• 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:

  • 5 210 000 EUR for personal injuries,
  • 1 050 000 EUR for property damage,

  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.

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• 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.

  Compare insurance

  	AC Mini	AC Ekonomiczne	AC Optymalne
  Cause of incident	fire, explosion, sinking, hurricane, hailstorm, lightning strike, avalanche, flood, earthquake or ground collapse due to non-human; sudden occurrence of thermal or chemical factors to the exterior of the vehicle; theft.	collision of vehicles; sudden collision of vehicle with people, animals or objects to the exterior of the vehicle; acts of vandalism; collision of sports equipment stored in the external trunk/ rack with the objects to the exterior of the vehicle; fire, explosion, sinking or sudden act of nature; sudden occurrence of thermal or chemical factors to the exterior of the vehicle; theft.
  Minor collisions and car park incidents	NO	YES	YES
  Severe or total loss	YES (as a result of 10 forces of nature or theft)	YES	YES
  Theft	YES	YES	YES
  Type of claim adjustment	cost estimate-based	cost estimate-based	non-cash adjustment - repair in certified repair shops (for vehicles under 9 years old), cost estimate-based (for vehicles from 9 up to 15 years old).
  Type of parts used for claim valuation	after-market parts	after-market parts	OEM parts (if repaired in certified repair shops), after-market parts (in case of cost estimate-based settlement).
  Cancellation of deduction for parts depreciation	YES*	YES*	YES (if repaired in certified repair shops), YES* (in case of cost estimate-based adjustment).
  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.

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• 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:

  1. collision of vehicles;
  2. collision of vehicle with people, animals or objects to the exterior of the vehicle;
  3. acts of vandalism;
  4. collision of sports equipment stored in the external trunk/ rack with the objects to the exterior of the vehicle;
  5. fire, explosion, sinking, or unexpected acts of nature;
  6. burnt out bulb;
  7. sudden occurrence of thermal or chemical factors to the exterior of the vehicle;
  8. theft of vehicle or its part;
  9. breakdown;
  10. vehicle downtime.

  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.

  Compare Assistance insurance options

  	Assistance Standard		Assistance Plus
  	range	limit	range	limit
  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	-
  Helpline	YES	-	YES	-

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• 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
  Coverage territory	Poland

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• 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)
  Coverage territory	Europe

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Frequently Asked Questions

• 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.

  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.

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• How can I pay my premium?

  When paying your premium through Millenet or mobile app, you will be requested to select one of the following types of payment:

  • Single payment – if you want to pay the premium for the entire year in advance;
    the amount will be automatically deducted from your Bank Millennium account or credit card.
  • Monthly payments – if you want to divide your annual premium into 12 instalments at no additional cost;
    the amount will be automatically deducted from your Bank Millennium account.

  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.

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• 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.

  • The insurer provides its Clients with the direct telephone and e-mail contact to the claims officer.
  • 175 mobile claims adjusters throughout Poland are at Clients’ disposal at any place and time – within 48 hours from filing the claim at maximum.
  • Mobile claims adjusters perform an on-site cost-estimate, and – in case of a simple claim – may take an immediate decision about benefit payout.

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