PZU Auto AC

Insurance company PZU

Do you own a motor vehicle? You probably know that a lot of things can happen to a driver: an accident, theft, a hailstorm… In the event of such problems, our comprehensive auto insurance can help. It doesn’t matter how serious the problem is—whether in Poland or abroad. We’ll pay compensation for theft or damage to your vehicle, regardless of whether you were at fault.

Who is it for?

This insurance is designed for vehicle owners who are concerned about the possibility of their vehicle being stolen, damaged, or destroyed.

When and how can we help?

We provide assistance in a variety of situations. Find out when we can repair your car and when we can pay out compensation.

Collision or accident

We will cover the costs of repairs and replacement parts if your car is damaged or destroyed, for example:

• you'll get into a fender-bender,
• Someone damages your car and dents the body,
• A storm, hail, or other weather event could damage your car.

Theft

We will pay compensation if someone:

• steals a vehicle,
• steals a part or some equipment from your car,
• will damage the vehicle during a break-in or attempted break-in.

Our basic auto insurance does not provide coverage in Belarus, Russia, Ukraine, and Moldova—the so-called “BRUM theft” coverage.

…other events

Our comprehensive auto insurance coverage applies in many situations—even those we can’t imagine. It’s insurance that covers all risks. We’ll take care of repairing your vehicle not only after a collision, but also if:

• rodents will chew through the cables,
• the car will fall into an ice hole,
• A wild boar will run out in front of the car and damage the radiator,
• A flying object, such as a drone, will fall onto your vehicle.

We are liable for all incidents that are not expressly excluded in the general insurance terms and conditions.

Insurance Options

We offer three types of comprehensive auto insurance: service, optimal, and partner. See how you can have damage repaired depending on which option you choose:

• Service Option – for customers who value the brand and quality guaranteed by the car manufacturer or who primarily use authorized service centers. If the car requires repairs, we will use genuine parts.
• The optimal option—for those who value high quality at a reasonable price. Alternative parts will be used for the repair—parts that are not branded by the vehicle manufacturer but are of proven quality (comparable to that of original parts).
• Partner Plan – designed for people looking for affordable comprehensive auto insurance. We’ll use original parts for repairs, without reducing their prices to account for so-called depreciation. The condition is that repairs must be performed at one of our partner repair shops.

Extensions to the Scope of Coverage

For an additional fee, you can expand the scope of your comprehensive auto insurance coverage, for example, to include luggage coverage or a replacement car for the entire duration of your vehicle's repairs.

• Auto Non Stop – We’ll provide you with a replacement car while your vehicle is being repaired and arrange for the repairs to be done through the PZU Repair Network.
• Vehicle Value Guarantee (Auto Value 100%) – Your car will be worth the same to us—all year long.
• Auto Protection: Insured Amount – We guarantee a fixed insured amount, so even after several fender-benders, you’ll receive full compensation for your car.
• Luggage Insurance – We'll reimburse you for your belongings that are damaged in an accident or stolen from your car.
• Replacement Vehicle – You rent any replacement vehicle of your choice, and we’ll reimburse you for the costs (up to a mutually agreed-upon limit).
• Exclusion of a claim from comprehensive auto insurance—an additional “claim exclusion” option—ensures that the first claim under a comprehensive auto insurance policy will not affect the premium when you purchase another comprehensive auto insurance policy from PZU.
• Car Towing – We will reimburse you for the cost of towing your car if those costs exceed the amount covered under your comprehensive auto insurance policy.
• Non-standard use – we’ll insure your car against damage that occurs while it’s being used for non-standard purposes, such as a taxi or for driving lessons.
• Theft in BRUM – we will pay compensation if your car, a part of it, or an accessory is stolen in Belarus, Russia, Ukraine, or Moldova.

Reductions in the Scope of Coverage

You can add options to your insurance policy that will limit its coverage. This will lower your premium and allow you to tailor the policy to your needs. See how to do it.

• Fixed deductible – we always deduct a fixed amount from the compensation.
• 25% deductible for young drivers—there is an option to reduce the compensation premium by 25% of the damage amount if the vehicle owner is under 26 years of age. This way, you’ll pay less.
• AC Mini – this is a less expensive insurance policy, but it offers less coverage than comprehensive AC insurance.

Why is it worth it?

• Quick repairs at one of the 1,200 repair shops that partner with PZU.
• A free package of basic roadside assistance services from PZU Pomoc w Drodze Komfort, such as towing and a replacement car.
• Coverage even for events you can't even imagine today—as long as they aren't specifically excluded in the general terms and conditions of insurance.

Insurance Coverage – Exclusions and Limitations

The insurance does not cover, among other things, the following types of damage:

• whose value does not exceed 300 PLN—except for damage caused to the vehicle’s interior by persons whose transportation was necessary to provide them with medical assistance,
• caused by the fact that the insured, a person authorized to use the vehicle, or a person living in the same household as the insured, is driving the vehicle without a valid license,
• operating costs,
• vehicle equipment that is not listed in the contract.

You can find a complete list of situations that are not covered by our insurance in the general terms and conditions of insurance.