What Wiener TU does

Wiener TU S.A. Vienna Insurance Group is a Polish multi-line property and casualty insurer headquartered in Warsaw, founded in 1990 and historically part of the Vienna Insurance Group (VIG). On May 17, 2024, Wiener merged with sister VIG subsidiary Compensa TU under Article 492 §1 pt 1 of the Polish Commercial Companies Code, with Compensa as the surviving entity and new owner of the Wiener brand; the combined organization is the 4th largest insurance company in Poland and the 4th largest within the VIG Group in Europe. Wiener sells insurance to individual consumers, small and medium businesses, and specialized segments including agriculture, transport, education, tourism, and renewable energy operators across Poland.

Wiener's product platform is organized into consumer "Pakiet" packages — AUTO (OC, AC, NNW, assistance), 4 KĄTY (home and property), OŚWIATA (school accident), PODRÓŻ (travel), and AGRO (agricultural) — alongside standalone products such as Medipass global medical opinion service, drone pilot liability, and renewable energy installation insurance. The business book adds Pakiet BIZNES for SMEs, fleet OC/AC/Assistance/NNW for 15+ vehicle fleets, transport and cargo insurance, financial guarantees (bid bonds, advance payment refunds, contract performance, warranty), and dedicated coverages for utility-scale solar and wind plants. The underlying technology stack comprises an underwriting and claims platform supporting online self-service portals (Wie.net for individuals, Biz.net for businesses), a digital Insurance Kiosk for direct purchase, an online damage reporting system with documentation upload and real-time status tracking, and a direct damage settlement (BLS) system that lets policyholders settle claims against the at-fault party's insurer without third-party coordination.

Wiener's revenue model is built on recurring insurance premiums billed annually, semi-annually, or monthly, supplemented by assistance services and transaction-fee revenue from financial guarantees. Distribution runs through a hybrid model: over 2,000 physical agency points across Poland provide face-to-face sales and servicing, while digital channels (online Insurance Kiosk, Wie.net, Biz.net, and a redirect to the Compensa auto calculator) enable direct online purchase. Claims servicing leverages a 24/7 alarm center, a partner workshop network for cashless repair with vehicle replacement up to 21 days, and a 2-year repair warranty, with European auto OC coverage extending across EU countries plus Norway, Liechtenstein, Iceland, Switzerland, Croatia, Andorra, and Serbia. The company employs 501–1,000 staff and is led operationally out of Warsaw at Al. Jerozolimskie 162, 02-342.

Name

Wiener TU

Legal name

Wiener Towarzystwo Ubezpieczeń Spółka Akcyjna Vienna Insurance Group

Website

https://wiener.pl

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Wiener TU is a Polish multi-line property and casualty insurer offering auto, home, health, travel, agricultural, and business insurance products to individual consumers, SMBs, and specialized segments across Poland through 2,000+ agency points and digital channels, now part of VIG's 4th largest Polish insurer following its May 2024 merger with Compensa.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Product Liability (FSAJADAC), Product Liability & Recall (FSAJAGAG)

Keywords

• Insurance services
• Motor vehicle insurance
• Property insurance
• Travel insurance
• Agricultural insurance

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: Core revenue stream from collecting insurance premiums across multiple lines: auto (OC/AC), property/home, health/NNW, travel, agricultural, and commercial insurance. Premiums are collected on annual, semi-annual, or monthly payment schedules depending on product type.
2. Assistance Services: Revenue generated from emergency assistance services including vehicle assistance, home assistance, health assistance, and travel assistance. Services include roadside help, vehicle replacement, home repair specialists, and medical coordination.
3. Financial Guarantees: Revenue from financial guarantee products for businesses including bid bonds (wadium), advance payment guarantees, contract performance guarantees, and warranty bonds for contractors.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Wiener TU sells multi-line insurance products under the Wiener brand in Poland, distributed through a hybrid of 2,000+ physical agents and digital self-service channels. Core offerings span consumer packages (auto, home, school, travel, agricultural, accident) and commercial packages (SME, fleet, transport, renewable energy, financial guarantees, tourism organizer). The company also provides 24/7 assistance services and claim processing supported by an online damage reporting system and direct damage settlement (BLS) infrastructure.

