This is general information, not insurance advice. Policy terms vary by insurer. Read your policy documents and compare offers before buying.
OC: the mandatory cover
Every registered vehicle in Poland must have third-party liability insurance, known as OC. It covers damage and injury you cause to others. Driving without valid OC leads to heavy fines from the Insurance Guarantee Fund, charged per day uninsured.
AC: optional comprehensive cover
Autocasco (AC) is voluntary and protects your own vehicle against theft, accidents and damage, including your own fault. Newer or financed cars are often insured with AC, while owners of older cars may rely on OC alone.
- OC: required, covers third-party damage.
- AC: optional, covers your own vehicle.
- Add-ons: assistance, glass, personal accident.
What affects the price
Premiums depend on the car, your age and driving history, where you live and your claims record. A clean record builds a no-claims discount over time, while past claims raise the price.
- Driver age and experience.
- Vehicle make, model and value.
- Claims history and no-claims bonus.
Buying and renewing
OC policies usually run for twelve months. They often renew automatically, so cancel in time if you switch insurer to avoid double cover. Comparison sites make it easy to shop around each year.
Tips for foreigners
When you buy a used car, the existing OC normally transfers to you but you should review and may cancel it. Keep proof of insurance in the car, as police checks are common.
Frequently Asked Questions
Is car insurance mandatory in Poland?
Yes, OC third-party liability cover is compulsory for every registered vehicle.
What does AC cover?
Autocasco is optional and covers your own vehicle against theft, accidents and damage.
What happens if I drive without OC?
You face significant fines charged per day uninsured by the Insurance Guarantee Fund.
How long does OC last?
Typically twelve months, often renewing automatically unless you cancel in time.
Does OC transfer with a used car?
Usually yes, the seller's OC passes to the buyer, who can review or cancel it.
What lowers my premium?
A clean claims record builds a no-claims discount over time.
Should older cars have AC?
Owners often skip AC on older cars, relying on the mandatory OC instead.
Can I compare offers online?
Yes, comparison websites let you check many insurers quickly.
What add-ons are available?
Roadside assistance, glass cover and personal accident protection, among others.
Do I need proof in the car?
It is wise to keep confirmation of insurance, as roadside checks are common.