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Polish owners of vehicles have a legal obligation to raise their minimum insurance cover against third-party claims as of Jan 1, 2006. The amended law on obligatory insurance stipulates that the lowest cover for bodily injuries must amount to €1.5 million per event, instead of €350.000 per every injured person, while the required cover for damaged property must equal at least €300.000 per event.
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Insurance servicesCo-operation principles
The co-operation PROSPECTOR offers to businesses and organisations is highly individualised. A variety of subjects who are using our services confirm the thesis that every risk, although often typical in itself, is always different and needs a case-by-case approach.
However, the first steps to co-operation are quite similar and they include:
- in-depth analysis of the company's modus operandi and environment,
- audit of existing insurance contracts, focusing on the cover, costs, and claims history,
- presentation of conclusions.
Further phases usually depend on the Client's appreciation of the conclusions. At this point, PROSPECTOR may either be appointed a specific single task, or some form of co-operation is established on a permanent basis. In any case, the service includes advice concerning any categories of insurance agreed with the Client, arrangement and implementation of insurance programmes, and their supervision.
Any measures we undertake are always preceded by detailed arrangements with the Client. This regards in particular:
- identification of risks,
- structure of insurance programme,
- selection of the insurer,
- conclusion of insurance contracts,
- operational principles.
Having arranged and implemented an insurance programme, PROSPECTOR becomes automatically responsible for the supervision of claims as well as other jobs required within current policy management. The activities include:
- registration and monitoring of claims,
- observance of time framework in the placement and handling of claims, assistance in claims settlement,
- appeals,
- monitoring of property growth (investment) clauses
- adjustments to insurance cover
- observance of periodical premium payments,
- transfer of insurance policy rights.
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