Insurance can be concluded through an extensive network of our contractual partners (new and used car dealers, insurance brokers etc.), usually when purchasing your car. We therefore advise you to speak to your dealer about DEFEND insurance products when buying a vehicle. In case your dealer does not offer DEFEND INSURANCE products, please contact us by e-mail szkody@defendinsurance.pl or by phone at +48 32 797 10 41 and if your vehicle meets the conditions of insurance entry, it will be possible for us to arrange it.

DEFEND Car Protect warranty, insurance for Mechanical and Electrical Failures, covers sudden and unpredictable internal mechanical or electrical failures of the covered parts of the insured vehicle. The list of covered parts is listed in the relevant Warranty Program, which your dealer should familiarise you with before or during your purchasing of the warranty. You will receive a printed version of the Warranty Program and the General Insurance Conditions when you purchase the DEFEND Car Protect insurance warranty.

The seller of the used goods does bear the legal responsibility for the defects of the goods, but only for the defects which were demonstrated at the time of the sale / taking over of the goods (the vehicle) and which the buyer did not notice (hidden defects).
On the other hand, the warranty on a used vehicle protects you against the costs of faults that occur on the vehicle / occur after the takeover of the vehicle into your possession.

It’s true that you don’t really need a DEFEND Car Protect warranty if you have a valid manufacturer's warranty. Nevertheless, our warranty programs for new and used vehicles continue your cover once the manufacturer's warranty has reached it’s time or mileage limit. By purchasing the DEFEND Car Protect warranty prior to the expiration of your manufacturer’s warranty, you can extend your cover by up to 3 years and up to unlimited mileage (similar to that of the manufacturer's warranty)

A vehicle‘s service must be performed by the dealer you bought the car from or an authorized service center. An authorized service is a manufacturer or independent service that is capable of performing the service, subject to the procedures and scope of work prescribed by the car manufacturer, and using original or equivalent quality spare parts.

DEFEND Car Protect warranties can only be provided by our contractual partners - sellers of new or used vehicles in the Czech Republic. If you are looking for a car and you are interested in DEFEND Car Protect, please contact us and we will make confirm if the dealer you want to buy a car from is one of our contractors.

The DEFEND Car Protect warranty on a used car can be arranged only on the day and at the point of sale of the vehicle by our contract dealer.

The DEFEND Car Protect warranty for a manufacturer's warrantied vehicle can be negotiated either directly with the dealer or one of our co-operating insurance brokers, until the 2-year or 3-year manufacturer's warranty expires, if the vehicle does not exceed the specified mileage limit for insurance (see Products / Automotive Guarantees / Diamond, Crystal).

The DEFEND Car Protect warranty covers damage occurring in the territory of the Poland and during temporary journeys to countries of the Europe excluding Russia. In the event of a vehicle failure abroad and repair of the vehicle on-site, please contact us immediately in order for us to inform you of the correct process. In the case of a repair required outside the Poland, the payment for spare parts and labour is limited by the prices and rates required by a repairer in the Poland.

It is very difficult to determine the amount for which DEFEND Car Protect can be guaranteed because it is based on many parameters and most of them are chosen by the client.

The base rate is based on:

• Type of Warranty Program
  (the vehicle qualifies for it according to age and mileage)
• the volume of the vehicle engine

Optional parameters that affect the rate:

• Insurance period
• Limit km / year
• Limit on insurance benefits
• Excess

If you are interested in calculating the DEFEND Car Protect premium rates for a specific vehicle, please contact your car dealer directly.