DEFEND Gap MAX AC insurance is a financial security of funds invested in the purchase of a vehicle, and provides drivers with peace of mind without worrying about total damage.

The MAX AC variant is the best option for vehicle drivers who wish to renew their expired GAP insurance. The insurance is not related to the purchase of the vehicle and can be purchased at the time of renewing the AC policy. Thanks to this insurance, the driver will regain the value of the vehicle on the date of concluding the AC agreement and leave their worries behind!

The insurance covers the difference between the market value on the day of concluding the AC agreement and the market value on the day of the total damage. Thanks to the wide range of the risk covered, drivers do not have to worry about road accidents, theft or natural disasters.

DEFEND Gap MAX AC insurance can be arranged for the passenger vehicles (category M1) or trucks (category N1) with a gross vehicle weight of up to 3,500 kilograms and category L vehicles (including motorcycles with or without a sidecar and quads).

The insurance is intended for vehicles which meet the following criteria as at the start date of the insurance agreement:

  • maximum vehicle age 6 years
  • purchase price up to 800 000 zł 
  • unlimited vehicle mileage

  • Insurance period up to 5 years
  • It can be concluded for M1 and N1 cars and motorcycles up to 6 years old
  • Maximum purchase price 800 000 zł
  • Limit of insurance benefits up to 250 000 zł
  • It can be concluded no more that 30 days after the conclusion of auto casco insurance policy.

Insured events

Total damage of the vehicle as a result of:

  • Accident (caused and uncaused)
  • Theft
  • Natural disaster

The insured are only those that are covered by AC at the date of the event.

  • When can the insurance be concluded?
    • The insurance can be concluded within 30 days after concluding AC policy.
    • The insurance period commences on the first day following the date of concluding 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.), usually when purchasing your car.
    • If your car dealer does not offer our insurance, it can be arranged directly with us via phone and/or email.

  • Report of Damage Event:
    When you (insured party or on behalf of the insured) become aware of any event that could lead to a claim you must report the damage within 7 days of the incident on + 48 32 797 10 41 or by e-mail to
    In order to register a claim the claims adjuster will need to know the policy number or vehicle VIN code. For the prompt assessment of your claim we will need the following information: damage details (when and how the accident happened, the vehicle was used, whether the case was solved by the police, whether the damage was total, the name of the CASCO company and where the crashed vehicle is located)
  • Documentation:
    The Insured must complete the Claim Form A and provide the following documents (as appropriate, in accordance with the instructions of the liquidator):
    - Copy of purchase receipt Vehicles (usually an invoice)
    - Copy of both sides Vehicle registration certificate, Part II. (Technical certificate)
    - A copy of the Financial Contract
    - A copy of the document proving the CASCO insurance of the Vehicle
    - Copy of the Report about the Reporting / Investigation of the Police Incident Event (*)
    - A copy of the Driver's, who drove the vegicle at the time of the event, Drive license
    - Adress of Vehicles storage location, including contacts (for eventual inspection of vehicles)
  • After completing the repairs the Insured must complete Claim Form B.

If you have any questions, check out our FAQ or contact us.

Important: The previous information may differ from the insurance contract concluded specifically for your vehicle. In the event of any inconsistencies, only the terms of your insurance contract shall prevail.