Ogólne warunki ubezpieczenia

Ciekawostki, Słowniczek

Ogólne warunki ubezpieczenia (OWU) są wzorcem zawierającym standardowe postanowienia umowy typowej dla danego rodzaju ubezpieczenia. W odróżnieniu od OWU, sama umowa ubezpieczenia określa elementy indywidualne, np. identyfikujące strony, określające wysokość sumy ubezpieczenia, itp. Formalnie rzecz biorąc, OWU nie są częścią umowy ubezpieczenia ale kształtują stosunek prawny tej umowy.

Umowa ubezpieczenia jest na ogół zawierana w trybie przystąpienia (czyli adhezji) ubezpieczającego do umowy opartej na takim wzorcu ustalonym przez zakład ubezpieczeń.

Treść OWU określa w ubezpieczeniach obowiązkowych – Minister Finansów w formie rozporządzenia, a w ubezpieczeniach dobrowolnych – zakład ubezpieczeń dla każdego rodzaju ubezpieczenia prowadzonego przez danego ubezpieczyciela.

Umowa ubezpieczenia i OWU powinny być formułowane jednoznacznie i w sposób zrozumiały. Postanowienia umowy ubezpieczenia i OWU sformułowane niejednoznacznie interpretuje się na korzyść ubezpieczającego, ubezpieczonego lub uprawnionego.

Zakłady ubezpieczeń mają obowiązek doręczenia ubezpieczającemu, który jest konsumentem tekstu warunków przy zawieraniu umowy ubezpieczenia oraz zamieszczania OWU na swojej stronie internetowej.

OWU nie mogą być sprzeczne z przepisami kodeksu cywilnego dot. umowy ubezpieczenia, które mają charakter bezwzględnie obowiązujący.

178 komentarzy

  1. Eneida Kokko
    3 marca, 2025

    Can I just say what a aid to search out someone who really is aware of what theyre talking about on the internet. You undoubtedly know methods to deliver a problem to mild and make it important. Extra individuals have to read this and perceive this facet of the story. I cant consider youre not more in style since you definitely have the gift.

    https://www.zoritolerimol.com

  3. vps poland
    20 marca, 2025

    I have been absent for some time, but now I remember why I used to love this web site. Thanks, I’ll try and check back more often. How frequently you update your site?

    https://www.polandvps.com/

  4. drewnojady
    20 marca, 2025

    I truly appreciate this post. I¦ve been looking everywhere for this! Thank goodness I found it on Bing. You have made my day! Thank you again

    https://owadywdrewnie.pl/

  6. https://bestbets.world/en-dk/
    23 marca, 2025

    I?¦ll right away grab your rss as I can not to find your e-mail subscription link or e-newsletter service. Do you’ve any? Please allow me recognize so that I may subscribe. Thanks.

    https://bestbets.world/en-dk/

  7. Klimatyzacja Białystok
    23 marca, 2025

    Hmm is anyone else encountering problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any responses would be greatly appreciated.

    https://handli.pl/klimatyzacja-bialystok/

  8. raja slot
    25 marca, 2025

    Enjoyed examining this, very good stuff, thankyou. „Management is nothing more than motivating other people.” by Lee Iacocca.

    https://raja111.net/

  9. slot sakti
    25 marca, 2025

    You have noted very interesting details! ps nice website . „There is no vice so simple but assumes some mark of virtue on his outward parts.” by Mary Bertone.

    https://sakti111.info/

  10. finland server
    26 marca, 2025

    Hi there! I know this is kinda off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!

    https://www.finlandvps.com/

  13. sigmaslot
    11 kwietnia, 2025

    Situs Slot Online yang Menjamin Keuntungan Maksimal, cari di SIGMASLOT

  14. saitebi ge
    24 kwietnia, 2025

    It’s arduous to search out knowledgeable people on this topic, but you sound like you understand what you’re talking about! Thanks

    https://saitebi.info/

  17. slot to kecil
    11 maja, 2025

    Hey there! Someone in my Myspace group shared this website with us so I came to take a look. I’m definitely loving the information. I’m book-marking and will be tweeting this to my followers! Fantastic blog and wonderful design and style.

    https://skodajmd.com/

  49. hydraulik Białystok
    11 czerwca, 2025

    Great post. I am facing a couple of these problems.

