Car Insurance (OC, AC, OCG)
Car Insurance OC (Mandatory Civil Liability Insurance)
What it is:
OC is a mandatory policy for all car owners in Poland. It covers damages caused by you to third parties in the event of an accident — repair of damaged vehicles, medical treatment of victims, and compensation for material or moral losses.
Optionally, you can add extra coverage such as NNW (Accident Consequences Insurance) or extended Assistance.
When it’s required:
—Always, if you own a registered vehicle!
—Without valid OC insurance, you cannot use your car. High fines apply even for a one-day gap between policies.
What it provides:
— Financial protection in case of damage to others;
— Peace of mind in case of an accident — the insurer covers the costs;
— Legal protection in case of lawsuits.
What you need to get it:
— Vehicle registration certificate;
— Proof of identity of the owner;
— In some cases — previous insurance history for discounts or additional vehicle/owner details.
Car Insurance AC (Autocasco – Voluntary Vehicle Insurance)
What it is:
AC is voluntary insurance that covers damage to your own vehicle — regardless of who is at fault in the accident. It also covers theft, vandalism, natural disasters, and damage caused by animals.
When it’s useful:
— in the event of an accident caused by you;
— in case of vehicle theft;
— when the car is damaged due to natural phenomena;
— in case of vandalism or collision with animals.
What it provides:
— compensation for repair or vehicle value;
— protection of your investment in the car;
— the possibility to get a replacement vehicle during repairs (depending on the package).
What you need to get it:
— vehicle registration certificate;
— proof of identity of the owner;
— vehicle condition assessment or technical inspection (sometimes required).
Border Insurance (OC graniczne – Short-Term Car Liability Insurance)
What it is:Border OC is short-term mandatory civil liability insurance for vehicle owners entering Poland from abroad without a valid OC policy or an international “Green Card.”
It is a temporary policy that allows you to legally drive in Poland and other EU countries.
When it’s useful:
— when entering Poland with a vehicle registered outside the EU;
— if the international “Green Card” is missing or expired;
— when buying a car abroad and transporting it to Poland;
— when a foreign OC policy is not recognized in Poland.
What it provides:
— legal driving in Poland and most EU countries;
— financial protection for damages caused to third parties in an accident;
— avoidance of fines and legal problems during border or road inspections.
What you need to get it:
— vehicle registration documents;
— passport or another ID.
Duration:
The OC graniczne policy is usually valid for 30 days (sometimes longer, depending on your needs) and does not renew automatically.
Interested in insurance? Leave your contact details and we will get in touch with you shortly.
1. General Provisions
Theese Terms and Conditions of the Service define the rules for processing and protecting personal data of users of the website https://strahovki.pl, as well as the social media pages of Biały Pies sp. z o.o., in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (GDPR).
The Policy regulates the collection, use, storage, and protection of personal data, including the use of automated technologies.
Biały Pies sp. z o.o. pays special attention to the protection of personal data and processes them exclusively for the purposes specified in this Policy.
2. Data Controller
The controller of personal data is:
Biały Pies sp. z o.o.
UL. KROWODERSKA 3 / 1, 31-141 KRAKÓW
NIP: 6772394321
REGON: 362814498
Email: strahovki@gmail.com
3. Sources and Categories of Personal Data
Personal data may be obtained:
4. Purposes and Legal Bases for Processing Personal Data
Personal data are processed on the basis of Article 6 GDPR for the following purposes:
4.1. Performance of a Contract — Art. 6(1)(b) GDPR for the purpose of organizing consultations, providing services, and carrying out actions prior to entering into a contract at the request of the User.
4.2. Legitimate Interests of the Controller — Art. 6(1)(f) GDPR for the purpose of:
4.3. User Consent — Art. 6(1)(a) GDPR for the purposes of analytics, statistics, and marketing activities, including the use of cookies, Google Analytics, Google Tag Manager, and Meta Pixel.
The User has the right to withdraw consent at any time.
5. Recipients of Personal Data
Personal data may be transferred to:
Due to the use of Google and Meta services, personal data may be transferred to third countries, including the United States of America, based on standard contractual clauses approved by the European Commission, in accordance with Article 46 GDPR.
7. Data Retention Periods
Personal data are stored for the period necessary to achieve the purposes of processing, or until consent is withdrawn by the User, unless otherwise required by applicable law.
8. User Rights
The User has the right to:
9. Cookies and Similar Technologies
The website uses cookies and similar technologies for the purpose of:
10. Obligation to Provide Data
Providing personal data is voluntary; however, failure to provide certain data may result in limited access to some website functionalities or services.
11. Updates to the Terms and Conditions
Biały Pies sp. z o.o. reserves the right to amend theese Terms and Conditions of the Service. The current version is always available on the website.
12. Limitation of Liability
12.1. Informational Nature of Materials
All information published on the website https://strahovki.pl, on social media, and provided during consultations is of a general informational nature and does not constitute legal, tax, or official advice of any governmental authority.
The Controller does not guarantee that the information provided is complete, up to date, or suitable for the User’s specific individual situation.
12.2. No Guarantee of Results
Biały Pies sp. z o.o. shall not be liable for:
12.3. User’s Actions and Decisions
The Controller shall not be liable for:
12.4. Third Parties and External Services
The Controller shall not be liable for:
12.5. Technical Failures and Security
The Controller shall not be liable for:
12.6. Limitation of Liability to the Extent Permitted by Law
To the maximum extent permitted by applicable law and judicial decisions, the liability of Biały Pies sp. z o.o. is limited solely to direct damages and shall not extend to lost profits, indirect, incidental, or consequential damages.
