Warta
Warta is a motor third-party liability insurance for the PL market with online purchase and 24/7 assistance.
Direct payment
Warta participates in the BLS (Bezpośrednia Likwidacja Szkód – Direct Claims Settlement) system. Policyholders who are victims of accidents caused by drivers insured with other BLS-member insurers may report the claim directly to Warta instead of pursuing the at-fault driver's insurer. The optional add-on product 'OC Szybka Wypłata' (C6331) extends this capability with a PLN 500,000 per-event limit for vehicle damage claims.
Geographic scope
PL
Covers events on the territory of the Republic of Poland and on the territory of states whose National Bureaux are signatories to the Multilateral Agreement; border OC applies in EEA countries and Switzerland.
Starting from
PLN 375
Unique selling points
- Ranked #1 for motor claims quality in Poland by the Financial Ombudsman (Rzecznik Finansowy) based on 2024 data, reflecting the lowest complaint rate relative to market share.
- Assistance Standard roadside help is included in the OC price at no extra cost, covering accident towing up to 100 km within Poland.
- Optional OC Szybka Wypłata add-on enables direct claim settlement with Warta up to PLN 500,000 per event, eliminating the need to deal with the at-fault driver's insurer.
- Over 100 years of market presence since 1920 and status as Poland's second-largest insurer, backed by the Talanx/HDI International group.
- 24/7 Customer Service Centre (COK) staffed by trained specialists available for claims reporting, assistance coordination, and policy support throughout the week.
Coverage limits
Bodily Injury Liability
Covered
Civil liability of the vehicle holder and/or driver for bodily injury, death, personal injury or health impairment caused to third parties in connection with the movement of the vehicle. Warta's liability is limited to the statutory guarantee sum, which must not be lower than PLN 29,876,400 per event regardless of the number of victims (equivalent to EUR 6.45 million, applicable from 6 November 2024).
SourceProperty Damage Liability
Covered
Civil liability of the vehicle holder and/or driver for loss, destruction or damage to property of third parties caused in connection with the movement of the vehicle. Warta's liability is limited to the statutory guarantee sum, which must not be lower than PLN 6,021,600 per event regardless of the number of victims (equivalent to EUR 1.3 million, applicable from 6 November 2024).
SourceLegal Defence
Not offered
Legal defence coverage is not mentioned as part of the base MTPL product in any of the verified official sources. It is not included as a standard benefit under the statutory OC policy.
SourceGreen Card (International Insurance Certificate)
Covered
The MTPL policy covers events occurring on the territory of Poland and on the territory of states whose National Bureaux are signatories to the Multilateral Agreement (Green Card system). Border OC applies in EEA member states and Switzerland. For damage caused in countries other than Poland where coverage applies, Warta is liable up to the guarantee sum set by that country's regulations, but not less than the Polish statutory minimum.
SourceRoadside Assistance (Standard)
Covered
Assistance Standard is included as standard with the base OC policy. It provides help exclusively in the event of an accident (not breakdown), including towing to a designated workshop up to 100 km from the scene of the accident within Poland, informational assistance, and message relay. Higher-tier variants (Złoty, Złoty+, Platynowy) covering breakdowns, theft, and other events are available as paid optional add-ons.
SourceDriver Accident (NNW – Personal Accident for Driver)
Optional
Personal accident coverage for the driver (NNW) is not part of the mandatory base MTPL policy. It is available as an optional paid add-on to the OC/AC policy, providing compensation in the event of bodily injury or death of the driver as a result of a road traffic accident.
SourcePassenger Accident (NNW – Personal Accident for Passengers)
Optional
Personal accident coverage for passengers (NNW) is not part of the mandatory base MTPL policy. It is available as an optional paid add-on. The NNW product covers bodily injury or death of passengers as a result of a road traffic accident.
SourceKey conditions
territorial_scope
The policy covers events on the territory of the Republic of Poland and on the territory of states whose National Bureaux are signatories to the Multilateral Agreement (Green Card system). Border OC covers EEA countries and Switzerland. For damage abroad, Warta's liability is limited to the guarantee sum prescribed by the laws of that country, but not less than the Polish statutory minimum.
green_card_rules
The standard MTPL policy issued by Warta serves as proof of insurance in all countries participating in the Green Card system (Multilateral Agreement signatories). For travel in EEA countries and Switzerland, border OC applies if the policyholder does not hold a valid domestic OC policy or Green Card. For damage caused in other signatory states, Warta is liable up to that state's minimum guarantee sum, at least matching the Polish statutory minimum.
driver_restrictions
The statutory MTPL policy covers liability of the vehicle holder and any driver operating the vehicle. Warta has the right to seek recourse from the driver who caused damage if the driver: (1) intentionally caused the damage, was under the influence of alcohol, drugs or intoxicants; (2) obtained possession of the vehicle through a criminal act; (3) did not hold the required driving licence; (4) fled the scene of the accident.
claim_notification_deadline
Under the base MTPL policy, the insured must notify Warta promptly of any claim event and provide all necessary information. The insured must also inform Warta in writing within 14 days of any transfer of vehicle ownership. For the optional OC Szybka Wypłata add-on (C6331), the claim must be reported no later than 7 days after the incident via Warta's Customer Service Centre (COK).
bonus_malus_rules
Warta applies a bonus-malus system to MTPL pricing. The premium is adjusted based on the policyholder's claims history, which Warta retrieves directly from the Insurance Guarantee Fund (UFG) database for vehicles registered in Poland. Foreign claims history can be taken into account if the policyholder submits a 'Certificate of Insurance History' in the format prescribed by EU Implementing Regulation 2024/1855 of 3 July 2024. The specific bonus-malus scale and discount/surcharge percentages are determined individually at the time of policy issuance based on claims experience.
Where to buy
Policy specifics
OC Szybka Wypłata (OC Quick Settlement)
Optional direct settlement service for vehicle damage claims where the policyholder's vehicle is damaged by another insured driver in Warta's network (BLS system). Covers damage up to PLN 500,000 without requiring separate claims processing with the third party insurer.
Assistance Standard (Roadside Assistance)
Standard roadside assistance included with base OC coverage, providing support for breakdowns, accidents, and other roadside emergencies including towing and repair coordination
BLS Network Requirement for Quick Settlement
OC Szybka Wypłata direct settlement benefit only applies when the at-fault driver is insured with an insurer participating in the BLS (Bezpośrednia Likwidacja Szkód - Direct Claims Settlement) system
Maximum Vehicles in Claim Incident
OC Szybka Wypłata direct settlement only covers accidents involving a maximum of 2 vehicles and does not cover multi-vehicle incidents or non-collision events