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Flagship · Transport

Carrier liability (OCPD)

Protect your transport business with flexible liability coverage tailored to your operations. WECOYA solutions are designed for international carriers, including complex risks, specialized cargo and individual transport requirements.

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Cargo Insurance

Protect your cargo wherever business takes you. Flexible coverage for high-value, temperature-sensitive and specialized goods, with tailored solutions for domestic and international transport.

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DRAUDITA

About UAB "Draudita"

UAB "Draudita" is an insurance intermediary providing specialised insurance solutions for businesses, with a particular focus on the transport and logistics sectors.

The company is registered in Lithuania under company registration number 302543510 and is registered in the Bank of Lithuania's Register of Financial Market Participants as an insurance intermediary. The Bank of Lithuania register also confirms the provision of services in other EU Member States without establishing a branch.
Bank of Lithuania

In Poland, "Draudita" carries out insurance distribution activities under the European Union Freedom to Provide Services (FOS) regime, without establishing a separate branch. Activities in Poland were notified as of 11 February 2026. Karta_agenta_Draudita_EN_PL_

In the Polish market, we primarily focus on the transport and logistics sector. We currently offer OCPD insurance, representing WECOYA MARINE Underwriting GmbH.

We also cooperate with financial institutions and act as an intermediary in helping business clients obtain guarantees and sureties required for their business activities.

Our goal is to combine specialised insurance expertise, international insurance solutions and a simple digital process, enabling clients to obtain insurance and other business solutions quickly, clearly and conveniently.

Key facts

Operating since2010
Company registration number302543510
StatusInsurance intermediary
Supervisory authorityBank of Lithuania
Activities in PolandFOS – provision of services without establishing a branch
Start of activities in Poland11 February 2026
Supervision in PolandKNF – Polish Financial Supervision Authority
PartnerWECOYA MARINE Underwriting GmbH
Specialisation in PolandOCPD, transport sector
Additional business solutionsGuarantees and sureties in cooperation with financial institutions

Country of registration – Lithuania | Country of operation – Poland | Cross-border insurance distribution within the EU

One named advisor

Same person from your first quote to your fifth renewal. Knows your fleet, your routes, your history.

Get your tailored insurance offer online

Claims, handled for you

You email or message your advisor. We negotiate with the insurer end-to-end. You stay on the road.

Coverage

Cover that crosses every border.

From Lisbon to Vilnius, from Helsinki to Athens — Draudita policies travel with your fleet. One contract, one renewal, one team.

Warsaw Berlin Vilnius Paris Madrid Rome

Countries

32

Routes / day

3,200+

Why Draudita

Insurance is more than a formality.

It's an agreement of trust — one that has to work in real conditions, exactly when you need it most. That's the philosophy we built Draudita around.

"Jedź spokojnie do celu."

Drive safely to your destination — our promise to every client.

Flexibility & speed

In transport, time is money. No off-the-shelf packages — every quote is tailored to your activity, deadlines and risk.

Experience & reputation

Years of specialist experience in transport & motor insurance.

International network

Representing foreign insurers — competitive terms, fast procedures, stable financial backing for large fleets.

Individual approach

A small, specialised team — close to every client from the first enquiry through to policy issue and claim handling.

Trust & transparency

All terms, scope and timelines stated clearly. No hidden conditions — only honest, transparent insurance contracts.

Claim support

We are by your side when it matters most – providing clear guidance, personal support and active assistance throughout the entire claims process.

Process

From request to policy in 4 simple steps

No paperwork. No back-and-forth. One streamlined process.

Step 01 01

Tell us about your fleet

Fill in our 3-minute brief — vehicles, routes, cargo, history.

Step 02 02

Get your tailored insurance offer online

Step 03 03

Pay and we’ll send you the certificate by email.

Step 04 04

You're covered

FAQ

Common questions

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What does the standard OCPD insurance cover? +
The standard insurance cover includes the carrier's liability for loss of or damage to cargo, subject to the terms and conditions of the insurance contract.

During the purchase process, you may also select additional extensions, such as Cabotage, STCC, Other subsidiary.
What legal framework applies to OCPD / OCP insurance? +
Based on Polish law and international regulations, OCPD / OCP – Road Carrier's Liability Insurance (in Poland: OCPD / OCP – Ubezpieczenie Odpowiedzialności Cywilnej Przewoźnika Drogowego) is based on the following legal framework:
  • International transport: Where transport is carried out on international routes, the carrier's liability and the applicable liability limits are governed by the Convention on the Contract for the International Carriage of Goods by Road (CMR) and its protocols. Under Article 23 of the CMR Convention, liability for loss of or damage to cargo is generally limited to 8.33 Special Drawing Rights (SDR) per kilogram of gross weight.
  • Domestic transport in Poland: Where transport is carried out within Poland, Polish national legislation applies, primarily the Polish Transport Law Act (Prawo przewozowe).
  • Insurance Terms and Conditions (OWU): OCPD / OCP – Road Carrier's Liability Insurance is not compulsory under Polish law, unlike compulsory motor third-party liability insurance (OC), but it is a market standard. The scope of cover, exclusions and liability limits are defined in detail in the insurer's General Terms and Conditions of Insurance (Ogólne Warunki Ubezpieczenia – OWU) and in any additional clauses agreed under the insurance contract.
What are the main limits under the standard product? +
CoverageLimit
Carrier's liability for cargoEUR 600,000
Cargo salvage costsEUR 20,000
Financial lossesEUR 30,000
Annual aggregate limitEUR 1,200,000

The detailed scope of cover, exclusions and applicable conditions are set out in the insurance documentation.

What is the standard deductible? +
The standard deductible is EUR 1,000 per insured event. However, different deductibles apply to certain risks:
RiskDeductible / Insured's share in the loss
Standard deductibleEUR 1,000
Damage to semi-trailers, trailers, chassis, swap bodies and containersEUR 1,000
Temperature-sensitive cargoEUR 3,000
Motor vehicle transportationEUR 3,000 per vehicle, maximum EUR 9,000 per vehicle load
Embezzlement / phantom forwardersEUR 30,000 loss participation
When does my insurance cover start? +
Insurance cover starts from the date and time stated in the insurance certificate, provided that all purchase requirements and applicable insurance conditions have been met.

Important: Insurance cannot be purchased retrospectively for an event that has already occurred or for a loss that is already known.
What will I receive immediately after purchasing the insurance? +
Once the purchase has been successfully completed, you will receive an OCPD insurance certificate confirming the insurance cover and its main parameters.

The certificate may be used as evidence of insurance cover from the coverage start date stated in the certificate.

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