Why Bank Millennium?
- Keep all in one place, your money and your insurance.
- Not only car insurance – you can also insure a motorcycle or scooter.
- Get a customized policy that will best suit your needs.
- Select the most convenient payment method.
Just scan the code in the registration certificate – your vehicle data will be automatically uploaded.Read more
Get the best insurance quotes and choose the option fitted to your needs.
Buy OC, select one of the many AC options, or extend your coverage by adding other insurance.Read more
We appreciate your commitment to safety, and that is why we award discounts of up to 60% for clean insurance record.Read more
Divide the premium into monthly instalments without additional cost, or pay for the whole year in advance by making a single payment.Read more
All in one place and always at hand. Log into Millenet or mobile application to check out or download your insurance policy.
We cooperate with the insurer, whose experience and professionalism guarantee fast assistance and quick claim adjustment.Read more
Just select preferred payment option and make sure you have sufficient funds on your account. We will transfer the premium to the insurer at the right time.Read more
Expand this section to learn more about the OC third party liability insurance
The OC insurance policy term is 12 months.
OC insurance is a third party liability insurance covering incidents that occurred in territory of Poland as well as – under the rule of reciprocity – in the territory of states that are parties to the Multilateral Agreement, i.e. Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Spain, the Netherlands, Ireland, Iceland, Lithuania, Latvia, Luxemburg, Malta, Germany, Norway, Poland, Portugal, Romania, Serbia, Switzerland, Sweden, Slovakia, Slovenia, Hungary, Great Britain, Italy.
This means that the mandatory OC insurance policy purchased in Poland is accepted in the above countries.
Under the Act on Compulsory Insurance, the sum guaranteed by OC insurance amounts to:
for each incident covered by the insurance, irrespective of the number of aggrieved parties, calculated on the basis of the average exchange rate announced by the National Bank of Poland applicable as of the day of the incident.
Expand this section to learn more about AC options
Autocasco (AC) is a comprehensive motor insurance that provides coverage for the cost of vehicle damage repair together with basic equipment in case of incidents identified in the particular insurance option, or provides benefit in case of theft of the vehicle or its part.
AC insurance policy term is 12 months for vehicles under 15 years old.
|AC Mini||AC Ekonomiczne||AC Optymalne|
|Cause of incident||
|Minor collisions and car park incidents||NO||YES||YES|
|Severe or total loss||YES
(as a result of 10 forces of nature or theft)
|Type of claim adjustment||cost estimate-based||cost estimate-based||
|Type of parts used for claim valuation||after-market parts||after-market parts||
|Cancellation of deduction for parts depreciation||YES*||YES*||
|Cancellation of decreasing sum insured||NO||NO||YES|
|Cancellation of reduction in sum insured after loss||NO||NO||YES|
|Deductibles||NO (exemptions: Belarus, Moldova, Russia, Ukraine)||NO (exemptions: Belarus, Moldova, Russia, Ukraine)||NO (exemptions: Belarus, Moldova, Russia, Ukraine)|
|Minimum claim value||500 PLN gross||500 PLN gross||500 PLN gross|
|Refund of cost of replacing keys or other safety features||NO||YES (up to 300 PLN gross)||YES (up to 300 PLN gross)|
|Refund of vehicle parking cost after loss||YES||YES||YES|
* If given after-market part required to be replaced is not available on polish market, the insurance company uses deduction for OEM parts depreciation in cost estimate-based settlement.
Ensure support in case of unexpected situations, including dead car battery, breakdown or fuel failure when en route, and benefit from services such as towing up to 200 km and courtesy car for up to 3 days. Coverage in the territory of Poland.
Get protection in the territory of Europe, use courtesy car up to 5 days, extend the car towing limit to 300 km, and profit from additional benefits such as refund of accommodation cost or substitute driver service.
If you happen to damage windscreen, side or rear windows, the insurer will arrange for the repair or replacement of the damaged window. With the vehicle glass insurance, in case of window glass damage – you do not lose your no-claims discounts.
NNW is a personal accident insurance that protects health and life of the driver and passengers. NNW ensures financial support for the driver and passengers in case of bodily injury, incapacity for work or death. The insurance also covers the refund medical treatment cost.
Expand this section to learn more about Assistance roadside insurance
Assistance is a car roadside insurance that gives you protection in case of unexpected events related to using your vehicle such as:
The Assistance insurance policy term is 12 months. With Assistance Standard the sum insured amounts to 10 000 PLN, while with Assistance Plus – 15 000 PLN.