Product overview

Wiener TU S.A. Vienna Insurance Group operates a multi-segment insurance platform offering products for individuals (Dla Ciebie) and businesses (Dla firm). The core individual product lines include Pakiet AUTO (vehicle insurance with OC, AC, NNW, and assistance options), Pakiet 4 KĄTY (home and property insurance), Pakiet OŚWIATA (school accident insurance), Pakiet PODRÓŻ (travel insurance), and Pakiet AGRO (agricultural insurance). Standalone individual products include Medipass (global medical opinion service), legal protection, drone insurance, and OZE installation insurance. Business offerings include Pakiet BIZNES (SME insurance package), fleet vehicle insurance (OC, AC, Assistance, NNW for 15+ vehicles), transport insurance (cargo, carrier liability, forwarder liability), Pakiet BIZNES for small businesses, renewable energy insurance for solar and wind farms, personal insurance for businesses (tourism organizers, foreign workers, Optima NNW), and financial guarantees (bid bonds, advance payment refunds, contract performance guarantees). The company also offers insurance for foreigners (medical costs in Poland). Products are available in Polish, Ukrainian, Russian, and English. Wiener merged with Compensa in May 2024 under VIG Group.

Differentiator

Problem solved

Functional benefit

Brands

• Compensa TU S.A. Vienna Insurance Group: Following the merger, Compensa TU S.A. Vienna Insurance Group became the parent entity and owner of the Wiener brand.

Products and services

• Pakiet AUTO (Vehicle Insurance Package) Comprehensive vehicle insurance package covering OC (mandatory third-party liability), AC (casco), NNW (accident insurance), and assistance services for drivers and passengers in Poland and Europe. Available to individual consumers and businesses.
• Pakiet 4 KĄTY (Home and Property Insurance) Modern home and property insurance covering residential buildings, apartments, household contents, liability, and family health with customizable coverage, starting from 77 PLN annually. For individual consumers.
• Pakiet OŚWIATA (School Accident Insurance) School accident insurance protecting children, youth, and students up to age 26 from accidents 24/7 throughout the year, starting from 37 PLN annually. Available to parents and educational institutions.
• Pakiet PODRÓŻ (Travel Insurance) Travel insurance covering foreign medical treatment costs with assistance services and accident coverage for trips abroad or within Poland. For individual travelers.
• Pakiet AGRO (Agricultural Insurance) Comprehensive agricultural insurance covering farm property, machinery, health, and liability with mandatory and voluntary coverage combined in one policy. For Polish farmers and agricultural businesses.
• Pakiet NA WSZELKI WYPADEK (Accident Insurance) Accident and health insurance for everyone regardless of age or health condition, providing 24/7 protection in Poland and abroad. For individual consumers.
• Medipass (Global Medical Opinion Service) Global medical opinion service providing access to expert medical opinions from leading institutions in 36 countries including USA, Germany, UK, France, and Switzerland. For individual consumers.
• Drone Pilot Liability Insurance (OC pilota drona) Drone pilot and operator liability insurance covering UAVs in open, special, and certified categories, available for recreational and professional use from 70 PLN annually. For individual drone operators and businesses.
• Renewable Energy Installation Insurance (Ubezpieczenie instalacji OZE) Renewable energy installation insurance covering heat pumps, photovoltaic panels, and solar collectors against damage, destruction, or theft for residential properties. For homeowners.
• Na fali (Inland Watercraft Insurance) Inland watercraft insurance covering sailing boats, sailing-motor boats, and motor boats with NNW and OC coverage for recreational use in Poland. For individual consumers.
• Asysta prawna i ochrona prawna (Legal Assistance and Protection) Legal assistance and protection insurance covering legal costs for private life disputes including road accidents, labor law violations, and unfair competition. For individual consumers.
• Medical Cost Insurance for Foreigners in Poland Medical cost insurance for foreigners staying in Poland, including visa applicants, international students, contract workers, and tourists, with 24/7 protection. For foreign nationals and expatriates.
• Pakiet BIZNES (SME Insurance Package) Small and medium business insurance package customizable for pharmacies, hotels, car dealers, restaurants, shops, and construction companies with property up to 15M PLN per location. For Polish SMEs.
• Global Truck Assistance (Commercial Vehicle Assistance) Commercial vehicle assistance providing technical support and medical care for drivers in Poland and Europe, covering breakdowns and accidents. For transportation companies and fleet operators.
• Transport Insurance (Ubezpieczenia transportowe) Transport insurance covering property and liability for domestic and international transport, including road carrier OC, freight OC, cargo insurance, customs guarantee, and freight forwarder liability. For transportation companies.
• Fleet Vehicle Insurance (OC and AC for 15+ vehicles) Fleet third-party liability and comprehensive insurance for commercial fleets of 15+ vehicles covering Poland and EU countries plus Norway, Liechtenstein, Iceland, Switzerland, Croatia, Andorra, and Serbia. Custom quoting with dedicated specialist team. For commercial fleet operators.
• Photovoltaic Power Plant Insurance Photovoltaic power plant insurance covering equipment damage, destruction, or theft, plus financial consequences of business interruption. For utility-scale PV plant operators.
• Wind Power Plant Insurance Wind power plant insurance covering equipment damage, destruction, or theft, plus financial consequences of business interruption. For utility-scale wind farm operators.
• Tourism Organizer Insurance Package Tourism organizer insurance package including mandatory insurance guarantee, trip cancellation coverage, and travel insurance for travel agency clients. For travel agencies and tourism organizers.
• Financial Guarantees (Bid Bonds, Performance, Advance Payment, Warranty) Financial guarantee products for businesses including bid bonds (wadium), advance payment guarantees, contract performance guarantees, and warranty bonds for contractors. For businesses participating in tenders and executing contracts.

