Motor insurances

About insurance

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.

You will insure a vehicle using your mobile or computer, quickly and conveniently

Benefits

  • No need to enter data

    No need to enter data

    Just scan the code in the registration certificate – your vehicle data will be automatically uploaded.

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    No need to enter data - Read more
  • Offer customized to your vehicle

    Offer customized to your vehicle

    Get the best insurance quotes and choose the option fitted to your needs.

  • Broad selection of options

    Broad selection of options

    Buy OC, select one of the many AC options, or extend your coverage by adding other insurance.

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    Broad selection of options - Read more
  • No-claims discount

    No-claims discount

    We appreciate your commitment to safety, and that is why we award discounts of up to 60% for clean insurance record.

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    No-claims discount - Read more
  • Flexible payments

    Flexible payments

    Divide the premium into monthly instalments without additional cost, or pay for the whole year in advance by making a single payment.

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    Flexible payments - Read more
  • Online access to the policy

    Online access to the policy

    All in one place and always at hand. Log into Millenet or mobile application to check out or download your insurance policy.

  • Quick claim adjustment

    Quick claim adjustment

    We cooperate with the insurer, whose experience and professionalism guarantee fast assistance and quick claim adjustment.

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    Quick claim adjustment - Read more
  • No need to remember about deadlines

    No need to remember about deadlines

    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.

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    No need to remember about deadlines - Read more

OC/AC insurance

  • OC is a basic third-party liability insurance. It is mandatory in Poland and protects persons injured in an accident caused by you. TPL does not provide protection for your vehicle in case of theft or other unexpected events.
  • AC Mini provides protection in case of vehicle theft and damage caused by forces of nature. Claim adjustments are calculated using the price of spare parts. On the basis of a cost-estimate the insurer pays out the benefits that allow you to arrange for the repair of the vehicle yourself. Coverage in the territory of Poland.
  • AC Economic provides protection in case of an accident, collision, theft, vandalism or vehicle damage caused by forces of nature. Claim adjustment is be based on the price of spare parts. On the basis of a cost-estimate the insurer pays out the benefits that allow you to arrange for the repair of the vehicle yourself. Coverage in the territory of Europe.
  • AC Optimal provides protection in case of an accident, collision, theft, vandalism or vehicle damage caused by forces of nature and guarantees a fixed sum insured. In case of a loss, your vehicle will be repaired at certified repair shops, using OEM parts exclusively (the vehicle cannot be older than 9 years). Coverage in the territory of Europe.
  • 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:

    • 5 000 000 EUR for personal injuries,
    • 1 000 000 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.


  • 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
    1. fire, explosion, sinking, hurricane, hailstorm, lightning strike, avalanche, flood, earthquake or ground collapse due to non-human;
    2. sudden occurrence of thermal or chemical factors to the exterior of the vehicle;
    3. theft.
    1. collision of vehicles;
    2. sudden 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 sudden act of nature;
    6. sudden occurrence of thermal or chemical factors to the exterior of the vehicle;
    7. 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.


Additional options

  • Assistance Standard

    Assistance Standard

    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 150 km and courtesy car for up to 3 days. Coverage in the territory of Poland.

  • Assistance Plus

    Assistance Plus

    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.

  • Car glass

    Car glass

    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

    NNW

    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:

    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 150 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 150 km per incident YES up to 300 km per incident
    Trailer/caravan recovery YES up to 150 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 -

  • 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 5 000 PLN
    Coverage territory Poland

  • 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

How to insure your vehicle

Insure your vehicle online – there’s no quicker way!

Fill out your application through Millenet or mobile app to buy insurance in just a few seconds.

If you are not our Client yet, open account with Bank Millennium.

Open your account

How to buy insurance through Millenet

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How to buy insurance through the application

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Useful information

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. 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.


  • 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.


  • 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.

Need more information? Get in touch with us

Check your quote
and buy insurance online

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Should you have any questions,
call us at

22 598 41 07

Monday to Friday , 10.00 a.m. to 6.00 p.m.
for mobile and fixed-line phones

Additional information

For individual motor insurance products, the insurance coverage is provided by STU ERGO Hestia SA with headquarters in Sopot. For the detailed terms and conditions of insurance protection and complete list of exemptions and limitations of the insurer’s liability, see Motor Insurance Terms and Conditions for Bank Millennium Clients and Product Cards for motor insurance on the website www.bankmillennium.pl.

The insurance agreement is concluded by the Client with insurer through Bank Millennium SA (hereinafter referred to as the “Bank”), operating as an insurance agent. The Bank has been entered to the register of insurance agents kept by the Polish Financial Supervision Authority, under number 11162860/A. The motor insurance is addressed to the Bank’s clients who hold current account or credit card together with active access to the Bank’s Millenet online banking or Mobile Application. The motor insurance offer is not available for vehicles used in business activity, leased vehicles or cars with driving wheel on the right hand side. AC comprehensive motor insurance, Assistance roadside insurance, NNW personal accident insurance and Ubezpieczenie Szyb car glass insurance cannot be purchased as a separate product and may be purchased only together with OC third party liability insurance.