{"id":5150,"date":"2026-07-23T10:26:35","date_gmt":"2026-07-23T08:26:35","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/oc-przez-internet-czy-stacjonarnie-w-2026\/"},"modified":"2026-09-14T12:46:46","modified_gmt":"2026-09-14T10:46:46","slug":"online-or-in-person-in-2026","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/","title":{"rendered":"Will auto liability insurance be purchased online or in person in 2026?"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Purchasing Liability Insurance<\/strong> It\u2019s a choice between purchasing a policy online and speaking with an agent at a branch. In 2026, both methods are legal, convenient, and can lead to the same compulsory motor vehicle liability insurance policy. The main differences lie in how you compare offers, the support provided by an advisor, and the speed of the purchase. In this article, we explain whether it\u2019s better to purchase liability insurance online or in person, how to buy liability insurance online step by step, when it\u2019s worth choosing an agent, and what to look for when comparing quotes in 2026.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"Table of Contents\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">Table of Contents<\/h4>\n<ol>\n<li><a href=\"#czym-jest-zakup-oc\">What is the difference between purchasing liability insurance online and in person?<\/a><\/li>\n<li><a href=\"#zalety-oc-online\">When is the best time to buy liability insurance online?<\/a><\/li>\n<li><a href=\"#kiedy-agent-ma-przewage\">When does an agent have the upper hand?<\/a><\/li>\n<li><a href=\"#jak-porownac-oferty-2026\">How can you compare offers in 2026?<\/a><\/li>\n<li><a href=\"#faq\">Frequently Asked Questions<\/a><\/li>\n<li><a href=\"#podsumowanie\">Summary<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-zakup-oc\" class=\"kt-adv-heading\">What is the difference between purchasing liability insurance online and in person?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Purchasing liability insurance online involves filling out a form, comparing offers, accepting the terms and conditions, and paying the premium online. The contract is concluded upon acceptance of the offer presented by the insurer or an authorized agent operating online. The policy is then delivered electronically. From a legal and insurance coverage standpoint, such a contract is just as valid as a policy issued at an office.<\/p>\n<p>In-person purchases are organized differently, but they lead to the same goal. The customer meets with an agent, provides the vehicle and owner information, discusses the coverage, and then accepts the offer. This method can be convenient for people who prefer to ask more questions or have an unusual situation. If you want to get the basics straight first, check out the section <a href=\"https:\/\/polisarium.pl\/en\/guide\/how-to-buy-oc\/\">How to Buy Liability Insurance<\/a> on the Polisarium website.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Tip<\/h4>\n<p class=\"kt-blocks-info-box-text\">The place of purchase alone does not determine the quality of liability insurance. The most important factors are accurate information, the effective date of coverage, the price, and the availability of post-purchase assistance.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"zalety-oc-online\" class=\"kt-adv-heading\">When is the best time to buy liability insurance online?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Should you buy auto liability insurance online or in person? For many drivers in 2026, the online option will be better, especially when time is of the essence. You can fill out the form at any time, without having to visit a branch or wait for the office to open. This is a convenient solution for people who are renewing their policy, know their needs, and want to quickly compare several premium options.<\/p>\n<p>The second advantage is that it\u2019s easy to compare prices. Online, you can quickly see how the premium changes after updating vehicle details, co-owner information, or the payment method. In practice, it\u2019s also easier to keep track of documents, since confirmations, the General Terms and Conditions, and the policy are sent via email. For many people, the answer to the question of how to buy liability insurance online boils down to three steps: entering your information, accepting the offer, and making the payment.<\/p>\n<p>This option is especially convenient if you\u2019re buying a policy at the last minute or live outside the city center. When searching for \u201ccar insurance Warsaw online,\u201d you can avoid commuting and looking for parking. If you want to compare the available car insurance options, you can also go to <a href=\"https:\/\/polisarium.pl\/en\/calculator\/car\/\">car calculator<\/a>.<\/p>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>The advantage of time:<\/strong> Purchases can be made in the evening, on weekends, and on holidays.