No-claims bonus calculator — Polish OC bonus-malus

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.