OC/AC insurance

Will your Ukrainian no-claims count for OC

Buying OC in Poland, many Ukrainians find their insurance history starts 'from zero' — without their years of no-claims from Ukraine. Here's when that record can be recognised and how to save.

Are insurers obliged to count a Ukrainian record?

No. Polish insurers are not obliged to automatically count a foreign (non-EU) record. So a new client from Ukraine is often insured as if driving for the first time — which is more expensive.

When the record is recognised

Some insurers do recognise a no-claims history from Ukraine if you provide a certificate (zaświadczenie) from a Ukrainian insurer — stating the insured period and absence of claims, ideally with a sworn translation. Other companies won't accept such a certificate.

What to prepare

• a certificate from your Ukrainian insurer on the policy period and no-claims;
• a translation of the document;
• car and driver details for the quote.

Key point. Because approaches differ, the price gap between insurers can be significant precisely because of the record. So don't take the first policy — compare several.

What else affects the OC price

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

AC (comprehensive) is optional and priced separately. More on the OC/AC difference in a separate guide.

FAQ

Will my no-claims record from Ukraine count for OC?

Not always. Some insurers recognise it with a certificate from a Ukrainian insurer plus a translation; others start the history from zero.

What's needed to have the record counted?

A certificate (zaświadczenie) from your Ukrainian insurer on the insured period and absence of claims, with a sworn translation.

Why do OC prices differ so much?

Because insurers treat a foreign record differently — so it's worth comparing several offers.

Is the record counted for AC?

AC is optional; the approach to discounts also depends on the insurer.