Warta or PZU Assistance? Comparison of GTC, limits, and replacement car
Warta or PZU Assistance? Detailed comparison of mileage limits and scope of protection
Choosing Assistance insurance should not be based solely on price. Key factors include towing mileage limits, the number of replacement car days, and territorial scope. Below, we present a detailed comparison of products Warta Moto Assistance and PZU Pomoc w Drodze based on current General Terms and Conditions (GTC) (as of 2024/2025).
Warta Moto Assistance – variants and mileage limits
Warta offers four main annual variants and one short-term variant:
- Standard
- Gold
- Gold+
- Platinum
- Traveler 15 (15 days)
Towing limits – Warta
| Variant | Towing in Poland | Towing abroad |
|---|---|---|
| Standard | up to 100 km | usually none or limited |
| Gold | up to 200 km | up to 200 km |
| Gold+ | up to 500 km | up to 500 km |
| Platinum | unlimited km in PL | up to 2000 km |
The Platinum variant is one of the broadest assistance coverages available on the market – especially for people who frequently travel across Europe.
Replacement car – Warta
- Standard – none or limited (only after an accident)
- Gold – usually up to 3 days
- Gold+ – up to 5 days (breakdown), up to 7 days (accident)
- Platinum – even up to 10 days (depending on the event)
It's worth checking the GTC to see if a replacement car is also available after a breakdown, or only after an accident.
PZU Pomoc w Drodze – Komfort and Super variants
PZU offers Assistance in two main variants:
- Komfort
- Super (PL or PL+EU)
Towing limits – PZU
| Variant | Towing in Poland | Towing abroad |
|---|---|---|
| Komfort | up to 150 km | none |
| Super PL | up to 500 km | none |
| Super PL+EU | up to 500 km | up to 1000 km |
The Super PL+EU variant provides extended coverage beyond national borders, however, the mileage limit abroad is lower than in Warta's highest variant.
Replacement car – PZU
- Komfort – limited or none for breakdown only
- Super – up to 5 days (breakdown)
- Super – up to 10–15 days (accident or theft)
The exact number of days depends on the cause of vehicle immobilization and the provisions of the current GTC.
Detailed comparison – key differences
| Criterion | Warta Platinum | PZU Super PL+EU |
|---|---|---|
| Towing in Poland | Unlimited | 500 km |
| Towing abroad | 2000 km | 1000 km |
| Replacement car | up to 10 days | up to 10–15 days |
| Accommodation / passenger transport | Yes | Yes |
Who is Warta for, and who is PZU for?
Warta will be more beneficial for people who travel far and often abroad – especially the Platinum variant with a 2000 km limit outside Poland.
PZU will work well for drivers looking for a simpler variant and a package offer with third-party liability/comprehensive insurance.
What to look for in the GTC?
- Does assistance cover breakdowns, or only accidents?
- Is there a limit to the number of events per year?
- Is a replacement car available at the place of residence?
- How is "breakdown" defined in the GTC?
- Are there monetary limits besides mileage?
Where to buy Assistance?
Compare Assistance online and buy a policy
Online purchase allows for quick comparison of variants, checking mileage limits, and choosing coverage tailored to your driving style.