Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A. (You Can Drive brand)
You Can Drive
You Can Drive is a motor third-party liability insurance for the Poland market with online purchase and limited assistance availability.
Direct payment
Direct Claims Settlement (Bezpośrednia Likwidacja Szkód – BLS) is available: customers of You Can Drive who are victims of an accident caused by another party may file their claim directly with ERGO Hestia without contacting the at-fault party's insurer.
Geographic scope
Poland (primary); extended to Green Card signatory states
Compulsory MTPL coverage applies on Polish territory; extended civil liability covered in countries whose national bureaux are signatories to the Multilateral Guarantee Agreement (Green Card system)
Unique selling points
- Specifically designed for young drivers under 30 with no age-related premium surcharges, offering competitive rates where other insurers charge significantly more.
- Direct Claims Settlement (BLS) available: victims of accidents caused by third parties can file their claim directly with ERGO Hestia without contacting the at-fault party's insurer.
- 100% online purchase, management, and claims process – policy can be bought, managed, and renewed without leaving home through the Polisa Online self-service portal.
- Backed by nearly 30 years of ERGO Hestia experience and the financial strength of the Munich Re group, with a recognized transparent and high-quality claims handling process.
- Wide range of modular optional add-ons (Autocasco, Assistance, NNW, glass, tyre cover) enabling individually tailored coverage scope alongside the mandatory MTPL policy.
Coverage limits
Bodily injury liability (statutory guarantee sum)
Not offered
Mandatory cover for bodily injury caused to third parties in connection with vehicle use. The guarantee sum is set by statute (Act of 22 May 2003 on compulsory insurance). The exact current statutory figure was not confirmed on a verified You Can Drive source at time of scraping.
Property damage liability (statutory guarantee sum)
Not offered
Mandatory cover for property damage caused to third parties in connection with vehicle use. The guarantee sum is set by statute. The exact current statutory figure was not confirmed on a verified You Can Drive source at time of scraping.
Legal defence
Not offered
Legal defence cover is not offered as part of the You Can Drive MTPL product. No such coverage was found in the verified sources.
Green Card (international motor insurance certificate)
Covered
The You Can Drive policy includes civil liability coverage outside Poland in countries whose national bureaux are signatories to the Multilateral Agreement (Green Card system). Settlement of claims abroad follows the law of the country of the event. The Green Card certificate extends MTPL protection to Green Card signatory states.
Roadside assistance (Assistance – optional add-on)
Optional
Roadside assistance is not included in the base MTPL policy. It is available as an optional paid add-on (Ubezpieczenie Assistance) in three tiers: Assistance po Wypadku (PLN 1,000 sum), Assistance po Wypadku i Awarii w Polsce (PLN 10,000 sum), and Assistance po Wypadku i Awarii za Granicą (PLN 15,000 sum), covering towing, on-site repair, fuel delivery, and replacement vehicle services depending on the selected variant.
Driver accident cover (NNW Kierowcy – optional add-on)
Optional
Personal accident cover for the driver is not included in the MTPL policy. It is available as an optional paid add-on (NNW Kierowcy) with selectable sums insured of PLN 10,000 or PLN 20,000. Benefits include death benefit (100% of sum), permanent disability benefit per injury table, daily incapacity allowance (1‰/day from day 10, or from day 1 if incapacity ≥30 days, max 180 days), and medical costs up to 30% of sum insured.
Passenger accident cover (NNW Kierowcy i Pasażerów – optional add-on)
Optional
Personal accident cover for driver and passengers is not included in the MTPL policy. It is available as an optional paid add-on (NNW Kierowcy i Pasażerów) with selectable sums insured per person of PLN 10,000, PLN 15,000, PLN 20,000, or PLN 25,000. The same benefits apply as for NNW Kierowcy. Coverage is worldwide.
Key conditions
Territorial scope
Compulsory MTPL coverage applies primarily on Polish territory. Under the Green Card system, coverage extends to all countries whose national bureaux are signatories to the Multilateral Guarantee Agreement. Claims arising outside Poland are settled in accordance with the law of the country of the event, and may involve different guarantee sums and claim scope.
Green card rules
The Green Card certificate confirms civil liability coverage in Green Card signatory states. If a collision occurs outside Poland in a non-EEA country that is a Green Card system member and the at-fault vehicle is not registered in the country of the incident, the claim must be reported to the National Bureau of the country of the incident or directly to the at-fault party's insurer.
Driver restrictions
The MTPL policy covers any authorized driver of the insured vehicle. However, exclusions apply if the driver at the time of the incident: was under the influence of alcohol (above 0.5‰ blood alcohol) or narcotics and was authorized to use the vehicle; fled the scene of the accident; or did not hold a valid driving licence required under Polish law – unless these circumstances had no causal link to the damage.
Claim notification deadline
The insured is obliged to notify ERGO Hestia of the loss without undue delay after it occurs or after becoming aware of it. Notification can be made by phone (58 555 50 50), via the online account at polisaonline.ergohestia.pl, via the form on ergohestia.pl, or in writing. Intentional or grossly negligent failure to notify promptly may result in a proportional reduction of the claim, but only if the delay contributed to increased damage or prevented investigation of the event.
Bonus-malus rules
You Can Drive applies a bonus-malus system based on the insured's claims history. The premium level depends on the number of claims in the insurance history: more claims result in a higher premium. Profiling is used for premium calculation both at inception and at automatic renewal. No surcharge is applied for young driver age alone.
Where to buy
Documents
General Terms and Conditions – You Can Drive Motor Insurance (I-KDir-YCD-01/20, effective 22 June 2020)
terms_and_conditions
General Terms and Conditions – You Can Drive Motor Insurance (updated version, April 2025, includes Green Card)
terms_and_conditions
You Can Drive – Insurance documents download page (OWU and other policy documents)
other
Policy specifics
Third-party liability coverage
Covers damages caused to third parties' persons or property when policyholder is legally liable
Guarantee limits for property and bodily injury
Property damage liability: 1,050,000 EUR; Bodily injury liability: 5,210,000 EUR
Territory of coverage
Primary coverage on Polish territory; extended coverage under Multilateral Agreement for signatories
Automatic renewal
Policy automatically renews for another 12-month period unless cancelled in writing
Vehicle registration requirement
Insurance must be concluded by vehicle registration date at the latest; for historic vehicles, no later than introduction into traffic
Claim reporting deadline
Policyholder must report claims and provide all circumstances and information to insurer
Duty to disclose changes in circumstances
Policyholder must immediately notify insurer of any changes in circumstances that may affect risk assessment
Policy holder account requirement
Policyholder must be owner of account in You Can Drive system and conclude contract personally