Rapping along to their favourite song, dad and daughter experience a sudden engine failure. "Aaaaaaa" dad screams. Love it when the daughter tells hime "It's pronounced triple A" with that glare, and dad looks like he's thinking he created a monster.
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PZU call upon Marcin Dorociński once more to explain why having their insurance is a good idea. Well, actually they're explaining that having insurance is a good idea. As Marcin points out, random events can happen to anyone, at any time.
Having a bath thinking about insurance? Don't! You'll call up the farting troll! And don't feed them after midnight either! Wait, what? Is this an insurance ad or someones gorgonzola nightmare after watching Gremlins?
The time has come, she's about to give birth. You have to get to the hospital without her water breaking in the new car. This silly scene is just to remind you that having car insurance helps ease your life a little, so you don't have to be such a prick in these situations.