Link4 Towarzystwo Ubezpieczen S.A. (Poland)

Link4 Towarzystwo Ubezpieczen S.A. (LINK4) is a Polish non-life insurance company and a pioneer of the direct insurance model in Poland. The company launched operations in 2003 as the first insurer in the Polish market to sell policies directly to customers, without relying solely on traditional agents. Today LINK4 is one of the leaders of the motor insurance market, with particular strength in mandatory third-party liability (OC) and comprehensive (AC) insurance for motor vehicles, supported by assistance, accident (NNW), windscreen and other add-on covers. The company also offers household insurance (home and apartment), liability insurance for individuals, legal-assistance cover and travel insurance products, as well as selected products for micro and small businesses, all distributed through multiple channels including telephone, online platforms, agents, brokers and partner networks. LINK4 is part of the PZU Group, the largest financial conglomerate in Central and Eastern Europe, which provides capital support, brand synergies and access to a broader financial-services ecosystem. The company emphasises simplicity and transparency of insurance products, data-driven management and the use of big data and innovative solutions to better price risk and maintain long-term customer relationships. With more than 800 employees and strong brand recognition – it ranks among the top three most recognised insurance brands in Poland – LINK4 positions itself as a modern, multichannel insurer combining the heritage of a direct pioneer with the scale and stability of the PZU Group, focused on motor, home and travel insurance for retail customers and small enterprises.