Extracted from source documents

Wiener Motor third-party liability (Pakiet Auto Oc)

Underwritten by Compensa Towarzystwo Ubezpieczeń Spółka Akcyjna Vienna Insurance Group · Poland

motor third-party liability insurance from Wiener for the Poland market, with online purchase and 24/7 assistance.

Verified Aug 18, 2026 · Terms dated 2026-02-13Sources

Online purchase24/7 helpline

Unique selling points

Auto Assistance Podstawowy (roadside assistance including towing, repair at scene, and replacement vehicle) is automatically included in the OC package at no extra charge – a differentiator compared with insurers who charge separately for this benefit.

Discounts of up to 80% for claim-free drivers, with additional reductions for multi-vehicle policies, online purchase, and policyholder age – making Wiener one of the most price-competitive MTPL providers in Poland.

Direct Claims Settlement (BLS – Bezpośrednia Likwidacja Szkody) available: the insured can report a third-party OC claim directly to their own Wiener insurer, avoiding dealing with the at-fault party's insurer.

Part of Vienna Insurance Group – one of the largest insurance groups in Central and Eastern Europe – providing financial stability and extensive claims handling infrastructure including a 24/7 alarm centre.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

PLN 29.9M

Covered

Legal defence costs

Covered

Within the guaranteed sum limits, the insurer covers: justified costs incurred to prevent the increase of damage; necessary defence costs in criminal proceedings and legal representation costs in civil proceedings, undertaken on the insurer's instruction or with the insurer's consent.

Page 3

Section: Ubezpieczenie odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych > Co jest przedmiotem ubezpieczenia?

Ubezpieczenie obejmuje, w granicach sumy gwarancyjnej, zwrot: uzasadnionych okolicznościami zdarzenia kosztów poniesionych w celu zapobieżenia zwiększeniu szkody; niezbędnych kosztów obrony w postępowaniu karnym i kosztów zastępstwa prawnego w postępowaniu cywilnym, podjętych na polecenie lub za zgodą Compensy.

Optional · Załącznik nr 10 do OWU Pakiet AUTO – Ubezpieczenie OC posiadaczy pojazdów mechanicznych w ruchu zagranicznym Zielona Karta, §5 OWU/0425 ust. 4 pkt 3 (ZK – min. 15 dni)

Green Card (International Motor Insurance Certificate)

Optional

Optional cover extending liability to countries outside the Multilateral Agreement that require the International Motor Insurance Certificate (Green Card). Countries covered: Albania, Azerbaijan, Iran, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine. Minimum contract period: 15 days. The guaranteed sum equals the applicable legal minimum of the country of the event, not lower than Polish statutory minimums. The Green Card certificate is issued for the duration of cover.

Page 7

Section: Ubezpieczenia komunikacyjne Pakiet AUTO > Gdzie obowiązuje ubezpieczenie?

ZK – państwa, w których jest wymagane posiadanie Zielonej Karty (Albania, Azerbejdżan, Iran, Maroko, Mołdawia, Macedonia, Tunezja, Turcja i Ukraina);

Covered

Roadside Assistance (Auto Assistance Podstawowy – bundled with OC)

Covered

Auto Assistance Podstawowy is automatically included when purchasing OC insurance within the Pakiet AUTO. It covers: vehicle repair at the scene of the incident (up to 400 PLN per event), towing to the nearest workshop or home address (up to 150 km in Poland, 75 km abroad), towing of the injured party's vehicle, rental replacement vehicle (48 hours in the event of an accident in Poland, once per policy year), animal assistance, and information services. Assistance is organized and arranged by the Centrum Alarmowe (24/7 alarm centre) – the insurer arranges services but does not perform them directly. Coverage area: Poland and European countries (excluding certain islands and overseas territories).

Optional · Załącznik nr 9 do OWU Pakiet AUTO – Ubezpieczenie następstw nieszczęśliwych wypadków kierowcy i pasażerów pojazdów mechanicznych

Driver personal accident (NNW – optional add-on)

Optional

Personal accident cover for the driver (and optionally the driver's spouse) is an optional add-on in Pakiet AUTO. Basic scope includes: benefit for permanent health impairment (1% of sum insured per 1% impairment, up to 100%), death benefit (100% of sum insured if death occurs within 12 months), reimbursement of costs of auxiliary devices (up to 10% of sum insured), medical treatment costs (up to 10% of sum insured), funeral costs (up to 10% of sum insured). The insured sum is agreed with the policyholder. Coverage extends to Poland and remaining European countries.

