HPI GMA S.A. (operating under the Trasti brand)
Trasti
Trasti is a motor third-party liability insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
Claims are paid directly to injured third parties (not to the policyholder). The insurer establishes and pays compensation within the limits of civil liability of the vehicle owner or driver, up to the guarantee sum. In the case of assistance products, costs are reimbursed directly to the insured in PLN.
Geographic scope
Poland and Green Card system countries
Coverage applies in Poland and all EU member states; additionally in non-EU Green Card system states (Andorra, Bosnia and Herzegovina, Iceland, Norway, Serbia, Switzerland, United Kingdom); with Green Card document also in Albania, Azerbaijan, Belarus, Montenegro, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey, Ukraine.
Unique selling points
- Free Green Card included with every OC policy, enabling legal travel across all Green Card system countries at no additional cost.
- OC premium can be reduced by adding optional riders (NNW, assistance, glass), making comprehensive protection available from very low combined premiums.
- Awarded Insurtech of the Year 2025, reflecting the company's digital-first approach, instant online policy issuance, and transparent claim tracking via SMS and online portal.
- NNW personal accident cover for driver and all passengers up to 200,000 PLN per person, available as an add-on at competitive rates – with no reduction of the insurance sum after a payout.
- Flexible premium payment options including 0% monthly instalments and annual lump-sum payment, with automatic policy renewal and prorated premium refund upon early termination.
Coverage limits
Bodily Injury Liability
Covered
Mandatory minimum guarantee sum for bodily injury per event regardless of the number of victims, set by Polish law (Act on Compulsory Insurance). Equivalent to 5,210,000 EUR per event.
Property Damage Liability
Covered
Mandatory minimum guarantee sum for property damage per event regardless of the number of victims, set by Polish law (Act on Compulsory Insurance). Equivalent to 1,050,000 EUR per event.
Legal Defence
Excluded
Legal defence costs (including criminal defence counsel and fines) are explicitly excluded under the OC terms and conditions. The insurer does not cover costs of legal representation in criminal proceedings against the vehicle owner or driver, nor any fines or monetary penalties imposed on them.
Green Card (International Certificate of Motor Insurance)
Covered
The Green Card is included free of charge with every OC policy. It is required when travelling to countries outside the EU that are not party to the Multilateral Agreement: Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. The need to issue a Green Card must be reported at least 14 days before the planned departure date.
Roadside Assistance (ASS)
Optional
Roadside assistance is a separately purchasable add-on to the OC policy (not included in the base OC premium). It covers organisation and costs of assistance in the event of breakdown, accident/collision, or theft. Coverage sum: 50,000 PLN per event. For passenger cars: territorial scope is Poland and Europe; for trucks up to 3.5t: Poland only. Multiple towing distance variants and replacement car duration options are available (up to 1,500 km towing, up to 21 days replacement car for passenger cars).
Driver Accident Insurance (NNW)
Optional
Voluntary personal accident insurance (NNW) for the driver and passengers is available as an optional add-on to the OC policy. The policyholder selects the insurance sum from three options: 50,000 PLN, 100,000 PLN, or 200,000 PLN. Covers permanent disability (1/100 of sum per 1% disability) and death (full sum). Valid for passenger cars and trucks up to 3.5t registered in Poland. Territorial scope: Poland and Europe.
Passenger Accident Insurance (NNW)
Optional
The NNW policy covers both the driver and all passengers of the insured vehicle (up to the maximum number of seats specified in the vehicle registration document). The same sum options apply: 50,000 PLN, 100,000 PLN, or 200,000 PLN. The sum is established per insured person and payment of a benefit does not reduce the insurance sum for other insureds.
Key conditions
Territorial scope
OC coverage applies to events occurring in Poland and in all EU member states, as well as in non-EU countries whose national bureaux are signatories to the Multilateral Agreement (currently: Andorra, Bosnia and Herzegovina, Iceland, Norway, Serbia, Switzerland, United Kingdom). For travel to Albania, Azerbaijan, Belarus, Montenegro, Iran, Israel, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey and Ukraine, a separate Green Card document is required.
Green card rules
The Green Card is issued free of charge upon request of the policyholder who has concluded an OC policy with Zavarovalnica Triglav d.d. The request must be submitted at least 14 days before the planned travel date. The Green Card confirms civil liability coverage in Green Card system countries outside Poland. Withdrawal from the Green Card contract requires return of the complete original certificate.
Driver restrictions
The insurer has the right to seek recourse from the driver who caused damage if the driver: caused damage intentionally, was under the influence of alcohol or drugs; came into possession of the vehicle by committing a crime; did not hold the required driving licence (except when acting to save human life or property, or in pursuit of a criminal); fled the scene of the accident.
Claim notification deadline
In the event of an incident covered by compulsory OC insurance, the insured person must immediately notify the insurer. For the Green Card product, notification must occur within 14 days of a claim being filed against the vehicle owner or driver. The insurer must be notified immediately if criminal or administrative proceedings are initiated against the vehicle owner or driver.
Bonus-malus rules
The OWU does not specify explicit bonus-malus grade tables; premium is set based on individual risk assessment criteria including vehicle type, vehicle technical parameters, policyholder's previous insurance and claims history, age of the insured, and number of seats in the vehicle.
Where to buy
Policy specifics
Green Card (International Certificate of Motor Insurance)
Free international insurance certificate provided with OC policy, required for travel to specific countries outside EU
Statutory Guarantee Sums for OC
Mandatory minimum coverage limits set by Polish law: PLN 29,876,400 for personal injury (per event); PLN 6,021,600 for property damage (per event)
Contract Duration
OC insurance contract is concluded for a period from 15 days to 12 months
Consumer Right of Withdrawal
If the policy was concluded at a distance (via website or phone), the customer has the right to withdraw within 30 days from the date of conclusion