Motor liability (OC)
Compulsory vehicle liability insurance covers damage or injury caused to third parties for which you are liable. It does not repair the at-fault driver’s own car. Registration and circumstances determine the obligation; simply parking a vehicle does not necessarily remove it.
Own damage / theft (AC)
Voluntary cover for agreed damage, destruction or theft of the vehicle. Compare valuation, authorised or partner repairs, parts, depreciation, excess, territory and security. All risks still has exclusions; normal wear and mechanical breakdown are not automatically covered.
Driver and passenger accident (NNW)
Accident benefits for the driver and eligible passengers, such as permanent injury or death. Treatment and other benefits depend on the contract. The sum per person is not the payment for every injury. NNW does not replace overseas medical insurance.
Green Card
An international liability certificate for countries where required. Check every country on the route, current entry rules, excluded territories, dates and document format before departure. It is neither worldwide cover, AC nor medical insurance.
Roadside assistance
Roadside support after agreed events, possibly including towing, repairs, replacement transport or accommodation. Check breakdown versus accident, distance, territory, vehicle age and limits. Arranging a service is not the same as paying every cost.
Glass
Repair or replacement of eligible vehicle glass under agreed terms. Compare covered panes, parts, repair network, excess and driver-assistance sensor calibration. Mirrors, panoramic roofs and foreign repairs are not automatically included.
Tyres
Help after tyre damage can mean changing a wheel or towing, with a new tyre reimbursed only in selected variants. Check territory, age, wear and limits. Warta’s tyre product excludes the new tyre itself; some PZU variants provide reimbursement under conditions.
Check your application
Compare the same scope, excess, repairs, territory and exclusions, not only premium. Acceptance and available add-ons vary by insurer; no automatic saving or identical protection is promised.