Clause § 8Page 37

Section: Załącznik nr 9 do OWU Pakiet AUTO > III. USTALENIE I WYPŁATA ŚWIADCZENIA LUB ODSZKODOWANIA > § 8

Ubezpieczonemu przysługuje świadczenie z tytułu trwałego uszczerbku na zdrowiu będącego następstwem nieszczęśliwego wypadku w wysokości 1% sumy ubezpieczenia za każdy procent trwałego uszczerbku na zdrowiu, nie więcej jednak niż 100% sumy ubezpieczenia.

Optional · Załącznik nr 9 do OWU Pakiet AUTO – Ubezpieczenie następstw nieszczęśliwych wypadków kierowcy i pasażerów pojazdów mechanicznych

Passenger personal accident (NNW – optional add-on)

Optional

The NNW cover in Pakiet AUTO applies to the driver and passengers of the vehicle as listed in the registration document. The sum insured applies separately to each insured person. It is an optional add-on purchased alongside OC. Basic scope mirrors driver cover: permanent health impairment benefit, death benefit, medical costs, auxiliary device costs, funeral costs. Sum insured up to 50,000 PLN and higher depending on selected option. Coverage in Poland and European countries.

Clause § 1Page 37

Section: Załącznik nr 9 do OWU Pakiet AUTO > § 1 Przedmiot ubezpieczenia

Na postawie załącznika nr 9 do OWU, Compensa obejmuje ochroną ubezpieczeniową kierowcę i pasażerów pojazdu wymienionego w umowie ubezpieczenia, w liczbie określonej w dowodzie rejestracyjnym.

Key conditions

Driver restrictions

OC coverage applies to all persons who drive the vehicle during the insurance period (Art. 35 of the Compulsory Insurance Act). The policyholder must truthfully answer all questions posed by the insurer before the contract is concluded and notify the insurer of any changes during the contract. If a vehicle is transferred to a new owner, the outgoing owner must notify the insurer in writing within 14 days. Coverage continues for the new owner unless the outgoing owner requests cancellation. Subrogation applies: the insurer may recover the paid compensation from the driver if they caused damage intentionally, while intoxicated, without required licence, having obtained the vehicle through a crime, or fled the scene.

Claim notification deadline

In the event of a claim, the insured/policyholder must: immediately notify the insurer of the event, providing necessary explanations and information; take all available measures to mitigate the damage and preserve the insurer's right to recover from the person responsible; present all available evidence relating to the event and damage. The insurer pays compensation or benefits within 30 days of receiving notification of the claim. If clarification of circumstances is impossible within that period, payment is made within 14 days from when clarification became possible; the undisputed portion is paid within the 30-day period.

Bonus-malus rules

The premium is affected by: the number of claims in previous insurance periods, the type and make of vehicle, the age of the vehicle, the number of insured vehicles belonging to one owner, the age of the vehicle owner or user and how long they have held a driving licence, annual mileage, and continuation of the insurance contract with Compensa/Wiener. Discounts of up to 80% are available for claim-free drivers. Additional discounts are granted for: insuring multiple vehicles, age of the vehicle owner, and online purchase. The insurer may individually assess the risk and set a premium different from the tariff schedule.

Territorial scope

Coverage applies in Poland and, on a reciprocity basis, in territories of states whose national bureaux are signatories to the Multilateral Agreement (EU/EEA and selected other European countries). Green Card extension covers Albania, Azerbaijan, Iran, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine (as optional add-on).

Documents

Pakiet AUTO – General Insurance Conditions (OWU) PA/OWU/01/0425 – effective 13 February 2026 (latest) (opens in a new tab)

Terms & conditions · PDF

Pakiet AUTO – General Insurance Conditions (OWU) PA/OWU/01/0724 – effective 1 July 2024 (opens in a new tab)

Terms & conditions · PDF

Pakiet AUTO – Product Information Document (IPID) PA/AC/KP/02/1024 – dated 31 October 2024 (opens in a new tab)

Product information sheet · PDF

Policy specifics

Green Card (International Motor Insurance Certificate)

International motor insurance certificate covering liability in countries outside Poland that are parties to the Multilateral Agreement (Green Card System)

Source

Section: Co zawiera ubezpieczenie samochodu Pakiet AUTO? > Zielona Karta

Jeśli jesteś właścicielem auta zarejestrowanego w Polsce i chciałbyś się nim wybrać w podróż do jednego z krajów spoza Unii Europejskiej to Zielona Karta jest ubezpieczeniem przeznaczonym dla Ciebie.

