TUZ Ubezpieczenia Motor third-party liability (Oc Posiadaczy Pojazdow Mechanicznych)

One OC claim per policy year does not affect the premium upon renewal with TUZ, providing built-in no-claims protection at no extra cost.

Full online purchase and instant policy issuance available via the TUZ online OC/AC calculator, without the need to visit a branch.

100% Polish capital insurer with a 20-year market track record, operating a nationwide network of agents and multi-agents across Poland.

Premium can be spread across 12 monthly instalments via the HiPRO system, improving affordability without additional financing costs.

Driver restrictions

No driver-specific restrictions apply under the standard MTPL policy; coverage extends to any person driving the insured vehicle. However, in the event of damage caused by a driver who was intoxicated, drove without a valid licence, entered possession of the vehicle through a crime, or fled the scene, TUZ and the Motor Insurers' Guarantee Fund (UFG) have a right of recourse against that driver for reimbursement of compensation paid.

Claim notification deadline

In the event of an accident, the policyholder must: (1) take all measures to ensure safety at the scene and mitigate damage; (2) notify the police immediately if there are casualties or circumstances suggesting a crime was committed; (3) notify TUZ immediately of the event and provide all necessary information; (4) provide other accident participants with the insurer's identification data. The insured may not, without TUZ's consent, accept liability or make any commitments to claimants. If a lawsuit is filed against the insured, TUZ must be notified immediately.

Bonus-malus rules

TUZ applies a bonus-malus system based on the policyholder's claims history retrieved from the UFG (Motor Insurers' Guarantee Fund) database. No-claims history from previous insurers is recognised. TUZ additionally offers a proprietary 'driver protection' benefit whereby one OC claim does not affect the premium upon renewal of the next contract with TUZ (available as an optional add-on). Specific bonus-malus discount tables are not published in the verified policy documents; individual premium calculation is performed via the online calculator or by an agent.

Territorial scope

Poland and all countries whose national bureaux are signatories to the Multilateral Agreement (EEA countries, Andorra, Serbia, Croatia). For incidents in those countries, TUZ is liable up to the sum guaranteed by the law of the country of incident, but not less than the Polish statutory minimum.