Do you have an old, broken car in your garage or in your backyard that you scrapped a long time ago? Many drivers think that at this point their duties are over. It is simply a dangerous trap which in 2025 may consequence in the imposition by the Insurance warrant Fund (UFG) of a punishment of up to PLN 8400. The physical scrapping of the vehicle itself does not end the work to have an OC insurance. The key to avoiding tremendous costs is the formal deregistration of the car at the appropriate office. Only this step relieves you from having to pay your policy and allows you to recover money for unused protection periods. This process may seem complicated, but it actually comes down to 3 simple steps. In this comprehensive guide, prepared by an expert, we will guide you through the full procedure step by step. We will explain where to return the wreckage, which papers are absolutely essential and how to effectively inform the insurer to close the subject erstwhile and for all and sleep peacefully, without fear of a call for payment.
Why is it not adequate just to scrape a car? The Trap They Forget The Driver
The fundamental mistake made by the owners of old vehicles is due to a misunderstanding of the fundamental principle. The work to have OC insurance is inextricably linked to the fact that the vehicle is registered and not to its method condition. For the UFG IT system, which monitors the continuity of policies based on data from Central Vehicle and Driver Records (CEPiK), Your car formally “exists” and must be insured until it appears in the register. Even if the car was cut into pieces at the dismantling station, without completion of the formalities in the communication department, you are inactive legally obliged to pay contributions.
This gap is the reason why UFG sends thousands of calls for payment all year. Fund algorithms reliably capture all day a break in insurance protection for a registered vehicle. In 2025, penalties for deficiency of OC for passenger cars are highly severe: for a break over 14 days, the punishment is twice the minimum wage, which translates into an amount up to PLN 8400. Ignoring this fact is simply a simple way to serious financial problems.
Step 1: Legal scrapping. Where do you return the wreck and what do you request to receive?
The first and absolutely crucial step is to put the car to legally functioning Vehicle Disassembly Station (SDP). This is highly crucial due to the fact that only specified facilities have the power to issue papers essential to de-register a car. Avoid “probable” offers from random people who want to take a wreck for a symbolic amount without any formalities – it's a simple way into a legal dead end.
Before the vehicle is surrendered, prepare the following documents:
- ID card or another identity card of the owner.
- Vehicle registration.
- Vehicle card if issued.
- License plates.
After handing over the wreckage, the dismantling station staff is required to issue you the most crucial paper throughout the process: certificate of acceptance of the vehicle for dismantling. In addition, you will receive invalidated registration, vehicle card and plates. Watch these papers like an eye in your head – without them it will be impossible to visit the office.
Step 2: Visit to the office. How to de-register a car in 2025?
With a set of papers in your hand from the dismantling station, you request to go to the communications department. It should be the office competent for your place of residence, which is the same 1 where the car was originally registered. You have a deregistration application 30 days from the date of issue of the dismantling certificate. Overshooting of that period may consequence in an administrative penalty.
At the office you will gotta present:
- Application for vehicle deregistration (form available on site at the office or on its website).
- Vehicle dismantling certificate (original, received from SDP).
- An invalidated registration.
- An invalidated vehicle card (if issued).
- License plate revoked.
- I.D. for inspection.
- Confirmation of payment of the taxation fee for the decision to de-register (usually a symbolic amount of PLN 10).
The authoritative will give you a decision to de-register the vehicle after paper verification. This authoritative confirmation that your car has been removed from CEPiK records. From that point on, the work to have an OC will yet expire.
Step 3: No more OC payments. How do I recover money for an unused period?
The last step is to settle with the insurer. Just de-registering your car does not automatically inform your insurance company about this fact. You gotta do it in person. Contact your insurer (telephone, email or individual in the branch) and submit to him decision to de-register the vehicle. You can besides attach a copy of the disassembly certificate.
Under the law, the OC insurance agreement is terminated on the day the car is deregistered. What's more, you are entitled to a refund of the contribution for the unused period of protection. The insurer has 14 days to transfer the funds due to your account from the minute you receive the notification. This is the last satisfactory stage, which not only closes the case of old commitments, but frequently allows to recover from respective twelve to even respective 100 zlotys.
In summary, the process is simple and logical: legal scrapping, visit to the office and notification of the insurer. Remembering these 3 steps is simply a warrant to avoid powerful penalties from UFG. This not only will you get free of the problem, but you will besides get your money back and you will have peace of mind.
Continued here:
You break the car, and you inactive pay the OC? This is simply a mistake that could cost PLN 8400!
