Whether the car is used for personal commuting or commercial purposes. Mandatory Requirements
OC covers damage you cause to others, including health and property, but it does not cover your own vehicle's damage or stolen items like cash. Cost Insights (April 2026) Personalizacja stroju (OC) 1.2
Your age and the date you obtained your license significantly impact the final price. Whether the car is used for personal commuting
💡 If you meant "OC" as "Original Character" in a specific game or mod (version 1.2), this term is often used in communities like Cyberpunk 2077 or The Sims. However, current data primarily links this specific phrase to insurance calculation for 1.2-liter cars. 💡 If you meant "OC" as "Original Character"
A 1.2L engine generally results in lower premiums compared to high-displacement engines (like 2.0L or higher).
You no longer need a physical paper copy of your policy; police can verify it digitally in the CEPiK database.
The average price for OC in April 2026 was approximately 644 PLN , though 1.2L engines often fall below this average.