TUW "TUW" Motor third-party liability (Oc Posiadaczy Pojazdow Mechanicznych)

Free AutoAssistance Standard bundled with every MTPL policy – includes on-site repair attempt, towing up to 50 km, and a replacement vehicle for up to 3 days at no extra cost.

Mutual insurer structure (TUW) means policyholders are members of the society and may benefit from loyalty discounts and membership-seniority bonuses unavailable at commercial insurers.

Premium discounts available for claim-free driving history and for insuring additional products (property, business) with TUW TUW.

Distance contracts can be concluded online via TUW TUW's transaction portal, with premium payable by card or electronic payment.

Driver restrictions

TUW TUW has the right to seek reimbursement from the driver who: caused damage intentionally or under the influence of alcohol, drugs or psychotropic substances; obtained possession of the vehicle through a crime; did not hold the required driving licence (except to save life/property or during a direct chase after a criminal); or fled the scene of the accident.

Claim notification deadline

The insured must immediately notify TUW TUW of the event, provide necessary explanations, and cooperate in determining the circumstances and extent of the damage. Compensation is paid within 30 days of notification; if circumstances require clarification, the undisputed part is paid within 30 days and the remainder within 14 days of when clarification became possible.

Bonus-malus rules

TUW TUW applies its own internal bonus-malus system rewarding claim-free driving history with premium discounts and increasing premiums after claims. Specific tables are not published in the IPID. Claim history is verified via the UFG (Insurance Guarantee Fund) database using the insured's PESEL/REGON number. Insurers also reward loyalty (continued coverage) and membership seniority in the mutual.

Territorial scope

Coverage applies on the territory of Poland and the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Spain, Netherlands, Iceland, Ireland, Lithuania, Luxembourg, Latvia, Malta, Germany, Norway, Portugal, Romania, Serbia, Slovakia, Slovenia, Switzerland, Sweden, Hungary, Great Britain, Italy, and the territories of Liechtenstein, Monaco, San Marino, Channel Islands, Gibraltar, Isle of Man, Faroe Islands.