Car insurance
Motor third party insurance
Mandatory insurance for every driver. We compare offers 21 companies and we'll find you the cheapest policy—for free, in just 3 minutes.
✓ Legally required ✓ 21 companies ✓ Get a Quote in 3 Minutes
What You Should Know
Third-Party Liability Insurance at a Glance
A mandatory insurance policy whose terms and conditions are governed by law—and are identical across all insurance companies.
Required
Every vehicle traveling on public roads must have valid liability insurance.
Protects others
It covers damages incurred by victims as a result of a collision or accident.
Penalty for failure to
Driving without liability insurance results in heavy fines from the UFG and liability for damages.
Valid for 12 months
The policy is valid for one year—be sure to renew it or switch insurance companies.
Key Points
One insurance policy every car owner must have
Liability insurance is a fundamental part of every driver’s coverage—a mandatory policy required by law that covers the costs of damage caused by your vehicle to other road users.
Since the terms of liability insurance are identical across all insurers, the choice comes down primarily to price and the included benefits. From among dozens of insurers, we select the offer that is truly the most advantageous for you.
At a Glance
Discounts on liability insurance policies
Everything You Need to Know About Discounts—No Fine Print
The amount of your premium depends mainly on your claims-free history. Here's what you really need to know.
How are discounts calculated?
For every full year without a claim, your discount on the base rate increases. Most insurance companies offer 60% After Just 6 Years – Exceptions include, among others, PZU and Allianz (full discount after 8 years).
How can I pay my premium faster?
More and more companies are offering promotional deals—in some 60%: You'll start receiving discounts after just 2 years. That's why it's always a good idea to compare offers from multiple insurers.
When do we lose the most?
Claims have the greatest impact on the premium. They are recorded in UFG and charge fees for up to 6 years – TU systems analyze this history automatically.
Is it possible to keep the discounts?
Some insurance companies also offer paid options „discount insurance”. If you have multiple vehicles, also keep in mind the “single-policy” rule—a claim on one car does not reduce the discounts on the others.
Coverage Add-ons to the Liability Insurance Policy
What else do you get as standard?
The terms of the liability insurance itself are the same everywhere, but insurance companies offer additional services that can really come in handy on the road.
Accident Assistance
After a collision caused by you, the insurance company arranges for the car to be towed to the nearest repair shop. Today, this is standard practice in the industry.
Tire Assistance
On-site repair of a flat tire or towing to a tire repair shop. Not available everywhere as standard—we’ll check where you can get it.
Do you need liability insurance? i AC? Comprehensive insurance package and AC It offers comprehensive vehicle coverage at a lower price and with less paperwork. View the liability and comprehensive insurance package →
Insurance Companies' Offers
Check the liability insurance policy with a specific insurance company
Compare what each company offers for liability insurance.
Compare 21 auto liability insurance quotes in 3 minutes
Enter your license plate number and PESEL number—the calculator will compare premiums from all insurance companies and show you the cheapest option.
or call an advisor
22 299 11 11
Do you have any questions?
We'll help you choose the best liability insurance
Our advisors will guide you through the entire process—from comparing offers to signing the contract. Free of charge and with no obligation.
Mon.–Fri. 8:00 a.m.–6:00 p.m.
Polish
English
Ukrainian
Spanish
Turkish
Russian
Vietnamese
Indonesian