{"id":3822,"date":"2026-10-19T22:03:16","date_gmt":"2026-10-19T20:03:16","guid":{"rendered":"https:\/\/strahovanie.pl\/?p=3822"},"modified":"2026-10-19T22:04:11","modified_gmt":"2026-10-19T20:04:11","slug":"polisa-oc-przy-zakupie-uzywanego-samochodu","status":"publish","type":"post","link":"https:\/\/strahovanie.pl\/pl\/poradnik\/avtostrahovanie\/polis-oc-pri-pokupke-poderzhannogo-avtomobilya\/","title":{"rendered":"Kupili\u015bmy u\u017cywany samoch\u00f3d w Polsce: co dzieje si\u0119 z polis\u0105 OC sprzedawcy"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Kupili Pa\u0144stwo w Polsce u\u017cywany samoch\u00f3d, kt\u00f3ry jest ju\u017c zarejestrowany w tym kraju, i chc\u0105 Pa\u0144stwo dowiedzie\u0107 si\u0119, co dzieje si\u0119 z polis\u0105 OC sprzedawcy. Czy pozostaje ona przy samochodzie, czy wygasa, czy te\u017c trzeba j\u0105 ponownie wykupi\u0107? Odpowied\u017a udziela polski <strong>Ustawa o ubezpieczeniach obowi\u0105zkowych<\/strong>. Chodzi o umow\u0119 obowi\u0105zkowego ubezpieczenia od odpowiedzialno\u015bci cywilnej w\u0142a\u015bcicieli pojazd\u00f3w mechanicznych (OC posiadaczy pojazd\u00f3w mechanicznych); dalej b\u0119dziemy j\u0105 nazywa\u0107 po prostu \u00abumow\u0105 OC\u00bb. W artykule wyja\u015bniono, co ustawa m\u00f3wi o kupuj\u0105cym, co o sprzedaj\u0105cym oraz jakie terminy obowi\u0105zuj\u0105 po zawarciu transakcji.<\/p>\n\n\n<style>.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);background-color:var(--global-palette7, #EDF2F7);border-left:4px solid var(--global-palette2, #2B6CB0);}.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-contents-title-wrap{color:var(--global-palette3, #1A202C);}.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-contents-title{color:var(--global-palette3, #1A202C);font-size:18px;letter-spacing:1px;font-family:var( --global-heading-font-family, inherit );font-weight:600;font-style:normal;text-transform:uppercase;}.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-content-wrap .kb-table-of-content-list{color:var(--global-palette1, #3182CE);font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hover{color:var(--global-palette4, #2D3748);}.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:before{background-color:var(--global-palette7, #EDF2F7);}@media all and (max-width: 1024px){.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-content-wrap{border-left:4px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id3822_4279c2-ee .kb-table-of-content-wrap{border-left:4px solid var(--global-palette2, #2B6CB0);}}<\/style>\n\n\n<h2 class=\"wp-block-heading\" id=\"prava-i-obyazannosti-po-dogovoru-perehodyat-k-vam\">Prawa i obowi\u0105zki wynikaj\u0105ce z umowy przechodz\u0105 na Pa\u0144stwa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli sta\u0142e\u015b si\u0119 w\u0142a\u015bcicielem samochodu, kt\u00f3rego w\u0142a\u015bciciel zawar\u0142 umow\u0119 ubezpieczenia OC, to do ciebie <strong>przechodz\u0105 prawa i obowi\u0105zki poprzedniego w\u0142a\u015bciciela<\/strong>, wynikaj\u0105ce z tej umowy (art. 31 ust. 1 ustawy o ubezpieczeniu obowi\u0105zkowym).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Okres obowi\u0105zywania umowy nie ulega przy tym automatycznemu przed\u0142u\u017ceniu. Umowa wygasa <strong>po up\u0142ywie okresu, na kt\u00f3ry zosta\u0142a zawarta<\/strong>, o ile nie wypowiedz\u0105 Pa\u0144stwo umowy na pi\u015bmie. Przepisy dotycz\u0105ce automatycznego przed\u0142u\u017cenia umowy (art. 28 ustawy o ubezpieczeniu obowi\u0105zkowym) nie maj\u0105 w tym przypadku zastosowania (art. 31 ust. 1).