Poland car insurance: cash only?

The end of the month approaches, as does the renewal date of the car insurance. sadly the latter gets here first.

As the car is still on HP we need to go to the salon and get the approved insurance. My wife rang them to ask if this year we could pay by credit card, as i really don't like walking in with 1000 zlots in cash.

Apparently not... not the fault of skoda... it's the insurance company rules, we are told.

Now, considering my dentist takes credit cards, why the hell can't an insurance company?

This always sucks...


What's the problem here?


by bank transfer certainly if they are so backward with it. The date of transfer is what counts, so screw them, make them come to your place if you buy full insurance, I do that if I don't have time.

I thought it was the showroom itself. When we bought the car we wanted to put down a deposit and they wouldn't take plastic...


Thinking of it for the future. Still need to get the quote, though.

We contacted the main office in town and they said we had to go through the showroom.

Which one?


Didn't they inform you (amount, deadline etc) that you can pay by bank transfer?

Am I really the only person who'd be paying this in 10 grosze coins?

I mean, I can understand them not wanting to take credit card payments, what with the credit card charges, but to insist on cash only is stupid. I'm a firm believer that people should get back what they give out, doubled.

Insurance companies are beneficial for two things on a consumer level:

1: legal requirement
2: you can rip them off

The credit card company takes a percentage for processing,between 2-4%. Car dealers and insurance resellers work on low coms, so that is the most obvious reason.


If you are going with another insurance company for example Warta over Hestia. You have to give notice in writing to your existing insurance company informing you are not continuing, I believe it is 14 days in advance otherwise there is a automatic continuation.

Hestia.


My wife's the main holder of the insurance (it's technically her car... another annoying story) and she is usuually pretty hot on admin etc. She says she contacted the main office and they said we'd have to deal with the showroom office direct (less paperwork etc) but apparently the office nixed the transfer idea too. Must be some crossed lines somewhere.


Ah, that makes sense. Thanks.

We have seen some examples of your retort on PF lol

Sounds like they simply don't have the facilities for taking it. Nothing to do with the insurance company (if not plastic, then bank transfers would be normal) - but everything to do with the dealership being a bit dodgy.

Sorry Delph, I do not agree with you, you can't call a company dodgy just because they don't take plastic, I know many good company's that don't take plastic.

Yes, but how many do you know which won't accept bank transfers as payment?

These guys are the main Skoda dealer in town. Full showroom, the lot.

re: the bank transfer, I think it's just a case of them doing the paperwork face to face and it being a bit complicated to do a transfer.

And they don't have a card terminal? The mind boggles... how are you supposed to pay for pricey dealer-repairs?


To be honest, there's really no excuse in Poland for not accepting transfers - the law even considers "proof of transfer' (ie, a print out) to be proof of the transaction, so all they have to do is get you to take a printout to them!

You'd think such a business would want to avoid handling cash!