Carrier liability policies
How to check a carrier liability policy by insurer
Each insurer lays out carrier liability cover differently. Open the guide for the insurer on the document: PZU, Warta, Ergo Hestia, Generali, Compensa or Uniqa. Read the fields, limits and clauses on that form.
This hub collects guides for reading a carrier liability policy from PZU, Warta, Ergo Hestia, Generali, Compensa or Uniqa. Forms differ in layout, clause numbers and where the limits sit.
Open the guide for the insurer printed on the document. A generic checklist does not replace reading the fields on that form.
Start here if…
You have a PZU carrier liability policy
How to check a PZU carrier liability policy →You have a Warta carrier liability policy
How to check a Warta carrier liability policy →You have a UNIQA carrier liability policy
How to check a UNIQA carrier liability policy →You have a Compensa carrier liability policy
How to check a Compensa carrier liability policy →You have a Generali carrier liability policy
How to check a Generali carrier liability policy →You have an ERGO Hestia carrier liability policy
How to check an ERGO Hestia carrier liability policy →You need the two-layer insurance split first
Carrier liability insurance check →You need the vehicle MTPL layer
UFG vehicle insurance Poland →
Common risk signals before pickup
- Policy issued to a different legal name or tax ID
- Domestic sum copied onto the international scope
- “Mienie rodzajowo różne” used for cargo on the exclusion list
- Missing clause annex or a vehicle list without the booked plates
Key pages
How to use this library
- Pick the insurer from the first page of the policy, not from the email.
- Read the document, then confirm it through the insurer’s official channel.
- Vehicle MTPL in UFG stays a separate check.
Guides
How to check a PZU carrier liability policy
How to check a PZU carrier liability policy: insured party, dates, sums, territory, cargo, clauses and official confirmation, with marked document fragments.
Read guide →How to check a Warta carrier liability policy
How to check a Warta carrier liability policy: insured party, three periods, sums, German cabotage, the TAK/NIE cargo grid and official confirmation, with marked fragments.
Read guide →How to check a UNIQA carrier liability policy
How to check a UNIQA carrier liability policy: insured party, three sum blocks, clauses 3, 4 and 6, the TOWARY OBJĘTE OCHRONĄ list and official confirmation, with marked fragments.
Read guide →How to check a Compensa carrier liability policy
How to check a Compensa carrier liability policy: insured party, § 13 dates and territory, one sum in § 4, the Kabotaż Niemcy annex, cargo exclusions and official confirmation.
Read guide →How to check a Generali carrier liability policy
How to check a Generali carrier liability policy: insured party, dates, three territory rows, the cargo exclusion clause, clauses 30 and 31 and official confirmation.
Read guide →How to check an ERGO Hestia carrier liability policy
How to check an ERGO Hestia carrier liability policy: J01 J02 J03 codes, insured party, territory, sum, clauses A-E, EU cabotage without Germany and official confirmation.
Read guide →