Car Insurance in Poland: Obligatory Coverage for Vehicle Owners


Third-party liability insurance (OC insurance) is a type of car insurance policy that covers the policyholder's legal liabilities to third parties in case of an accident or damage caused by their vehicle. In Poland, this type of insurance is mandatory for all vehicles registered in the country. The aim is to protect third-party individuals and property from harm caused by vehicle accidents.

Under Polish law, all drivers must have third-party liability insurance coverage. Failure to have this insurance policy is a serious offense that can result in legal penalties, including fines and suspension of the vehicle registration. In addition, drivers may be held liable for any damages or injuries caused in an accident if they do not have the mandatory coverage.

The third-party liability insurance policy is designed to provide compensation to third parties, such as pedestrians, passengers in other vehicles, or drivers, whose vehicles or property are damaged due to the fault of the insured driver. The coverage includes the payment of medical expenses, repair costs, and other damages.

The amount of coverage required by law depends on the type of vehicle and its intended use. All cars must have coverage of at least €5 210 000, in case of personal injury and minimum of €1,050,000 for property damage. It is worth noting that the required minimum coverage may not be sufficient to cover all damages in the event of a serious accident. Bot those amouns are due to increase soon to up to PLN 29 876 400 in the first case and PLN 6 021 600 in second case. Also, it is recommended to consider purchasing additional coverage.

One of the most convenient ways to purchase third-party liability insurance is through online calculators, which allow customers to compare quotes from different insurers and choose the best policy for their needs. Online motor third-party liability calculators are available on various insurance companies' websites, and they are free to use.

To use an online third-party liability insurance calculator, the customer needs to provide basic information about their vehicle, including the make, model, and year of production, and personal details, such as their name, age, and driving experience. The calculator then generates a list of insurance policy options, along with their coverage and cost.

In conclusion, third-party liability insurance is mandatory for all vehicles registered in Poland. Drivers who fail to obtain this insurance coverage risk legal penalties, as well as liability for damages and injuries caused in accidents. To purchase third-party liability insurance, customers can use online motor third-party liability calculators to compare quotes and select the best policy for their needs.