Car

Civil Liability Insurance

Civil liability insurance (OSAGO) is a mandatory insurance policy regulated by law, making it the most popular insurance product in Poland. From among the several dozen companies operating in our country, you can choose the one that offers you the best deal.

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A Car on the Road - Auto Liability Insurance

SHOP FOR LESS!

In our opinion, customers should choose the cheapest motor vehicle liability insurance (OS), since all policies work the same way.
However, you should pay special attention to the additional services that companies offer when you purchase an OC insurance policy and consider whether you need them. Until customers see tangible benefits from having a policy with a specific insurance company, the market will be driven by the lowest prices—and that is a natural and appropriate approach.

Discounts

How are discounts calculated?

Discounts are calculated based on the claim-free period during policy renewal. For each full year of coverage, we receive a certain amount of discount off the base rate. Most companies offer a 60% discount after six years of accident-free renewal, with the exception of PZU and Allianz, where you must drive without any claims for eight years under a valid policy to receive the full discount.

How can I increase my discount inventory quickly?

To reassure those with little driving experience, we’d like to note that an increasing number of companies are launching promotional offers for both individuals and businesses. At some insurance companies, two full years without an accident are enough to qualify for a 60% discount. That’s why it’s always worth checking out offers from multiple companies—because one of them might turn out to be significantly cheaper.

When will we lose the most?

The size of discounts and policy premiums is most heavily influenced by the damage we’ve caused in accidents. All such incidents are recorded with the UFG (Insurance Guarantee Fund) and affect pricing for up to 6 years after they are recorded. Insurance companies’ latest systems automatically analyze accident history and generate personalized quotes for customers.

Is it possible to protect your discounts?

Some insurance companies offer what is known as «discount insurance.» If we decide to purchase this type of coverage, which involves an additional premium, we can expect that, should we cause damage, the company with which we have a policy will not raise our premium for the following year due to the damage caused. However, this isn’t entirely guaranteed, because the system calculates premiums on a case-by-case basis, and we can never be certain that, had we had no accidents at all, the premium would have been lower. • Many people or companies own more than one vehicle, and if damage is reported on one vehicle, be aware that the premium for the following year may increase for every vehicle they own. For this reason, we recommend choosing a policy from a company that applies the «single-vehicle» rating principle to the selected vehicle. For example, if we have damage to car «X,» we lose discounts only for that car, and the terms for other vehicles remain unchanged compared to last year. Thus, each vehicle’s insurance history follows its own course and does not affect the other vehicles.

Additions

As we already know, OC insurance is a mandatory type of insurance, and its terms are the same across all insurance companies. In addition to price wars as a tool for attracting customers, insurance companies have begun offering additional insurance services that are bundled and cannot be declined, since they do not affect the cost of the policy. Here are the most popular ones:

ASSISTANCE Insurance in the Event of an Accident (in the Event of a Traffic Collision)

This insurance covers us in the event of a collision caused by our fault. We can then report the damage to our insurer, who, in accordance with the general terms and conditions, is obligated to assist us in towing the vehicle to the nearest repair center. This coverage has already become standard in the market and, in our opinion, is very beneficial for the customer.

Tire ASSISTANCE Insurance

This insurance is not standard, and only some insurance companies offer it; there are also companies where this option is available for an additional fee. This policy takes effect when you report the damage to the insurer if your tires are damaged. In accordance with the general terms and conditions, the insurer is obligated to arrange for assistance, which consists of repairing the damaged tire on-site or towing the vehicle to the nearest tire repair shop.

Have any questions? Give us a call

534 666 111 · We speak Russian