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Fleet4You Insurance program

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Fleet insurance dedicated to entrepreneurs with a minimum of 10 vehicles. Insurance against road incidents and theft.

MTPL, casco and accidental insurance are comfort and safety in the field of insurance that guarantees the protection of the vehicle belonging to the fleet and also ensures the protection of life and health of both the driver and passengers as a result of events occurring in the country and abroad. The process of concluding an insurance contract is simple and fast, and the claim adjustment is at the highest level.

The agreement includes a package of the following fleet insurances dedicated to owners of small and medium-sized fleets

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MTPL insurance (mandatory)

Compulsory MTPL insurance applies to personal and material damage that occurred in road accidents. The insurance guarantees benefits to third parties injured as a result of an accident or collision. The upper limit of the Insurer's liability in one event the consequences of which are covered by the insurance is EUR 1,050,000 in the case of damage to property, and in the case of personal injury is EUR 5,210,000. The insurance contract is concluded for a period of 12 months and is automatically extended. The insurance is valid on the territory of Polish and countries that have signed the Multilateral Agreement – almost all of Europe.

Casco insurance

Motor insurance for damage to the vehicle. The insurance also covers vehicle equipment, car keys and travel luggage. The insurance guarantees coverage of the costs of repairing the vehicle in the event of its destruction or damage and protects against the financial consequences of the loss of the vehicle or its equipment, as a result of the event and the actions of third parties. In the event of theft of keys or luggage, the insurance will compensate for losses up to the amount of the sum insured indicated in the GTC. The sum insured for the vehicle is determined as at the date of commencement of insurance cover and may constitute, depending on the value declared by the Policyholder as at the date of commencement of insurance cover: net value of the vehicle, net value of the vehicle + 50% VAT or gross value of the vehicle. The insurance contract is concluded for a period of 12 months and the insurance cover is provided on the territory of Polish and within the geographical borders of Europe, except for Ukraine, Moldova, Russia and Belarus.

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Green Card Insurance

If you want to travel to countries such as: Albania, Azerbaijan, Morocco, Moldova, Macedonia, Tunisia, Turkey and Ukraine, you must have an International Insurance Certificate - Green Card, which confirms the conclusion of a civil liability insurance contract in accordance with the insurance law in force in the visited country. The Green Card is issued at no additional cost. The scope of Green Card insurance is the same as third party liability insurance. The insurance cover covers material and personal damage resulting from an accident or collision. The Green Card certificate is issued for a minimum of 15 days, and a maximum of 12 months, and it cannot be longer than the period of validity of the third party liability policy.

Accidental insurance 

Insurance that protects the driver and passengers against the consequences of accidents. The scope of the insurance covers the risk of death of the insured, his/her disability, temporary total inability to work, as well as fractures and burns resulting from an accident. The insurance contract is concluded for a period of 12 months and the insurance cover covers insured events that occurred on the territory of Polish and within the geographical borders of Europe, excluding Ukraine, Moldova, Russia and Belarus.

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Frequently Asked Questions

Is it possible not to have third-party insurance?

The Act on Compulsory Insurance informs about the necessity to purchase a third-party liability insurance policy by every owner of a motor vehicle, and failure to do so will be associated with high penalties. In the event of an inspection, however, the regulations do not impose an obligation to carry insurance documents with you, because a police officer can verify whether the driver has third-party liability insurance by contacting the Insurance Guarantee Fund.

 

Why is it worth opting for comprehensive insurance?

Having AutoCasco insurance is a financial security in the event of a collision, theft or damage to the vehicle, which is not so difficult to obtain. We are talking about the forces of nature, bumps, scratches or acts of vandalism to which vehicles are exposed every day. In contrast to third-party insurance, which mainly protects other people in the event of damage caused by the vehicle user, comprehensive insurance protects the insured's own vehicle, which is why the funds go to them and not to third parties.

 

What are the consequences of not having a valid Green Card?

As the Green Card confirms the validity of the third-party liability insurance policy in some countries, its absence may entail additional costs – the need to purchase border insurance (for example, in 30 days in Moldova it will cost 7 euros, and in Morocco as much as 88 euros). Taking into account that the Green Card is an add-on, the cost of which is already included in the third-party liability insurance premium, requiring only an application, it is worth remembering about it before traveling to countries belonging to the Green Card system.

 

When does motor accident insurance work?

This insurance covers not only the consequences of an accident that occurred while driving the insured vehicle, but also when it occurred during the repair of the vehicle on the road, when getting out or getting into the vehicle, as well as while staying in it on the occasion of stopping or stopping.

 

I am driving a car with a driver's license issued in the USA. Does Third Party Liability and Casco insurance work in the event of an accident?

In Poland you can use an American International Driver's License for 183 days. Since the U.S. driver's license does not comply with the 1968 Vienna Convention, after this period, you must obtain the equivalent of the Polish driver's license by passing the theoretical exam. Lack of a Polish driving license after 6 months of staying in Poland means the lack of a valid document confirming the right to drive a vehicle. In the case of Casco, this circumstance excludes the insurer's liability, and in the case of Third Party Liability insurance, this circumstance determines the insurer's right to claim the compensation paid against the perpetrator of the event (Article 43(3) of the Act on Compulsory Insurance).