PZU Auto OC Motor third-party liability (Pzu Auto Oc)

PZU was the first insurer in Poland to introduce Bezpośrednia Likwidacja Szkody (BLS – Direct Claims Settlement), allowing OC policyholders to settle third-party claims directly with PZU without contacting the at-fault driver's insurer.

PZU operates one of the largest repair networks (Sieć Naprawcza PZU) in Poland, offering direct billing with partner workshops so policyholders and third parties do not pay out of pocket for covered repairs.

PZU offers an optional discount-protection add-on (ochrona zniżek) that prevents the first at-fault OC claim from increasing the renewal premium, protecting the policyholder's accumulated no-claims discount.

PZU enables fully online OC purchase and management through the mojePZU portal, including instant digital policy issuance and instalment payment in up to 4 instalments.

Driver restrictions

PZU has a right of recourse against the driver who caused the damage if: the driver caused damage intentionally, was under the influence of alcohol or narcotic substances, came into possession of the vehicle by committing a crime, did not have required driving licence (except when acting to save lives or property, or in immediate pursuit of a criminal), or fled the scene of the accident.

Claim notification deadline

In the event of an accident the insured must: use available means to ensure safety at the scene and prevent damage from increasing; notify the police immediately if anyone was injured or if criminal circumstances are suspected; provide contact details to other parties; notify PZU as soon as possible. In the case of a vehicle sale, the seller must notify PZU within 14 days of the sale and provide the buyer's details.

Bonus-malus rules

PZU applies its own bonus-malus system based on claims history. Discounts accrue for each accident-free year of insurance. In the event of an at-fault claim, the policyholder moves up in the malus scale (losing discounts). PZU offers an optional paid discount-protection (ochrona zniżek / wykluczenie szkody) service which, for the first at-fault claim under the policy, prevents the loss of discounts when renewing the OC contract with PZU.

Territorial scope

PZU Auto OC is valid in Poland and in countries covered by the Multilateral Agreement. Border OC (OC graniczne) is valid in countries of the European Economic Area and Switzerland.