Uniqa Third-Party Liability and Comprehensive Insurance

Insurance company Uniqa

Third-Party Liability and Comprehensive Insurance at Uniqa

This coverage ensures that the costs of repairs or compensation for minor or total damage will be covered.

Benefits of Third-Party Liability and Comprehensive Insurance:

• We offer competitive prices—see for yourself by calculating your premium online or by phone.
• This plan includes liability insurance, comprehensive insurance, and MIDI Assistance. You can purchase the Green Card as an optional add-on (starting at 20 zł per year).
• You can pay for your policy in installments or using any payment method.
• You'll ensure comprehensive protection in a variety of situations on the road.
• You'll keep your discounts for accident-free driving.
• If you extend your coverage to include the Guaranteed Sum Insured Plus (GSU+), the vehicle’s value will not decrease throughout the entire term of the policy. In the event of a total loss or theft, the compensation will correspond to the value of the car as of the date of the incident—no less than the value specified in the policy and no more than 110% of that value.

Insurance coverage included in the OC+AC package:

• OC – mandatory auto liability insurance, which protects you against civil liability for damages you cause to others in connection with the operation of your vehicle.
• AC – Comprehensive Auto Insurance, which guarantees coverage of repair costs or compensation in a variety of incidents—ranging from minor ones (including fender benders, vandalism) to total losses (including loss of the vehicle due to fire, natural disasters, or the vehicle being declared a total loss after an accident), as well as loss of the vehicle due to theft.

You decide on the scope of your insurance coverage.

• How to have the damage repaired—at an Authorized Service Center (ASO), based on a cost estimate, or at a repair shop.
• Does the coverage area for comprehensive auto insurance include all of Europe?
• Does it provide coverage for additional vehicle equipment? (option available when purchasing by phone)
• Will the compensation be reduced by the so-called depreciation of the parts (wear and tear)?
• What portion of the compensation will be your share (deductible)?

Remember! Liability insurance will not cover you in the event of damage to your car, nor will it pay compensation for bodily injury resulting from a traffic accident. For your safety, we recommend expanding your coverage with the additional options we offer.