Replacement car covered by the at-fault driver's insurance
If another driver damaged your car, you are entitled to a replacement vehicle and their insurer pays for it. We handle the paperwork and settle directly with the insurance company, with no deposit and nothing to pay upfront. We deliver a car of the same segment to your address anywhere in Poland.
- No deposit, no prepayment
- We settle with the insurer
- A car in about 2 hours
- The same segment as yours
When you are entitled to it
When the claim is handled by the at-fault driver's third-party liability insurer and you need a car for work and everyday life.
For the rental period the at-fault insurer accepts. You agree the end date of that period with the claims handler.
Regardless of whether you have comprehensive cover. This follows from the other driver's liability, not from your own policy.
Rentals paid for by an Assistance operator follow the same procedure.
What you get
A car of the same segment as yours, roadworthy and clean.
No deposit and no payment at handover. We settle the rental directly with the at-fault driver's insurer.
Unlimited mileage.
We bring the car to the place you choose, usually within about 2 hours of your call depending on the location, and collect it when the rental ends, anywhere in Poland.
How to start
Call +48 539 888 555 or write to centrala@quantacars.pl. Have the claim number and the name of the at-fault driver's insurer ready.
We check the claim and the documents, confirm the car segment and agree where to deliver it.
We bring the car and take care of the paperwork with the insurer.
Among the insurers we settle with are Compensa, Wiener, InterRisk, Warta, Ergo Hestia and Global Assistance.
Documents to prepare
The at-fault driver's statement or the police report.
The at-fault driver's policy details and the claim number.
A copy of the registration certificate of your damaged car and the repair order from the garage.
Information on whether your car was used for business.
Handover and return
A member of our team drives the car to the address you give us: your home, your workplace or the garage repairing your car.
You fill in the agreement together electronically and mark any damage and the car's cleanliness in the handover report, which is emailed to you.
When the rental ends we collect the car from wherever you tell us, with the same joint inspection.
How the settlement works
You are the party to the rental agreement. At handover you sign, in the presence of our staff member, an authorisation that lets us settle the rental directly with the insurer.
The insurer pays for the period it has accepted. The agreement ends with that period and you return the car.
If you need the car for longer, agree it with us before the period ends. The extra days are then paid upfront, as with a regular rental.
If your car was a business vehicle
If the damaged car was used for business, your company covers the VAT on the rental and deducts it in its own VAT return. The insurer pays the net amount.
That is why we ask about it when you report the claim.
Insurers we settle with
We settle directly with the at-fault driver's insurer, including these companies:
- Compensa TU S.A. Vienna Insurance Group
- Wiener TU S.A. Vienna Insurance Group
- Global Assistance sp. z o.o. Vienna Insurance Group
- InterRisk TU S.A. Vienna Insurance Group
- Warta S.A.
- Ergo Hestia S.A.
Request a replacement car
Leave your details, we will call you back and agree where to deliver the car.
Three ways to rent compared
| Short-term | Quanta Flex | Replacement car | |
|---|---|---|---|
| Who pays | you | you | the at-fault driver's insurer |
| Billing | per day | per month | settled directly with the insurer |
| Minimum term | one day | a monthly contract | for the duration of the repair |
| Price from | 92 PLN a day | 1,660 PLN net a month | 0 PLN for you |
| Deposit | 4,000 to 10,000 PLN | 4,000 to 10,000 PLN | none |
| Mileage limit | none | 2,500 km a month | none |
| Servicing and inspections | on us | on us | on us |
| Choice of car | class at booking | swap the car every month | a class close to your car |
| When it makes sense | a trip, business travel, a move | a car for a few months without buying one | after a collision that was not your fault |
Frequently asked questions
Who pays for the replacement car?
The insurer of the driver who caused the collision. We settle with them directly, so you pay nothing at handover and do not wait for a refund. If your car was a business vehicle, your company covers the VAT on the rent, which it can deduct.
Do I have to pay a deposit?
No. For a replacement car covered by the at-fault driver's insurance we take no deposit and no payment. We settle directly with the insurer on the basis of the authorisation you sign at handover.
How long can I keep the replacement car?
For the period the at-fault insurer has accepted; you agree that date with the claims handler. If the repair takes longer, arrange an extension with us in advance, because after that date the insurer no longer pays for the rental.
What happens if the insurer refuses to pay?
As the party to the rental agreement, you then pay the amount due within 7 days of our request. That is why we check the claim and the documents before handing over the car.
What documents do I need?
The at-fault driver's statement or the police report, the at-fault driver's liability policy details, the claim number, a copy of your car's registration certificate and the repair order from the garage. If your car is a business vehicle, tell us, because it changes how VAT is settled.
What class of car will I get?
One from the same segment as your car. It is roadworthy, clean and has unlimited mileage.
Do I need comprehensive cover to get a replacement car?
No. A replacement car under the at-fault driver's liability insurance has nothing to do with your own policy. It comes from the liability of the person who caused the collision, whether or not you have comprehensive cover.
Will you bring the car to my home or to the garage?
Yes. We deliver the replacement car to the place you choose anywhere in Poland, usually within about 2 hours of your request, depending on the location. When the rental ends, we collect it from the address you give us.
Can I keep the car longer than the insurer accepted?
Yes, if you agree it with us before the accepted period ends. The extra time is no longer covered by the insurer, so you pay for it in advance, as with a normal rental.