Medical treatment and rehabilitation costs

Coverage for medical treatment and rehabilitation expenses for accident victims, including compensation for temporary or permanent disabilities

SourcePage 5

Section: Ubezpieczenia komunikacyjne Pakiet AUTO > Co jest przedmiotem ubezpieczenia?

kosztów organizacji świadczeń medycznych i leczenia po wypadku komunikacyjnym (KL) – jest zdrowie ubezpieczonego. Ochrona obejmuje organizację lub organizację i pokrycie kosztów usług i procedur medycznych koniecznych w związku z nieszczęśliwym wypadkiem (pomoc medyczna i opiekuńcza).

Auto Assistance Basic

Included assistance services covering information help, technical assistance, animal welfare, and rental vehicle provision after accident

SourcePage 1

Section: Ubezpieczenia komunikacyjne Pakiet AUTO > Co jest przedmiotem ubezpieczenia?

Auto Assistance Podstawowy – są koszty usług assistance. Ochrona obejmuje pomoc informacyjną, techniczną, dla zwierząt oraz wynajem pojazdu zastępczego – po wypadku, a w odniesieniu do pomocy informacyjnej – również w razie awarii lub innego zdarzenia losowego;

Auto Assistance Podstawowy – automatically included with OC in Pakiet AUTO

When purchasing OC insurance within Pakiet AUTO, Auto Assistance Podstawowy is automatically included as a standard bundle component. It provides: vehicle repair at the scene (up to 400 PLN), towing (up to 150 km in Poland / 75 km abroad), replacement vehicle rental (48 hours after accident in Poland, once per policy year), animal welfare assistance, and information services. Services are organized via the Centrum Alarmowe (24/7). Coverage: Poland and European countries (excluding certain islands and overseas territories). Excluded vehicles: rental fleets, vehicles registered as special, vehicles offered for commission sale.

Source

Policy duration

Contracts can be concluded for 12 months or shorter (short-term insurance), but not shorter than statutory minimum

SourceClause § 5 ust. 4Page 16

Section: Część 1 - Postanowienia wspólne > § 5 Zawarcie umowy ubezpieczenia

Umowę ubezpieczenia zawiera się na okres 12 miesięcy lub krótszy (ubezpieczenie krótkoterminowe), ale nie krótszy niż w ubezpieczeniu: 1) AC, NNW - 60 dni; 2) ASS Plus - 30 dni; 3) ZK - 15 dni.

Premium payment methods

Premium can be paid in full (one payment) or in installments, as selected by policyholder

SourcePage 4

Section: Ubezpieczenie odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych > Jak i kiedy należy opłacać składki?

Jednorazowo albo w ratach, wysokość składki i terminy jej zapłaty są określone w dokumencie ubezpieczenia.

Claims notification deadline

For compulsory OC insurance: should be reported immediately but no later than within 3 years according to law

Source

Section: Zgłoszenie szkody > Ile mam czasu na zgłoszenie szkody?

Szkodę w ramach obowiązkowego ubezpieczenia OC najlepiej zgłosić niezwłocznie. Natomiast zgodnie z prawem - nie później niż w ciągu 3 lat.

Coverage territory

Coverage applies in Poland and, under reciprocity rules, in territories of states that are parties to the Multilateral Agreement (including EU/EEA countries and selected others)

Source

Section: Co zawiera ubezpieczenie samochodu Pakiet AUTO? > Zielona Karta

oferujemy Ci ubezpieczenie w następujących państwach: Albania, Azerbejdżan, Bośnia i Hercegowina, Czarnogóra, Iran, Izrael, Macedonia Północna, Maroko, Mołdawia, Tunezja, Turcja i Ukraina.

Sources

Wiener Motor third-party liability

Get a quote from Wiener(opens in a new tab)Compare Motor third-party liability insurers in Poland
Get a quote from Wiener(opens in a new tab)