Mandatory Liability Insurance for Your Vehicle
Compare mandatory liability insurance from over 30 insurers and choose the cheapest policy online. It’s free, with no obligation, and takes just a few minutes.
Third-party liability insurance for motor vehicle owners is a basic policy that every vehicle registered in Poland—whether a car, motorcycle, tractor, or trailer—must have. It protects not you, but the people you might injure or cause property damage to in connection with the operation of your vehicle. Thanks to this insurance, the injured party receives compensation from your insurer, and you do not have to cover these costs out of your own pocket.
Prices for the same policy can vary by as much as several hundred zlotys depending on the insurance company. That’s why, instead of blindly renewing your liability insurance with your current insurer, it’s worth comparing offers. At Tanie OC, we compile offers from over 30 insurance companies so you can see in one place where you’ll pay the least for the same mandatory coverage.
Third-Party Liability Insurance in a Nutshell
What is liability insurance, and why is it mandatory?
OC, or civil liability insurance, is a policy that covers damages caused to others in connection with the operation of a vehicle by its owner or driver. The requirement to have this insurance stems from the Compulsory Insurance Act and applies to every registered vehicle, regardless of whether it is currently in use or sitting unused in a garage.
You must have liability insurance from the date the vehicle is registered until it is deregistered. The policy is usually valid for 12 months and, if paid in full, is automatically renewed for another year in most cases. It’s important to keep this automatic renewal in mind so you can cancel your old policy in time and avoid double coverage or paying more than necessary.
What Does Liability Insurance Cover?
Compensation is paid under a liability insurance policy to persons injured in an accident or collision caused by the driver of the insured vehicle. This covers both property damage (e.g., damage to a car, a fence, or infrastructure) and personal injury (medical and rehabilitation costs, as well as compensation for pain and suffering).
The upper limit of liability is set by statutory coverage limits, which are common to all insurers and are not determined on an individual basis. However, liability insurance does not cover damage to the at-fault driver’s own vehicle—that’s what voluntary comprehensive (AC) and personal accident (NNW) insurance are for, which you can also compare on our website.
What Factors Determine the Price of Liability Insurance?
The third-party liability insurance premium is not fixed in advance, and each insurance company calculates it according to its own rate schedule. The driver’s claims history, which is factored into the bonus-malus system, is very important: the longer you drive without causing any claims, the greater the discounts you can receive, and any claim for which you are at fault usually increases your premium.
The price is also influenced by the driver’s age and driving experience, the vehicle’s specifications (make, model, engine displacement and power, year of manufacture), as well as the owner’s place of residence. Since insurers evaluate these same factors differently, the same driver will receive different quotes from different companies, which is why it pays to compare offers.
Policy Transfer, UFG Penalties, and the Green Card
When a car is sold, the liability insurance policy is transferred to the new owner, who may use it until the end of the insurance period. However, the buyer is not required to continue the policy—they may cancel it and take out their own policy, which is often more favorable after comparing offers. The current insurer must be notified of the sale of the vehicle within the statutory time limit.
Failure to maintain valid liability insurance—even for just one day—may result in a penalty imposed by the Insurance Guarantee Fund (UFG). The amount of the fine depends on the type of vehicle and the length of the coverage gap and is tied to the minimum wage—the longer the gap, the higher the fine. When planning a trip abroad, it’s a good idea to check your Green Card—a document confirming third-party liability coverage in countries not covered by the territorial scope of a standard policy, usually issued free of charge by the insurer.
Key Points at a Glance
Frequently Asked Questions
Compare auto liability insurance from over 30 insurers and choose the cheapest option
Don't overpay for mandatory liability insurance. In just a few minutes, find out where you'll pay the least for the same coverage. The comparison is free and non-binding—you only pay for the policy you choose. Have questions? Call: 735 736 737.
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