Pocztowe Towarzystwo Ubezpieczen Wzajemnych (now operating as AGRO Ubezpieczenia - Towarzystwo Ubezpieczen Wzajemnych)
Ubezpieczenia Pocztowe
Ubezpieczenia Pocztowe is a motor third-party liability insurance for the Poland market with no online purchase and limited assistance availability.
Direct payment
Claims are settled within 30 days of notification. If all circumstances cannot be established within that period, payment must be made within 14 days of the date on which the circumstances were clarified. TUW Pocztowe sends written confirmation of claim registration within 7 days of notification, including a case number and list of required documents.
Geographic scope
Poland and EU/EEA member states plus countries party to the Multilateral Agreement
Coverage extends to Poland and all countries party to the Multilateral Agreement (EU/EEA member states and associated countries). A Green Card is required for travel to non-member countries such as Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey and Ukraine.
Unique selling points
- Available at over 7,000 Poczta Polska post offices nationwide — one of the widest physical distribution networks of any insurer in Poland.
- Recognised as one of the most competitively priced MTPL providers in the Polish market, making it particularly attractive for cost-conscious drivers.
- Co-insurance structure with MTU Moje Towarzystwo Ubezpieczeń S.A. (Ergo Hestia Group) provides additional financial stability and claims-handling depth.
- Optional NNW personal accident cover for both driver and all passengers can be added at OC purchase, with the insured sum freely chosen by the policyholder.
- Damage claims can be reported via an online form on the insurer's website, by phone or by post, offering multiple convenient notification channels.
Coverage limits
Bodily injury liability
Covered
Statutory minimum guarantee sum for bodily injury per event (regardless of number of injured parties), as set by the Polish Act on Compulsory Insurance effective from 6 November 2024. Applies to all MTPL policies including Bezpieczny Pojazd.
Property damage liability
Covered
Statutory minimum guarantee sum for property damage per event (regardless of number of injured parties), as set by the Polish Act on Compulsory Insurance effective from 6 November 2024. Applies to all MTPL policies including Bezpieczny Pojazd.
Legal defence
Excluded
Legal defence cover is not included in the Bezpieczny Pojazd MTPL product and is not listed as an available add-on by official sources.
Green Card (international motor insurance certificate)
Optional
The Green Card is available as an add-on to the OC policy and confirms insurance coverage in countries belonging to the Green Card system. It is required when travelling to countries not covered by the Multilateral Agreement, such as Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey and Ukraine.
Roadside assistance
Optional
Assistance is available as an optional add-on to the OC (and AC) policy under the Bezpieczny Pojazd Assistance product, available in three variants: Basic (Podstawowy), Standard (Standardowy) and Comfort (Komfortowy). It covers roadside help in the event of a breakdown or accident.
Driver personal accident (NNW)
Optional
Personal accident cover (NNW) for the driver is available as an optional add-on when purchasing OC or AC. The insured sum is chosen by the policyholder from available options. It provides compensation in the event of injury or death resulting from a road accident.
Passenger personal accident (NNW)
Optional
Personal accident cover (NNW) for passengers is included alongside driver NNW as an optional add-on when purchasing OC or AC. It covers all passengers in the vehicle and provides compensation in the event of injury or death resulting from a road accident.
Key conditions
Territorial scope
The OC policy covers incidents occurring in Poland and in all countries party to the Multilateral Agreement (EU and EEA member states, and associated countries including Switzerland, Liechtenstein, Iceland, Norway and Croatia). A separate Green Card add-on is required for countries outside this system (e.g. Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, Ukraine).
Green card rules
The Green Card is available as an optional add-on to the OC policy and acts as an international motor insurance certificate valid in Green Card system countries. It is required for travel to countries not covered by the Multilateral Agreement. Compensation is settled within the liability limits of the country of the incident, up to the guarantee sums stated in the insurance contract.
Driver restrictions
No specific driver age or licence restrictions are stated for the MTPL (OC) cover beyond the general statutory requirements for motor vehicle operators in Poland. Any licensed driver of the insured vehicle is covered.
Claim notification deadline
For MTPL (OC) claims, the statutory limitation period is 3 years from the date of the incident. In practice, prompt notification is strongly recommended. TUW Pocztowe must confirm claim registration in writing within 7 days of notification, with a case number and required document list. Payment is due within 30 days of notification, or 14 days after circumstances are clarified if the investigation takes longer.
Bonus-malus rules
TUW Pocztowe applies an individual bonus-malus tariff system. Premiums are reduced for each claim-free year and increased following a at-fault claim. The specific scale of discounts and surcharges is determined by the insurer's own tariff table, based on the policyholder's claims history as recorded in the UFG (Insurance Guarantee Fund) database. TUW Pocztowe is known as one of the more competitively priced MTPL providers in Poland.
Where to buy
Documents
OWU Bezpieczny Pojazd & Bezpieczny Pojazd Assistance – General Terms and Conditions effective from 27 May 2024
terms_and_conditions
Karta Produktu – Bezpieczny Pojazd (Product Information Card for motor insurance)
benefits_table
Regulamin Pocztowego Programu Ubezpieczeniowego – Programme rules including co-insurance arrangements with MTU
other
Policy specifics
Territorial coverage
OC insurance covers incidents in Poland and territories of countries that are parties to the Multilateral Agreement (EU member states and associated countries)
Guarantee limits
Mandatory statutory guarantee limits for MTPL in Poland: 1 million EUR for property damage per incident and 5 million EUR for personal injury
Co-insurance arrangement
Motor insurance policies (including the compulsory OC) under Bezpieczny Pojazd are structured as co-insurance contracts, meaning the risk is shared between TUW Pocztowe and MTU Moje Towarzystwo Ubezpieczeń S.A. (based in Sopot).
Distribution channel
Bezpieczny Pojazd motor insurance policies (OC, AC, Assistance, NNW) are available exclusively at Poczta Polska post offices and Bank Pocztowy branches. Online purchase is not available.