In short
- From 1.01.2027 the fine for an uninsured passenger car rises to 9,900 zł (minimum wage 4,950 zł).
- Passenger car: 1,920 / 4,810 / 9,610 zł depending on the gap.
- The fine is based on registration alone — driving doesn't matter.
- Most common cause: cancelling the previous owner's policy after buying a car.
- An accident without OC means UFG recourse — repaying the whole compensation.
How the fine is calculated
The fine is tied to the minimum wage (4,806 zł in 2026). For a passenger car it's 2× the minimum wage for a gap over 14 days, 50% for 4–14 days and 20% for 1–3 days (rounded to 10 zł).
Common situations
- You bought a car and cancelled the previous owner's policy but didn't buy a new one.
- You missed an instalment and the insurer ended the contract.
- An imported car was registered without Polish OC.
- The car is unused but still registered.
How to stay safe
Set a reminder for your policy end date, or leave us your number — we'll remind you and compare prices before renewal.
| Vehicle | 1–3 days | 4–14 days | over 14 days |
|---|---|---|---|
| Passenger cars | 1,920 zł | 4,810 zł | 9,610 zł |
| Trucks, tractors, buses | 2,880 zł | 7,210 zł | 14,420 zł |
| Other (motorcycles, trailers) | 320 zł | 800 zł | 1,600 zł |
Source: UFG; 2026 minimum wage 4,806 zł (Council of Ministers regulation of 11.09.2025).