Extracted from source documents

Benefia Motor third-party liability (Oc Komunikacyjne)

Underwritten by Compensa TU S.A. Vienna Insurance Group · Poland

motor third-party liability insurance from Benefia for the Poland market, with online purchase.

Last verified Aug 19, 2026Sources

Online purchase

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Key facts

Benefia

Unique selling points

Green Card certificate issued free of charge with every OC policy, requiring no extra payment for travel documentation to countries needing it.

Direct loss settlement (BLS) add-on allows policyholders to report third-party damage claims directly to Benefia without going through the at-fault driver's insurer.

Simplified online claim path enables OC damage compensation payout within 5 business days of assessment via the mobile app.

Multi-channel purchase availability including online, dealership networks, petrol stations, SKP vehicle inspection stations, banks, and retail chains.

Optional No-Claims Discount Protection (OUZ) preserves the policyholder's accumulated discount level even after a claim, avoiding premium increases at renewal.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

PLN 29.9M

Optional

Legal Protection (Ochrona Prawna)

PLN 35K

Legal defence coverage is available as an optional add-on to the Benefia OC policy. It covers costs of legal representation and court proceedings related to the vehicle, including criminal and traffic offence proceedings, and claims arising from accidents. Available via the Pakiet Dealerski bundle or as a standalone rider.

Conditional

Green Card (Zielona Karta)

Conditional

The Green Card certificate is provided by Benefia at no additional charge as part of the OC policy. It confirms valid third-party liability insurance and is required when travelling to countries outside the Multilateral Agreement system (Albania, Azerbaijan, Iran, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine). The standard OC policy covers events in Multilateral Agreement countries without a Green Card; the certificate is needed only for the listed non-member countries. Green Card certificates may be issued for a minimum of 15 days and a maximum of 12 months.

Section: OC > Jaki jest zakres mojego OC?

Przy wyjeździe do kraju innego niż wymienione powyżej, kierowca powinien posiadać Zieloną Kartę. Możesz ją uzyskać bez dodatkowej opłaty do ubezpieczenia OC.

Optional

Roadside Assistance (Assistance SOS)

€10K

Roadside assistance is available as an optional add-on (Assistance SOS) to the Benefia OC policy, offering 24/7 help in the event of breakdown, accident, or theft. Available in Basic (Podstawowy) and Full (Pełny) variants. Covers on-site repair, towing, substitute vehicle, accommodation, and continuation of journey depending on the chosen variant.

Section: OC > Jak możesz rozszerzyć zakres swojej ochrony?

Assistance — Uzyskaj natychmiastową i profesjonalną pomoc w związku z kolizją, awarią bądź uszkodzeniem pojazdu podczas próby kradzieży.

Optional

Driver Accident Insurance (NNW Kierowcy)

Optional

Personal accident insurance for the driver (NNW) is available as an optional add-on to the Benefia OC policy. It covers permanent disability and death resulting from a traffic accident. The sum insured is set individually per person. Available as a standalone rider or as part of a vehicle insurance package.

Section: OC > Jak możesz rozszerzyć zakres swojej ochrony?

NNW — Otrzymaj rekompensatę dla poszkodowanych na skutek odniesienia trwałego uszczerbku na zdrowiu lub śmierci w związku z nieszczęśliwym wypadkiem w ruchu drogowym.

Optional

Passenger Accident Insurance (NNW Pasażerów)

Optional

Personal accident insurance for passengers (NNW) is available as an optional add-on to the Benefia OC policy. It covers permanent disability and death of vehicle passengers resulting from a traffic accident. The sum insured is set individually per insured person.

Section: OC > Jak możesz rozszerzyć zakres swojej ochrony?

NNW — Otrzymaj rekompensatę dla poszkodowanych na skutek odniesienia trwałego uszczerbku na zdrowiu lub śmierci w związku z nieszczęśliwym wypadkiem w ruchu drogowym.

Key conditions

Driver restrictions

The OC policy covers liability of any person driving the insured vehicle during the insurance period who causes damage in connection with the vehicle's movement. The insurer may seek recovery from the driver if the damage was caused intentionally or while intoxicated, if the driver obtained the vehicle through a crime, had no required driving licence, or fled the scene.

