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Polish car insurance and how it compares to England


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 Jun 19, 08, 15:09    #1
Car insurance, can someone answer this question. Do the Poles have a similar system to the uk, ie 3rd party and comprehensive. More specifically, if someone was insured to drive their mother's car (ie added to their mother's insurance policy) would they be insured to drive any car?

benszymanskiThreads: 9
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 Jun 19, 08, 15:53    #2
Car insurance across the EU has been standardised by a number of directives.

See the link on the Europa.eu website which clearly says that "Wherever you are travelling in the EU, your car insurance policy will automatically provide the minimum cover (third party liability) required by law"

They have 3rd party (called O.C.) which gives you the minimum cover required by law. Of course you can pay more for higher levels of cover. Insurance is typically bought through agents (like the UK 20 years ago..) but you can buy direct from some of the big companies who have started advertising on TV about it.

To answer your specific question - no, probably not. In Poland it is the car that is insured rather than the person, so normally if I insure my car then anyone with a licence can drive it, rather than I can drive any car (as I might expect in the UK).

But that might give you what you are after anyway - if you just want to be able to drive someone else's car?
sausageThreads: 25
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 Jun 19, 08, 15:59    #3
thanks for your answer.

it was already my understanding that the insurance was "with the car" rather than "with the person" but I wanted to hear it from someone with personal experience.

basically the girlfriend wants to drive my car. the fact that it's her mother's insurance is the first obstacle (but irrelevant anyway!) and the fact that the Polish insurance is car-orientated is the second obstacle.
benszymanskiThreads: 9
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 Jun 19, 08, 16:04    #4
I'm confused now - where's your car registered? Who's the registered owner?
sausageThreads: 25
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 Jun 19, 08, 16:07    #5
My car is in the uk, uk registered, by me.
Girlfriend Polish (she drives her mother's car in Poland).
Basically she won't be insured to drive it, anywhere!
VaFunkooloThreads: 7
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 Jun 19, 08, 16:11    #6
Insurance with Polish cars is with the car itself rather than an individual person. In my experience you can drive any car as long as you have the insurance documents (car documents) with you whilst driving it
benszymanskiThreads: 9
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 Jun 19, 08, 16:11    #7
Ah OK got it. In which case no, you're presumption is correct.
You would need to add her to your UK policy. The good news is that insurance companies are not supposed to be allowed to charge her extra for not having a UK licence (they are not allowed to discriminate across EU licence holders). The bad news is that she doesn't have any no-claims bonus whatsoever having never held her own policy.
sausageThreads: 25
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 Jun 19, 08, 16:15    #8
I'll just have to avoid mentioning it and hope she doesn't ask again!
lenethThreads: -
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 Apr 25, 09, 05:46    #9
its easy!!in other country it is a tipical process!!its too easy in poland!!
-----------------------------------
leneth
OLLiN  Apr 5, 10, 11:08    #10
I'm British and am plannig on buying a Polish registered VW Passat or a Volvo V40 and driving it back the the UK. Was going to buy a Mini but, too small. I am looking at getting insurance through a UK broker agent or on a basic comprison site, but would it be worth doing AC or OC insurance in Poland?
gumishuThreads: 17
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 Apr 5, 10, 12:17    #11
OLLiN
OLLiN:
I'm British and am plannig on buying a Polish registered VW Passat or a Volvo V40 and driving it back the the UK. Was going to buy a Mini but, too small. I am looking at getting insurance through a UK broker agent or on a basic comprison site, but would it be worth doing AC or OC insurance in Poland?


I think it would - but you will have to drive the car with Polish plates - don't know what that involves (except driving back to Poland for your yearly MOT test)
delphiandomineThreads: 42
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 Apr 5, 10, 12:35    #12
gumishu:
I'm British and am plannig on buying a Polish registered VW Passat or a Volvo V40 and driving it back the the UK.


Why on earth? Car prices are significantly higher here!
gumishuThreads: 17
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 Apr 5, 10, 12:41    #13
delphiandomine:
Why on earth? Car prices are significantly higher here!

but the insurance cost is significantly lower delphi
delphiandomineThreads: 42
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Edited by: delphiandomine  Apr 5, 10, 12:59    #14
gumishu:
but the insurance cost is significantly lower delphi


Not necessarily so - it depends on the circumstances.

