Proama Motor third-party liability (Oc Ppm)

Up to 70% no-claims discount on the OC premium, available after 6 claim-free years within the last 10 years.

Green Card included free of charge with every OC policy – no additional cost for the international motor insurance certificate needed for non-EU travel.

Optional discount protection add-on preserves the earned no-claims discount after one at-fault OC claim, securing premium savings at the next renewal.

Policy can be purchased and renewed entirely online or by phone, with the policy document delivered by email or post – no branch visit required.

Driver restrictions

No age restriction applies to the vehicle under MTPL. All registered vehicle types are subject to the mandatory OC obligation, including passenger cars, agricultural tractors, mopeds, trailers, semi-trailers, slow-moving vehicles, historic vehicles, and vehicles before registration in Poland. The policy is valid for whoever drives the vehicle, not only the named owner.

Claim notification deadline

In the event of a covered claim, the insurer must be notified promptly. The injured party may claim compensation directly from Proama. For events involving personal injury or suspected criminal activity, police notification is required. The insured must cooperate with the insurer in establishing the circumstances and extent of the loss.

Bonus-malus rules

Proama applies a bonus-malus system offering up to 70% discount on the OC premium for claims-free driving. The maximum 70% discount is available after 6 consecutive claims-free years. An optional "discount protection after one OC claim" add-on is available, which preserves the earned discount after one at-fault OC claim in the next renewal period, subject to no change in vehicle ownership.

Territorial scope

Poland and all EEA countries, plus Andorra, Croatia, Serbia, and Switzerland (Multilateral Agreement signatory states). Green Card required for travel to Albania, Azerbaijan, Macedonia, Morocco, Moldova, Tunisia, Turkey, Ukraine.