Claim notification deadline

In the event of an accident, the policyholder must promptly notify the insurer and cooperate with the claim settlement process. The insurer must provide a claim decision within 30 days of receiving the claim notification; if investigation is not possible within 30 days, within 14 days of clarifying all necessary circumstances, but no later than 90 days from receipt of the notification. For the simplified OC claim path, payment is issued within 5 business days of assessment.

Bonus-malus rules

Benefia applies a bonus-malus system based on the policyholder's claims history, adjusting the OC premium according to the number and type of claims reported. Policyholders with a no-claims history receive discounts; those who have caused claims may face surcharges. An optional No-Claims Discount Protection (Ochrona Utraty Zniżki / OUZ) add-on is available, which preserves the current discount level even if a claim occurs during the policy period. Benefia reports all concluded OC contracts and claims to the UFG (Insurance Guarantee Fund) in accordance with statutory requirements.

Territorial scope

Poland and countries whose national bureaux are signatories to the Multilateral Agreement (EU member states, EFTA states, Andorra, Serbia, Montenegro, Bosnia and Herzegovina, United Kingdom). Green Card required for Albania, Azerbaijan, Iran, Morocco, Moldova, North Macedonia, Tunisia, Turkey, and Ukraine.

Documents

IPID – OC for Erste Bank Polska clients (25.04.2026) (opens in a new tab)

Product information sheet · PDF

Benefia OWU and documents portal (opens in a new tab)

Policy specifics

BLS - Direct Loss Indemnification

Optional benefit allowing direct claims submission to Benefia if damaged by an insured driver from another insurer, replacing the need for AC coverage in this scope

Source

Section: OC > Jak możesz rozszerzyć zakres swojej ochrony?

BLS – W przypadku uszkodzenia Twojego pojazdu przez pojazd kierowcy ubezpieczonego w innym zakładzie ubezpieczeń, możesz zgłosić szkodę bezpośrednio do Twojego Ubezpieczyciela, który zajmie się jej obsługą i wypłaci odszkodowanie za uszkodzenia w Twoim pojeździe. BLS zastępuje ubezpieczenie AC w zakresie szkód spowodowanych przez pojazd sprawcy odpowiedzialnego za szkodę.

Discount Protection (Ochrona utraty zniżki)

Optional add-on protecting current insurance discount level even if claim occurs during policy period

Source

Section: OC > Jak możesz rozszerzyć zakres swojej ochrony?

Ochrona utraty zniżki — Zabezpiecz wysokość obecnie posiadanej zniżki za przebieg ubezpieczenia nawet w przypadku szkody.

Territorial scope - Poland and Multilateral Agreement countries

Standard OC coverage applies in Poland and countries whose national offices are signatories to the Multilateral Agreement, including EU states, EFTA states, and associated countries (Andorra, Serbia, Montenegro, UK, Bosnia and Herzegovina)

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Section: Gdzie obowiązuje ubezpieczenie?

Ubezpieczenie OC obejmuje, na zasadzie wzajemności, również zdarzenia powstałe na terytoriach państw, których biura narodowe są sygnatariuszami Porozumienia Wielostronnego (państwa członkowskie Unii Europejskiej, państwa Europejskiego Porozumienia o Wolnym Handlu EFTA, Andorę, Serbię, Czarnogórę, Wielką Brytanię oraz Bośnię i Hercegowinę).

Standard insurance period - 12 months

OC contracts are concluded for 12 months.

Source

Automatic transfer of rights and obligations on vehicle sale

Upon vehicle ownership transfer, all OC rights and obligations automatically pass to the new owner; seller must notify insurer within 14 days with new owner details

Source

Section: Najczęściej zadawane pytania (FAQ) > Ubezpieczenia komunikacyjne

Zbywca pojazdu powinien powiadomić na piśmie zakład ubezpieczeń o fakcie zbycia pojazdu i przekazać dane nowego posiadacza w terminie 14 dni od dnia przeniesienia prawa własności.

Mandatory insurance requirement

OC insurance is mandatory for all mechanical vehicles registered in Poland; must be purchased by latest on vehicle registration date or before vehicle enters traffic if not yet registered

Source

Section: OC

Konieczne jest zakupienie polisy OC najpóźniej w dniu rejestracji pojazdu. Natomiast w przypadku pojazdów, które są jeszcze przed rejestracją lub które jej nie podlegają, OC należy wykupić obowiązkowo przed wprowadzeniem takiego pojazdu do ruchu.

Sources

Benefia Motor third-party liability

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