Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A.
WARTA
WARTA is a motor third-party liability insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
Warta operates within the Direct Claims Settlement (BLS) system. If the insured's vehicle is damaged by a third-party driver insured with another insurer, the claim can be filed directly with Warta under the OC Szybka Wypłata add-on (up to PLN 500,000). Without this add-on, claims against third-party insurers must be pursued separately.
Geographic scope
Poland and Multilateral Agreement signatory countries
Events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement; border OC (OC Graniczne) valid in EEA countries and Switzerland
Starting price
PLN 375
Indicative — pricing assumptions not stated
Unique selling points
- Ranked #1 in motor claims quality in Poland by the Financial Ombudsman's 2025 report, based on the fewest complaints relative to market share.
- Assistance Standard roadside help (towing up to 100 km) is included at no extra cost with every OC policy, with optional upgrades to Złoty, Złoty+ or Platynowy tiers.
- OC Szybka Wypłata (available in the OC Komfort package) enables direct settlement of vehicle damage claims up to PLN 500,000 caused by third-party drivers from other insurers, without chasing the at-fault party's insurer.
- Fully online policy purchase and renewal available via the OC/AC calculator, with payment by card, fast transfer, or BLIK.
- Coverage extends automatically across all Multilateral Agreement signatory countries, with a Green Card available for travel beyond this zone.
Coverage limits
Bodily Injury Liability
PLN 29,876,400
Warta is liable up to the statutory guarantee sum of PLN 29,876,400 per event regardless of the number of injured parties (equivalent to EUR 5,210,000 per Art. 36 of the Mandatory Insurance Act). For events in other covered countries, Warta is liable up to the guarantee sum stipulated by that country's law, not less than the above minimum.
Property Damage Liability
PLN 6,021,600
Warta is liable up to the statutory guarantee sum of PLN 6,021,600 per event regardless of the number of injured parties (equivalent to EUR 1,050,000 per Art. 36 of the Mandatory Insurance Act). Covers damage to other vehicles, property, road infrastructure caused by the insured driver.
Legal Defence
Excluded
Legal defence is not included in the base MTPL policy. It may be available as a separate voluntary product.
Green Card (International Insurance Certificate)
Optional
The base OC policy covers events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement (including most EEA states). A Green Card (Zielona Karta) is a separate certificate required for travel to countries outside this group (e.g. Albania, Belarus, Bosnia-Herzegovina, Iran, Israel, Morocco, Moldova, Macedonia, Russia, Turkey, Ukraine). It can be obtained from Warta upon request.
Roadside Assistance (Standard)
Covered
Assistance Standard is included with every Warta OC policy at no additional charge. It covers towing up to 100 km within Poland in the event of an accident, plus informational support. Extended tiers (Złoty, Złoty+, Platynowy) providing broader coverage including breakdown assistance and higher towing limits are available as optional paid add-ons.
Driver Personal Accident
Excluded
Personal accident cover for the driver is not included in the base MTPL policy. It is available as a separate voluntary NNW (Następstwa Nieszczęśliwych Wypadków) product from Warta.
Passenger Personal Accident
Excluded
Personal accident cover for passengers is not included in the base MTPL policy. Available as a separate voluntary NNW product.
Key conditions
Territorial scope
The MTPL policy covers events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement. Border OC (OC Graniczne) applies in EEA member states and Switzerland. For events in other covered countries, Warta is liable up to the guarantee sum stipulated by that country's law, but not less than the Polish statutory minimum. Countries requiring a Green Card (not covered by the Multilateral Agreement) include Albania, Belarus, Bosnia-Herzegovina, Iran, Israel, Morocco, Moldova, Macedonia, Russia, Turkey, and Ukraine.
Green card rules
The Green Card (Zielona Karta) is an international insurance certificate available from Warta for travel to countries outside the Multilateral Agreement zone. It is not automatically included in the base MTPL; it must be requested separately. The base MTPL certificate (the policy document) serves as proof of insurance within the Multilateral Agreement countries.
Driver restrictions
There are no driver-age restrictions in the base MTPL policy. Coverage applies to the registered holder and any driver of the vehicle listed in the policy. Warta retains the right of recourse against a driver who caused damage intentionally, while drunk or under influence of narcotics, who entered possession of the vehicle through a crime, who lacked required driving licence, or who fled the scene of the accident.
Claim notification deadline
In the event of an accident, the policyholder must promptly notify Warta of the event and provide all necessary explanations and information. The Police must be notified immediately if there are human casualties or circumstances suggesting a crime was committed. The policyholder must also provide other parties to the event with information necessary to identify the insurer and the contract details.
Bonus-malus rules
Warta applies a bonus-malus system based on claims history. Premium calculation uses automated profiling based on data from the application, claims history from previous Warta policies, data from the Central Vehicle and Driver Register (CEPiK), and information from the Insurance Guarantee Fund (UFG). No-claims discounts accumulate over time; at-fault claims may result in premium surcharges.
Policy specifics
Fast Claim Settlement (OC Szybka Wypłata)
Direct claim settlement service for vehicle damage caused by third-party OC policyholders from other insurers, up to PLN 500,000
SourceStatutory Minimum Coverage Limits
PLN 29,876,400 for bodily injury per event; PLN 6,021,600 for property damage per event (as per Polish mandatory insurance law)
SourceTerritorial Coverage Scope
OC coverage applies to events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement; Green Card available for international travel
SourceStandard Assistance Included
Road assistance included with OC covering towing up to 100 km in Poland and information support after accidents
SourceAutomatic Renewal
OC policy automatically renews for subsequent 12-month periods unless policyholder cancels at least one day before expiry
SourceVehicle Ownership Transfer Notice Requirement
Policyholder must notify Warta in writing within 14 days of transferring vehicle ownership and provide new owner's details
SourceClaims Notification Deadline
Policyholder must notify Warta of accident or damage immediately, no later than 7 days from occurrence
SourceDirect Claims Settlement System (BLS)
If injured party's vehicle is damaged by Warta-insured driver at fault, claim can be filed directly with Warta under BLS system
Source