Uniqa Fire and Theft Insurance

Insurance company Uniqa

Minicasco – Car Insurance Against Fire and Theft at Uniqa

Insurance is especially important for those who use unguarded parking lots.

Why should you purchase this insurance?

• For a low premium (starting at just 89 PLN/year), you can protect your car against theft of the vehicle or its parts, as well as against damage caused by natural disasters, including fire, hail, flooding, and torrential rain.
• The cost of insurance is extremely favorable, due to the deductible of 10 or 20%.
• You can purchase Minicasco as an add-on to the OC Package; in the OC+AC Package, this coverage is already included in the AC policy.

What do you need to know about car theft insurance?

According to police statistics, 7,109 investigations into car thefts were opened in 2022—an average of 19 thefts per day. However, if we purchase insurance against this type of incident, the financial losses won’t be quite as painful.

Owners of new and high-value cars, in particular, should consider this type of insurance. The more attractive the car, the greater the risk of theft. In addition, people who use unguarded parking lots or park on the street should consider this type of insurance. Sometimes, wheel locks, immobilizers, and GPS transmitters are not enough to stop a thief who can bypass these security measures in a matter of seconds.

What should you keep in mind when insuring a vehicle?

Typically, theft coverage is included in a comprehensive auto insurance policy. However, it’s worth paying attention to the different options insurers offer for comprehensive coverage. You can either insure your car against theft only or simply extend the coverage to include unforeseen events. The best comprehensive auto insurance option is to extend it to cover damage resulting from a traffic accident, damage caused by third parties, or damage resulting from unforeseen events, such as hail, strong winds, flooding, or fire. You can review the detailed scope of coverage in the General Insurance Terms and Conditions.

You should also pay attention to the territorial scope of coverage. If you’re planning long trips outside of Poland, it’s a good idea to make sure that your insurance coverage also applies in other European countries.

Remember! If you’re signing a car insurance policy, check to see if the insurer requires you to install additional mechanical or electronic security devices. If you fail to meet these requirements and your car is stolen, you may not receive compensation. The same applies to situations where the car is left unlocked or has damaged locks.

You must also not leave your vehicle registration certificate or spare keys inside the car. In such a case, your claim for compensation may also be denied.