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Car Insurance in Poland (A/C)


smurf 39 | 1,982
14 Mar 2012  #1
Hi

So, I think I'm gonna buy a car here, it's a 12 year old Audi A4, tis a feckin beast of a machine...I know it's old but they're classic cars and built like tanks. Anyway went calling up the missus' insurance provider and they said they wont gimme A/C insurance on a car that old....only O/C. Total bullsht....so if some dckhead hooligans smash my windows they won't cover me and the same if it's stolen....bloody nonsense. Does anyone here know of any insurance company in Poland that'll give A/C on cars older than 12?

Cheers.
Harry
14 Mar 2012  #2
My misses' cousin is an insurance broker. I'll get her to drop him a text.

You might want to contact your local Audi dealer and ask about their in-house insurance agent (who will probably be brand specific). I insure my car through an in-house agent at a dealer which sells my car and the rate is a lot better than what the misses' cousin was able to offer.
OP smurf 39 | 1,982
14 Mar 2012  #3
Will it matter Harry that I'm not buying it from the dealer, but from a 2nd hand saloon? Probably not, but ya know, this is Poland, everything is possible.
Harry
14 Mar 2012  #4
Not sure. I bought from a dealership but not at the dealership where I now get my insurance.
OP smurf 39 | 1,982
14 Mar 2012  #5
ah might be ok then, yea sure I'll contact them anyway, cheers man
InWroclaw 89 | 1,915
8 Sep 2012  #6
Sounds like I, as a Briton with a UK DVLA licence, can just very easily drive a Polish person's car if they (foolishly!) agree to it? All I need do is carry my licence, and the car insurance document and car registration document, and Bogdan's your uncle.
Harry
8 Sep 2012  #7
That's exactly right.

For bonus points, carry the old style British licence (the kind with no photo), always makes Polish police reconsider what they were planning.
delphiandomine 83 | 17,679
8 Sep 2012  #8
Sounds like I, as a Briton with a UK DVLA licence, can just very easily drive a Polish person's car if they (foolishly!) agree to it?

Exactly :)

A much, much better system. The only drawback is that you get morons driving fast cars under their parents names.
InWroclaw 89 | 1,915
8 Sep 2012  #9
Tell me about 'em!

Nearly got run over this morning on a crossing by a driving school car, instructor abruptly slammed the brakes on when the rather lovely young woman behind the wheel treated me as if I were invisible. Story of my life with women, but that's another show ;o)

(I just waved and laughed, really got to have a SOH in Poland!)
Harry
8 Sep 2012  #10
A much, much better system.

I disagree entirely with that. One of the key points in assessing insurance rates is who will be driving the vehicle. Under the Polish system I basically subsidise the morons who cannot drive, drive drunk, crash their cars on a weekly basis, etc etc. The only person who drives my car is me but it's not possible for me to get an insurance policy which reflects the fact that the only driver of that car has, in more than two decades of driving, made exactly one insurance claim and never had even a single point on his licence. Instead my policy covers any and all legal drivers, from the 18-year old who passed his test last month and still thinks that driving real cars is just like driving the ones in the video game arcades where he holds all the top-scores to the 50-year old who bought his licence in the 70s and has lost it seven times since then for dangerous driving and driving while drunk.
Zibi - | 336
8 Sep 2012  #11
Strange. Somehow, my insurers have always asked me if anyone else but me would drive the vehicle. They are specifically inquiring if anyone under 26 yo. would be using it. I always say, no, no... and they adjust their rate accordingly.
peter_olsztyn 6 | 1,098
8 Sep 2012  #12
my insurers have always asked me if anyone else but me would drive the vehicle.

and this is crucial to the system, difference between 305zł and 1250zł. I'm not going to lose my discount :)
InWroclaw 89 | 1,915
8 Sep 2012  #13
So, am getting confused now.

Are some of you saying that not all insurance policies allow any driver, or that not all insurance policies allow any driver under 26?

I am over 26, and have a UK licence only.
peter_olsztyn 6 | 1,098
9 Sep 2012  #14
or that not all insurance policies allow any driver under 26?

Cost of living rise. We are not going to sponsor our adult kids. Let's they start your own life.
Cars are cheap like never before.
InWroclaw 89 | 1,915
9 Sep 2012  #15
You have mis-translated my question. I was asking if what I heard was true - IE (that is) that if a car is insured in Poland, any EU licensed driver over 26 is covered/protected by the insurance policy on the car.
peter_olsztyn 6 | 1,098
9 Sep 2012  #16
You have mis-translated my question.

