Car Insurance in Poland: Everything You Need to Know in 2025
Car insurance is a legal and financial necessity in most countries, and Poland is no exception. Whether you're a Polish resident, an expatriate living in Poland, or a foreigner planning to drive there temporarily, understanding the car insurance system in Poland is crucial. This article offers a comprehensive guide to car insurance in Poland, covering types of insurance, legal requirements, costs, providers, and tips for choosing the right policy.
1. Legal Requirements for Car Insurance in Poland
Third-Party Liability Insurance (OC)
In Poland, it is mandatory by law to have third-party liability insurance, known locally as OC (Odpowiedzialność Cywilna). This policy covers any damage you cause to others—both bodily injury and property damage. It does not cover damage to your own car.
Driving without OC insurance is illegal and comes with heavy fines, possible vehicle impoundment, and even legal action. The OC policy is tied to the vehicle, not the driver. That means if someone else drives your car and causes an accident, the insurance still covers the damage.
2. Optional Car Insurance Types in Poland
AC (Autocasco)
Autocasco is the equivalent of comprehensive insurance, which covers damage to your own vehicle due to accidents, theft, vandalism, or natural disasters like hail or flooding. Unlike OC, this insurance is optional.
Assistance (Assistance Services)
This type of policy offers roadside assistance, towing services, and sometimes even accommodation in case of a breakdown. It’s a useful addition, especially for long-distance drivers.
NNW (Personal Accident Insurance)
NNW covers personal injuries to the driver and passengers in the insured vehicle, regardless of who caused the accident. It often includes hospital costs, rehabilitation, and compensation for permanent injuries or death.
GAP Insurance
GAP insurance covers the difference between the actual cash value of a car and the amount still owed on a car loan or lease. This is especially useful for new vehicles.
3. Who Needs Car Insurance in Poland?
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Residents: Anyone owning a car registered in Poland must have OC insurance.
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Foreigners with EU cars: If you bring your car from another EU country for a short visit, your insurance from home is usually valid. But if you reside in Poland for longer than six months, you must re-register the car and get Polish insurance.
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Non-EU Visitors: If you are visiting from outside the EU, a Green Card or short-term Polish insurance may be required.
4. How to Get Car Insurance in Poland
1. Through an Insurance Agent or Broker
This is a common method, especially for expatriates who may need English-speaking support. Brokers compare multiple offers and handle the paperwork.
2. Online
Most major Polish insurers allow customers to buy and manage policies online. Some websites even offer insurance comparison tools where you can get quotes from multiple companies.
3. Directly at Insurance Offices
If you prefer face-to-face interaction or need assistance in Polish, you can visit physical offices of insurance companies.
5. Leading Car Insurance Providers in Poland (2025)
Some of the most popular and trusted car insurance companies in Poland include:
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PZU – The largest and oldest insurance company in Poland. Known for reliability and broad coverage.
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Warta – Offers customizable packages and competitive pricing.
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Allianz Polska – International brand with strong customer service and wide coverage.
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Compensa – Offers comprehensive insurance and is popular among both locals and expats.
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Link4 – Known for digital services and budget-friendly policies.
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AXA Ubezpieczenia – A well-known international insurer offering a full range of coverage options.
6. Cost of Car Insurance in Poland
The cost of car insurance in Poland depends on several factors:
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Driver’s age and experience
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Car’s make, model, and year
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Engine size and power
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Accident history
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City of registration (Urban areas like Warsaw or Krakow may have higher premiums)
On average, the annual OC insurance cost in Poland ranges from 500 to 1,500 PLN (around €110 to €330). Adding AC and other optional policies may raise the total to 2,000–3,500 PLN (€440–€770) per year.
7. Documents Required to Get Car Insurance in Poland
To purchase car insurance, you will typically need:
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Proof of identity (ID card or passport)
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Vehicle registration documents
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Driver’s license
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Previous insurance history (if any)
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Vehicle inspection certificate (if required)
Some insurers may ask for additional documentation based on your situation.
8. What Happens in Case of an Accident?
If you are involved in a traffic accident in Poland, follow these steps:
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Ensure safety and move vehicles to the side of the road if possible.
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Call emergency services (112) if anyone is injured.
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Document the scene, including photos, time, and conditions.
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Exchange information with the other driver(s).
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Fill out a damage report (European Accident Statement – “Wspólne oświadczenie o zdarzeniu drogowym”).
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Notify your insurer as soon as possible.
In the case of a major accident, it’s essential to involve the police, especially when the cause of the accident is disputed or if a foreign vehicle is involved.
9. Insurance Cancellation and Renewal
Car insurance policies in Poland typically last one year and auto-renew unless canceled in writing before the renewal date. If you sell your car, the insurance can be transferred to the new owner or canceled with proof of sale.
10. Tips for Choosing the Best Car Insurance in Poland
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Compare offers online to get the best price.
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Consider a higher deductible to reduce premiums.
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Bundle insurance (e.g., home and car) for discounts.
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Check claim reviews and customer service ratings.
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Ask about English-speaking support if you’re a foreigner.
Conclusion
Car insurance in Poland is not just a legal requirement; it's a crucial safeguard against financial loss and legal complications. Whether you're a local or a foreigner driving in Poland, understanding the car insurance system helps you stay protected, save money, and make informed decisions.
With a wide range of providers and policy types, there is plenty of flexibility in choosing the coverage that suits your needs. Always read the fine print, and when in doubt, consult with a broker to find the best solution for your driving lifestyle in Poland.