Car insurance calculator — OC and AC premium estimate 2026
Estimate your car insurance premium (OC/AC) in Poland. Based on driver age, no-claims discount and vehicle value. Indicative only, not an offer.
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Find out how much you will pay for MTPL (OC) insurance based on your claims history. Enter the number of years without at-fault claims, the number of accidents in the last 3 years, and your base premium — the calculator returns your estimated discount or surcharge under the bonus-malus system.
Discount for claim-free years: each year adds +5%, up to a maximum of 60% (after 12+ years). Penalty for claims: each at-fault claim reduces the discount by 20%. The net percentage can be negative (surcharge), but no worse than −50%. If the result ≥ 0%: premium = base × (1 − discount/100). If the result < 0%: premium = base × (1 + |surcharge|/100). Saving = base premium − estimated premium (negative = additional cost).
A driver with 8 claim-free years and no accidents: discount = 8 × 5% = 40%. Premium = PLN 1200 × (1 − 0.40) = PLN 720. Annual saving versus the base rate is PLN 480.
Bonus-malus is a system of discounts and surcharges applied to MTPL (OC) premiums based on the driver's claims history. 'Bonus' (discount) is awarded for each claim-free year of driving. 'Malus' (surcharge) is applied after an at-fault accident. The maximum discount in Poland is approximately 60%.
Typically each claim-free year gives a 5% discount, up to a maximum of 60% after approximately 12–15 years. In the first year after getting a driving licence, a driver starts from class M (no discount). The exact rates depend on the insurer.
At the standard rate of +5% per year, the maximum 60% discount is reached after about 12 claim-free years. Some insurers offer faster tracks or higher discounts (up to 70–75%). The calculator shows an estimate for the standard system.
Each claim moves the driver 2–3 classes down the bonus-malus table, meaning a loss of 15–30% discount or the appearance of a surcharge. After an accident, the insurer takes it into account for the next 3 years when calculating the premium. The calculator estimates the impact of claims on the premium.
Yes — UFGIG (the Polish Insurance Guarantee Fund) maintains the Central Insurance Database. Discounts and claims are recorded and transferred automatically when you switch insurer. You cannot hide claims from a new insurer.
As a rule, an at-fault OC claim is taken into account for 3 years in the bonus-malus table. After 3 consecutive claim-free years its negative impact is removed. The exact duration depends on your policy terms.
OC discounts are attached to the driver (policyholder), not to the car. When you buy a new vehicle, you keep your accumulated discounts. When you sell a car, the discounts stay with the original policyholder.
No — only claims resulting in an actual payout from your OC policy affect the bonus-malus table. An incident reported but not leading to a claim settlement does not worsen your class.
Class M (M for 'młody' — young driver) is the starting class for drivers who have just obtained a licence or have never held an OC policy before. It corresponds to a 0% discount — you pay the full base premium. After the first claim-free year you move to class 1 (+5%).
Enter the number of years you have driven without at-fault claims, the number of at-fault claims in the last 3 years, and an indicative base premium. The calculator returns the estimated discount or surcharge percentage and the final premium amount. The result is indicative — the actual premium depends on your insurer.
Indicative result
Estimate your car insurance premium (OC/AC) in Poland. Based on driver age, no-claims discount and vehicle value. Indicative only, not an offer.
Calculate your car insurance (OC/MTPL) refund when selling a vehicle or cancelling the policy. Proportional refund by unused days — free and instant.
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