Changes to motor insurance laws are being introduced on 14 October 2011, 1 January 2012 and 11 February 2012.

From 11 February 2012, policyholders with two overlapping third-party motor insurance policies will be able to terminate one of them, instead of having to wait until one expires.

From the same date, insurers will be obliged to:

  • give policyholders at least 14 days' notice of the renewal date for their third-party motor insurance
  • reimburse the Insurance Guarantee Fund where it is shown to have paid a benefit that the insurer should have paid (this confirms the existing practice).

In addition, all insurers, (whether or not they offer third-party motor insurance) will be required to:

  • provide documents about claims in electronic format where requested by policyholders or injured parties
  • treat documents as delivered to their head office when they are delivered to their insurance agents. This will mainly affect unit-linked insurance products, since they are likely to make null and void the commonly-used provision that units can only be converted or redeemed once a request is delivered to the insurers' head office.

Law: Act amending the Act on Obligatory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau and certain other Acts.

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The original publication date for this article was 23/11/2011.