2025-09-06 06:00
publication
2025-09-06 06:00
The government has developed several changes in the principles of PPM OC. One of them will make life difficult for fraudsters using stolen data.
In the autumn of 2024, changes regarding the principles of compulsory civil liability insurance came into force. It was not only about the new definition of traffic and the introduction of the vehicle into traffic and higher guarantee sums. The legislator also introduced provisions, which, for example, created a special Fund for Insolvency in UFG (powered by payments of insurers).
In the near future, changes in compulsory OC insurance will come into force. They will not be spectacular, but they certainly deserve attention. Experts of the largest UNILINK insurance multiagency in Poland decided to look at the planned changes. One of them will certainly not please fraudsters using stolen personal data.
The deregulation act will be unfavorable for … fraudsters
Recently, there has been a lot of talk about deregulatory legal changes. It is worth knowing that under the banner of deregulation (as the so -called “deregulation project”) was processed, among others One of the acts regarding compulsory motor insurance. It is a draft act amending the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau and the Act on Population Register (Project Number: UDER27). “The project on June 5, 2025 was received by the Sejm, and further legislative work went quickly,” says Andrzej Prajsnar, an expert of the UNININK insurance multiagency.
On August 6, 2025, the Act of 5 August 2025 on the amendment to the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Office and the Act on population records were transferred to the President for signature. It is rather difficult to expect Vet in the case of such a little controversial legal act.
“The amendment to the regulations described is aimed at increasing the level of protection of citizens against using their personal data to illegally conclude contracts for compulsory traffic liability insurance,” explains Maciej Łoboz, an expert of the UNILINK insurance multiagency.
The insurer before selling OC will check the reserved PESEL
The Act of 5 August 2025, transferred to the President, is quite short, but this is not surprising, because only one amendment will be made to the Act on compulsory insurance. Namely, the new regulations grant the insurers the right to check (without statutory obligation) whether the PESEL number of the policyholder or the person to whom the civil liability agreement is to be concluded before.
If the verification in the reserved PESEL database shows that a given number has been reserved, the insurance company will have the right to refuse to conclude a compulsory agreement of the civil liability (despite Article 5 (2) of the Compulsory Insurance Act).
“In this context, it is worth remembering that insurance companies have a general ban on denying the sale of compulsory OC policies, which is expressed by Article 5 (2 (2) of the Compulsory Insurance Act,” reminds Andrzej Prajsnar, an expert of UniLink.
In reference to the above explanations, the question may arise, Why the government decided to introduce such additional security measures.
The authors of the amendment to the Act on compulsory insurance point out that as a result of the increasing number of theft of PESEL numbers from various records, criminals began to use the stolen PESEL-E to conclude compulsory motor insurance policies for motor vehicle owners for stolen personal data. Soon this procedure is to be much more difficult. The legal change is to enter within 3 months of announcing the new provisions.
“This is the term required due to the need to adapt the insurers' IT systems and the Insurance Guarantee Fund. UFG is to mediate in the transfer of data on reserved PESELs,” adds Maciej Łoboz, UniLink expert.
There are also other changes regarding PPM liability insurance
Information has already appeared that the government has planned to introduce other changes regarding mandatory civil liability for motor vehicle owners. We are talking about legal changes, which are rather not wide and arousing media interest, but at the same time can be quite important for drivers. Such changes are provided for by the following projects and legal acts regarding the principles of compulsory communication insurance:
- The Act of August 5, 2025 amending the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Office (transferred to the President for the signature on August 8, 2025) – the introduced provisions apply to the situation of the owner of a motor vehicle in which the vehicle right or has been transferred or has been transferred to such a person to terminate the civil liability insurance contract (communication civil) termination of the insurance contract (currently the contract is always terminated with the date of notice);
- The Act of 25 July 2025 amending the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Office (transferred to the President for the signature on August 4, 2025) – legal changes relate to enabling persons concluding a compulsory civil liability insurance contract for electronic communication throughout the entire period of the contract of such insurance;
- The government draft act amending the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau (number in the list: Uder67, the draft was received by the Sejm on August 7, 2025) – the purpose of this project is to enable UFG, as an information center, collecting in the register of insurance contracts not only REGON numbers, but also PESEL numbers of natural persons conducting business activity ( insurers of the so -called damage drivers);
- Government draft act amending the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Office (print number 1607, which received the Sejm on July 29, 2025) – this subsequent one The project tolerates the obligation of each time of cropping insurance companies with fines by KNF – among others for each case of late in the liquidation of damage;
- draft act amending the Civil Code, the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Communication Insurers' Office and the Act on insurance and reinsurance activities (number from the list: Uder73, on July 24, 2025 provided for opinions) – the planned changes are to enable insurance companies with the consent and at the customer's request to send information on a permanent carrier (including electronic mail) matters related to the liquidation of damage.
From the point of view of a typical civil liability insurance owner, i.e. an ordinary driver, The change above cited above may be the most important. The new regulations are to ensure greater flexibility to people who have acquired the ownership of the vehicle together with the policy.
The car owner thanks to this change will be able to accurately plan the continuation of protection: “Such people will be able to choose the future moment of the expiry of the vocal contract, and in this way it is easier to avoid a costly break in the continuity of insurance,” sums up Andrzej Prajsnar, UniLinek.
