Link4

Link4 Towarzystwo Ubezpieczen S.A. is a direct-to-consumer insurance carrier operating in Poland, distributing motor, travel, and property insurance exclusively through phone and online channels. Founded in 2003 as Poland's first phone- and internet-only insurer, the company operates around the clock with a single customer service number and a philosophy centered on simplicity of insurance access. Link4 is a subsidiary of PZU Group, the largest financial conglomerate in Central and Eastern Europe.

The carrier employs AI-powered chatbots for customer service, telematics-based products for driver behavior analytics, and advanced fraud detection systems in partnership with DataWalk. Online portals support end-to-end self-service for quotes, policy purchases, claims reporting, and payment. The company holds ISO 9001:2001 certification for its claims management processes, and runs a dedicated agent portal at agent.link4.pl alongside a consumer-facing platform.

Link4 has grown to over 800 employees and ranks as the third most recognized insurance brand among insurers in Poland according to a 2023 Pollster Institute survey. It has received the Golden Client Laurel award four times for best insurance products. Capital support and strategic resources are provided by PZU Group, with no independently disclosed funding rounds or public market listing.