Extracted from source documents

LINK4 Motor third-party liability (Oc Ppm)

Underwritten by LINK4 Towarzystwo Ubezpieczeń S.A. · Poland

motor third-party liability insurance from LINK4 for the Poland market, with online purchase and 24/7 assistance.

Last verified Aug 18, 2026Sources

Online purchase24/7 helpline

Unique selling points

Every OC package includes a free replacement vehicle programme (up to 3 days) and tyre assistance – benefits typically charged extra by competitors.

LINK4 participates in the BLS direct claims settlement system, allowing policyholders to file claims directly with LINK4 even when the at-fault driver is insured elsewhere.

Optional 'Ochrona Zniżki' no-claims protection clause preserves earned discounts after the first at-fault claim, preventing a premium surcharge at renewal.

Policy can be purchased fully online in under 60 seconds via the LINK4 calculator, with up to 7% discount for online purchase.

LINK4 coverage extends to all EU/EEA countries, Andorra, and Serbia by default, with a Green Card certificate issued for countries requiring it, at no additional premium.

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

Legal defence

No limit stated

Legal defence is not provided as a standalone coverage under the MTPL policy. The IPID and OC information document do not mention it as a covered benefit. Legal costs related to claims settled under the optional Zielona Karta product are handled separately.

Green Card certificate

Not established from the insurer's documents

LINK4 issues a Green Card (International Insurance Certificate) confirming MTPL coverage validity for travel to countries requiring it, including Morocco, Azerbaijan, Iran, Tunisia, Turkey, Ukraine, North Macedonia, Moldova. The MTPL cover extends to EU/EEA states, Andorra and Serbia without the certificate. An additional paid standalone 'Zielona Karta' insurance product exists for extended territorial cover beyond OC ppm scope.

Third-party source, not the insurer's document

Roadside assistance (Program Pomocy z Samochodem Zastępczym i Assistance Opony)

Not established from the insurer's documents

Included with every LINK4 OC package at no additional cost. Covers: on-site vehicle repair up to 400 PLN, towing up to 100 km after an accident, replacement vehicle for up to 3 calendar days after accident or theft, tyre assistance (on-site wheel change or towing to vulcanisation workshop, limit 2,000 PLN per policy period), battery jump-start (up to 2 events per policy period), and information services. Valid in Poland only. Motorcycles and mopeds covered only on paved public roads.

Third-party source, not the insurer's documentClause 12Page 7

Section: ŚWIADCZENIE POMOCY TECHNICZNEJ > Pomoc techniczna

naprawa Pojazdu na miejscu zdarzenia – organizujemy i pokrywamy koszty naprawy Pojazdu na miejscu zdarzenia do 400 zł, ... holowanie i pokrywamy jego koszty do 100 km

Excluded

Driver personal accident benefit

Excluded

The at-fault driver's own bodily injuries are not covered by MTPL. MTPL covers only third-party bodily injury liability. Personal accident cover for the driver is available as a separate optional NNW (accident insurance) add-on product.

Covered

Passenger bodily injury (via third-party liability)

Covered

Passengers injured in an accident caused by the insured vehicle are treated as third parties and their bodily injuries are covered under the bodily injury liability limit. There is no separate standalone passenger accident benefit; coverage is part of the statutory MTPL third-party bodily injury protection.

Key conditions

Driver restrictions

LINK4 and the Motor Insurers' Guarantee Fund (UFG) may seek recourse from the driver who caused the accident if the driver: caused the damage intentionally or while intoxicated; obtained the vehicle through a crime; did not hold the required driving licence (with exceptions for life-saving or pursuit); fled the scene of the accident.

Claim notification deadline

At the scene, the insured must ensure safety, mitigate the consequences, provide medical assistance to victims, protect victims' property, prevent the damage from increasing and notify the police. Transfer of vehicle ownership must be reported to LINK4 in writing within 14 days. All obligations are set out in the Compulsory Insurance Act.

