Every owner of a motor vehicle is required to purchase third-party liability insurance. But what should you do if you want to cancel your current insurance? We explain how to cancel a third-party liability insurance policy.

Cancelling a Third-Party Liability Insurance Policy – When Is It Possible?

Vehicle owners most often cancel their third-party liability insurance agreement shortly before the current policy expires. Cancelling a third-party liability insurance agreement is possible in several situations. Drivers very often decide to cancel their policy after purchasing a used car. It is worth emphasising that after purchasing a car, the buyer can continue using the existing insurance or cancel it and purchase a policy from another insurance company. Other situations in which drivers cancel their third-party liability insurance include dissatisfaction with the current insurer’s services or finding a cheaper policy offer. Cancellation is also possible for a third-party liability insurance agreement concluded remotely—by phone or online. In such a situation, the agreement can be cancelled without giving a reason within 30 days of its conclusion.

How to Cancel a Third-Party Liability Insurance Agreement?

A third-party liability insurance agreement can be cancelled in several different ways. You can do so, for example, during an in-person visit to the insurer’s branch. Another option is to send the completed and signed cancellation form by registered mail via Poczta Polska. Sending a scan of the signed cancellation by email is an excellent way to save time. Before choosing this option, ask your insurer whether it accepts cancellations in electronic form.

Cancellation of a Third-Party Liability Insurance Agreement – What Information Must It Include?

If you want to cancel your third-party liability insurance, you can prepare the cancellation yourself or use ready-made templates available online. To cancel the agreement correctly, it is best to complete the third-party liability insurance cancellation form at https://wypowiadamoc.pl/. It is worth knowing that every cancellation of a third-party liability insurance agreement should contain the following information:

  • the date and place where the cancellation was prepared;
  • the vehicle holder’s personal details;
  • the vehicle owner’s contact details (address, telephone number, email address);
  • the name and address of the insurance company with which the policy was purchased;
  • the policy number;
  • the legal basis (the Act on Compulsory Insurance, with the relevant article indicated);
  • the handwritten signature of the person cancelling the third-party liability insurance agreement.

When Must a Third-Party Liability Insurance Cancellation Be Submitted?

The cancellation of a third-party liability insurance agreement must be delivered to the insurer by the applicable deadline. It must be delivered no later than one day before the current insurance expires. It is worth remembering that when a cancellation is sent via Poczta Polska, the date on which the letter is posted is taken into account. In contrast, when the cancellation is sent through any courier company, the relevant date is the date on which the form is delivered to the insurer’s registered office. If the vehicle owner fails to submit the cancellation by the specified deadline, the insurance will automatically be extended for another 12 months.

A third-party liability insurance agreement can be cancelled in various situations. Most often, drivers decide to cancel their current policy after purchasing a used vehicle or finding a better third-party liability insurance offer. To prepare the cancellation correctly, it is worth using ready-made form templates available online.