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>The advantage of comparison:<\/strong> It's easier to compare several offers and payment plans.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Advantages of the documents:<\/strong> The policy and terms and conditions are sent to your email immediately.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>The advantage of convenience:<\/strong> without having to visit the office or print out any documents.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"kiedy-agent-ma-przewage\" class=\"kt-adv-heading\">When does an agent have the upper hand?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>The question of whether to purchase liability insurance through an agent or online most often arises when the customer\u2019s situation is not standard. An agent can be helpful when taking out insurance for the first time, purchasing a used car, changing ownership, dealing with joint ownership, leasing, or dealing with a gap in coverage. In such cases, speaking with an advisor can reduce the risk of errors in the application, and incorrect information can later lead to a premium recalculation.<\/p>\n<p>A face-to-face meeting also provides more opportunity to explain the differences between the various offers. It\u2019s not just about mandatory liability insurance\u2014since its basic coverage is mandated by law\u2014but about add-ons, payment methods, policy renewal, reminders, and post-purchase service. For some customers, it\u2019s also important that they can immediately discuss other products, such as <a href=\"https:\/\/polisarium.pl\/en\/home-insurance-online-comparison-tool\/\">online home insurance<\/a> or a life insurance policy.<\/p>\n<p>In a large city like Warsaw, an agent\u2019s advantage may lie in the ability to provide a quick face-to-face consultation. This is especially true for older adults, busy businesspeople, or clients who want a dedicated point of contact. If you\u2019d prefer to meet in person at the office, be sure to check out the available <a href=\"https:\/\/polisarium.pl\/en\/contact\/warsaw-mokotow-wiktorska-branch\/\">branches in Warsaw<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Important<\/h4>\n<p class=\"kt-blocks-info-box-text\">An in-person agent doesn't always mean a more expensive policy, and buying online doesn't always mean the lowest price. The result depends primarily on the driver's information, claims history, and the vehicle's specifications.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-porownac-oferty-2026\" class=\"kt-adv-heading\">How can you compare offers in 2026?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>If you\u2019re wondering which 2026 liability insurance policy to choose, don\u2019t start by looking at the price alone. First, make sure you\u2019re comparing quotes based on identical vehicle and owner information. Differences in mileage, where the car is used, or its claims history can significantly affect the premium. Next, pay attention to the coverage start date, the payment method, and whether the quote is for basic liability coverage alone or a package with additional coverage.<\/p>\n<p>It\u2019s also worth evaluating the ease of use. Some people prefer full online self-service, while others prefer to work with an advisor. In 2026, a sensible choice is one that combines accurate information, a good price, and a simple post-purchase process. A short checklist can be helpful when comparing offers:<\/p>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Scope of services:<\/strong> Just liability insurance or a package with add-ons.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Term of protection:<\/strong> When does the policy take effect?.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Purchase method:<\/strong> on your own or with the help of an advisor.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Payment:<\/strong> in a single payment or in installments.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Post-purchase support:<\/strong> Contact, reminders, and policy changes.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>A good approach is to start with an online quote and then consult with an agent if you have any doubts about the result. This model combines the advantages of both channels. As a result, the question of whether to purchase liability insurance online or in person doesn\u2019t have to have a single answer for all drivers.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">Frequently Asked Questions<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>Is car insurance purchased online just as valid as insurance bought from an agent?<\/h3>\n<p>Yes, a liability insurance policy purchased online is just as valid as one purchased in person. What matters is that the contract is validly concluded and the premium is paid in accordance with the terms of the offer. The document may be in electronic form and still serves as proof of coverage.