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kak-rastorgnut-polis-prodavtsa\">Jak rozwi\u0105za\u0107 umow\u0119 ubezpieczeniow\u0105 sprzedawcy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa uprawnia nabywc\u0119 do <strong>rozwi\u0105za\u0107 umow\u0119 poprzez pisemne wypowiedzenie<\/strong> (art. 31 ust. 1). Umowa wygasa w dniu wskazanym w o\u015bwiadczeniu o wypowiedzeniu, a je\u015bli data nie zosta\u0142a wskazana \u2014 w dniu samego wypowiedzenia (z dniem wypowiedzenia). Wskazany dzie\u0144 nie mo\u017ce przypada\u0107 przed dniem z\u0142o\u017cenia o\u015bwiadczenia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wz\u00f3r \u00abWypowiedzenie polisy OC\u00bb oraz wz\u00f3r umowy kupna-sprzeda\u017cy pojazdu znajduj\u0105 si\u0119 na stronie <a href=\"\/pl\/do-pobrania\/\">pobra\u0144<\/a>. Umowa kupna-sprzeda\u017cy w j\u0119zyku polskim oraz jej wersja polsko-niemiecka s\u0105 r\u00f3wnie\u017c dost\u0119pne na stronie <a href=\"\/pl\/umowy-kupna-sprzedazy\/\">um\u00f3w kupna-sprzeda\u017cy<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli rozwi\u0105zali Pa\u0144stwo umow\u0119 w sytuacji opisanej powy\u017cej, s\u0105 Pa\u0144stwo zobowi\u0105zani do <strong>zawrze\u0107 now\u0105 umow\u0119 ubezpieczenia OC nie p\u00f3\u017aniej ni\u017c w dniu, w kt\u00f3rym wygasa rozwi\u0105zana umowa<\/strong> (art. 31 ust. 6).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"chto-budet-esli-dogovor-ne-rastorgat\">Co si\u0119 stanie, je\u015bli umowa nie zostanie rozwi\u0105zana?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli nie rozwi\u0105zali Pa\u0144stwo umowy, firma ubezpieczeniowa (zak\u0142ad ubezpiecze\u0144) <strong>mo\u017ce przeliczy\u0107 sk\u0142adk\u0119 ubezpieczeniow\u0105 (sk\u0142adka)<\/strong> pocz\u0105wszy od dnia przej\u015bcia prawa w\u0142asno\u015bci do pojazdu. Przy obliczaniu uwzgl\u0119dnia si\u0119 zni\u017cki przys\u0142uguj\u0105ce Pa\u0144stwu jako nowemu w\u0142a\u015bcicielowi oraz dop\u0142aty, kt\u00f3re Pa\u0144stwa dotycz\u0105, w ramach obowi\u0105zuj\u0105cego cennika (art. 31 ust. 2).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli samodzielnie z\u0142o\u017cysz wniosek o ponowne obliczenie, firma ubezpieczeniowa <strong>jest zobowi\u0105zana<\/strong> przeliczy\u0107 sk\u0142adk\u0119 za okres od dnia przej\u015bcia prawa w\u0142asno\u015bci. W celu dokonania przeliczenia nabywca ma obowi\u0105zek poinformowa\u0107 towarzystwo ubezpieczeniowe o wszystkich znanych mu okoliczno\u015bciach, kt\u00f3rych ujawnienie jest niezb\u0119dne do obliczenia (art. 31 ust. 2).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Szczeg\u00f3\u0142owe warunki umowy zawartej z konkretn\u0105 firm\u0105 ubezpieczeniow\u0105 s\u0105 opisane w jej dokumentach, w tym w\u00a0<a href=\"\/pl\/poradnik\/porady-dotyczace-ubezpieczen\/ogolne-warunki-ubezpieczenia-owu\/\">og\u00f3lnych warunkach ubezpieczenia<\/a> (og\u00f3lne warunki ubezpieczenia, OWU). Konsultant pomo\u017ce Pa\u0144stwu por\u00f3wna\u0107 te dokumenty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"avtomobil-bez-polisa-u-prezhnego-vladeltsa\">Samoch\u00f3d, kt\u00f3ry nie by\u0142 obj\u0119ty polis\u0105 ubezpieczeniow\u0105 przez poprzedniego w\u0142a\u015bciciela<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa przewiduje r\u00f3wnie\u017c inn\u0105 sytuacj\u0119: pojazd jest zarejestrowany, ale jego w\u0142a\u015bciciel, wbrew obowi\u0105zuj\u0105cym przepisom, nie zawar\u0142 umowy ubezpieczenia OC. W\u00f3wczas nabywca, na kt\u00f3rego przesz\u0142o prawo w\u0142asno\u015bci, <strong>jest zobowi\u0105zany do zawarcia umowy ubezpieczenia OC w dniu przej\u015bcia prawa w\u0142asno\u015bci<\/strong>, ale nie p\u00f3\u017aniej ni\u017c w momencie, gdy pojazd rusza (art. 31 ust. 3).