• When the insurance can be concluded?  
  • Insurance can be concluded anytime - it is not limited to the day of vehicle purchase.

  • Insurance period begins on the day following the conclusion of the insurance contract.  

• How can it be concluded? 
  • Insurance can be concluded through an extensive network of our contractual partners (new and used car dealers, insurance brokers etc.).

General obligations of the insured

After concluding the insurance contract, within 30 days of purchase, the Insured is obliged, according to the Insurer's instructions, to register the insured Vehicle in the online system www.DefendKey.eu, which enables the return of lost keys, and to actively use this system. In the event of loss or theft of keys, he/she is obliged to record this fact in this system without undue delay, but no later than within 3 days. At the same time, in the event of theft, he is obliged to report the theft of keys to the police. In the event of loss of the key, the report to the Police is not needed. However, if it is the second of two keys (ie the authorized person has the key and has the opportunity to operate the vehicle), the Insurer sets a waiting period of 10 days, ie in this case from reporting of the claim to the Insurer until making the new key must elapse at least 10 calendar days. In the event that the waiting period obligation is not fulfilled, the Insurer may reject/reduce the insurance indemnity.

STEP 1: CLAIM REPORT
The Insured is obliged to report the loss event to the administrator without undue delay after its occurrence, but no later than within 30 days from the date of the loss event. Otherwise, the Insurer may reject/reduce the insurance indemnity.

CLAIMS CONTACT INFORMATION FOR THE ADMINISTRATOR:
DEFEND INSURANCE Sp. z o.o.
40-568 Katowice
ul. Ligocka 103
Tel.: +48 32 797 10 41
E-mail: szkody@defendinsurance.pl

CAUTION:
Be careful to prevent damage and cause damage. Take the necessary measures to ensure that the damage does not increase further. Allow the Insurer the inquiries necessary to assess whether you are entitled to compensation (insurance indemnity). Let the Insurer inspect the damaged item and examine the causes and extent of the damage to determine the amount of insurance benefits. Provide true information when reporting damage. If, when reporting a loss event, you knowingly provide false, grossly distorted material information relating to the circumstances of the occurrence or extent of such events, or withhold such information, the Insurer may reject the claim for indemnity.

STEP 2: DOCUMENTATION
You are obliged to send photocopies of the following documentation to the administrator either by post or (scanned) by email:
a. The Claim form.
b. The Declaration of Vehicle Registration, section 2 (B) (Technical Licence).
c. An invoice or receipt proving the payment of the cost of obtaining new keys, replacing locks or unlocking the Insured Vehicle.
d. In the event of theft of keys, a copy of the “Notification of theft” and the file number under which the Police investigates this fact. If the file number is not submitted, the right to the payment of the insurance indemnity will be rejected.

The "Claim Report" form and other information that the administrator will request must be sent within thirty days from the date of the Insured Event.

STEP 3: PAYMENT OF INSURANCE INDEMNITY
Insurance indemnity shall be paid to the Insured within 15 days of receipt of the relevant invoices for the approved claim expenses.