<\/p>\n<h3>How to Buy Liability Insurance Online, Step by Step?<\/h3>\n<p>First, you enter the owner\u2019s and vehicle\u2019s information, then you compare the quotes and accept the one you choose. The final step is payment and receiving the policy via email. If you\u2019d like to see the full process, visit the guide <a href=\"https:\/\/polisarium.pl\/en\/guide\/how-to-buy-oc\/\">How to Buy Liability Insurance<\/a>.<\/p>\n<h3>Should I buy auto liability insurance through an agent or online for my first car?<\/h3>\n<p>When buying your first car, it\u2019s often safer to speak with an agent, as it\u2019s easier to avoid mistakes on the application. This is especially true for jointly owned vehicles, imported cars, or purchases made after a gap in coverage. However, if the form is straightforward, buying online can also be a good option.<\/p>\n<h3>Is shopping online always cheaper?<\/h3>\n<p>No, the internet doesn't automatically guarantee the lowest premium. The price depends on your insurance history, the driver's age, where the vehicle is used, and the vehicle's specifications. It's best to compare several quotes based on the same information.<\/p>\n<h3>Which 2026 liability insurance policy should I choose if I live in Warsaw?<\/h3>\n<p>If you\u2019re in a hurry, buying online is usually more convenient. If you want to discuss the details with an advisor or have an unusual situation, a good option is to work with an agent and purchase third-party liability insurance in Warsaw at a branch office. It\u2019s best to start by getting a quote and then decide how to proceed.<\/p>\n<h3>What documents are required to purchase liability insurance?<\/h3>\n<p>Most often, you\u2019ll need the owner\u2019s information, vehicle details, the license plate number or VIN, and insurance history. In some cases, you\u2019ll also need information about a co-owner, a lease, or a previous policy. The more accurate the information you provide, the lower the risk of a premium adjustment.<\/p>\n<h3>Can I start online and finish with an agent?<\/h3>\n<p>Yes, that's a common and sensible practice. You can check the prices on your own first, and then discuss the options with an advisor. This approach works well when you're not sure whether the quote was calculated based on the correct data.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">Summary<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Should you buy auto insurance online or in person in 2026? If you value speed, independence, and the ability to easily compare offers, choose online. If you have an unusual situation or want to discuss the details at your own pace, go with an agent. The best decision is one that combines accurate information, a good premium, and convenient service. On the Polisarium website, you can start comparing offers and choose the purchase method that best suits your needs.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>When purchasing liability insurance, you have the choice between buying a policy online or speaking with an agent at a branch. In 2026, both options are legal,\u2026<\/p>","protected":false},"author":2,"featured_media":5149,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[48],"tags":[75,61,70,60,57],"class_list":["post-5150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jak-kupowac-oc","tag-polisa-ubezpieczeniowa","tag-porownanie-ofert-oc","tag-ubezpieczenie-oc","tag-ubezpieczenie-samochodu","tag-zakup-oc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OC przez internet czy stacjonarnie w 2026? - Polisarium<\/title>\n<meta name=\"description\" content=\"OC przez internet czy stacjonarnie? Sprawd\u017a, jak kupi\u0107 OC online i kiedy lepiej wybra\u0107 agenta. Poradnik 2026 dla kierowc\u00f3w.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisarium.pl\/en\/guide\/how-to-buy-oc\/online-or-in-person-in-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OC przez internet czy stacjonarnie w 2026?\" \/>\n<meta property=\"og:description\" content=\"OC przez internet czy stacjonarnie? Sprawd\u017a, jak kupi\u0107 OC online i kiedy lepiej wybra\u0107 agenta. Poradnik 2026 dla kierowc\u00f3w.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisarium.pl\/en\/guide\/how-to-buy-oc\/online-or-in-person-in-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-23T08:26:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-14T10:46:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2528\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"redaktor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"redaktor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/\"},\"author\":{\"name\":\"redaktor\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/2c95b0de90d8d0a96103292ca72ee78c\"},\"headline\":\"OC przez internet czy stacjonarnie w 2026?