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nowa umowa OC jest potrzebna zar\u00f3wno po wyga\u015bni\u0119ciu polisy sprzedawcy, jak i w przypadku, gdy polisa nie zosta\u0142a zawarta. Jej koszt mo\u017cna oszacowa\u0107, wype\u0142niaj\u0105c formularz na stronie <a href=\"\/pl\/kalkulator\/samochod\/\">kalkulator ubezpieczenia samochodu<\/a>: nale\u017cy w niej poda\u0107 numer rejestracyjny pojazdu oraz numer PESEL, a nast\u0119pnie klikn\u0105\u0107 przycisk \u201eOblicz sk\u0142adk\u0119\u201d; formularz s\u0142u\u017cy do wyceny ubezpieczenia OC i AC. Na temat obowi\u0105zkowego ubezpieczenia OC znajduje si\u0119 r\u00f3wnie\u017c osobna strona po\u015bwi\u0119cona\u00a0<a href=\"\/pl\/samochod\/ubezpieczenie-od-odpowiedzialnosci-cywilnej\/\">ubezpieczenie od odpowiedzialno\u015bci cywilnej<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"chto-obyazan-sdelat-prodavets\">Co musi zrobi\u0107 sprzedawca<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">W\u0142a\u015bciciel, kt\u00f3ry przeni\u00f3s\u0142 prawo w\u0142asno\u015bci do pojazdu, ma obowi\u0105zek wykona\u0107 dwie czynno\u015bci (art. 32 ust. 1 ustawy o ubezpieczeniu obowi\u0105zkowym):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>przekaza\u0107 Pa\u0144stwu potwierdzenie zawarcia umowy OC;<\/strong><\/li>\n\n<li><strong>powiadomi\u0107 na pi\u015bmie firm\u0119 ubezpieczeniow\u0105 w ci\u0105gu 14 dni<\/strong> od dnia przej\u015bcia prawa w\u0142asno\u015bci, informuj\u0105ce o przeniesieniu prawa w\u0142asno\u015bci oraz zawieraj\u0105ce Pa\u0144stwa dane.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">W zawiadomieniu nale\u017cy poda\u0107 imi\u0119, nazwisko, adres zamieszkania oraz numer PESEL, o ile zosta\u0142 nadany, albo nazw\u0119, siedzib\u0119 i numer REGON (art. 32 ust. 2). Zgodnie z tym samym artyku\u0142em skutki wyrz\u0105dzenia szkody po dniu przej\u015bcia prawa w\u0142asno\u015bci <strong>nie obci\u0105\u017caj\u0105 sprzedawcy<\/strong> (art. 32 ust. 3).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kto-otvechaet-za-strahovoy-vznos\">Kto ponosi odpowiedzialno\u015b\u0107 za sk\u0142adk\u0119 ubezpieczeniow\u0105?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kupuj\u0105cy ponosi odpowiedzialno\u015b\u0107 wobec firmy ubezpieczeniowej za uiszczenie sk\u0142adki nale\u017cnej za okres <strong>od dnia, w kt\u00f3rym prawo w\u0142asno\u015bci przesz\u0142o na niego<\/strong> (art. 32 ust. 4).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sprzedawca odpowiada <strong>solidarnie<\/strong> z nabywc\u0105 za sk\u0142adk\u0119 za okres od dnia przej\u015bcia prawa w\u0142asno\u015bci do dnia, w kt\u00f3rym poinformowa\u0142 on firm\u0119 ubezpieczeniow\u0105 o sprzeda\u017cy oraz o danych nabywcy (art. 32 ust. 4 i ust. 1).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sroki-posle-pokupki-registratsiya-i-starosta\">Kroki po zakupie: rejestracja i starosta<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa o ruchu drogowym (Prawo o ruchu drogowym) nak\u0142ada na w\u0142a\u015bciciela pojazdu obowi\u0105zek z\u0142o\u017cenia <strong>wniosek o jego rejestracj\u0119 w ci\u0105gu 30 dni<\/strong> od dnia nabycia pojazdu na terytorium Polski (art. 73aa ust. 1 pkt 1).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ta sama ustawa nak\u0142ada r\u00f3wnie\u017c obowi\u0105zki na poprzedniego w\u0142a\u015bciciela. W przypadku przeniesienia prawa w\u0142asno\u015bci do zarejestrowanego pojazdu, on <strong>przekazuje nowemu w\u0142a\u015bcicielowi \u015bwiadectwo rejestracji<\/strong> (dow\u00f3d rejestracyjny), a tak\u017ce za\u015bwiadczenie o przeprowadzonym badaniu technicznym, je\u017celi w dowodzie nie podano aktualnego terminu wa\u017cno\u015bci badania technicznego (art. 78 ust. 1).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ponadto w\u0142a\u015bciciel samochodu zarejestrowanego w Polsce ma obowi\u0105zek <strong>powiadomi\u0107 starost\u0119 o sprzeda\u017cy w terminie nieprzekraczaj\u0105cym 30 dni<\/strong> (art. 78 ust. 2 pkt 1). Osoba fizyczna sk\u0142ada zawiadomienie do so\u0142tysa w miejscu zamieszkania lub tymczasowego pobytu (art. 78 ust. 2a).