(you also need valid Polish residency to buy a car - as he's British and presumably without Polish residency papers, he can't register a Polish car anyway)
HarryThreads: 62
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 Apr 5, 10, 17:03    #15
delphiandomine:
(you also need valid Polish residency to buy a car - as he's British and presumably without Polish residency papers, he can't register a Polish car anyway)
Not true. The reality is that anybody can buy a car here but the car can only be registered for as long as the person is legally in Poland for.
dnzThreads: 25
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 Apr 5, 10, 18:33    #16
Polish car insurace is expensive, fully comp is almost unheard of and I personally don' think i'd trust a PL insurer to pay out if there was a claim (I wouldn't trust any insurer but PL ones are probably worse)

On the plus side the Polish way of insuring a car as opposed to a single driver and a car is excellent.
HarryThreads: 62
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 Apr 5, 10, 20:51    #17
dnz:
On the plus side the Polish way of insuring a car as opposed to a single driver and a car is excellent.
Why? Both the driver and the car will impact on a correct risk assessment.
warszawaski  Apr 6, 10, 00:02    #18
OLLiN:
I'm British and am plannig on buying a Polish registered VW Passat or a Volvo V40 and driving it back the the UK. Was going to buy a Mini but, too small. I am looking at getting insurance through a UK broker agent or on a basic comprison site, but would it be worth doing AC or OC insurance in Poland?


Firstly you will have to register the car as a non resident. For this you will require a residence in poland. If you do not have an address you cannot register the car or get insurance. If you buy a car in germany lets say Berlin it is very easy to register and the insurance is very cheap.
OLLiN  Apr 6, 10, 10:24    #19
Okay :)

gumishu: There is a ridiculous loophole in the British law, allowing anyone with a car not registered in the UK to drive it for 6 months with no charge on roadtax, but if the car leaves at anypoint for 24 hours then returns, the 6 months is topped up.

Delphi: Cars are much cheaper in Poland than the UK. for a 2002 Volvo V40 the UK price is £2750, in Poland it's half that, and the car was in much better condition. Residency wouldn't really be a problem as my Brother and Sister-in-law live in Krakow. my brother will be buying the car for me as a late birthday present!

Harry: that is what i was hoping, the car will only be in Poland for the week i am there for the wedding, then driven back to the UK.

Dnz: I like the idea of insuring the car instead of the driver as my current insurance for a 2002 Mitsubishi Colt is nearly £4000!

warszawaski: so is it worth buying a car in germany instead? the residency of my brother is not yet 100% as they might be moving back here for a while. Germany. Euro? Polish PLN is better exchange rate for me!!

thanks.
HarryThreads: 62
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 Apr 6, 10, 10:29    #20
A 2002 Volvo V40 for 5,000zl? That sets off all sorts of alarm bells!
delphiandomineThreads: 42
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Edited by: delphiandomine  Apr 6, 10, 10:44    #21
Harry:
A 2002 Volvo V40 for 5,000zl? That sets off all sorts of alarm bells!


It sets off a lot of alarm bells! It's almost certainly going to be a cut and shut wreck for that price - the average price on Allegro at the minute is 20,000zl.

OLLiN:
gumishu: There is a ridiculous loophole in the British law, allowing anyone with a car not registered in the UK to drive it for 6 months with no charge on roadtax, but if the car leaves at anypoint for 24 hours then returns, the 6 months is topped up.


It's not so much a loophole, more simply the British aren't interested as long as the car is legal somewhere in the EU.

OLLiN:
Delphi: Cars are much cheaper in Poland than the UK. for a 2002 Volvo V40 the UK price is £2750, in Poland it's half that, and the car was in much better condition.


Whoever quoting you that price is quite frankly lying through their teeth. Second hand cars in Poland are at least 20% more expensive - I've just had a look now on Allegro and found the average price for a 2002 Volvo V40 to be in the region of 20,000zl, or about 5000 pounds. You do see "bargains" in Poland - but these are almost certainly written off cars that have major structural failings, yet have passed the technical check because someone knows someone.

Even my own example - a plain, dull Astra, is worth about 30% more here than in the UK.

Harry:
A 2002 Volvo V40 for 5,000zl? That sets off all sorts of alarm bells!


Can you say "scam"? :)

It's hard to even get a pre-2000 Ford Ka for 5000zl in decent condition!
dnzThreads: 25
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 Apr 6, 10, 12:42    #22
A Volvo V40 for 5000 pln, In the UK yes for a moon mileage one,

cgi.ebay.co.uk/2001-VOLVO-V40-I-SILVER_W0QQitemZ250609518496QQc mdZViewItemQQptZAutomobiles_UK?hash=item3a597dc7a0

The reason for this is that they are **** and just a rebodied mitsubishi charisma.

The price of cars here is ridiculous, Our winter car is a 97 bmw 320i Its in immaculate condition and we picked it up in the UK for next to nothing, Here in PL you're talking 3k for the same car.

I seriously wouldn't buy anything in Poland due to the fact that most of the vehicles on the road have been crashed and bodged back together some with serious structural damage ie pillars and the roof. Even once repaired they give the car strong or weak points which weren't engineered into the car so when you crash it it won't perform as it should. Also the chances are it will drive like a bag of **** due to the fact that Poles don't seem to ever put cars on the jig to check alignment etc
OLLiN  Apr 13, 10, 16:28    #23
Hmmm.
Crap.

Just insured my current drive for a year, looked at german VW's... CHEAP! XD and i don't have to be a resident to purchase one. although my aunty could always do so if i needed.

Thanks for the help guys :)

I want a mercedes now... ;)



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