I don't know either - they have been changing the rules recently. But I am not sure how much respect there is for the law anyway. Seeing people with no crash helmets and 10 year olds on scooters is not uncommon.
But to answer your other questions - no I don't think you could (safely) ride in winter, it would be too slippery and too cold most of the time.
If you do need insurance then it won't cost much. I only paid something ridiculously cheap like 50 zloty for my bike insurance and that's on a 1200 cc machine.
SeanBM: I think this is a better system
It's better in that you can lend your vehicle to anyone and not worry about who is and isn't insured. It's worse in that your vehicle needs to be continuously insured by law even if your vehicle is off the road for 6 months of the year (e.g. my motorbike in winter). That seems silly to me...
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