On 6 April 2025, Komisja Nadzoru Finansowego (‘KNF’) issued a decision prohibiting Insurance JSC ‘DallBogg: Life and Health’, with its registered office in Sofia (‘DallBogg’), from the pursuit of the business of insurance in the territory of the Republic of Poland in respect of Class 10 non-life insurance¹ – in the scope that covers entering into motor third-party liability insurance contracts for vehicle holders (‘motor third-party liability insurance’; PL: ‘OC ppm’), excluding the carrier’s third-party liability.

The decision was issued on the ground that the organisational structure of DallBogg was not adapted to the scale of the business pursued in the territory of the Republic of Poland. This mismatch resulted in numerous irregularities in the process of claim adjustment under motor third-party liability insurance contracts.

The decision was made immediately enforceable. DallBogg may request that the KNF review the case or it may lodge an appeal with the Provincial Administrative Court in Warsaw [Wojewódzki Sąd Administracyjny w Warszawie].

Important information for DallBogg customers in reference to the KNF's decision

By its decision², the KNF prohibits DallBogg from entering into motor third-party liability insurance contracts, which will also affect the process of entering into such contracts as a result of applying a renewal clause³. 

Status of motor third-party liability insurance contracts entered into with DallBogg

The existing motor third-party liability insurance contracts remain valid, and DallBogg is obliged to process claims reported and to pay compensations that are due. 

Any motor third-party liability insurance contract entered into after 17 April 2025 will constitute a violation of the prohibition by DallBogg. 

Automatic renewal

1. Motor third-party liability insurance contracts renewed by 17 April 2025 remain valid.
2. After 17 April 2025, the contracts will not be renewed automatically, also through an insurance agent/broker. In this case, a new motor third-party liability insurance must be immediately entered into with another insurance company.

Consequences of lack of motor third-party liability insurance 

In the case of failure to meet the obligation to enter into a motor third-party liability insurance contract, the vehicle owner is obliged to pay a fee. 

Fees in 2025

In the absence of a motor third-party liability insurance contract, the holder of a motor vehicle bears full financial liability for any damage caused during an accident or collision. 

Verification of insurance coverage 

It is possible to verify, through the Insurance Guarantee Fund (Ubezpieczeniowy Fundusz Gwarancyjny (UFG)), whether the holder of a motor vehicle is covered by motor third-party liability insurance as at specific date, in person or via the UFG website: Identification of motor third-party liability insurance contract as at a specific date.

Seeking rights under motor third-party liability insurance

DallBogg is obliged to process claims under valid motor third-party liability insurance contracts. Claims should be reported to the address specified in the motor third-party liability insurance contract or in the insurance policy.

Instructions on how to report claims are available on DallBogg website: https://dallbogg.pl/contacts/, where contact details of the DallBogg representative responsible for claim adjustment are provided:

DioDea Poland sp. z o.o.
ul. Chmielna 132/134, Floor 5
00-805 Warszawa, Poland
office.pl@diodea.eu

Telephone: 22 290 40 90

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¹Indicated in part A of Annex I to Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II)
²Issued based on Article 214(5) in conjunction with Article 214(4a) of the Act of 11 September 2015 on the business of insurance and reinsurance
³Arising from Article 28(1) of the Act of 22 May 2003 on compulsory insurance, the Insurance Guarantee Fund, and the Polish Motor Insurers’ Bureau, and resulting in an ‘automatic renewal’ of motor third-party liability insurance contracts