SourcePage 2

Section: Co należy do obowiązków Ubezpieczonego?

w razie wystąpienia szkody jesteś zobowiązany m.in. do: zapewnienia bezpieczeństwa w miejscu zdarzenia, złagodzenia skutków zdarzenia, zapewnienia pomocy lekarskiej poszkodowanym, zabezpieczenia mienia osób poszkodowanych, zapobiegania zwiększenia się szkody, zawiadomienia policji. Wszystkie obowiązki są opisane w Ustawie.

Bonus-malus rules

LINK4 applies an individual bonus-malus system based on the insured's claims history (last 4 years considered). No statutory fixed table applies; premiums are calculated by actuarial algorithms. An optional 'Ochrona Zniżki' (no-claims protection) clause can be added: for an additional premium, the first at-fault OC claim and/or the first AC claim in the policy period will not trigger a malus surcharge at renewal.

Territorial scope

Poland, EU/EEA member states, Andorra, Serbia. Green Card required for Morocco, Azerbaijan, Iran, Tunisia, Turkey, Ukraine, North Macedonia, Moldova.

Documents

IPID – Motor Third Party Liability Insurance (OC ppm) (opens in a new tab)

Product information sheet · PDF

LINK4 General Insurance Terms and Conditions – Twoje Auto (effective 06.11.2024) (opens in a new tab)

Terms & conditions · PDF

LINK4 General Insurance Terms and Conditions – Motor (collective, effective 19.12.2023) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Replacement vehicle assistance

Link4 OC Package includes unique replacement vehicle assistance program providing temporary vehicle use in case of accident or theft

Source

Section: Wybierz ubezpieczenie OC wraz z MiniAssistance po Wypadku w LINK4! Co zyskasz?

Dodatkowo w ramach pomocy otrzymasz samochód zastępczy, jeśli Twoje auto zostanie skradzione lub uszkodzone w kolizji. Możesz korzystać z pojazdu do 3 dni.

Tire/wheel assistance

Link4 OC Package includes wheel change assistance on-site or towing to vulcanization workshop

Source

Section: Wybierz ubezpieczenie OC wraz z MiniAssistance po Wypadku w LINK4! Co zyskasz?

Zapewniamy również wsparcie w wymianie koła na miejscu zdarzenia, gdy uszkodzisz oponę. Jeśli nie będzie to możliwe, oferujemy holowanie do warsztatu wulkanizacyjnego, w celu jej naprawy.

Automatic renewal clause

Not established from the insurer's documents

Polish law mandates automatic renewal of OC insurance for 12-month periods unless policyholder provides written notice to cancel

SourceThird-party source, not the insurer's document

Statutory minimum coverage limits

Link4 OC must provide minimum guarantees per Polish law: 29,876,400 PLN for personal injury per incident; 6,021,600 PLN for property damage per incident

Source

Section: Pamiętaj! Każdy pojazd w Polsce musi posiadać ważne OC! > Zakres ubezpieczenia OC

29 876 400 zł – w przypadku szkód na osobie, niezależnie od liczby poszkodowanych, 6 021 600 zł – w przypadku szkód w mieniu, niezależnie od liczby poszkodowanych.

Vehicle registration requirement

OC insurance is mandatory for every motor vehicle registered in Poland, regardless of usage frequency

Source

Section: Pamiętaj! Każdy pojazd w Polsce musi posiadać ważne OC!

Obowiązek wykupienia ubezpieczenia odpowiedzialności cywilnej (OC) nakłada na każdego właściciela samochodu ustawa z dnia 22 maja 2003 r. o ubezpieczeniach obowiązkowych, Ubezpieczeniowym Funduszu Gwarancyjnym i Polskim Biurze Ubezpieczycieli Komunikacyjnych.

Direct Loss Indemnification (DLI) system participation

Link4 OC holders can settle claims directly with Link4 even if the at-fault party has different insurer, through DLI system

Source

Section: Rozszerz swój Pakiet w LINK4!

LINK4 należy do programu BLS, który upraszcza proces likwidacji szkód. Jeśli Twój samochód został uszkodzony w kolizji, a Ty jesteś ubezpieczony w LINK4, możesz zgłosić szkodę bezpośrednio u nas zamiast u ubezpieczyciela sprawcy.

Sources

LINK4 Motor third-party liability

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