SINEDIS · Personal accident insurance for drivers
NNW can provide financial support when a driver suffers an accident covered by the policy. It helps transport employers arrange protection for people driving tractor units, trucks and other fleet vehicles.
Request an NNW proposalCore risks are permanent impairment and accidental death. Some products add temporary incapacity, prolonged treatment, rehabilitation or medical/orthopaedic expenses. Benefits and limits differ; these are not one combined package.
Cover may include driving, entry/exit, stops, direct loading/unloading, fire and roadside repairs as defined in the wording. An injury leaving the cab must meet the policy definition. Not every warehouse task or entire working shift is insured.
The company can be policyholder and the drivers/passengers of listed vehicles insured. Confirm trucks/tractors over 3.5 t, registration country, permitted seats and rotating crews. Vehicle-based NNW is not automatically round-the-clock personal cover in every vehicle.
Check accident territory separately from treatment costs. Warta C8372 excludes Georgia; other extensions are listed in its wording. Reviewed Warta and ERGO Hestia treatment reimbursement concerns costs in Poland. Foreign treatment, medical transport and assistance may need separate cover allowing professional driving.
The per-person sum is a calculation basis, not the payout for every injury. Partial impairment uses the insurer’s percentage table and contract; death and expenses have other rules. Equal sums do not imply equal benefits. Form choices of 20,000/50,000/100,000 PLN are requests, not universally available terms. No price or payout is calculated here.
NNW concerns insured people’s health/life. Motor OC concerns liability to injured third parties; AC concerns the vehicle. NNW does not replace employer liability, social security or foreign medical insurance.
Send the enquiry. SINEDIS checks vehicles, routes, people and sums before comparing available terms. The final proposal may require a vehicle register, categories, seats and policyholder details. Agree dates, payment and documents and give conditions to drivers. Explicitly confirm NNW alongside OC/AC; an enquiry does not start cover.
Obtain necessary help and notify the insurer within the contract deadline. Keep policy details, accident circumstances, medical reports and receipts; police records and beneficiary details may be needed. Use the insurer’s secure channel for medical documents, not this enquiry. The insurer assesses entitlement and benefit.
Check the connection to use of the listed vehicle and exclusions for illness, intentional acts, alcohol/drugs, driving entitlement, war and special vehicle use. Their effects depend on wording and circumstances. Not every injury produces a payment.
Moje Auto NNW advertises up to 100,000 PLN/person. C8372 includes defined loading and roadside repair events and treatment costs in Poland. Bezpieczna Rodzina is restricted to passenger cars/trucks up to 3.5 t, not all NNW. Check your tractor’s eligibility separately.
The fleet page describes permanent impairment/death, choice of sum and a 12-month contract. Confirm the current wording and fleet eligibility in the individual proposal.
AB-NNWK-01/25 includes temporary full incapacity benefits under its rules. Section 10 sets a standard sum of 5,000–30,000 PLN/person. Specified treatment/aids costs are reimbursed in Poland, even when accident territory is abroad.
PZU Auto NNW describes impairment, death and qualifying prolonged treatment plus contract-based expenses. Check the wording for proposals from 21 March 2026 and the impairment table. NNW and NNW Max are different variants.
It may work in agreed countries. That does not mean treatment there is paid. Declare the full route and check medical and assistance cover separately.
Fault alone does not necessarily prevent NNW payment. The event must be covered; alcohol, intentional acts, driving entitlement and other exclusions follow the wording.
They may qualify under the vehicle-use definition, such as exit, unloading or roadside repairs. Not every parking/warehouse injury is included.
Availability depends on product and insurer. Check the vehicle category and crew arrangements. OC/AC alone does not establish NNW cover.