+48 787 451 787
Car from abroad

Car insurance for foreigners and cars with foreign plates

Driving a car with Ukrainian or other foreign plates, or registered your car in Poland as a foreigner? We explain which OC you need and find an insurer that will count your history from abroad.

30 daysto register after import
30 daysmin. border insurance
27insurers to compare

Free insurance quote

Choose what to insure — we'll compare offers from several insurers and call back within 15 minutes.

In short
  • As of October 2026, re-registering a Ukrainian car is voluntary — the government is preparing a draft (UC95) with a 12-month limit for non-EU plates.
  • A car registered abroad needs valid OC from its country of registration recognised in Poland (Green Card) or border insurance.
  • A car imported permanently must be registered in Poland within 30 days — then you buy Polish OC.
  • An insurance history certificate from Ukraine or elsewhere (with sworn translation) can lower the price — TUZ, among others, accepts it.
  • Foreigners buy OC on the same terms as Poles — what matters is where the car is registered, not your nationality.

Car with foreign plates

Entering Poland you need OC valid in the EU: a Green Card from the country of registration, or border insurance bought at the border (minimum 30 days). Without it the police may retain the registration document and UFG may impose a fine.

Registering the car in Poland

If you live in Poland and imported a car, you have 30 days to register it at the vehicle registration office. Registration requires Polish OC — you can buy it on the VIN before getting plates.

Discounts from abroad

  • Ask your insurer for a no-claims history certificate for recent years.
  • Get a sworn translation into Polish.
  • Some insurers accept non-EU history — we'll check which apply to you.
  • The certificate also helps with AC.

Ukrainian plates while living in Poland

The rules for cars with Ukrainian plates have changed several times since 2022. Before buying a policy we'll check the current requirements and choose the right solution: Green Card, border insurance or Polish registration.

Draft rules for cars from Ukraine (October 2026)

  • Today: no time limit, re-registration is voluntary.
  • Draft UC95 by the Ministry of Infrastructure: a car on non-EU plates may be used in Poland for up to 12 months from entry.
  • Anyone applying for residence in Poland (temporary, permanent, EU long-term) — 30 days to register the car.
  • People already living in Poland — 60 days to re-register after the law takes effect (with a transition period).
  • Proposed fines: 500–2,000 zł. It's still a draft, not law — we follow the changes.
Insurers

We'll compare offers from these insurers

  • PZUPZU
  • WartaWarta
  • HDIHDI
  • AllianzAllianz
  • Ergo HestiaErgo Hestia
  • GeneraliGenerali
  • Generali AgroGenerali Agro
  • UNIQAUNIQA
  • MTUMTU
  • MTU24MTU24
  • ProamaProama
  • LINK4LINK4
  • CompensaCompensa
  • InterRiskInterRisk
  • Inter PolskaInter Polska
  • WienerWiener
  • TUZTUZ
  • TrastiTrasti
  • BalciaBalcia
  • BenefiaBenefia
  • Defend InsuranceDefend Insurance
  • Lloyd'sLloyd's
  • Nationale-NederlandenNationale-Nederlanden
  • PrudentialPrudential
  • Vienna LifeVienna Life
  • PrévoirPrévoir
  • SquarelifeSquarelife

Insurance application

Fill in the fields and add photos of your documents — we'll prepare offers.

Owner's details

Other co-owner's details

Documents

Registration certificate — page 1 *
    Registration certificate — page 2 *
      Driving licence — front *
        Driving licence — back (category dates) *
          Current policy / insurance history certificate (optional)
            Taxi licence / licence extract (optional)
              Car photos for AC: 4 sides + odometer (optional)
                Bank decision / bank requirements (optional)
                  Passport — photo page *
                    Residence card / visa / decision (optional)
                      Loan agreement (optional)
                        Travellers' passports *
                          Company documents (CEIDG/KRS, contracts) (optional)

                            Phone photo, JPG, PNG or PDF, up to 20 MB

                            Document photos go only to the agent — they're not stored on the website. We delete them after the contract is signed or after 30 days.

                            Legalizacja 24 · Konstantyn Wrocław group

                            Applying for a residence card?

                            Legalizacja 24 prepares the application and documents, and we provide the health policy the office requires.

                            FAQ

                            Questions and answers

                            01Can I drive in Poland on Ukrainian OC?

                            Yes, if you have a valid Green Card covering Poland. Standard Ukrainian OC without a Green Card isn't valid in Poland — you need border insurance.

                            02How long do I have to register a car in Poland?

                            30 days from import (for Polish residents). After that an administrative fine may apply.

                            03Do Ukrainian no-claims discounts carry over to Polish OC?

                            Not automatically. Some insurers accept a history certificate with a sworn translation and give a discount.

                            04Can a foreigner without a PESEL buy OC?

                            Often yes — using a passport or residence card number. We'll pick an insurer that accepts it.

                            05Can you insure a car with Ukrainian plates?

                            Yes — insurance for a car with Ukrainian plates: Green Card, border insurance or Polish OC after registration.

                            06Can I buy car insurance with a passport in Poland?

                            Often yes — car insurance with a passport or residence card, without PESEL.

                            Free consultation

                            Tell us what you want to insure

                            We'll call back within an hour on working days, in your language. No obligation.

                            Insurance agent (OWCA) — entered in the KNF register of insurance intermediaries, no. 11792213/P.

                            Free offer comparison

                            Leave your contact details — we'll prepare 2–3 policy options.