WARTA Motor third-party liability (Oc Posiadaczy Pojazdow Mechanicznych)
Underwritten by TUiR WARTA S.A. · Poland
motor third-party liability insurance from WARTA for the Poland market, with online purchase.
Verified Aug 18, 2026 · Terms dated 2023-12-18Sources
Key facts
- WARTA
- Starting price: PLN 375per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Ranked #1 in motor claims quality in Poland by the Financial Ombudsman's 2025 report, based on the fewest complaints relative to market share.
Assistance Standard roadside help (towing up to 100 km) is included at no extra cost with every OC policy, with optional upgrades to Złoty, Złoty+ or Platynowy tiers.
OC Szybka Wypłata (available in the OC Komfort package) enables direct settlement of vehicle damage claims up to PLN 500,000 caused by third-party drivers from other insurers, without chasing the at-fault party's insurer.
Fully online policy purchase and renewal available via the OC/AC calculator, with payment by card, fast transfer, or BLIK.
Coverage extends automatically across all Multilateral Agreement signatory countries, with a Green Card available for travel beyond this zone.
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
Excluded
Legal defence is not included in the base MTPL policy. It may be available as a separate voluntary product.
Green Card (International Insurance Certificate)
Optional
The base OC policy covers events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement. A Green Card (Zielona Karta) is a separate certificate required for travel to Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. It can be obtained from Warta upon request.
Section: Najczęstsze pytania o ubezpieczenie OC
Albania, Azerbejdżan, Maroko, Mołdawia, Macedonia, Tunezja, Turcja, Ukraina. Więcej o procedurach i zasadach dotyczących OC komunikacyjnego za granicą na stronie www.pbuk.pl
Roadside Assistance (Standard)
Covered
Assistance Standard is included with every Warta OC policy at no additional charge. It covers towing up to 100 km within Poland in the event of an accident, plus informational support. Extended tiers (Złoty, Złoty+, Platynowy) providing broader coverage including breakdown assistance and higher towing limits are available as optional paid add-ons.
Section: Najczęstsze pytania o ubezpieczenie OC
Przy czym w wariancie Assistance Standard dodawanym do OC gwarantujemy holowanie do 100 km. Chcąc wydłużyć ten limit, należy dokupić szerszy wariant assistance – Złoty.
Driver Personal Accident
Excluded
Personal accident cover for the driver is not included in the base MTPL policy. It is available as a separate voluntary NNW (Następstwa Nieszczęśliwych Wypadków) product from Warta.
Key conditions
Driver restrictions
There are no driver-age restrictions in the base MTPL policy. Coverage applies to the registered holder and any driver of the vehicle listed in the policy. Warta retains the right of recourse against a driver who caused damage intentionally, while drunk or under influence of narcotics, who entered possession of the vehicle through a crime, who lacked required driving licence, or who fled the scene of the accident.
Claim notification deadline
In the event of an accident, the policyholder must promptly notify Warta of the event and provide all necessary explanations and information. The Police must be notified immediately if there are human casualties or circumstances suggesting a crime was committed. The policyholder must also provide other parties to the event with information necessary to identify the insurer and the contract details.
Bonus-malus rules
Warta applies a bonus-malus system based on claims history. Premium calculation uses automated profiling based on data from the application, claims history from previous Warta policies, data from the Central Vehicle and Driver Register (CEPiK), and information from the Insurance Guarantee Fund (UFG). No-claims discounts accumulate over time; at-fault claims may result in premium surcharges.
Territorial scope
Events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement; border OC (OC Graniczne) valid in EEA countries and Switzerland
Documents
Policy specifics
Fast Claim Settlement (OC Szybka Wypłata)
Direct claim settlement service for vehicle damage caused by third-party OC policyholders from other insurers, up to PLN 500,000
SourcePage 1Section: Jakiego rodzaju jest to ubezpieczenie?
Suma ubezpieczenia, stanowiąca górną granicę odpowiedzialności Warty, wynosi 500 000 zł w odniesieniu do każdego zdarzenia objętego ochroną.
Statutory Minimum Coverage Limits
PLN 29,876,400 for bodily injury per event; PLN 6,021,600 for property damage per event (as per Polish mandatory insurance law)
SourceSection: Najczęstsze pytania o ubezpieczenie OC
Pokrywamy roszczenia poszkodowanych przez Ciebie w wypadku aż do 29 876 400 złotych w przypadku szkód na osobie, czyli np. urazów ciała czy śmierci wskutek wypadku. Do 6 021 600 złotych odpowiadamy za zniszczone przez Ciebie mienie, np. inne auto, dom, infrastrukturę drogową.
Territorial Coverage Scope
OC coverage applies to events in Poland and countries whose National Bureaus are signatories to the Multilateral Agreement; Green Card available for international travel
SourcePage 1Section: Gdzie obowiązuje ubezpieczenie?
ubezpieczenie OC posiadaczy pojazdów mechanicznych obejmuje zdarzenia powstałe na terytorium Rzeczypospolitej Polskiej, a także zdarzenia powstałe na terytorium państw, których Biura Narodowe są sygnatariuszami Porozumienia Wielostronnego
Standard Assistance Included
Road assistance included with OC covering towing up to 100 km in Poland and information support after accidents
SourceSection: Najczęstsze pytania o ubezpieczenie OC
Przy czym w wariancie Assistance Standard dodawanym do OC gwarantujemy holowanie do 100 km.
Automatic Renewal
OC policy automatically renews for subsequent 12-month periods unless policyholder cancels at least one day before expiry
SourceVehicle Ownership Transfer Notice Requirement
Policyholder must notify Warta in writing within 14 days of transferring vehicle ownership and provide new owner's details
SourcePage 2Section: Co należy do obowiązków Ubezpieczonego?
poinformowanie Warty na piśmie w ciągu 14 dni od dnia przeniesienia prawa własności pojazdu o dokonanej transakcji oraz o danych nowego posiadacza
Claims Notification Deadline
Policyholder must notify Warta of the event without delay and provide the necessary explanations and information
SourcePage 2Section: Co należy do obowiązków Ubezpieczonego?
niezwłoczne powiadomienie Warty o zdarzeniu, a także udzielenie Warcie niezbędnych wyjaśnień i przekazanie posiadanych informacji
Direct Claims Settlement System (BLS)
If a Warta OC policyholder's vehicle is damaged in a two-vehicle collision by a driver insured with another insurer in the BLS system, the claim can be filed directly with Warta, which settles with the at-fault driver's insurer
SourceSection: Co zyskujesz
Jeśli jesteś poszkodowanym w kolizji dwóch pojazdów, a sprawca szkody ma ubezpieczenie OC posiadaczy pojazdów w innym towarzystwie, należącym do systemu BLS, to wypłacimy Ci odszkodowanie i załatwimy formalności z ubezpieczycielem sprawcy.
Sources
- warta.plhttps://www.warta.pl/documents/dokumenty_archiwalne/samochod/WARTA_OC_posiadaczy_pojazdow_mechanicznych_IPID_do_18122023.pdf#page=1(opens in a new tab)
- warta.plhttps://www.warta.pl/documents/dokumenty_archiwalne/samochod/WARTA_OC_posiadaczy_pojazdow_mechanicznych_IPID_do_18122023.pdf#page=2(opens in a new tab)
- warta.plhttps://www.warta.pl/documents/oferta_dla_ciebie/OWU_WARTA_OC_Szybka_wyplata_C6332_IPID.pdf#page=1(opens in a new tab)
- warta.plhttps://www.warta.pl/ubezpieczenie-oc/(opens in a new tab)
WARTA Motor third-party liability