EINS Polska Motor third-party liability (Oc Posiadaczy Pojazdow Mechanicznych)

Statutory guarantee sums of 6,450,000 EUR (bodily injury) and 1,300,000 EUR (property damage) per event, meeting the highest EU-mandated minimums following the November 2024 legislative update.

24/7 EUROINS Centrum Pomocy helpline (+48 22 243 84 84) handles claims, roadside assistance requests and customer queries around the clock.

Full end-to-end online purchase and policy management available at eins.pl with premium payment by card, bank transfer or e-payment with no agent visit required.

Replacement vehicle service for third-party claimants is organised directly by EUROINS under OC liability, with defined daily rental rate ceilings per vehicle segment to simplify reimbursement claims.

Driver restrictions

The MTPL policy covers civil liability of any person who drives the insured vehicle with the knowledge and consent of the owner or another authorised person, including damage caused intentionally or through gross negligence. The injured party is compensated in all cases; the insurer may then exercise recourse against the driver when the driver was under the influence of alcohol or narcotics (if this influenced the accident), drove without required authorisation, or drove an unregistered or technically unfit vehicle (if this influenced the accident).

Section: Ubezpieczenie OC posiadaczy pojazdów mechanicznych > EUROINS OC – Obowiązkowe ubezpieczenie odpowiedzialności cywilnej posiadaczy pojazdów mechanicznych za szkody powstałe w związku z ruchem tych pojazdów > Przedmiot ubezpieczenia

Dotyczy to także szkód wyrządzonych umyślnie lub wskutek rażącego niedbalstwa.

Claim notification deadline

The policyholder or insured must report a loss as soon as possible. In the event of an accident involving personal injuries or in circumstances suggesting a criminal offence, police must be notified immediately. In the case of vehicle theft, notification to the police must occur within 12 hours of learning of the theft. For damage occurring abroad, EUROINS must be notified within 7 days of learning of the event, but no later than within 2 business days of returning from abroad. EUROINS must acknowledge and begin investigation within 7 days of receiving the claim notification and issue its decision within 30 days.

Bonus-malus rules

The bonus-malus system is governed by the Polish Compulsory Insurance Act and the UFG (Ubezpieczeniowy Fundusz Gwarancyjny) database. Claim-free periods confirmed in the UFG database are taken into account in premium calculation. Each claim-free year may result in a premium discount of up to 10%. Premium factors include the number of claims in previous insurance periods, years of insurance continuity, age of the owner/primary driver, and years of driving licence held. EUROINS uses a proprietary automated risk assessment algorithm.

Territorial scope

Coverage applies in Poland, all EU member states, and countries that are signatories to the Multilateral Agreement (including Andorra, Iceland, Liechtenstein, Norway, Serbia). Green Card extension available for countries outside this scope that are members of the Green Card System.