How to choose the right car insurance
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Car insurance is one of the most important aspects of ensuring the financial security of drivers in Poland. Choosing the right policy depends on many factors, such as vehicle type, age, driving style, and location. In this article, we'll 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 insurance (OC) is mandatory in Poland. It provides financial protection against damage to other people or property resulting from a road accident in which you are involved. Every vehicle owner is required to have this insurance, regardless of the vehicle's age or value.
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 Comprehensive insurance (Auto Casco)
Auto Casco is voluntary insurance that protects the vehicle owner in the event of damage, theft or destruction of the vehicle as a result of an accident, fire, flood or other random events.
How does AC work?
- Covers the cost of repairing your vehicle after an accident, even if you are at fault.
- In the event 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 windows or electronic equipment in the vehicle.
2.3 Personal Accident Insurance
Personal accident insurance (NNW) provides protection for the health and life of the driver and passengers in the event of a car accident. While voluntary in Poland, it's definitely worth considering, as it covers the costs of treatment and rehabilitation, and also provides compensation in the event of permanent damage.
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 provides assistance in the event of a vehicle breakdown or accident. It may include roadside assistance, towing, replacement vehicle rental, 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 your vehicle is stolen. This coverage can cover both the theft of the vehicle itself and the removal of its parts or equipment.
How does theft insurance work?
- Covers costs related to theft of the vehicle, both its value and any removed parts.
- It may also cover damage resulting from vehicle break-ins.
Product features
Table showing the basic features of different types of car insurance:
| Insurance type | 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, and destruction | Voluntary, expandable with additional options |
| Personal accident | 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, may be part of AC |
Product installation
Car insurance doesn't require physical installation, but concluding a contract and tailoring the offer to your needs is crucial. Most insurance companies in Poland offer the option of concluding a contract online or directly at an 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 the 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 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 the automotive industry. Initially, in the 1920s and 1930s, third-party liability insurance was voluntary. It was not until after World War II that mandatory third-party liability insurance was introduced, and in the 1990s, additional options began to be offered, such as comprehensive coverage and roadside 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.