How to choose the right car insurance
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Car insurance is one of the most important aspects of ensuring financial security for drivers in Poland. Choosing the right policy depends on many factors, such as the type of vehicle, its age, driving style and location. In this article, we will show you how to choose the best car insurance in Poland, discussing the different types of policies and their advantages.
How to Choose the Right Car Insurance
2.1 Third Party Liability Insurance (Third Party Liability)
Third party liability insurance is mandatory in Poland. It provides financial protection in the event of damage to other people or property as a result of a road accident in which you are involved. Every vehicle owner must have such insurance, regardless of the age or value of the vehicle.
How does third party liability insurance work?
- Covers the costs of repairing property and treating victims of an accident you are responsible for.
- Protects you against third-party claims in the event of damage to your vehicle or the health of other people.
2.2 AC insurance (Autocasco)
Autocasco is voluntary insurance that protects the vehicle owner in the event of damage, theft or destruction of the car as a result of an accident, fire, flood or other accidental events.
How does AC work?
- Covers the cost of repairing your vehicle after an accident, even if you are the cause.
- In case of theft, the insurance company pays compensation corresponding to the value of the vehicle.
- Possibility of extending with additional options, such as insurance against damage to glass or electronic equipment in the vehicle.
2.3 Personal Accident Insurance (NNW)
Personal accident insurance provides protection for the health and life of the driver and passengers in the event of a car accident. In Poland, this is voluntary insurance, but it is definitely worth considering, as it covers the costs of treatment, rehabilitation, and also pays compensation in the event of permanent damage to health.
How does NNW work?
- Protecting the health of the driver and passengers in the event of an accident.
- Covers the costs of treatment, rehabilitation, and possible pensions in the event of permanent damage.
- Possibility to purchase additional options, e.g. life insurance.
2.4 Assistance Insurance
Assistance insurance is help in the event of a vehicle breakdown or accident. It can include roadside assistance, towing, rental of a replacement car, as well as medical and legal assistance in the event of an accident.
How does Assistance work?
- Roadside assistance in the event of a breakdown or accident.
- Towing the vehicle to a workshop or place of residence.
- Providing legal and medical assistance, as well as providing a replacement car for the duration of vehicle repairs.
2.5 Theft insurance
Theft insurance provides financial protection in the event that your vehicle is stolen. This insurance can cover both the theft of the vehicle itself and the removal of its parts or equipment.
How does theft insurance work?
- Covers costs associated with theft of a vehicle, both its value and any removed parts.
- It may also cover damage resulting from break-ins to the vehicle.
Product Features
Table showing the basic features of different types of car insurance:
| Type of insurance | Scope of protection | Contents of the contract |
|---|---|---|
| Third Party Liability | Coverage for the costs of repairing damage caused to other people | Mandatory, depending on the contribution amount |
| AC | Protection against damage, theft, destruction | Voluntary, expandable with additional options |
| NNW | Protecting the health of the driver and passengers in the event of an accident | Voluntary, additional options depending on your needs |
| Assistance | Assistance in the event of a breakdown, accident, towing, car rental | Voluntary, available in various variants |
| Theft insurance | Protection against theft of your car and parts | Voluntary, can be part of AC |
Product installation
Car insurance does not require physical installation, but concluding a contract and adapting the offer to your needs is crucial. Most insurance companies in Poland offer the option of concluding a contract online or directly at the agent's office.
Stages of choosing insurance:
- Selecting the right offer based on vehicle type.
- Comparison of offers from different insurers.
- Conclusion of the contract and payment of premium.
- Issuance of policy and insurance confirmation.
Product benefits
- Financial security: Insurance gives you a sense of security in the event of an accident or breakdown, protecting you against large expenses.
- Equanimity: Having the right insurance reduces the stress of having to worry about potential repair or medical costs.
- Savings: In the long run, insurance can reduce the costs associated with repairs or the loss of your vehicle.
Product History
Car insurance in Poland has developed in parallel with the development of motorization. Initially, in the 1920s and 1930s, third party liability insurance was voluntary. It was not until after World War II that compulsory third party liability insurance was introduced, and in the 1990s additional options began to be offered, such as AC and Assistance.
Product Problems and Solutions
- Problem: Dissatisfaction with the amount of the contribution.
- Solution: Comparison of offers from different insurers, selection of options without unnecessary extensions.
- Problem: Protection restrictions.
- Solution: Carefully read the terms of the contract before signing, possibility of extending protection.