Car insurance OC / AC

Average OC in 2025 was around 679 PLN a year, with a realistic spread of 400-900 PLN. Cheap offers start from ~158 PLN; for young, higher-risk drivers it runs to 1 200+ PLN. The price depends on age, driving years, claims history, city, car and engine size. AC (comprehensive) is priced separately.

Yes. To take out OC in Poland you need a PESEL number - without it an insurer won't sign a contract and the online calculator won't quote a price. If you don't have a PESEL yet, we help you get one first and then arrange the policy. A Polish driving licence is not needed to insure the car itself - it is the vehicle that is insured, not the driver.

OC (compulsory) - covers damage you cause to others. AC (comprehensive, optional) - damage to and theft of your own car. NNW - injury to the driver and passengers. Assistance - roadside help, towing, a courtesy car. OC is always compulsory; the rest is your choice.

UFG fines for a passenger car in 2026: 1-3 days without OC - 1 920 PLN, 4-14 days - 4 810 PLN, more than 14 days - 9 610 PLN. But recourse is worse than the fine: if you cause an accident while uninsured, UFG pays the victim and recovers the full amount from you - on average around 24 000 PLN.

The seller's OC passes to you automatically and runs to the end of the paid period - but it does NOT auto-renew. You can cancel it at once (wypowiedzenie) and take out your own, or keep it, but you must sign new OC before the end date - otherwise there is a gap and a UFG fine. The seller, in turn, must notify the insurer of the sale within 14 days.

Sometimes yes - but not every Polish insurer credits a foreign claims-free record. You need the foreign policy and a no-claims certificate (zaświadczenie o przebiegu ubezpieczenia) with a sworn translation. We know which insurers accept a foreign history and submit to them.

The Green Card extends your existing Polish OC for trips abroad. OC graniczne is separate, short-term Polish cover for a car on foreign (e.g. Ukrainian) plates that has no Green Card: from ~60 PLN a month, minimum 30 days. We will tell you which fits your case.

The vehicle registration (make, model, VIN, year), your passport and residence document, driver details (age, years). For a used-car purchase - the contract and the seller's policy. For a discount transfer - the foreign no-claims certificate with a sworn translation (we do it ourselves).