\",\"datePublished\":\"2026-07-23T08:26:35+00:00\",\"dateModified\":\"2026-09-14T10:46:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/\"},\"wordCount\":1384,\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/foto-8.webp\",\"keywords\":[\"polisa ubezpieczeniowa\",\"por\u00f3wnanie ofert OC\",\"ubezpieczenie OC\",\"ubezpieczenie samochodu\",\"zakup OC\"],\"articleSection\":[\"Jak kupowa\u0107 OC?\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/\",\"name\":\"OC przez internet czy stacjonarnie w 2026? - Polisarium\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/foto-8.webp\",\"datePublished\":\"2026-07-23T08:26:35+00:00\",\"dateModified\":\"2026-09-14T10:46:46+00:00\",\"description\":\"OC przez internet czy stacjonarnie? Sprawd\u017a, jak kupi\u0107 OC online i kiedy lepiej wybra\u0107 agenta. Poradnik 2026 dla kierowc\u00f3w.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#primaryimage\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/foto-8.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/foto-8.webp\",\"width\":2528,\"height\":1696,\"caption\":\"OC przez internet czy stacjonarnie w 2026?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/poradnik\\\/jak-kupowac-oc\\\/oc-przez-internet-czy-stacjonarnie-w-2026\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/polisarium.pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OC przez internet czy stacjonarnie w 2026?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/\",\"name\":\"Polisarium\",\"description\":\"Ubezpieczenia online - samochod, dom, zdrowie, turystyka, firma\",\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#organization\",\"name\":\"Polisarium sp. z o.o.\",\"alternateName\":\"Polisarium\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"width\":244,\"height\":68,\"caption\":\"Polisarium sp. z o.o.\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/POLISARIUM\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/en\\\/#\\\/schema\\\/person\\\/2c95b0de90d8d0a96103292ca72ee78c\",\"name\":\"redaktor\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1794055863\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1794055863\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1794055863\",\"caption\":\"redaktor\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Will auto liability insurance be purchased online or in person in 2026? - Polisarium","description":"Should you buy auto liability insurance online or in person? Find out how to buy auto liability insurance online and when it\u2019s better to go through an agent. The 2026 Guide for Drivers.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/polisarium.pl\/en\/guide\/how-to-buy-oc\/online-or-in-person-in-2026\/","og_locale":"en_US","og_type":"article","og_title":"OC przez internet czy stacjonarnie w 2026?","og_description":"OC przez internet czy stacjonarnie? Sprawd\u017a, jak kupi\u0107 OC online i kiedy lepiej wybra\u0107 agenta. Poradnik 2026 dla kierowc\u00f3w.","og_url":"https:\/\/polisarium.pl\/en\/guide\/how-to-buy-oc\/online-or-in-person-in-2026\/","og_site_name":"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2026-07-23T08:26:35+00:00","article_modified_time":"2026-09-14T10:46:46+00:00","og_image":[{"width":2528,"height":1696,"url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8.webp","type":"image\/webp"}],"author":"redaktor","twitter_card":"summary_large_image","twitter_misc":{"Written by":"redaktor","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#article","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/"},"author":{"name":"redaktor","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/2c95b0de90d8d0a96103292ca72ee78c"},"headline":"OC przez internet czy stacjonarnie w 2026?","datePublished":"2026-07-23T08:26:35+00:00","dateModified":"2026-09-14T10:46:46+00:00","mainEntityOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/"},"wordCount":1384,"publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8.webp","keywords":["polisa ubezpieczeniowa","por\u00f3wnanie ofert OC","ubezpieczenie OC","ubezpieczenie samochodu","zakup OC"],"articleSection":["Jak kupowa\u0107 OC?"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/","url":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/","name":"Will auto liability insurance be purchased online or in person in 2026? - Polisarium","isPartOf":{"@id":"https:\/\/polisarium.pl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#primaryimage"},"image":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8.webp","datePublished":"2026-07-23T08:26:35+00:00","dateModified":"2026-09-14T10:46:46+00:00","description":"Should you buy auto liability insurance online or in person? Find out how to buy auto liability insurance online and when it\u2019s better to go through an agent. The 2026 Guide for Drivers.","breadcrumb":{"@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#primaryimage","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8.webp","width":2528,"height":1696,"caption":"OC przez internet czy stacjonarnie w 2026?"