Quantifiable outcome

• Direct damage settlement (BLS) eliminates need to contact at-fault party's insurer - single point of contact for policyholder
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Vienna Insurance Group (VIG)coreStrategic or Co-development PartnerVienna Insurance Group is the ultimate parent company of both Wiener and Compensa. In May 2024, Wiener TU merged with Compensa TU under VIG, creating the 4th largest insurance company in Poland. VIG provides brand backing, capital strength, and cross-border insurance expertise across Europe.
• Compensa TU S.A. Vienna Insurance GroupcoreStrategic or Co-development PartnerCompensa TU S.A. Vienna Insurance Group is the surviving entity from the May 2024 merger with Wiener. Compensa became the owner of the Wiener brand trademark and assumed all rights and obligations from Wiener insurance contracts. The combined entity represents the 4th largest insurance company in Poland.
• Partner Workshop NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of authorized and independent automotive workshops across Poland providing repair services for insured vehicles. Partner workshops offer door-to-door pickup service, replacement vehicles, cashless settlement, and 2-year warranty on repairs. Enables the direct damage settlement (BLS) service.
• Insurance Agents (2,000+ points)coreChannel Partner/ Reseller/ DistributorExtensive network of independent insurance agents and agencies providing face-to-face sales and service across all of Poland. Agents sell the full range of Wiener insurance products and provide ongoing policy servicing, claims assistance, and customer support.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• PZU: The dominant Polish insurance carrier and the market leader across P&C and life insurance. PZU competes directly with Wiener across auto, home, business, and agricultural lines but operates at materially larger scale with broader product depth.
• Allianz Poland: Polish arm of global insurer Allianz, offering P&C, life, and health products to individuals and businesses. Competes with Wiener across auto, property, and SME packages, with stronger brand recognition and broader international backing.

Direct peers

• Compensa TU S.A. Vienna Insurance Group: Wiener's sister company within VIG and now its legal acquirer. Compensa is the surviving entity post-merger and the owner of the Wiener brand, making it the closest functional peer in product mix, target customer, and VIG strategic alignment.
• Ergo Hestia: One of the largest Polish P&C insurers with strong positions in auto, home, and business insurance. Directly comparable to Wiener in product breadth, multi-channel distribution (agents + digital), and SMB/mid-market focus.
• Warta (Talanx): Major Polish P&C insurer under the Talanx Group, offering auto, property, travel, and corporate insurance through agents and digital channels. Comparable in scale, product range, and customer segments to Wiener.
• Generali Poland: Polish subsidiary of Generali Group offering P&C and life insurance with strong presence in auto and corporate lines. Directly competes with Wiener's Pakiet AUTO, Pakiet BIZNES, and financial guarantee products.
• TU Europa: Polish insurer offering auto, property, life, and travel insurance, distributed through agents and direct channels. Operates in similar customer segments as Wiener with overlapping product lines in auto OC/AC and home insurance.
• UNIQA Poland: Austrian-headquartered insurer operating in Poland with multi-line P&C and life offerings. Comparable to Wiener in auto, home, SME, and travel insurance, with similar Central European group structure.

Emerging players

• Link4: Digital-first Polish insurer (now part of PZU Group) specializing in direct-to-consumer auto and property insurance via online channels. Represents the insurtech competitive threat to Wiener's traditional agent-led auto distribution.

Others

• Vienna Life (VIG life insurance in Poland): VIG Group life insurance affiliate in Poland. While focused on life rather than P&C, it shares the same parent and cross-sell ecosystem as Wiener, making it a strategic/ecosystem peer for understanding the full VIG Polish footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

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• LinkedInlinkedin.com/company/wienertu

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wiener TU