When registering a car in any EU country, you need to take out driver’s liability insurance . This is a compulsory ban that applies to all other EU countries. It covers physical and material damage to third parties in the event of an accident caused by the driver ‘s fault.
The differences between compulsory insurance between Lithuania and Poland are discussed below
Abbreviations:
Lithuania: Motor Third Party Liability Insurance TPVCA
Poland: Civil liability OC (eg Odpowiedzialność cywilna )
| Poland ( PZU insurance) | Lithuania ( BTA insurance) |
| 1. Territory of civil insurance validity: | Compulsory motor third party liability insurance is valid outside Poland (valid in most EU countries). A green card is required only in the CIS countries (for example: Russia, Belarus, Ukraine, Turkey and other countries). BUT , we recommend having a green card at all times when going outside the PL. | Compulsory civil insurance is valid only in Lithuania, a green card is required when leaving the Republic of Lithuania. |
| 2. Sums insured: | € 5,210,000 for personal injury; | € 5,000,000 for personal injury; |
| € 1,050,000 for property damage. | € 1,000,000 for property damage. |
| 3. Customer distribution: | When making an offer, the insurer takes into account the available park: | When making an offer, the insurer takes into account the available park: |
| – Individual customer (natural or legal person up to 5 vehicles) | – Small customer up to 5 vehicles | |
| – Small customer (legal entity over 5 vehicles) | – Customer over 5 vehicles | |
| – The average customer | ||
| – Big customer |
| 4. Accident notification: | As soon as possible, the term is not named. | Inform the insurer within 3 working days. |
| 5. Duration of the contract: | TPVCA contract (policy) for one year only (no option, this procedure in all insurance companies in Poland ). Payment can be made more than once. Exception: who carries out the activity (sells cars) – bans are possible for a period of 30 days or, if the vehicle is temporarily registered for 30 days, a ban for that period. | The TPVCA contract (policy) is available for both a year and several months. Payment is made once for the period for which the contract is concluded. Multiple direct debit payments are possible. |
| 6. Conclusion of the contract: | Compulsory civil liability insurance : at the latest on registration of the vehicle or on the road. Although the vehicle is not in use, it must be insured. The insurance must be valid at all times. | Compulsory civil liability insurance: at the latest on registration of the vehicle or on the road. |
| Risk: fine (see below). |
| 7. Sanctions without TPVCA ban (although not in-service but registered): | Penalties without compulsory civil insurance: | There are no penalties unless after 6 months. REGITRA deregisters the vehicle. |
| -Cars (2 minimum wages) * | ||
| -Freight transport (3 minimum wages) * | ||
| Period without insurance / percentage: | ||
| More than 14 days – 100 percent. | ||
| From 4 to 14 days – 50 percent. | ||
| Up to 3 days – 20 percent. | ||
| * 2021-01-01 minimum gross earnings of 2,800 zł |
| 8. Termination, reshuffle, extension of insurance contracts: | If at the end of 12 months the insurer is not informed about its termination (the customer did not inform), the contract is automatically extended for another 12 months and the customer must pay it. | If the insurer is not informed, the contract expires and is not automatically renewed. |
| If the vehicle is transferred to another owner, the old owner must inform the existing insurer of the change within 14 days. Car insurance (contract) remains with the new owner. | When transferring the vehicle to another owner, inform the insurer to whom the contract is left. The new owner must enter into a new contract in their own name within 14 days. | |
| If the owner of the car dies, the contract is not terminated, and its responsibility to the inherited vehicle passes. | We terminate the contract in accordance with the law, after 30 days for legal entities, unless the sales documents are delivered. | |
| We terminate the contract in accordance with the procedure provided by law, for natural persons after 30 days, for legal entities after 7 days. |
| 9. Refusal of the Insurer to pay for the damage: | 1. The person who caused the damage, the vehicle used by him and the property in it, as well as other property of the policyholder or owner of that vehicle. | 1. The person who caused the damage, the vehicle used by him and the property in it, as well as other property of the policyholder or owner of that vehicle. |
| 2. Accidents involving the use of a vehicle at airports, other enclosed areas restricted to public road traffic or at autodromes for sports competitions, training, exhibitions or driving instruction. | 2. Accidents involving the use of a vehicle at airports, other enclosed areas restricted to public road traffic or at autodromes for sports competitions, training, exhibitions or driving instruction. | |
| 3. For damage caused by acts of war due to terrorism | 3. For damage caused by acts of war due to terrorism | |
| attacks under the influence of nuclear energy | attacks under the influence of nuclear energy | |
| or an emergency; | or an emergency; | |
| 4. For damage caused to the carriage for payment | 4. For damage caused to the carriage for payment | |
| cargo or baggage contained in the offender | cargo or baggage contained in the offender | |
| in the vehicle; | in the vehicle; | |
| 5. For damage caused by loss of cash, | 5. For damage caused by loss of cash, | |
| jewelery, jewelery and works of art, | jewelery, jewelery and works of art, | |
| securities, documents, philately, | securities, documents, philately, | |
| numismatic or similar sets or objects; | numismatic or similar sets or objects; | |
| 6. Affected third parties who | 6. Affected third parties who | |
| voluntarily was in the vehicle that caused the damage | voluntarily was in the vehicle that caused the damage | |
| vehicle and knew that vehicle | vehicle and knew that vehicle | |
| stole. | stole. | |
| 7. For pollution of nature / environment. |
| 10. Recourse when: | There are circumstances when the insurer has the right to recover all or part of the amounts paid for damages from the person who caused the damage (eg when he was intoxicated, left the scene of the accident, caused the damage intentionally, did not have the right to drive, failed to report in time). accident to the insurer, the essential terms of the contract were breached) | |
| 11. Useful links (institutions): | – Motor Office (eg Polskie Biuro Ubezpieczycieli Komunikacyjnych): | Motor office: |
| https://www.pbuk.pl/ | https://www.cab.lt/ | |
| – Insurance fund (eg Ubezpieczeniowy Fundusz gwarancyjny) | ||
| https://www.ufg.pl/infoportal/faces/pages_home-page?_afrLoop=5940797487212632&_afrWindowMode=0&_adf.ctrl-state=d1c4ltglp_4 | ||
| – Accident declaration: | ||
| https://www.pzu.pl/_fileserver/item/1512848 |
| 12. Compulsory civil insurance is governed by: | 1. Additional conditions are listed in the insurance contract | 1. Additional conditions are listed in the insurance contract |
| (PL. Legal basis of the police policy (other documents) | 2. General insurance conditions | |
| 2. General insurance conditions | 3. Law on Compulsory Insurance | |
| (e.g. Ogólne warunki ubezpieczenia zawarte w odpowiednim akcie prawnym) | 4. Civil Code | |
| 3. Law on Compulsory Insurance | 5. Insurance Law | |
| (e.g. Ustawa o ubezpieczeniach obowiązkowych) | ||
| 4. Civil Code Art. 805-834 | ||
| (e.g. Code Cywilny) | ||
| 5. Law on Insurance Activities | ||
| (e.g. Ustawa o działalności ubezpieczeniowej) |
