Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Redakcja Kreddo.pl

Insurance — Compare Offers 2026

Insurance is a contract in which an insurance company agrees to pay compensation in the event of an unexpected loss, in exchange for a premium. In Poland, car OC (third-party liability) is mandatory. Comparing offers can save you up to 50% on your premium.

Compare insurance from leading companies in Poland. Our comparisons take into account the scope of cover, premium prices, claims payout terms and customer reviews. Choose the insurance that suits your needs.

Types of Insurance

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Car Insurance OC/AC

Mandatory OC and optional AC. Compare prices from 12 insurance companies. Penalty for no OC: 7,400 PLN.

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Life Insurance

Financial protection for your family in case of death, illness or accident. Policies from 30 PLN/month.

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Home Insurance

Property protection against fire, flooding, theft. Required with a mortgage loan.

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Travel Insurance

Protection abroad — medical costs, luggage, liability. From 2 PLN/day.

How to Choose the Right Insurance?

Choosing the right insurance requires analysing several key factors:

1. Define your needs — think about what you want to insure and what risks you want to protect against. Insurance should cover real threats.

2. Compare offers — premium prices can differ by as much as 50% between companies. Compare not just the price, but above all the scope of cover.

3. Check the exclusions — every policy has a list of situations in which no compensation will be paid. Read the General Terms and Conditions (GTC).

4. Pay attention to the sum insured — this is the maximum amount the insurer will pay out. A sum that is too low means insufficient protection.

Mandatory Insurance in Poland

Polish law requires the following insurance policies:

OC for vehicle owners — mandatory for every registered vehicle. The penalty for no OC is up to 7,400 PLN in 2026.
OC for farmers — mandatory for owners of agricultural holdings larger than 1 hectare.
Agricultural building insurance — mandatory against fire and other natural perils.
Home insurance — required by the bank when taking out a mortgage (assignment to the bank).

Często zadawane pytania

What insurance is mandatory in Poland?

In Poland the following are mandatory: third-party liability insurance (OC) for motor vehicle owners, OC for farmers, and fire insurance for agricultural buildings. Home insurance is only mandatory when taking out a mortgage.

How much does car insurance cost?

OC insurance costs between 400 and 2,500 PLN per year, depending on the car brand, driver age and claims history. AC (comprehensive) costs an additional 800–5,000 PLN per year. It is best to compare offers from several insurers.

Is life insurance necessary?

Life insurance is especially important if you have a family, a mortgage loan, or are the sole breadwinner. In the event of death or serious illness, the policy provides financial security for your loved ones.

How should I compare insurance offers?

Pay attention to: scope of cover (what is and is not included), the sum insured, the excess/deductible amount, the annual premium, and customer reviews regarding claims handling at that insurer.

Can I change my insurer mid-contract?

You can cancel an OC policy at the end of the insurance period (no later than 1 day before expiry). Voluntary insurances (AC, life, home) can be cancelled in accordance with the contract terms, usually with a notice period.