Insurance guide for foreigners and drivers in Poland
Practical articles on insurance in Poland — current rules and amounts for 2026.
Insurance articles
Why taxi OC is so expensive — and how to pay less
Quoted 9,000 zł+ for taxi OC on a Toyota Prius? Why prices are so high, what you must tell the insurer and how Bolt and Uber drivers can pay less.
ReadGuideFine for no car insurance (OC) in Poland in 2026 — and how to avoid it
The UFG fine for no OC in 2026 is up to 9,610 zł for a passenger car. Rates for all vehicles, common situations and what to do after a UFG demand.
ReadGuideNo-claims discounts from Ukraine and elsewhere — how to transfer your history
Do Ukrainian OC no-claims discounts transfer to a Polish policy? Which certificate, translation and insurers accept it — a 2026 guide.
ReadGuideHealth insurance for Ukrainians after 5 March 2026
What changed in NFZ for Ukrainian citizens from 5.03.2026? Who keeps free care, what voluntary NFZ costs (844.38 zł) and when to choose a private policy.
ReadGuidePolicy assignment to the bank — how to save on mortgage insurance
What a policy assignment (cesja) is, whether you must buy the bank's insurance, and how to choose cheaper building and life cover for a mortgage.
ReadQuestions and answers
01Are the articles up to date?
Yes, we update them when UFG and NFZ rates change.
- Ubezpieczeniowy Fundusz Gwarancyjny — kary za brak OC
- Ustawa o ubezpieczeniach obowiązkowych, UFG i PBUK (ISAP)
- NFZ — dobrowolne ubezpieczenie zdrowotne
- KNF — rejestr pośredników ubezpieczeniowych
- Rzecznik Finansowy — ubezpieczenia
- Rankomat.pl / Bezprawnik.pl — ceny OC, wrzesień 2026
- Prawo.pl — projekt przepisów o autach z tablicami spoza UE (UC95)
· Kostiantyn Soldatko, insurance agent, PolisaCenter
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.