Category: Motor insurance

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Legal Protection for Motor Vehicle Owners

The subject of the insurance is to enable the insured to defend their legal interests, with the insurer covering the related costs. Coverage is provided exclusively for matters related to the operation, ownership, or use of the insured vehicles.

This insurance covers the costs of:

  • pursuing compensation claims arising from torts,,
  • defense in criminal proceedings and proceedings related to misdemeanors,
  • proceedings concerning the suspension of a driver’s license or vehicle registration certificate,
  • disputes arising from contracts related to vehicles (including insurance contracts), and
  • disputes regarding vehicle ownership rights.

Legal Protection Insurance provides the user of the insured vehicle with professional legal assistance and covers the associated costs in the event of legal issues related to, for example:

  • claims settlement (unjustified refusal to pay compensation, arbitrary undervaluation of compensation, delays in settlement, etc.),
  • vehicle detention by the police or other authorities, road accidents,
  • temporary detention of the driver in connection with a road accident (including under the influence of alcohol),
  • conducting criminal proceedings, and
  • suspension of the vehicle registration certificate or driver’s license.
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Green Card

The Green Card is an international insurance certificate that confirms the holder of a motor vehicle has the mandatory liability insurance. The Green Card is required in the territory of 13 countries, namely:

  • Albania,
  • Belarus,
  • Bosnia and Herzegovina,
  • Montenegro,
  • Iran,
  • Israel,
  • Russia,
  • North Macedonia,
  • Morocco,
  • Moldova,
  • Tunisia,
  • Turkey,
  • Ukraine.

For countries in the European Union and the European Economic Area, Poles can enter without a Green Card. Following Poland’s accession to the European Union, the mandatory motor vehicle liability insurance (OC) also covers incidents occurring not only within Poland but also in EU member states, the European Economic Area, and Switzerland. Therefore, a Green Card is not required for entry into these countries.
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Assistance

Assistance insurance, depending on the selected option, provides support to the driver and passengers of the insured vehicle in difficult situations during a journey. Such situations include car accidents, breakdowns, immobilization, or theft of the vehicle. In essence, Assistance acts as a “roadside assistant.”

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Personal Accident Insurance for Drivers and Passengers (NNW)

Personal Accident Insurance (NNW) is aimed at owners of motor vehicles. It applies to individuals, legal entities, and organizational units without legal personality.

NNW Insurance covers permanent consequences of accidents that occur both in Poland and abroad. The insurance protection applies to the driver of the vehicle and its passengers (in a number consistent with the vehicle’s registration document).
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Autocasco

We recommend Autocasco Insurance (Casualty and Collision) to owners of passenger cars. It guarantees compensation in the event of damage to the vehicle or its equipment caused by:

  • an accident,
  • actions of third parties,
  • fortuitous events (e.g. flooding, fire),
  • theft,
  • the impact of thermal or chemical factors.

Depending on the selected option, the insurance coverage may include the full range of these events. Additionally, the coverage can apply to incidents occurring not only in Poland but also abroad.

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Motor Vehicle Liability Insurance

Motor Vehicle Liability Insurance is mandatory. This means that anyone registering a motor vehicle in Poland is required to obtain such a policy. Motor vehicles include:

  • automobile,
  • tractor,
  • moped,
  • trailer, as well as
  • slow-moving vehicle.

Overall, this insurance protects the owner or driver of a vehicle from the financial consequences of damages caused to third parties. The insurer compensates the injured party on behalf of the vehicle owner. On one hand, the insurance safeguards the liable party’s assets, while on the other, it guarantees the injured party’s claims are satisfied.

The principles for concluding and executing Motor Vehicle Liability Insurance agreements are governed by the Act of May 22, 2003, on Compulsory Insurance, the Insurance Guarantee Fund, and the Polish Motor Insurers’ Bureau [PBUK] (Dz.U. z 2003 r., Nr 124, poz. 1152 z późn. zm.).
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Insurance for Fleet Vehicles

Fleet insurance is a key solution for entities that manage a larger number of vehicles.

This insurance reduces costs—by concluding a single agreement for the entire fleet, more favorable rates can be obtained compared to individual policies for each vehicle. A unified fleet insurance policy also allows for the convenient addition or removal of vehicles under a single contract, simplifying fleet management and saving time.

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