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No-claims bonus calculator — Polish OC bonus-malus

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.

Reviewed byRedakcja Liczbnik
Calculator
OC discount resultEstimated MTPL premium900.00PLN
Discount / surcharge (%)
25
Saving / additional cost (PLN)
300.00 PLN
Bonus-malus class
Klasa bonus — zniżka 25%

How we calculate the OC discount

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).

Example: 8 years without claims, base premium PLN 1200

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.

Frequently asked questions about OC discounts

What is the bonus-malus system in Polish MTPL insurance?

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%.

How much discount do I get per year without a claim?

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.

How many claim-free years do I need for the maximum OC discount?

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.

How much will my OC premium rise after an accident?

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.

Does my claims history transfer to a new insurer?

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.

How long does a claim affect my OC premium?

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.

Indicative result

Estimated result only — this is not an insurer's offer. Actual discounts depend on the insurer and policy terms. The calculator uses a simplified bonus-malus model; actual class tables and thresholds may differ by insurer.
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