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"chasto-zadavaemye-voprosy\">Cz\u0119sto zadawane pytania<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Czy nabywca ma obowi\u0105zek wypowiedzie\u0107 umow\u0119 ubezpieczenia poprzedniego w\u0142a\u015bciciela?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nie, prawo nie nak\u0142ada takiego obowi\u0105zku. Je\u015bli nabywca nie rozwi\u0105\u017ce umowy na pi\u015bmie, umowa wyga\u015bnie z up\u0142ywem terminu, na jaki zosta\u0142a zawarta przez sprzedaj\u0105cego (art. 31 ust. 1). W takim przypadku firma ubezpieczeniowa mo\u017ce ponownie obliczy\u0107 sk\u0142adk\u0119 z uwzgl\u0119dnieniem zni\u017cek i dop\u0142at przys\u0142uguj\u0105cych nowemu w\u0142a\u015bcicielowi (ust. 2).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">W jakim terminie sprzedaj\u0105cy ma obowi\u0105zek poinformowa\u0107 o sprzeda\u017cy?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Towarzystwu ubezpieczeniowemu \u2014 na pi\u015bmie, w terminie 14 dni od dnia przej\u015bcia prawa w\u0142asno\u015bci (art. 32 ust. 1 ustawy o ubezpieczeniu obowi\u0105zkowym). So\u0142tysowi \u2013 w terminie nieprzekraczaj\u0105cym 30 dni (art. 78 ust. 2 ustawy o ruchu drogowym).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kto ponosi odpowiedzialno\u015b\u0107 za op\u0142at\u0119 w okresie, w kt\u00f3rym sprzedawca nie powiadomi\u0142 firmy ubezpieczeniowej?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Za ten okres odpowiedzialno\u015b\u0107 ponosz\u0105 obie strony: kupuj\u0105cy \u2013 jako nowy w\u0142a\u015bciciel, a sprzedaj\u0105cy \u2013 solidarnie z nim do dnia, w kt\u00f3rym powiadomi\u0142 firm\u0119 ubezpieczeniow\u0105 o sprzeda\u017cy (art. 32 ust. 4).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ile czasu mam na zarejestrowanie zakupionego samochodu?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ustawa o ruchu drogowym przewiduje 30 dni od dnia nabycia pojazdu w Polsce na z\u0142o\u017cenie wniosku o rejestracj\u0119 (art. 73aa ust. 1 pkt 1). Wniosek powinien z\u0142o\u017cy\u0107 nowy w\u0142a\u015bciciel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u015bli potrzebujesz nowej umowy ubezpieczenia OC, konsultanci Polisarium pomog\u0105 Ci por\u00f3wna\u0107 oferty firm ubezpieczeniowych. Dane kontaktowe i adresy biur w Warszawie znajdziesz na stronie <a href=\"\/pl\/kontakt\/\">kontakty<\/a>, a przez telefon <strong>534\u00a0666\u00a0111<\/strong> rozmawiamy po rosyjsku.<\/p>","protected":false},"excerpt":{"rendered":"<p>Co m\u00f3wi polskie prawo na temat polisy OC poprzedniego w\u0142a\u015bciciela: przeniesienie praw, rozwi\u0105zanie umowy, przeliczenie sk\u0142adki, obowi\u0105zki sprzedawcy oraz terminy po zakupie.<\/p>","protected":false},"author":1,"featured_media":3821,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[11],"tags":[17,18,19],"class_list":["post-3822","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avtostrahovanie","tag-dogovory","tag-zhizn-v-polshe","tag-strahovoy-vznos"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u041f\u043e\u043b\u0438\u0441 OC \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0435 \u043f\u043e\u0434\u0435\u0440\u0436\u0430\u043d\u043d\u043e\u0433\u043e \u0430\u0432\u0442\u043e - Polisarium<\/title>\n<meta name=\"description\" content=\"\ud83d\ude97 \u041a\u0443\u043f\u0438\u043b\u0438 \u043f\u043e\u0434\u0435\u0440\u0436\u0430\u043d\u043d\u044b\u0439 \u0430\u0432\u0442\u043e\u043c\u043e\u0431\u0438\u043b\u044c \u0432 \u041f\u043e\u043b\u044c\u0448\u0435? 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