No I have not. It wasn't an answer to you. Just point out that majority of us choose no one else but me would drive the vehicle to reduce costs. I don't know the answer what happens when police catch you with insurance policy which has point "no one else but me would drive the vehicle" checked

or in case of accident if insurance company refuse to pay a settlement.

so check the policy first. If not checked = you are entitled to drive (imho).
delphiandomine 83 | 17,679
9 Sep 2012  #17
You'd be nailed for driving without insurance, surely?
MIkepoland
25 Aug 2015  #18
I am a UK citizen with Polish residency. I want to put my car in storage in my garage whilst I carry out extensive restoration work on it, also cancel my car insurance. My Polish insurance agent says it is not possible and even in the garage it legally requires insurance.I questioned him again about it asking at what point when the car is stripped down does it no longer qualify as a car....no answer! Appreciate any advice.
Polsyr 6 | 769
25 Aug 2015  #19
As far as I know, what the insurance agent told you is correct. If the car will go back on the road one day then it must remain insured during storage. Anyone else knows otherwise?
Roger5 1 | 1,458
25 Aug 2015  #20
at what point when the car is stripped down does it no longer qualify as a car

Good question. To put it another way, if I build a kit car, at what point does it become a car? I'd like to see a definitive legal answer to this as I find it hard to believe that a car which isn't in use has to be insured. Insured against what?
delphiandomine 83 | 17,679
25 Aug 2015  #21
I want to put my car in storage in my garage whilst I carry out extensive restoration work on it, also cancel my car insurance.

It's pretty simple. Does it have registration plates? Yes? Then you need to pay insurance. If you hand the plates back to the registration office and cancel the car registration, then you don't need to pay insurance.

As long as it has plates (regardless of condition), then you're obliged to pay insurance. It's actually very sensible when you think about it...
Roger5 1 | 1,458
25 Aug 2015  #22
Yes, I suppose it makes things simple. I believe that registered classic car owners do not have to pay 12 months' insurance. I'm told that this exemption allows owners to use their precious cars only during the summer months for enthusiasts' rallies.
Hadrian
26 Aug 2015  #23
If you are looking for the best insurance for your car, go to the site poland insurance quote. This is the best office I've ever seen in Poland, complete professionalism.
istannbullu34 1 | 104
27 Aug 2015  #24
Hello,

So I want to add a question here too.

Any suggestions about which insurance company you would offer for OC and AC? I have totally around 1 year insurance background in Poland and have a Polish license. My insurance (OC) will end around 45 days.

I have 7 year old car and it is not an expensive one-renault but still I want to also have AC - so OC and AC together for a reasonable amount-that I can also pay with 2 installments. Any suggestion would be appreciated.
Looker - | 1,022
27 Aug 2015  #25
I am using car insurance price comparison - you may be surprised how different prices for one car can be in Poland for OC/AC in different companies:

rankomat.pl/kalkulator/oc-ac/#/
istannbullu34 1 | 104
12 Oct 2015  #26
Thanks looker, correct, for my car it comes from 500 to 1000 pln just for OC and I am surprised to see they are putting a lot to the total amount when you want to pay with 2 installments.
adamm19830 10 | 43
19 Aug 2016  #27
Merged: Car Insurance - estimate

Hello,

I have been on axa direct.pl looking for car insurance and I'm finding it rather long winded to get a quote so wondered if anyone could give me a ball park figure.

Car is a Polish registered Range Rover Sport 2008 3.6l diesel.

I'm 32 yrs old and it will be the first car I'm owning and driving in Poland. I'm a UK citizen living in Poland.

Any rough guesses for insurance would be appreciated.
terri 1 | 1,624
19 Aug 2016  #28
Go to a place where they can offer you insurance so they can search. You do not have to buy - but go there for advice anyway.
OP smurf 39 | 1,982
19 Aug 2016  #29
Any rough guesses for insurance would be appreciated.

rankomat.pl

Insurance comparison site
ELLIOTWICKS96 - | 3
13 Jun 2017  #30
I was wondering if anyone can help me out I'm 21 and I live in the UK I would like to buy a car when in Poland and I am there at least 3/4 times a year , would it be possible to get a friend to insure the car for me and to keep it at their address but I can still use the car under their insurance


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