OSAGO calculator without providing personal data - does this solution work?

Third party liability insurance is required for each driver - separately for each vehicle in the garage. The amount of the premium depends both on the parameters of a particular car and on the history of its owner. The statistics clearly show that young people are more likely to be the cause of collisions and accidents. Want to pay less? Drive according to the rules, be careful, and with more experience on the roads, there will be more and more discounts. An OC calculator without providing personal data is a dream that will not come true without far-reaching changes in legislation and turning the entire insurance system on its head, or rather the wheels. Such instruments often indicate only an indicative amount. The indicated amounts do not constitute proposals within the meaning of the Civil Code.

Liability calculators often allow you to conclude a distance contract

For many drivers, this is a very convenient solution. Just fill out the form, consider the offer, and if the conditions turn out to be attractive, confirm the purchase of the policy with an electronic qualified signature or a trusted profile, or send back the signed scans of the printed contracts that come to your inbox. Each OC calculator looks a little different - one consists of many windows with several dozen questions, in others the fields to fill out can be counted on the fingers.

A lot depends on how a particular tool works.

Some insurance companies require first and last name, PESEL number, information about family members, how the vehicle is used or where it is parked. Detailed data allows you to calculate an individual allowance for a particular person and present him with a binding offer. 

There are also companies that are completely satisfied with the registration number of the vehicle and the date of birth of the owner - or owners, if more than one person has shares in the car.. This civil liability calculator then uses data from external systems:

• Insurance Guarantee Fund;
• Central Register of Vehicles and Drivers;
• Euronologist

Insurers need a lot of information to calculate premiums

As a result, you do not specify personal data in the form, but the TU still has access to them, only from another source. Even if a family member or (non)friend has a car of the same model of the same year and in the same condition, they may still pay a different premium than you in the same company.. For insurers, the following are important:

• age and health of the driver;
• sex;
• family status;
• family situation;
• lending a car to other drivers (for example, children);
• residence;
• routes traveled (length, type of roads, their location).

Theoretically, the more details, the more personalized and allegedly more profitable offer from the OC calculator. A lot also depends on the car itself and its history. It is known that the insurance of an Englishman, as they say for right-hand drive cars, will be more expensive than a policy for a "traditional" car. In addition, some online tools are not used to quickly conclude contracts, but only to collect contact information of potential customers.

Do you have doubts about the OS? Contact a consultant or agent!

Personal communication takes much more time than all online activities. However, for less informed people - mostly retirees, but not only - direct contact with a person will be a less stressful decision. The complexity of clauses in contracts or the behavior of agents towards clients is a separate issue.

Free liability calculators certainly help in making a difficult decision, which is the choice of auto insurance. Remember that the price is not everything - you should carefully read all the conditions of various companies, and only then evaluate them.. Sometimes the more expensive premium also covers accident insurance, for which you will have to pay a much higher amount in the cheaper option.