You Can Drive Motor third-party liability (Oc Komunikacyjne)

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.

Driver restrictions

The § 17 'General Exclusions' in the You Can Drive OWU (alcohol or drug intoxication, fleeing the scene, lacking a required driving licence) attach, per § 17 ust. 2-3, to the voluntary covers this document governs -- Autocasco, Assistance, NNW, Glass and Tyres -- not to the compulsory MTPL (OC) liability cover, which this OWU does not regulate.

Section: II. Zakres odpowiedzialności ERGO Hestii > Wyłączenia Generalne

5) jeżeli kierujący: a) w chwili zdarzenia znajdował się w stanie po spożyciu alkoholu lub w stanie nietrzeźwości, pod wpływem narkotyków lub innych środków odurzających, lub leków o podobnym działaniu i był upoważniony do użytkowania pojazdu, chyba że nie miało to wpływu na powstanie szkody i nie pozostaje z nią w jakimkolwiek związku przyczynowo skutkowym, lub

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.

Territorial scope

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)