Trasti Motor third-party liability (Oc Komunikacyjne)
Underwritten by Zavarovalnica Triglav d.d. · Poland
motor third-party liability insurance from Trasti for the Poland market, with online purchase.
Verified Aug 19, 2026 · Terms dated 2025-02-26Sources
Unique selling points
Free Green Card included with every OC policy, enabling legal travel across all Green Card system countries at no additional cost.
OC premium can be reduced by adding optional riders (NNW, assistance, glass), making comprehensive protection available from very low combined premiums.
Awarded Insurtech of the Year 2025, reflecting the company's digital-first approach, instant online policy issuance, and transparent claim tracking via SMS and online portal.
NNW personal accident cover for driver and all passengers up to 200,000 PLN per person, available as an add-on at competitive rates – with no reduction of the insurance sum after a payout.
Flexible premium payment options including 0% monthly instalments and annual lump-sum payment, with automatic policy renewal and prorated premium refund upon early termination.
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
Not established from the insurer's documents
Legal defence costs (including criminal defence counsel and fines) are explicitly excluded under the OC terms and conditions. The insurer does not cover costs of legal representation in criminal proceedings against the vehicle owner or driver, nor any fines or monetary penalties imposed on them.
Green Card (International Certificate of Motor Insurance)
Covered
The Green Card is included free of charge with every OC policy. It is required when travelling to countries outside the EU that are not party to the Multilateral Agreement: Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. The need to issue a Green Card must be reported at least 14 days before the planned departure date.
Section: Ubezpieczenie OC i Zielona Karta > Ważne informacje i dokumenty do pobrania > Czy Zielona Karta/OC jest dodatkowo płatna?
Nie, Zielona Karta jest w cenie ubezpieczenia OC.
Roadside Assistance (ASS)
Not established from the insurer's documents
Roadside assistance is a separately purchasable add-on to the OC policy (not included in the base OC premium). It covers organisation and costs of assistance in the event of breakdown, accident/collision, or theft. Coverage sum: 50,000 PLN per event. For passenger cars: territorial scope is Poland and Europe; for trucks up to 3.5t: Poland only. Multiple towing distance variants and replacement car duration options are available (up to 1,500 km towing, up to 21 days replacement car for passenger cars).
Section: Ubezpieczenie Pomoc w podróży - awaria lub wypadek (ASS) > Suma ubezpieczenia
Suma ubezpieczenia wynosi 50 000 PLN dla jednego zdarzenia. Suma ubezpieczenia nie ulega zmniejszeniu wskutek wypłaty odszkodowania.
Driver Accident Insurance (NNW)
Not established from the insurer's documents
Voluntary personal accident insurance (NNW) for the driver and passengers is available as an optional add-on to the OC policy. The policyholder selects the insurance sum from three options: 50,000 PLN, 100,000 PLN, or 200,000 PLN. Covers permanent disability (1/100 of sum per 1% disability) and death (full sum). Valid for passenger cars and trucks up to 3.5t registered in Poland. Territorial scope: Poland and Europe.
Section: Ubezpieczenie Następstw Nieszczęśliwych Wypadków (NNW) > Suma ubezpieczenia
Ubezpieczający zawierają umowę ubezpieczenia dokonuje wyboru górnej granicy odpowiedzialności ubezpieczyciela spośród poniższych wartości: 50 000 zł 100 000 zł 200 000 zł
Passenger Accident Insurance (NNW)
Not established from the insurer's documents
The NNW policy covers both the driver and all passengers of the insured vehicle (up to the maximum number of seats specified in the vehicle registration document). The same sum options apply: 50,000 PLN, 100,000 PLN, or 200,000 PLN. The sum is established per insured person and payment of a benefit does not reduce the insurance sum for other insureds.
Section: Ubezpieczenie Następstw Nieszczęśliwych Wypadków (NNW) > Co jest przedmiotem ubezpieczenia?
Ubezpieczeniem jest objęty kierowca pojazdu mechanicznego (wymienionego w dokumencie ubezpieczenia – polisie) oraz pasażerowie tego pojazdu.
