InterRisk Motor third-party liability (Oc Posiadaczy Pojazdow Mechanicznych)
Underwritten by InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group · Poland
motor third-party liability insurance from InterRisk for the Poland market, with 24/7 assistance.
Verified Aug 18, 2026 · Terms dated 2025-01-07Sources
Unique selling points
AutoAssistance Start roadside help included in every OC policy at no extra premium, covering on-site repair and towing within Poland.
Green Card (international motor certificate) issued automatically with OC at no additional cost, confirming coverage across all Multilateral Agreement countries.
Comprehensive Pakiet Auto+ ecosystem: OC can be seamlessly bundled with autocasco, intercasco, NNW, AutoSzyby, Ochrona Prawna and specialist packages (PAK, PMP, PMO) for a single integrated premium.
Claims and policy management available via the iKlient online portal, with mobile photo-inspection and video-inspection for faster damage assessment.
Twice recognised as an Institution Friendly to Mediation by the Polish Financial Supervision Authority (KNF), signalling a pro-client approach to dispute resolution.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence costs (within guarantee sum)
Covered
Within the limits of the guarantee sum, InterRisk is obliged to reimburse the policyholder for necessary defence costs in criminal proceedings and costs of legal representation in civil proceedings, taken on the instruction of or with the consent of InterRisk (Art. 15 para. 2 of the Compulsory Insurance Act). This is a statutory obligation included in every MTPL policy; it is separate from the voluntary Ochrona Prawna add-on product.
W granicach sumy gwarancyjnej ubezpieczenia obowiązkowego odpowiedzialności cywilnej zakład ubezpieczeń jest obowiązany zwrócić ubezpieczającemu niezbędne koszty obrony w postępowaniu karnym i koszty zastępstwa prawnego w postępowaniu cywilnym, podjętych na polecenie lub za zgodą zakładu ubezpieczeń.
Green Card (international motor insurance certificate)
Covered
An international motor insurance certificate (Green Card) is issued with the OC policy at no additional premium. It confirms valid MTPL coverage in countries whose national bureaux are signatories to the Multilateral Agreement. Concluding an OC policy automatically triggers the issue of a Zielona Karta for the same vehicle at no extra charge (OWU Pakiet Auto+ §9.8).
Zielona Karta w ramach ubezpieczenia OC
Roadside assistance – AutoAssistance Start (included with OC)
PLN 5K
Concluding an OC policy automatically triggers a free AutoAssistance Start policy for the same vehicle (OWU Pakiet Auto+ §9.6). The Start variant provides assistance when the vehicle is immobilised following a road accident or when the windscreen is damaged or destroyed, covering on-site repair and towing to the nearest workshop within Poland. InterRisk's maximum liability per insured event under the Start variant is 5,000 PLN. Higher-tier assistance variants (Standard, Premium) are available as paid optional add-ons.
Section: Ubezpieczenie AutoAssistance > Limity odpowiedzialności
Górna granica odpowiedzialności InterRisk z tytułu jednego wypadku ubezpieczeniowego, który zaszedł w okresie ubezpieczenia wynosi: 1. 5 000 zł w wariancie Start;
Driver personal accident (NNW – optional add-on)
Optional
Coverage for personal accident consequences (death, permanent disability, medical expenses) for the driver is not included in the base MTPL policy. It is available as the optional NNW (następstwa nieszczęśliwych wypadków) add-on under Pakiet Auto+, with a sum insured selectable from 10,000 PLN to 100,000 PLN per person. Note: third-party bodily injury to other road users is fully covered under the mandatory bodily_injury_liability component.
Passenger personal accident (NNW – optional add-on)
Optional
Personal accident coverage for passengers in the insured vehicle is not included in the base MTPL policy. Passengers injured through the fault of a third party are covered under the mandatory bodily_injury_liability. For cover of accidents caused by the vehicle's own driver, the optional NNW add-on (sum insured 10,000–100,000 PLN per person) must be purchased separately under Pakiet Auto+.
