal accident cover for the driver is not included in the base MTPL policy. It is available as an optional NNW Komunikacyjne add-on, providing a lump-sum benefit of PLN 30,000 per insured person in the event of death or permanent disability resulting from a road accident.
Passenger personal accident
Optional
Personal accident cover for passengers is not included in the base MTPL policy. It is available as an optional NNW Komunikacyjne add-on, covering driver and passengers (up to the number specified in the vehicle registration document) for PLN 30,000 per insured person.
Key conditions
Territorial scope
OC coverage applies in Poland and all EEA countries, as well as Andorra, Croatia, Serbia, and Switzerland (Multilateral Agreement signatories). For travel to Green Card system countries outside the EU (Albania, Azerbaijan, Macedonia, Morocco, Moldova, Tunisia, Turkey, Ukraine), the Green Card document is required and issued free of charge with the Proama OC policy.
Green card rules
The Green Card is included free of charge with the Proama OC package. It is issued on request and sent by post. Application should be made at least 14 days before travel. The Green Card is valid for the term of the OC policy, minimum 15 days. It is required in: Albania, Azerbaijan, Macedonia, Morocco, Moldova, Tunisia, Turkey, and Ukraine. No Green Card is needed for EU countries, EEA countries, Andorra, Croatia, Serbia, or Switzerland.
Driver restrictions
No age restriction applies to the vehicle under MTPL. All registered vehicle types are subject to the mandatory OC obligation, including passenger cars, agricultural tractors, mopeds, trailers, semi-trailers, slow-moving vehicles, historic vehicles, and vehicles before registration in Poland. The policy is valid for whoever drives the vehicle, not only the named owner.
Claim notification deadline
In the event of a covered claim, the insurer must be notified promptly. The injured party may claim compensation directly from Proama. For events involving personal injury or suspected criminal activity, police notification is required. The insured must cooperate with the insurer in establishing the circumstances and extent of the loss.
Bonus-malus rules
Proama applies a bonus-malus system offering up to 70% discount on the OC premium for claims-free driving. The maximum 70% discount is available after 6 consecutive claims-free years. An optional "discount protection after one OC claim" add-on is available, which preserves the earned discount after one at-fault OC claim in the next renewal period, subject to no change in vehicle ownership.
Where to buy
Policy specifics
Automatic contract renewal
OC insurance contracts are automatically renewed for 12-month periods unless policyholder provides termination notice at least 1 day before contract expiration
Claims notification requirements
Policyholder must notify insurer of covered events within 7 days of occurrence, providing documentation and circumstances of the event