Key conditions
Driver restrictions
The insurer has the right to seek recourse from the driver who caused damage if the driver: caused damage intentionally, was under the influence of alcohol or drugs; came into possession of the vehicle by committing a crime; did not hold the required driving licence (except when acting to save human life or property, or in pursuit of a criminal); fled the scene of the accident.
Claim notification deadline
In the event of an incident covered by compulsory OC insurance, the insured person must immediately notify the insurer. For the Green Card product, notification must occur within 14 days of a claim being filed against the vehicle owner or driver. The insurer must be notified immediately if criminal or administrative proceedings are initiated against the vehicle owner or driver.
Bonus-malus rules
The OWU does not specify explicit bonus-malus grade tables; premium is set based on individual risk assessment criteria including vehicle type, vehicle technical parameters, policyholder's previous insurance and claims history, age of the insured, and number of seats in the vehicle.
Territorial scope
Coverage applies in Poland and all EU member states; additionally in non-EU Green Card system states (Andorra, Bosnia and Herzegovina, Iceland, Norway, Serbia, Switzerland, United Kingdom); with Green Card document also in Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine.
Documents
Trasti General Insurance Terms and Conditions (valid from 26.02.2025) (opens in a new tab)
Terms & conditions · PDF
Trasti OC Insurance Product Information Document (IPID) – Zavarovalnica Triglav d.d. (opens in a new tab)
Product information sheet · PDF
Trasti OWU document index page (opens in a new tab)
Other document · PDF
Policy specifics
Green Card (International Certificate of Motor Insurance)
Not established from the insurer's documents
Free international insurance certificate provided with OC policy, required for travel to specific countries outside EU
SourceThird-party source, not the insurer's documentStatutory Guarantee Sums for OC
Mandatory minimum coverage limits set by Polish law: PLN 29,876,400 for personal injury (per event); PLN 6,021,600 for property damage (per event)
SourceSection: Najczęściej zadawane pytania > Znajdź odpowiedzi na swoje pytania > Jaka jest wysokość sumy gwarancyjnej w ubezpieczeniu OC?
W przypadku szkód na osobie suma gwarancyjna wynosi 29 876 400 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych. W przypadku szkód w mieniu suma gwarancyjna wynosi 6 021 600 zł w odniesieniu do jednego zdarzenia, którego skutki są objęte ubezpieczeniem bez względu na liczbę poszkodowanych.
Contract Duration
Not established from the insurer's documents
OC insurance contract is concluded for a period from 15 days to 12 months
SourceThird-party source, not the insurer's documentConsumer Right of Withdrawal
If the policy was concluded at a distance (via website or phone), the customer has the right to withdraw within 30 days from the date of conclusion
SourceSection: Najczęściej zadawane pytania > Znajdź odpowiedzi na swoje pytania > Wypowiedzenie i rezygnacja z polisy > Jestem klientem Trasti i chcę wypowiedzieć umowę OC, w jaki sposób i kiedy mogę to zrobić?
Odstąpienie na prawie konsumenckim – jeżeli polisa została zawarta na odległość (tzn. za pośrednictwem strony www, bądź telefonicznie) masz prawo odstąpić od umowy w terminie 30 dni od daty jej zawarcia.
Sources
- mubi.plhttps://mubi.pl/ubezpieczyciele/trasti/(opens in a new tab)
- rankomat.plhttps://rankomat.pl/files/2021-11/owu-trasti.pdf#page=2(opens in a new tab)
- rankomat.plhttps://rankomat.pl/files/2021-11/owu-trasti.pdf#page=3(opens in a new tab)
- rankomat.plhttps://rankomat.pl/files/2021-11/owu-trasti.pdf#page=5(opens in a new tab)
- site.trasti.plhttps://www.site.trasti.pl/faq(opens in a new tab)
- site.trasti.plhttps://www.site.trasti.pl/produkty(opens in a new tab)
- site.trasti.plhttps://www.site.trasti.pl/produkty/oc-i-zielona-karta(opens in a new tab)
Trasti Motor third-party liability