We have another favourable and final ruling for the law firm’s client in a dispute over declaring ineffective/invalid the provisions of life insurance contracts with ICF.


On 5 December 2022, the Court of Appeal in Warsaw (case No V ACa 682/21) dismissed the insurance company’s appeal against the ruling of the Regional Court in Warsaw of 28 April 2021 (case No IV C 1406/21), according to which Towarzystwo Ubezpieczeń na Życie Europa S.A. was to pay our client the amount of PLN 231,190 plus statutory interest.


Echoing our arguments, the court considered the provisions of the terms and conditions of insurance and the regulations of the insurance capital fund to be abusive. It also confirmed that without the challenged provisions, the agreement could not be performed in full. Therefore, the client is entitled to a refund of all premiums paid to the insurer from February 2017, with interest, which amounts to a total of almost PLN 330,000.

The Saving Insurance Policies Team at RK Legal is managed by Szymon Guniewicz, legal counsel!

Szymon Guniewicz

Szymon Guniewicz

Attorney-at-law, Counsel How can I help you?

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