Motor vehicle insurance

OUR COMPANY PROVIDES MOTOR VEHICLE INSURANCE PACKAGES

Motor vehicle insurance provided by our company refers to most brands of cars.

Package insurance provides comprehensive protection within the extent of civil liability, accident and theft insurance, accident insurance, international travel insurance and assistance. Thanks to the package insurance offered by PZU our customer can take advantage of profitable insurance premium along with the special conditions of insurance contract.

Above-mentioned insurance plans involve both new and several years cars.

THIRD PARTY VEHICLE OWNER POLICY – MANDATORY INSURANCE FOR THE OWNERS OF VEHICLES

Following the provisions of the Law on Mandatory Insurance ( the Act of 23rd May 2003), Insurance Guarantee Fund and Polish Motor Insurers’ Bureau, any holder of a motor vehicle registered in Poland is obliged to conclude a contract of motor third party liability insurance in respect of motor vehicle held. The original of insurance policy or a copy of the last premium should always be kept on one’s person.
Third party vehicle owner policy protects the driver of the insured vehicle throughout the period of insurance coverage in the case of accident and accident related damage.

CONTRACT PERIOD

The insurance contract is for a 12 month period. We accept the contract for less than 12 months in the case of permanently registered vehicle, under condition that the insurance contract is signed by a trader operating a business considering either buying and selling auto brokerage service within the scope of motor vehicles classified as held for trading or buying and selling services. Additionally, less than 12 month contract is available in the case of temporally registered vehicle, the vehicle registered abroad, low powered or historic vehicle, within the meaning of The Road Traffic Law.

INSURANCE POLICY CONTINUATION

Please note that written contract termination is to be submitted at least one work day ahead of the contract expiration date. Otherwise it is assumed that the owner of the motor vehicle prolongs his contract for another 12 month period. Despite the lack of written notification, another contract is not to be concluded in the case of the owner of the motor vehicle with unpaid-up premium specified in the contract. Therefore, the responsibility of the insurance company is finished with the expiration day of the preceding 12 month contract.

Our customers are entitled to the benefit of the discount either for the continuation of the insurance contract for the same vehicle or when the owner of the vehicle uses our services again after he or she has sold the previous vehicle and wants to insure the newly acquired vehicle.

INSURANCE OBLIGATION

Under the Mandatory Insurance Law, the obligation to carry third party vehicle owner policy applies to the owners of:

• motor vehicles, tractors, motorcycles and trailers within the meaning of The Road Traffic Law,
• low powered vehicles within the meaning of The Road Traffic Law, with the exception of the low powered vehicles which are the property of the cultivator and the owner of the farm providing that the vehicles are solely used for agricultural operations,
• historic vehicles.

Settlement of mandatory third party vehicle owner policy for the owners and drivers of the motor vehicles is invariably compulsory when driving abroad, driving prior to the registration of the vehicle or when driving the vehicle registered abroad, the vehicle without the permission to use within the territory of Poland or the historic vehicle from the moment of introduction into the traffic.
The owner of the motor vehicle is obliged to enter into third party vehicle owner policy contract:

• at the latest on the day of the motor vehicle registration, with the exception of the historic vehicles;
• prior to the introduction of the low powered vehicles and historic vehicles into the traffic;
• prior to crossing the border, in the case when the owner or the driver of the motor vehicle introduced into the traffic within the territory of Poland does not carry third party vehicle owner policy for the motor vehicle owners;
• prior to the introduction of the unregistered motor vehicles, tractors, motorcycles and trailers into the traffic;
• prior to the introduction of the unroadworthy low powered and historic vehicles into the traffic;
• prior to the introduction of the vehicles registered abroad, without the permission to use within the territory of Poland;
• at the latest on the day of the expiration of the responsibility of insurance company in the case when the insurance company’s responsibility ends with the 12 month period,
• with unpaid premium specified in the contract.

INSURANCE PREMIUM

The amount of third party insurance premium is determined by many factors. Namely:

• the type of vehicle,
• the region of vehicle registration,
• the age of the vehicle’s owner,
• no claims insurance history / record of claims in insurance history – up to 60% no claims discount on your insurance,
• insurance continuation – continuation discount either for the continuation of the insurance contract for the same vehicle or when the owner of the vehicle uses our services again after he or she has sold the previous vehicle and wants to insure the newly acquired vehicle,
• instalment premium payment.

ACCIDENT AND THEFT INSURANCE

PZU offers the insurance for vehicles registered within the territory of Poland, including insurance of the equipment, in the case of damage or theft.

The multiple insurance plans are prepared to suit your needs. The customers who choose full insurance plan are entitled to receive extra free roadside assistance for unforeseen emergency situations on the road.

INSURANCE PREMIUM

• Accident and theft insurance premium payment is expressed as a percentage of insurance carried and depends on following factors:
• the type of vehicle,
• vehicle exploitation period (the age of vehicle),
• the sum insured, the vehicle’ value,
• the region of vehicle registration,
• the age of vehicle owner – if he or she is a natural person,
• instalment premium payment,
• level of motor vehicle insurance,
• deductible per claim,
• other spikes and discounts.

Additionally, the amount of premium is free insurance history related. Discounts are available based on the number of years that you have been claim free. The maximum 60% discount is given for 8 years claim-free driving.

Continuation discount is given either for the continuation of the insurance contract for the same vehicle or when the owner of the vehicle uses our services again after he has sold the previous one and wants to insure the newly acquired vehicle.

INSURANCE COVERAGE

Our customers can choose from two options: collision or comprehensive insurance.

• Comprehensive vehicle insurance – covers all types of damage specified in the contract, including theft,
• collision vehicle insurance – covers all types of damage specified in the contract, excluding theft-related damage.

In the case of short-term insurance contracts, only collision vehicle insurance is available.