Compare OC and AC car insurance prices in Poland
OC is compulsory third-party liability insurance for every car registered in Poland. The same policy for the same car can differ in price by several hundred złoty – compare offers from many insurers at once.
Prepare your details
Registration certificate, the owner’s PESEL and the date you got your driving licence. With these, the calculator takes a few minutes.
Compare before your policy ends
Ideally 2–3 weeks before. The cancellation of the old policy must reach the insurer by the day before it ends.
Look beyond the price
Compare sums insured, assistance, a replacement car and the AC excess. The cheapest offer isn’t always the best.
The online calculator usually asks for a PESEL number. If you don’t have one, contact an insurer or insurance agent directly – OC can be bought without a PESEL, but not always online.
Don’t go without OC for a single day
For a passenger car without OC, the Insurance Guarantee Fund (UFG) charges in 2026: 1,920 zł for a 1–3 day gap, 4,810 zł for 4–14 days and 9,610 zł for more than 14 days. Buy the new policy so it starts the day after the old one ends.
Frequently asked questions about OC
Does an OC policy renew automatically?
Yes. If you don’t cancel it by the day before the end of the term, OC renews for another 12 months – often at a higher price. The exception is a policy taken over with a car you bought: that one doesn’t renew itself.
What do I need for the OC calculator?
The car’s registration certificate (vehicle data), the owner’s PESEL and the date you got your driving licence. Information about your claims history from previous policies also helps.
How much does having no OC cost?
For a passenger car, UFG charges in 2026: 1,920 zł for a 1–3 day gap, 4,810 zł for 4–14 days and 9,610 zł for more than 14 days without OC.
Is my foreign car insurance valid in Poland?
A car with foreign plates needs a valid Green Card or insurance recognised in the EU. Once the car is registered in Poland, you need a Polish OC policy – by the day of registration at the latest.
Check how much you’ll pay for OC this year
Comparing is free and doesn’t commit you to anything.
For information only. MotoRaport is not an insurance intermediary and doesn’t advise on choosing a policy – you sign the contract directly with the insurer.