Car insurance
Third-party liability insurance (OC) is compulsory in Poland, but your cover can go much further depending on your needs and how you use the car. We will compare offers from several insurers to help you choose the best option.
The right cover starts with your needs
Different situations on the road call for different levels of cover.
- You are buying a car, new or used.
- Your current OC or AC policy is about to end.
- You are financing the car through a lease or loan.
- The way you use the car is changing, for example you start using it for work or travel abroad more often.
A few questions to start with
To prepare the right offer, we need some information that lets us match the cover to your car and the way you use it.
What to prepare
- Who uses the car and how?We take into account the drivers' ages, the mileage and how the car is used.
- Is it worth adding comprehensive cover (AC)?We compare the value and age of the car with the cost of the insurance, the scope of cover and any excess.
- How will the claim be settled?We check how claims are handled, through a repair garage or on the basis of a cost estimate, and the rules on original versus replacement parts.
- What assistance do you need?We agree the roadside help you need, including towing terms and limits in Poland and abroad and whether a replacement car is available.
- Would extra cover be useful?Personal accident cover (NNW), glass cover or no-claims protection can be a valuable addition to your policy. We will explain what they include and when they make sense.
Frequently asked questions
The answers below are general. The details depend on your policy terms and the type of event, so we look at every case individually.
Does OC renew automatically?
A compulsory 12-month OC policy generally renews automatically for another year unless it is cancelled no later than one day before it ends. There are exceptions: for example, the previous owner's policy on a car you have bought does not renew automatically. It is worth checking when your cover ends and comparing the offers available.
What happens to OC when I buy a used car?
The previous owner's OC policy passes to you and stays valid until the end of the period it was taken out for. You can keep it, or cancel it and take out your own. Bear in mind that the insurer may recalculate the premium.
What is the difference between garage settlement and cost-estimate settlement?
With garage settlement, the repair is paid for on the basis of invoices for the work and parts, in line with the policy terms. With cost-estimate settlement, the insurer sets the payout based on its own valuation and pays the money into your account. That amount may not cover the full cost of repair at the garage of your choice.
Other areas
Let's talk about what you want to protect
Call, email or leave a message in the form. We will get back to you to talk about how we can help.
Call+48 504 031 330