},{"@type":"BreadcrumbList","@id":"https:\/\/polisarium.pl\/en\/poradnik\/jak-kupowac-oc\/oc-przez-internet-czy-stacjonarnie-w-2026\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/polisarium.pl\/"},{"@type":"ListItem","position":2,"name":"OC przez internet czy stacjonarnie w 2026?"}]},{"@type":"WebSite","@id":"https:\/\/polisarium.pl\/en\/#website","url":"https:\/\/polisarium.pl\/en\/","name":"Polisarium","description":"Online insurance - car, home, health, tourism, business","publisher":{"@id":"https:\/\/polisarium.pl\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/polisarium.pl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/polisarium.pl\/en\/#organization","name":"Polisarium sp. z o.o.","alternateName":"Polisarium","url":"https:\/\/polisarium.pl\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/logo\/image\/","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","width":244,"height":68,"caption":"Polisarium sp. z o.o."},"image":{"@id":"https:\/\/polisarium.pl\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/polisarium.pl\/en\/#\/schema\/person\/2c95b0de90d8d0a96103292ca72ee78c","name":"editor","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1794055863","url":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1794055863","contentUrl":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1794055863","caption":"redaktor"}}]}},"taxonomy_info":{"category":[{"value":48,"label":"Jak kupowa\u0107 OC?"}],"post_tag":[{"value":75,"label":"polisa ubezpieczeniowa"},{"value":61,"label":"por\u00f3wnanie ofert OC"},{"value":70,"label":"ubezpieczenie OC"},{"value":60,"label":"ubezpieczenie samochodu"},{"value":57,"label":"zakup OC"}]},"featured_image_src_large":["https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/foto-8-1024x687.webp",1024,687,true],"author_info":{"display_name":"redaktor","author_link":"https:\/\/polisarium.pl\/en\/author\/redaktor\/"},"comment_info":0,"category_info":[{"term_id":48,"name":"Jak kupowa\u0107 OC?","slug":"jak-kupowac-oc","term_group":0,"term_taxonomy_id":48,"taxonomy":"category","description":"Poradniki krok po kroku dla kupuj\u0105cych OC samochodu: co sprawdzi\u0107 przed zakupem, jak por\u00f3wna\u0107 oferty i jak kupi\u0107 polis\u0119 po raz pierwszy, tak\u017ce jako m\u0142ody kierowca. Oferty por\u00f3wnasz w naszym <a href=\"https:\/\/polisarium.pl\/kalkulator\/samochod\/\">kalkulatorze OC<\/a>.","parent":0,"count":5,"filter":"raw","cat_ID":48,"category_count":5,"category_description":"Poradniki krok po kroku dla kupuj\u0105cych OC samochodu: co sprawdzi\u0107 przed zakupem, jak por\u00f3wna\u0107 oferty i jak kupi\u0107 polis\u0119 po raz pierwszy, tak\u017ce jako m\u0142ody kierowca. Oferty por\u00f3wnasz w naszym <a href=\"https:\/\/polisarium.pl\/kalkulator\/samochod\/\">kalkulatorze OC<\/a>.","cat_name":"Jak kupowa\u0107 OC?","category_nicename":"jak-kupowac-oc","category_parent":0}],"tag_info":[{"term_id":75,"name":"polisa ubezpieczeniowa","slug":"polisa-ubezpieczeniowa","term_group":0,"term_taxonomy_id":75,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: polisa ubezpieczeniowa, w tym \u201ePolisa ubezpieczeniowa dla cudzoziemca \u2013 co powinna zawiera\u0107?\u201d.","parent":0,"count":25,"filter":"raw"},{"term_id":61,"name":"por\u00f3wnanie ofert OC","slug":"porownanie-ofert-oc","term_group":0,"term_taxonomy_id":61,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: por\u00f3wnanie ofert OC, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":8,"filter":"raw"},{"term_id":70,"name":"ubezpieczenie OC","slug":"ubezpieczenie-oc","term_group":0,"term_taxonomy_id":70,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie OC, w tym \u201eBrak odszkodowania za szkod\u0119 na parkingu? Kiedy ubezpieczyciel odmawia wyp\u0142aty odszkodowan","parent":0,"count":12,"filter":"raw"},{"term_id":60,"name":"ubezpieczenie samochodu","slug":"ubezpieczenie-samochodu","term_group":0,"term_taxonomy_id":60,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie samochodu, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":9,"filter":"raw"},{"term_id":57,"name":"zakup OC","slug":"zakup-oc","term_group":0,"term_taxonomy_id":57,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: zakup OC, w tym \u201eJak kupi\u0107 OC po raz pierwszy? Prosty poradnik krok po kroku\u201d.","parent":0,"count":9,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/5150","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/comments?post=5150"}],"version-history":[{"count":1,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/5150\/revisions"}],"predecessor-version":[{"id":5151,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/posts\/5150\/revisions\/5151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media\/5149"}],"wp:attachment":[{"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/media?parent=5150"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/categories?post=5150"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/polisarium.pl\/en\/wp-json\/wp\/v2\/tags?post=5150"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}