|Assistance Standard||Assistance Plus|
|Vehicle towing in case of breakdown||YES||up to 200 km per incident;
2 times per year
|YES||up to 300 km per incident;
2 times per year
|Vehicle towing in case of accident||YES||up to 200 km per incident||YES||up to 300 km per incident|
|Trailer/caravan recovery||YES||up to 200 km per incident||YES||up to 300 km per incident|
|Courtesy car in case of accident or theft||YES||up to 3 days||YES||up to 5 days|
|Courtesy car in case of vehicle breakdown or downtime||-||-||YES||up to 5 days|
|Fixing the vehicle at the roadside in case of breakdown or downtime||YES||up to 300 PLN;
2 times per year
|YES||up to 300 PLN or 200 EUR (if loss occurred abroad)|
|Help with tyre change / towing to the nearest tyre fitting center||YES||up to 300 PLN;||YES||up to 300 PLN or 200 EUR (if loss occurred abroad)|
|Refuelling||YES||up to 300 PLN;||YES||up to 300 PLN or 200 EUR (if loss occurred abroad)|
|Bulb replacement||YES||up to 300 PLN;||YES||up to 300 PLN or 200 EUR (if loss occurred abroad)|
|Vehicle battery failure||YES||up to 300 PLN;||YES||up to 300 PLN or 200 EUR (if loss occurred abroad)|
|Refund of cost of leaving the vehicle in a secure car park after breakdown or accident||YES||up to 3 days||YES||up to 5 days|
|Passenger recovery service||YES||up to 300 PLN;
if you are more than 25 km from your place of residence
|YES||up to 300 PLN or 200 EUR (if loss occurred abroad);
you are more than 25 km from your place of residence
|Refund of accommodation costs||-||-||YES||max. 3 nights;
if you are more than 25 km from your place of residence
|Vehicle scrapping service||YES||up to 500 PLN||YES||up to 500 PLN|
|Arranging for substitute driver and refund of the cost of the service||-||-||YES||-|
Expand this section to learn more about car glass insurance
Car glass insurance that covers for repair or replacement of the damaged windscreen, side and rear windows in service centers indicated by the Insurer.
|Policy term||12 months|
|Sum insured||5 500 PLN|
Expand this section to learn more about NNW personal accident insurance
NNW is a personal accident insurance that protects the driver and passengers.
|Policy term||12 months|
|Sum insured||15 000 PLN (per person)|
The service is available in mobile app for Android and iOS devices. If you have a different device, you can purchase motor insurance through your Millenet internet banking system by filling in the vehicle details manually.
How do I get a no-claims discount?
For every year you drive without making a claim you may get a discount for motor insurance. The longer you drive without causing accidents or collisions, the higher your discount will be. You may get as much as 60% off the price of your premium.
The amount of your motor insurance premium depends, among other things, on the place where the vehicle was registered, your claim history or type of the vehicle insured. The amount of the insurance premium discount, on the other hand, depends on the driver and not on the vehicle itself. Because the driver’s claim history is not assigned to one particular car, you will preserve your discounts even if you change your vehicle. Discounts awarded by one insurer are also accepted by other insurance companies.
When paying your premium through Millenet or mobile app, you will be requested to select one of the following types of payment:
You do not have to remember about the deadlines or make the transfers yourself, either. Just make sure you have sufficient funds on the account – we will transfer the premium to the insurer at the right time. Profit from the increased payment flexibility: purchase your insurance even one month prior to the expiry date of your current policy and pay up to two weeks later.
What is the claim adjustment process?
Our insurance partner is Ergo Hestia Group. This insurer is widely appreciated not only by its business partners but, first and foremost, by thousands of satisfied Clients.
As ERGO Hestia Group is a member of the Direct Loss Indemnification System (Bezpośrednia Likwidacja Szkód), you will be able to use the insurer’s claim adjustment system, even if you purchase only OC third party liability insurance.
It means that if somebody damages your car, you don’t have to call the perpetrator’s insurer. Instead, the claim will be settled directly by Ergo Hestia Group.
Insurance cover is provided under individual motor insurance by STU ERGO Hestia SA with head office in Sopot (hereinafter: “the Insurer”). For detailed terms and conditions of insurance cover as well as the full list of Insurer’s liability exclusions and limitations see Terms and Conditions of Motor Insurance for Customers of Bank Millennium, Product Cards concerning the motor insurance and insurance product information documents, respectively, available on www.bankmillennium.pl.
The Insurance Agreement shall be concluded by the Customer with the Insurer via Bank Millennium SA (hereinafter: “the Bank”), acting in the capacity of insurance agent. The Bank is listed under No. 11162860/A in the Register of Insurance Agents kept by Polish Financial Supervision Authority (https://rpu.knf.gov.pl/). Detailed information about the Bank’s activity as insurance agent required by the Act on insurance distribution, including fee information, principles for filing claims and complaints, and out-of-court settlement of disputes can be found in the Product Cards concerning this motor insurance, including Insurance Agent information.
Motor insurance is offered to the Bank’s customers who have a current account or credit card in the Bank together with active access to Millenet internet banking or to the Bank’s Mobile App. The motor insurance offering is not available for vehicles used for commercial purposes, leased vehicles and vehicles with the steering wheel on the right hand side. AC (comprehensive) insurance, Assistance, NNW (casualty) and Window glass insurance cannot be purchased as stand-alone products and may be bought only together with OC (third-party liability) insurance.
Messages, including text (SMS) and PUSH messages, sent and made available by the Bank to promote motor insurance constitute marketing information.