Motor third party liability insurance for motor vehicle owners is compulsory insurance applicable when the owner or driver of a vehicle causes damage to other persons and, in accordance with applicable law, is liable for it.
Compensation is paid to the injured party by the insurance company with which the perpetrator concluded an appropriate insurance contract, and in the case of an insurance company operating in Poland under the principle of freedom to provide services – by a representative appointed by it.This insurance therefore protects both the property of the perpetrator of the incident and guarantees the injured party that its claims are settled.
In Poland, as in most European countries, this insurance is compulsory.
Pursuant to the provisions of the Act on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau, each owner of a motor vehicle registered in Poland is obliged to conclude a contract for compulsory third-party liability insurance of motor vehicle owners for damage arising in connection with the operation of the vehicle they own.
Third-party liability insurance for motor vehicle owners covers incidents occurring in the territory of Poland, as well as incidents occurring in the territory of countries whose National Bureaux are signatories of the Multilateral Agreement (i.e. EEA countries, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, Switzerland, United Kingdom).
Motor third party liability insurance is for motor vehicle owners is concluded for a period of 12 months. Exceptions to this rule are provided for in the above-mentioned Act.
Andorra
Austria
Belgium
Bosnia-Herzegovina
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Montenegro
Netherlands
Norway
Poland
Portugal
Romania
Serbia 
Slovakia
Slovenia
Spain
Sweden
Switzerland
United Kingdom