OC/AC insurance

OC/AC for Ukrainian plates in Poland

OC is mandatory in Poland for every car. But what if you have Ukrainian plates? We cover three options — the Green Card, a border policy and Polish OC — and whether your Ukrainian history counts.

While the car is on Ukrainian plates

• a Green Card — an international OC policy valid across the EU;
• a border policy (polisa graniczna) — Polish OC for a short period for a foreign-registered car.

Driving without valid OC is forbidden, and the fine is one of the highest (even a single day late is over 1500 zł).

After registration in Poland

Once the car gets Polish plates, you need full Polish OC. AC (comprehensive) is optional: it covers theft, damage and natural events.

Will my Ukrainian history/discounts count?

It depends on the insurer. Some companies recognise a no-claims record from Ukraine if you provide a certificate (zaświadczenie) from a Ukrainian insurer; others don't and start your history from scratch. So it's worth comparing several insurers.

What affects the OC price

• driver's age and experience;
• claims history;
• city of registration;
• engine power and car age;
• the insurer itself.

💡 The fastest way not to overpay is to compare OC/AC online and pick the cheapest.

FAQ

Can you drive in Poland on Ukrainian plates with a Green Card?

Yes, for a temporary stay a Green Card or a border policy works. After registering the car you need Polish OC.

Will my no-claims record from Ukraine count?

It depends on the insurer. Some recognise it with a certificate from a Ukrainian insurer; others don't.

How is OC different from AC?

OC is mandatory liability insurance. AC (comprehensive) is optional and covers damage and theft of your own car.

What is the fine for having no OC?

One of the highest; even a few days late costs over 1500 zł.