POLAND: the largest share in insurance complaints last year were about motor insurance

20 April 2023 —
Nearly three-quarters of about 9,000 cases submitted to the Financial Ombudsman last year concerned property insurance, and almost half of all insurance cases referred to motor policies, Gazeta Ubezpieczeniowa wrote.

According to the report on activities in 2022, published on April 13, the Office processed a total of 12,980 cases: 8,833 applications were submitted in 2022, while the remaining 4,147 cases originated in 2021. 8,819 (99.8%) applications related to business insurance. The largest group of applications were about motor insurance - 3,166 applications (35.9%).

The Ombudsman's report also noted - 434 applications (4.9%) concerned classic life insurance contracts, 261 (2.9%) - unit-linked policies. The report shows that in 2022, 4 main groups of problems dominated:

  • refusal to recognize a claim - 4,232 applications (47.9%),
  • dispute over the amount of compensation or benefit awarded (partial refusal to recognize a claim) - 2,659 applications (30%),
  • method of shaping premium tariffs and bonus/malus coefficient, both in compulsory and voluntary insurance; return of unused premiums etc. - 571 applications (6.4%),
  • slow liquidation proceedings, which resulted in untimely settlement of claims - 313 applications (3.5%).


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