Key conditions
Driver restrictions
No driver-specific restrictions apply – MTPL covers civil liability of every person who drives the insured vehicle during the period of insurance cover (Art. 35 of the Compulsory Insurance Act). The insurer may pursue a recourse claim against a driver who caused damage intentionally, while under the influence of alcohol or narcotic substances, without a valid driving licence, or who fled the scene (Art. 43 of the Act).
Claim notification deadline
The insured person must notify InterRisk (via InterRisk Kontakt) promptly after the event. Under the Compulsory Insurance Act, the insurer must pay compensation within 30 days of receiving notification of the loss. Where circumstances cannot be clarified within that period, payment must be made within 14 days of clarification, but no later than 90 days from the original notification, unless liability depends on pending criminal or civil proceedings (Art. 14 of the Act).
Bonus-malus rules
There is no statutory bonus-malus system for MTPL in Poland. Each insurer sets its own premium based on factors including the vehicle type, the policyholder's claims history (accessible via the UFG Information Centre), place of vehicle registration, age of driver, and engine capacity. InterRisk applies its own internal rating factors. The premium history/claims record can be requested from the Ubezpieczeniowy Fundusz Gwarancyjny (UFG) information centre.
Territorial scope
Primary coverage: territory of Poland. By operation of law, also covers events in countries whose national bureaux are signatories to the Multilateral Agreement (Green Card system), at least to the minimum required by the law of the country of the event.
Documents
Act on Compulsory Insurance, Insurance Guarantee Fund and Polish Motor Insurers Bureau (consolidated text) (opens in a new tab)
Terms & conditions · PDF
Termination of MTPL policy – Art. 28 form (automatic renewal notice) (opens in a new tab)
Other document · PDF
Pakiet Auto+ Product Information Document (IPID) – includes OC coverage summary (opens in a new tab)
Product information sheet · PDF
Policy specifics
Mandatory coverage requirement
Coverage for third-party liability arising from vehicle movement, governed by the Act on Compulsory Insurance. The scope of coverage is standardized by law and identical across all insurers in Poland.
SourceSection: Co to jest ubezpieczenie OC?
Ubezpieczenie OC chroni właścicieli pojazdów przed skutkami finansowymi wynikającymi z wypadków i zdarzeń drogowych, które spowodowali.
Automatic renewal
Unless the policyholder gives notice of termination at least one day before the end of the 12-month period, the policy automatically renews for another 12 months.
SourcePolicy period
Compulsory motor liability insurance is concluded for a period of 12 months, as mandated by Polish law.
SourceClause Art. 26Page 16Section: Rozdział 2 > Ubezpieczenie OC posiadaczy pojazdów mechanicznych
Umowę ubezpieczenia OC posiadaczy pojazdów mechanicznych zawiera się na okres 12 miesięcy, z zastrzeżeniem art. 27.
Sources
- direct.money.plhttps://direct.money.pl/artykuly/porady/jaka-jest-suma-ubezpieczenia-oc(opens in a new tab)
- interrisk.plhttps://interrisk.pl/dla-ciebie-i-rodziny/pakiet-auto/ubezpieczenie-oc/(opens in a new tab)
- interrisk.plhttps://interrisk.pl/wp-content/uploads/2022/02/Ustawa-o-ubezpieczeniach-obowiazkowych.pdf#page=11(opens in a new tab)
- interrisk.plhttps://interrisk.pl/wp-content/uploads/2022/02/Ustawa-o-ubezpieczeniach-obowiazkowych.pdf#page=16(opens in a new tab)
- interrisk.plhttps://interrisk.pl/wp-content/uploads/2023/02/KARTA-PRODUKTU-Pakiet-Autood-26.01.2023_Agent.pdf#page=3(opens in a new tab)
InterRisk Motor third-party liability