Nothing in this section shall limit or exclude the Controller’s liability where such limitation or exclusion is prohibited by law.
Last updated: 17 December 2025.
Theese Terms and Conditions of the Service define the rules for processing and protecting personal data of users of the website https://strahovki.pl, as well as the social media pages of Biały Pies sp. z o.o., in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (GDPR).
The Policy regulates the collection, use, storage, and protection of personal data, including the use of automated technologies.
Biały Pies sp. z o.o. pays special attention to the protection of personal data and processes them exclusively for the purposes specified in this Policy.
2. Data Controller
The controller of personal data is:
Biały Pies sp. z o.o.
UL. KROWODERSKA 3 / 1, 31-141 KRAKÓW
NIP: 6772394321
REGON: 362814498
Email: strahovki@gmail.com
3. Sources and Categories of Personal Data
Personal data may be obtained:
- through contact forms on the website;
- via messengers (WhatsApp, Telegram, Viber, Messenger);
- through interactions on social media;
- automatically via cookies and analytical tools.
4. Purposes and Legal Bases for Processing Personal Data
Personal data are processed on the basis of Article 6 GDPR for the following purposes:
4.1. Performance of a Contract — Art. 6(1)(b) GDPR for the purpose of organizing consultations, providing services, and carrying out actions prior to entering into a contract at the request of the User.
4.2. Legitimate Interests of the Controller — Art. 6(1)(f) GDPR for the purpose of:
- responding to User inquiries;
- storing correspondence and chat history;
- maintaining CRM systems and contact history;
- establishing an evidentiary basis;
- staff training and quality control.
4.3. User Consent — Art. 6(1)(a) GDPR for the purposes of analytics, statistics, and marketing activities, including the use of cookies, Google Analytics, Google Tag Manager, and Meta Pixel.
The User has the right to withdraw consent at any time.
5. Recipients of Personal Data
Personal data may be transferred to:
- providers of CRM systems, hosting, and IT services;
- analytical and marketing service providers;
- Google and Meta companies in accordance with their privacy policies.
Due to the use of Google and Meta services, personal data may be transferred to third countries, including the United States of America, based on standard contractual clauses approved by the European Commission, in accordance with Article 46 GDPR.
7. Data Retention Periods
Personal data are stored for the period necessary to achieve the purposes of processing, or until consent is withdrawn by the User, unless otherwise required by applicable law.
8. User Rights
The User has the right to:
- access their personal data (Art. 15 GDPR);
- request rectification of data (Art. 16 GDPR);
- request erasure of data (“right to be forgotten”) (Art. 17 GDPR);
- request restriction of processing (Art. 18 GDPR);
- receive personal data for transfer to another controller (Art. 20 GDPR);
- object to the processing of data (Art. 21 GDPR);
- withdraw consent at any time (Art. 7 GDPR);
- lodge a complaint with the supervisory authority — the President of the Personal Data Protection Office (Prezes Urzędu Ochrony Danych Osobowych, UODO) (Art. 77 GDPR).
9. Cookies and Similar Technologies
The website uses cookies and similar technologies for the purpose of:
- ensuring proper functioning of the website;
- analyzing user behavior;
- conducting marketing activities.
10. Obligation to Provide Data
Providing personal data is voluntary; however, failure to provide certain data may result in limited access to some website functionalities or services.
11. Updates to the Terms and Conditions
Biały Pies sp. z o.o. reserves the right to amend theese Terms and Conditions of the Service. The current version is always available on the website.
12. Limitation of Liability
12.1. Informational Nature of Materials
All information published on the website https://strahovki.pl, on social media, and provided during consultations is of a general informational nature and does not constitute legal, tax, or official advice of any governmental authority.
The Controller does not guarantee that the information provided is complete, up to date, or suitable for the User’s specific individual situation.
12.2. No Guarantee of Results
Biały Pies sp. z o.o. shall not be liable for:
- decisions made by governmental authorities, including voivodeship offices, consulates, border services, and migration authorities;
- refusals to issue visas, residence permits, work permits, or citizenship;
- processing times of applications by public authorities;
- changes in legislation, administrative practice, or internal procedures of public authorities.
12.3. User’s Actions and Decisions
The Controller shall not be liable for:
- actions or omissions taken by the User based on information obtained from the website or during consultations;
- errors, inaccuracies, or incomplete information provided by the User;
- consequences arising from the User’s independent use of information without additional verification or professional legal advice.
12.4. Third Parties and External Services
The Controller shall not be liable for:
- content, privacy policies, or actions of third parties or external websites to which links may be provided;
- the operation of messengers, social media platforms, email services, or other external platforms;
- interruptions, failures, or errors in the operation of Google, Meta, hosting providers, or CRM systems.
12.5. Technical Failures and Security
The Controller shall not be liable for:
- temporary unavailability of the website;
- technical errors, software malfunctions, or server failures;
- loss of data caused by circumstances beyond the Controller’s control, including cyberattacks, actions of third parties, or force majeure events.
12.6. Limitation of Liability to the Extent Permitted by Law
To the maximum extent permitted by applicable law and judicial decisions, the liability of Biały Pies sp. z o.o. is limited solely to direct damages and shall not extend to lost profits, indirect, incidental, or consequential damages.
Nothing in this section shall limit or exclude the Controller’s liability where such limitation or exclusion is prohibited by law.
Last updated: 17 December 2025.