The aim of MTPL insurance is ensuring the continuity of insurance protection. This protection should last even if an insured car was sold. This is the Financial Ministry’s statement presented as an answer for a parliamentary interpellation on legal changes in the motor insurance sector.
The MP Józef Lassota – the author of the interpellation wants to change the rules of continuity of motor insurance in the cases of car selling. According to him, the previous car owner should terminate the insurance agreement. Currently this depends on the buyer’s will. If he terminates the agreement, the preceding owner will recover a part of the paid premium in proportion to the unused period of insurance protection.
The representative of the Financial Ministry, Piotr Nowak, undertook in the Ministry’s statement that MTPL insurance has a social function which is third parties’ protection against the consequences of car accidents. This is also achieved by MTPL insurance agreement continuity even if a car is sold.
Moreover, Nowak indicated that a car vendor can increase a vehicle price be adding the sum of the unused insurance premium. According to the Ministry, a vendor can also place in a sale agreement a clause about the duty of refunding a part of unused MTPL protection unless a car buyer terminates the agreement.
