Motor insurance renewal in Poland
Motor insurance (OC/AC) in Poland typically renews automatically unless a notice of termination is submitted by the policyholder. Policyholders usually receive renewal offers from their current insurer or can choose to compare offers from different providers before their existing policy expires.
Most insurers send renewal offers or reminders approximately 30 days before the current policy's expiry date. It is advisable for policyholders to review these offers and decide on their next steps well in advance to ensure continuous coverage, as driving without valid motor insurance is illegal and incurs significant penalties.
Start 30 days ahead
Insurers typically send renewal proposals about 30 days prior to expiry, giving policyholders time to compare offers or decide to terminate and switch providers.
The process
- 1Receive a renewal offer from the current insurance provider, usually 30 days before the policy's expiry date.
- 2Review the renewal offer, including the new premium and policy terms.
- 3Optionally, compare offers from other insurance companies using online comparison tools or by contacting agents directly.
- 4If satisfied with the current insurer's offer and no termination notice is submitted, the policy will generally renew automatically (for OC policies).
- 5If opting for a new insurer, sign a new policy agreement with the chosen provider.
- 6If terminating the current policy to switch insurers, submit a written notice of termination to the current insurer by the specified deadline, typically at least one day before the current policy expires, to prevent automatic renewal.
- 7Ensure payment for the new policy or renewed policy is made by the due date to maintain continuous coverage.
What to bring
- Current insurance policy document
- Vehicle registration document (dowód rejestracyjny)
- Identity document (dowód osobisty)
Who handles it
Insurance companies operating in Poland, supervised by the Komisja Nadzoru Finansowego (Financial Supervision Authority). The Ubezpieczeniowy Fundusz Gwarancyjny (Insurance Guarantee Fund) is responsible for ensuring compliance and compensating victims of uninsured drivers.
https://www.ufg.pl/infoportal/index.jsp?lang=pl
The cost of motor insurance varies significantly based on factors such as the vehicle type, engine size, driver's age and driving history, and chosen coverage options (e.g., OC, AC, Assistance). Premiums are determined by individual insurance companies. The final premium will be provided in the renewal offer or new policy quotation.
What commonly goes wrong
- Automatic renewal: Mandatory Third-Party Liability (OC) insurance in Poland often renews automatically if not terminated in writing by the policyholder. Be aware of the termination deadline if planning to switch insurers.
- Gaps in coverage: Ensure there is no period without valid insurance, as driving an uninsured vehicle can lead to substantial fines.
- Comparing offers: Premiums can vary significantly between insurers, so comparing multiple offers before renewal is often beneficial.
- Termination deadlines: If terminating an existing policy to switch insurers, ensure the written termination notice is submitted to the current insurer according to their terms and statutory deadlines to avoid automatic renewal or being liable for two policies.
Sources
Other documents in Poland
Motor insurance renewal in other countries
Often renewed together
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