    https://handli.pl/

  51. Florencio Markowitz
    2 lipca, 2025

    I discovered your weblog website on google and check a couple of of your early posts. Continue to keep up the superb operate. I just additional up your RSS feed to my MSN News Reader. Looking for ahead to reading extra from you afterward!…

    https://www.smortergiremal.com/

  55. Edgar2646
    10 lipca, 2025

    Join our affiliate program and start earning commissions today—sign up now! https://shorturl.fm/ubVIr

  64. chronic disease management
    13 lipca, 2025

    I conceive this internet site has some real fantastic info for everyone :D. „Heat cannot be separated from fire, or beauty from The Eternal.” by Alighieri Dante.

    https://peakstimulusfitness.com/

  65. Colt3468
    14 lipca, 2025

    Join our affiliate program today and start earning up to 30% commission—sign up now! https://shorturl.fm/egS9p

  73. Richard3871
    16 lipca, 2025

    Join our affiliate program and watch your earnings skyrocket—sign up now! https://shorturl.fm/1pOT1

  76. price voice actor
    17 lipca, 2025

    Thanks , I have just been looking for info about this subject for ages and yours is the greatest I have discovered so far. But, what about the bottom line? Are you sure about the source?

    https://veravoices.com/

  89. strona glowna
    20 lipca, 2025

    Hi, Neat post. There is a problem with your site in internet explorer, would check this… IE still is the market leader and a good portion of people will miss your wonderful writing because of this problem.

    https://szkodnikidrewna.webnode.page

  149. prawo konkurencji kancelaria
    10 sierpnia, 2025

    Hello! I just would like to give a huge thumbs up for the great info you have here on this post. I will be coming back to your blog for more soon.

    https://adviser.law/ochrona-konkurencji

  154. alexistogel
    20 sierpnia, 2025

    A lot of thanks for all your efforts on this web page. Kate really likes doing research and it’s really easy to understand why. We hear all concerning the compelling manner you deliver precious ideas by means of this web site and as well as recommend response from website visitors on the situation plus my girl is without a doubt discovering a great deal. Take advantage of the rest of the year. You’re carrying out a stunning job.

    https://petsunlimited.org/

  155. pasteboard boxes
    23 sierpnia, 2025

    Thank you for every other fantastic post. The place else could anybody get that type of information in such an ideal means of writing? I’ve a presentation subsequent week, and I’m on the search for such info.

    https://www.novafishpack.com/

  156. Wholesale Dispensary Apothecary
    25 sierpnia, 2025

    Wow, awesome blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your web site is excellent, let alone the content!

    https://www.herbalxchange.com/

  158. nagaempire
    31 sierpnia, 2025

    Thanks, I have recently been looking for info about this subject for ages and yours is the greatest I’ve came upon till now. However, what about the conclusion? Are you certain about the source?

    https://shibuya-cafe-cooking.com/home/

  159. vavada
    2 września, 2025

    I think other site proprietors should take this site as an model, very clean and wonderful user friendly style and design, let alone the content. You are an expert in this topic!

    https://vavada-online.pl/

  163. เซรั่ม
    24 września, 2025

    What i do not understood is actually how you are not really much more well-liked than you may be now. You’re very intelligent. You realize therefore significantly relating to this subject, produced me personally consider it from so many varied angles. Its like women and men aren’t fascinated unless it is one thing to do with Lady gaga! Your own stuffs outstanding. Always maintain it up!

    https://www.kiehls.co.th/th_TH/skincare/facial-serums/

  169. znajdź tablicę rejestracyjną
    30 września, 2025

    I’d incessantly want to be update on new blog posts on this web site, saved to favorites! .

    https://auto-info.gratis/

  173. slot online gacor
    8 października, 2025

    I’ve been absent for a while, but now I remember why I used to love this web site. Thank you, I’ll try and check back more frequently. How frequently you update your site?

    https://www.melapp.net/

  174. istorie
    9 października, 2025

    Hello there! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?

    https://www.nationalistii.ro

  175. pawbiotix order
    10 października, 2025

    Valuable information. Lucky me I found your website by accident, and I’m shocked why this accident did not happened earlier! I bookmarked it.

    https://pawbiotixbuy.com/

Leave a comment

Twój adres e-mail nie zostanie opublikowany. Wymagane pola są oznaczone *