Ubezpieczenia Pocztowe Motor third-party liability (Bezpieczny Pojazd)

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.

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.

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.

Territorial scope

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.