PZU Insurance
Affordable insurance provider with significant issues in claims processing and transparency.
What customers love
- Competitive pricing on insurance premiums
- Fast and simple policy setup process
- Straightforward application experience
Worth noting
- Exclusions written in small print, customers miss coverage limits
- Claims department systematically denies valid claims using technicalities
Best for
Budget-conscious customers seeking low-cost premiums without expecting claims support.
Attribute scores
Recent reviews
This is one of the worst companies in Estonia. They do not value human beings. They sell insurance policies but write the exclusions in very small print so that people easily miss them, and then they refuse to cover the costs when you actually need the insurance. It feels like they take advantage of complicated rules and policies instead of helping their customers. They show no flexibility and no understanding, even when someone explains their situation honestly. It does not seem to matter how much money you have paid in premiums. If you accidentally use a service that is not covered, they simply refuse to help and do not listen to your situation at all, even if you are struggling financially. Why are the exclusions written in such small print that people can easily miss them? Insurance should exist to help people when they need it most, not to create situations where customers feel misled and unsupported. Overall, my experience has been extremely disappointing.
Fast, Simple and the best price you can get
Do yourself a favor and go to Swedbank (for travel insurance at least). This company is too aggressive and avoidant, never on your side. After months of trying, just giving up and taking it as a lesson. Never again.
It may look cheap, but it is also bad. During trip to USA back in 2018 they they did everything possible to avoid paying for ~400USD medical insurance bill. Had bad case of jetlag, was up for 3 days and finally went to doctor to get some sleeping aid. Visit + medication was ~400$. They used a clausel "previously existing condition" for not paying. They _will_ do the same with you, when talking with outsourced claims agent, they immediately started to look for reasons allowing avoiding the payment. Very unpleasant experience and no actual insurance. Perhaps if you are dead, they will ship you home for half price or something. Avoid at any cost!
Worst car insurance company ever. I had an accident where i had all evidence but the other party would ignore to answer and take the responsibility, the insurance closed the case for lack of evidence and did not repair my car. So I had to write to the second party insurance BTA and they fixed my car and were lot more professional.