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

Car Insurance OC/AC — Price Comparison 2026

OC car insurance is mandatory in Poland and costs from 380 PLN per year. It protects against the financial consequences of damage caused to others. AC (comprehensive) is optional and protects your vehicle. The penalty for no OC is up to 7,400 PLN in 2026.

OC insurance is mandatory! The penalty for no OC on a passenger car is up to 7,400 PLN in 2026. Checks are carried out by the Insurance Guarantee Fund (UFG).

Compare car insurance from leading companies in Poland. OC prices can differ by as much as 100% between insurers — comparing offers can save you hundreds of zlotys per year.

OC/AC Insurance Comparison — kwiecień 2026

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OC vs. AC — What You Should Know

Feature	OC	AC
Mandatory?	Yes	No
What does it cover?	Third parties	Your vehicle
Price	from 380 PLN/year	from 800 PLN/year
Theft	No	Yes
Penalty for no cover	up to 7,400 PLN	No penalty

How to Save on Car Insurance?

Compare offers — differences between companies can reach up to 100%. Use online comparison tools.

Accumulate no-claims discounts — every claim-free year earns an extra discount (up to 60%). Transfer them between insurers.

Pay in a single lump sum — splitting the premium into instalments typically adds 5–10% to the cost.

Consider a higher AC excess — a higher own contribution reduces the AC premium by up to 20–30%.

Często zadawane pytania

What is the penalty for no OC insurance in 2026?

The penalty for no OC car insurance in 2026 is up to 7,400 PLN for more than 14 days without cover. For a period of 4–14 days the penalty is 3,700 PLN, and for up to 3 days — 1,480 PLN. Penalties are assessed by the Insurance Guarantee Fund (UFG).

What is the difference between OC and AC?

OC (third-party liability) is mandatory and covers damage caused to other road users. AC (comprehensive/collision) is optional and protects your own vehicle against theft, damage or destruction — regardless of fault.

How can I reduce the cost of car insurance?

Compare offers from several insurers, accumulate no-claims discounts (up to 60%), choose a higher excess on AC, pay in one lump sum instead of instalments, and consider dropping AC on older cars (over 10 years old).

When can I change my OC insurer?

Cancel your OC policy in writing no later than 1 day before the end of the insurance period. If you do not, the contract will renew automatically for another year. When buying a car you can cancel the previous owner's OC at any time.

Does AC cover car theft?

Yes, standard AC covers theft of the whole vehicle. Some AC policies also cover theft of parts (e.g. wheels, mirrors, catalytic converter). Check the detailed scope in the General Terms and Conditions of your insurer.