Program PLUS

Extended warranty DEFEND Car Protect PLUS ensures that in the event of failure of the main parts, the repairs will not dig deep into the driver's pocket, as this insurance covers the costs of repairs in the event of a sudden and unpredictable mechanical failure of the insured vehicle.

The PLUS program is the best choice of protection of older vehicles. Thanks to its flexible criteria, it provides peace of mind and security for drivers who want to protect the most important parts of their vehicle with the highest possible failure. From now on, used vehicle owners can drive without any worries!

 The warranty can be concluded for vehicles, which meet the following criteria at inception:

  • maximum vehicle age 15 years
  • maximum vehicle mileage 300 000 km 

DEFEND Car Protect PLUS commence on the first day of the insurance cover indicated in the contract of insurance.

  • Covers the most common causes of breakdown.
  • Covers an unlimited number of claims up to the limit of insurance benefit.
  • Financial security is provided by Lloyd's (A + rated insurer) and Fortegra Europe Insurance Company.
  • Everything is supported by fast and quality handling of claims.
  • Insured vehicles can be up to 3 500 kg.

You can also choose:

  • Insurance period up to 3 years.
  • Insurance benefit limit up to 7 500 PLN.
  • Number of mileage per year from 10 000 km to unlimited.
  • Deductible from 0 to 1 500 PLN.

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  • All internal lubricated components
  • Main components:
    Oil pump
    The main crankshaft bearings
    Connecting rod
    Connecting rod bearings
    Piston pins
    Cylinder head - in direct connection with pressure lubrication
    Rocker cylinder head
    The hydraulic tensioner
    Timing chain
    Hydraulic tappets

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  • All internal lubricated components
  • Main components:
    Planetary gears
    All shafts, oil-lubricated
    The shift fork
    Oil pump
    Multi-disc clutch planetary gear

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  • All internal lubricated components
  • Main components:
    Disc wheel
    Satellite wheel
    Input shaft
    Bevel gear
    Output shaft
    Planetary gears

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Operating Materials and Housings 

  • Operating fluids, filters and housings are covered only if they need to be changed due to the failure of a covered component listed above. 

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Towing service 

  • The costs for towing transport to the nearest qualified repair shop are reimbursed up to a maximum of 800 PLN, if the insured vehicle becomes immobile in connection with the failure of a covered component listed above.  

Optional extended coverage 

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Rental Car Reimbursement 

  • The costs for renting a reimbursement car are covered, if the breakdown covered under the Insurance Contract will exceed 24 hours. Reimbursement shall be limited to 250 PLN per day for a maximum of 7 days.

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CNG/LPG Kit Components 

  • Gas ECM, change-over switch, regulator/vaporiser/reducer, multivalve, sensors, valves, solenoids.

  • When the insurance can be concluded?
    • Insurance can be concluded on the day of purchase.
    • The insurance commences on the day indicated in the contract of insurance as the beginning of the period of insurance, if the vehicle is not covered by the manufacturer's warranty or the day following the date of termination of the manufacturer's guarantee, if the vehicle is covered by such a guarantee, however not earlier than on the next day after the insurance premium is duly paid.
  • 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.
  • What information and documents do we need to conclude it?
    • A copy of VTP and a sales contract or invoice.

  • Report of Damage Event:
    When you (insured party or on behalf of the insured) become aware of any damage that could lead to a claim you must report the damage within 7 days of the incident on +420 233 103 111 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.
  • Inspection of the vehicle:
    In order for us to assess your claim, you must allow us or our qualified repair shop to inspect your vehicle.
    You must transport (or arrange the transport of) the vehicle to a qualified repair shop for inspection as soon as possible but no later than within 5 days of reporting the breakdown. Alternatively, you may be authorised to take your vehicle to any VAT registered repairer.
  • Documentation:
    For the prompt assessment of your claim we will need the following documentation: fault diagnosis, repair budget, completed claim reporting form A, vehicle photographic documentation and a copy of the vehicle registration certificate (part II).
    After the repair was finalised, send us completed form B.

    No repair shall be made to the insured vehicle without our explicit approval. All costs for any work that is commenced or completed prior to our approval shall be borne by the insured and automatically become grounds for rejecting the claim.

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

Important: The previous information and list of components 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.