{"id":2905,"date":"2025-03-04T23:02:02","date_gmt":"2025-03-04T23:02:02","guid":{"rendered":"https:\/\/pbuk.pl\/?page_id=2905"},"modified":"2026-01-08T18:39:14","modified_gmt":"2026-01-08T16:39:14","slug":"domestic-insurance","status":"publish","type":"page","link":"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/oc-krajowe\/","title":{"rendered":"Domestic civil liability insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2905\" class=\"elementor elementor-2905\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5232f5 e-flex e-con-boxed e-con e-parent\" data-id=\"a5232f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2ecf93 elementor-widget elementor-widget-template\" data-id=\"f2ecf93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"6345\" class=\"elementor elementor-6345\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5509023f e-flex e-con-boxed e-con e-parent\" data-id=\"5509023f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-546da10b elementor-widget elementor-widget-shortcode\" data-id=\"546da10b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav class=\"pbuk-breadcrumbs\" aria-label=\"breadcrumb\" itemscope itemtype=\"https:\/\/schema.org\/BreadcrumbList\"><ul><li itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><a itemprop=\"item\" href=\"https:\/\/pbuk.pl\/en\/\"><span itemprop=\"name\">Home<\/span><\/a><meta itemprop=\"position\" content=\"1\" \/><\/li><li class=\"sep\" aria-hidden=\"true\">><\/li><li itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><span itemprop=\"name\">Motor third party liability<\/span><meta itemprop=\"position\" content=\"2\" \/><\/li><li class=\"sep\" aria-hidden=\"true\">><\/li><li itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><span itemprop=\"name\">Domestic civil liability insurance<\/span><meta itemprop=\"position\" content=\"3\" \/><\/li><\/ul><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72ef746 e-con-full e-flex e-con e-parent\" data-id=\"72ef746\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c40b40f elementor-widget elementor-widget-template\" data-id=\"c40b40f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"2923\" class=\"elementor elementor-2923\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dcce95a e-flex e-con-boxed e-con e-parent\" data-id=\"7dcce95a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-559f22d7 e-con-full e-flex e-con e-child\" data-id=\"559f22d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dfb7226 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7dfb7226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f05dc4c elementor-widget elementor-widget-heading\" data-id=\"3f05dc4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><p>Motor third party liability insurance is a compulsory insurance that applies in situations where the owner or driver of a vehicle causes damage to other persons and, in accordance with applicable law, is liable for such damage.<\/p>\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e527849 e-con-full e-flex e-con e-child\" data-id=\"e527849\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65ae5023 elementor-widget elementor-widget-image\" data-id=\"65ae5023\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-element-65ae5023{display:none !important}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4296bf6 elementor-widget elementor-widget-image\" data-id=\"4296bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-no-translation=\"\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"526\" src=\"https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/07\/OC_komunikacyjne_EN-1024x673.jpg\" class=\"attachment-large size-large wp-image-6097\" alt=\"\" srcset=\"https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/07\/OC_komunikacyjne_EN-1024x673.jpg 1024w, https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/07\/OC_komunikacyjne_EN-300x197.jpg 300w, https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/07\/OC_komunikacyjne_EN-768x505.jpg 768w, https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/07\/OC_komunikacyjne_EN-18x12.jpg 18w, https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/07\/OC_komunikacyjne_EN.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65d34be e-flex e-con-boxed e-con e-parent\" data-id=\"65d34be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4afbfd0 e-con-full e-flex e-con e-child\" data-id=\"4afbfd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27e0ea2 elementor-widget elementor-widget-template\" data-id=\"27e0ea2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"6238\" class=\"elementor elementor-6238\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-383e1903 e-con-full e-flex e-con e-child\" data-id=\"383e1903\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3430f26 elementor-position-left elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"3430f26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/pbuk.pl\/wp-content\/uploads\/2025\/01\/akty-prawne-icon.svg\" class=\"attachment-full size-full wp-image-2085\" alt=\"\" \/><\/figure><div class=\"elementor-image-box-content\"><h2 class=\"elementor-image-box-title\">Motor third party liability<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-894591f elementor-nav-menu--dropdown-none elementor-widget elementor-widget-nav-menu\" data-id=\"894591f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;}}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-text e--animation-none\">\n\t\t\t\t<ul id=\"menu-1-894591f\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2910\"><a href=\"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/oc-krajowe\/\" class=\"elementor-item\">Domestic civil liability insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-558\"><a href=\"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/zielona-karta\/\" class=\"elementor-item\">Green Card<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-557\"><a href=\"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/ubezpieczenie-graniczne\/\" class=\"elementor-item\">Frontier insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-894591f\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-2910\"><a href=\"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/oc-krajowe\/\" class=\"elementor-item\" tabindex=\"-1\">Domestic civil liability insurance<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-558\"><a href=\"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/zielona-karta\/\" class=\"elementor-item\" tabindex=\"-1\">Green Card<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-557\"><a href=\"https:\/\/pbuk.pl\/en\/oc-komunikacyjne\/ubezpieczenie-graniczne\/\" class=\"elementor-item\" tabindex=\"-1\">Frontier insurance<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a56eec0 e-con-full content e-flex e-con e-child\" data-id=\"a56eec0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e275d1 elementor-widget elementor-widget-text-editor\" data-id=\"2e275d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Compensation for the injured party is paid by the insurance company, with which the perpetrator has concluded an appropriate insurance contract, and, in the case of an insurance company operating in Poland on the basis of the freedom of services \u2013 by its appointed representative.<\/p>\n<p>Therefore, this insurance protects both the property of the person responsible for the accident, as well as guarantees the injured party that their claims will be satisfied.<\/p>\n<p>In Poland, as in most European countries, this insurance is <a href=\"\/en\/green-card-system\/map-of-the-system\/\">compulsory<\/a>.<\/p>\n<p>In accordance with the provisions of the Act on Compulsory Insurance, the Insurance Guarantee Fund, and the Polish Motor Insurers\u2019 Bureau, every owner of a motor vehicle registered in Poland is obliged to conclude a compulsory motor third party liability insurance contract for damage caused in connection with the movement of his\/her vehicle.<\/p>\n<p>MTPL insurance for motor owners covers incidents that occur in Poland as well as incidents that occur on the territory of countries, whose National Bureaux are signatories of the <a href=\"#\" class=\"pbuk-popup-link\" data-popup-type=\"OC\" data-toggle=\"modal\" data-target=\"#pbukPopup\">Multilateral Agreement<\/a> (i.e. <a href=\"#\" class=\"pbuk-popup-link\" data-popup-type=\"EOG\" data-toggle=\"modal\" data-target=\"#pbukPopup\">EEA countries<\/a>, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, Switzerland, United Kingdom).<\/p>\n<p>Motor third party liability insurance is concluded for a period of 12 months. Exceptions to this rule are provided for in the <a href=\"https:\/\/isap.sejm.gov.pl\/isap.nsf\/DocDetails.xsp?id=WDU20031241152\" target=\"_blank\" rel=\"noopener noreferrer\">Act on Compulsory Insurance, UFG and PBUK<\/a>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2644,"parent":548,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2905","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/pages\/2905","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/comments?post=2905"}],"version-history":[{"count":6,"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/pages\/2905\/revisions"}],"predecessor-version":[{"id":8226,"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/pages\/2905\/revisions\/8226"}],"up":[{"embeddable":true,"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/pages\/548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/media\/2644"}],"wp:attachment":[{"href":"https:\/\/pbuk.pl\/en\/wp-json\/wp\/v2\/media?parent=2905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}