How quickly can I estimate the amount of insurance for my car?

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Car Third Party Insurance is a mandatory policy for all vehicle owners. The insurance coverage is the same in all insurance companies, but the final third party liability price may differ significantly.

Motor Third Party Liability insurance, i.e. civil liability, is the only insurance required for motor insurance in Poland. It allows you to compensate for the consequences of an event caused by the driver of the vehicle to other participants in a crash, accident or other undesirable events.

Third-party car insurance

In choosing the best third party liability insurance, it is worth to be guided by the price of the policy. The amount of insurance can be estimated within a few moments. With the help of the AC OC calculator or the OC insurance comparator. With such solutions, you can easily and quickly determine the amount of insurance online.

In order to be able to calculate the insurance amount, you need to provide some information. First of all, you need to know the details of the vehicle you want to insure. These include the brand, model, year of manufacture, type of body, type of fuel tanked, and gearbox. It is worth knowing the origin of the car (whether it was bought in the country or abroad), as well as anti-burglary security (alarm, transmission lock, immobilizer and other anti-theft security). Insurers also demand the approximate number of kilometres travelled (the previous mileage) and the potential number of kilometres travelled during the year.

Factors influencing the value of third party liability insurance

Please note that, according to the law, the guarantee amounts for civil liability insurance are EUR 1 million for property damage and EUR 5 million for personal damage in any insurance company. A huge difference is the price of policies, which in the case of the same car may differ significantly in the insurance companies. They are influenced by, among others, the age of the driver, the place where the car will be used, the parking place where the car will be parked at night, the year of obtaining the driving licence and the number of years of civil liability insurance.

As experts point out, the final amount of insurance for a car is also dependent on the number of damages from insurance in recent years. It is worth bearing in mind that the market prices of third party insurance policies are constantly changing, so it is advisable to calculate the premium amount before each contract renewal to prevent unnecessary overpayment.