Stroju (oc) 1.2 — Personalizacja

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)

A 1.2L engine generally results in lower premiums compared to high-displacement engines (like 2.0L or higher).

A history of accident-free driving is the most effective way to "personalize" your rate for a discount. Personalizacja stroju (OC) 1.2

You no longer need a physical paper copy of your policy; police can verify it digitally in the CEPiK database.

💡 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. OC covers damage you cause to others, including

The average price for OC in April 2026 was approximately 644 PLN , though 1.2L engines often fall below this average.

In Poland, OC insurance is for all motor vehicles. You no longer need a physical paper copy

Whether the car is used for personal commuting or commercial purposes. Mandatory Requirements