What is liability insurance?
The purpose of a third party liability insurance policy for motor vehicle owners is to provide financial protection to the insured person in the event of damage to other road users. The policy covers both personal and material damage. Third-party liability insurance only covers damage caused to third parties. In the event of a collision or road accident, the insurance company will cover damage resulting from the actions of the driver driving the insured vehicle.
Penalties for lack of third party liability insurance in 2025
The prices of third party liability insurance policies are quite high, but it is not worth giving them up, because the lack of third party liability insurance can cost dearly. Penalties for lack of third party liability insurance are much higher than the highest fine, and in the event of a road collision, the consequences may be even more costly.
The principle is simple. The fine for not having third party liability insurance is higher the longer you drive without insurance. The lowest rate applies to drivers who have delayed third party liability insurance payment for up to three days. After two weeks, the punishment reaches its maximum level.
Penalty rates for lack of third party liability insurance effective from January 1, 2025
|
Late payment of third party liability insurance |
Passenger car |
Trucks and buses |
Other vehicles (e.g. motorcycles) |
|
Up to 3 days |
PLN 1,870 |
PLN 2,800 |
PLN 310 |
|
From 4 to 14 days |
PLN 4,670 |
PLN 7,000 |
PLN 780 |
|
Over 14 days |
PLN 9,330 |
PLN 14,000 |
PLN 1,560 |
Penalties are only imposed for the year in which the lack of insurance is detectedso the maximum penalty imposed by the Insurance Guarantee Fund may be at the level of the amount determined for the lack of third party liability insurance for more than 14 days.
How will I find out that I have been fined for not having third party liability insurance?
After UFG determines that a given vehicle did not have valid third party liability insurance and verifies the period during which the car was driven without insurance, UFG sends an official notification to the vehicle owner about the fine imposed. This notification contains detailed information about the period for which the penalty was imposed, the amount of the penalty and the method and date of its executionLatin. The vehicle owner has the right to appeal against the UFG’s decision about imposing a penalty. The deadline for submitting such an appeal will be indicated in the notification received. After considering the appeal, the UFG may uphold its decision or cancel the imposed penalty. It may also reduce the amount of the penalty, postpone the payment deadline or divide the payment of the penalty into installments without interest.
An accident without third party liability insurance means a financial disaster
The real problems begin when a driver driving an uninsured car causes an accident. The guarantee fund will cover all damages to the victims of the accident, both material and personal, but will later ask the perpetrator to cover these amounts.
UFG data shows that The average amount of the claimed recourse is currently approximately PLN 20,000. zloty. This is the average value. In some cases, the amounts may reach up to PLN 2 million. To collect such amounts, the UFG has appropriate tools, of course, as long as the perpetrator still has any assets.
