A claim for unpaid rent is reported entirely within the simpl.rent system, without having to send documents on your own. After completing the form, the system automatically attaches a filled claim form along with a copy of the policy and submits everything directly to PZU.

When can you report a claim?

A claim is reported when the tenant is more than 30 days overdue on payment and does not respond to payment reminders or notices. Once 30 days have elapsed from the payment due date, you have 14 days to submit the claim to PZU.

The claim application is filled out in the simpl.rent panel through the following steps:

1. After selecting "Unpaid rent", review the list of required attachments and prepare their scans or photos.
2. Next, fill in the details regarding the claim:
   • Is this the first claim under this insurance policy?
   • Have 30 days passed since the required payment date? Has the tenant been issued reminders and in what manner (email messages, SMS, or post)?
3. Provide details of the overdue payment: the due date specified on the invoice or lease agreement, and the month to which the missed payment relates.
4. Specify the breakdown of the overdue amount by payment type: landlord fee, utility charges, and, optionally, the amount and description of other overdue charges (e.g., parking space).
5. Attach the required documents in the fields provided on the "Documents to attach" screen. Accepted formats are PDF, PNG, and JPG, and the total size of all attachments must not exceed 15 MB.
6. Finally, review the summary and the list of documents to be forwarded to PZU, check the declaration statement confirming that the data provided is truthful and accurate to the facts, and click "Report claim".

The absence of any required attachment will result in the claim being rejected by PZU. You must prepare:

• Lease or accommodation agreement.
• Bank account statement confirming the overdue balance.
• Payment reminders sent to the tenant (reminders must be attached for each requested payment).
• Invoices for unpaid rent (if issued).
• Utility bills/invoices (if applicable).

Other coverage components are not reported automatically through the system. Upon selecting a specific type of insurance, instructions will be displayed on how to report the claim directly to PZU – by phone or email:

• Movable property: by email to kontakt@pzu.pl. The report must include a description of the damage along with the circumstances and date, scans or photos of receipts/invoices confirming the value of the damaged property, scans or photos of documents (policy and lease agreement), and a bank account number for the payout. If the claimant is not the owner of the damaged property, a power of attorney is required.
• Building & contents insurance: online at zgloszenie.pzu.pl, by email to kontakt@pzu.pl, or by phone at 801 102 102 or 22 566 55 55. The claim must be reported no later than 7 days from the date of the event.
• Landlord liability: by phone to the PZU team at +48 801 102 102 or +48 22 566 55 55.
• Legal expenses: by phone to PZU at +48 22 505 16 04.
• Home assistance: by phone at +48 801 102 102 or +48 22 566 55 55.
• Breakable items: by phone to the PZU team at +48 801 102 102 or +48 22 566 55 55.