On October 8, 2025, the Council of Ministers adopted a draft bill introducing amendments to several key legal acts, including the Civil Code and laws governing mandatory insurance, the Insurance Guarantee Fund (UFG), the Polish Motor Insurers’ Bureau (PBUK), and insurance and reinsurance activities.
The amendment is deregulatory and clarifying in nature. Its main goal is to remove interpretative doubts regarding the use of electronic correspondence in relations between insurance companies, the UFG, and clients.
Electronic Correspondence Instead of Paper
Once the new regulations come into force, insurers and the UFG will be able – with the client’s consent and request – to conduct correspondence electronically, including via email. This change will simplify and speed up communication, eliminating the need to send documents in traditional paper form.
According to the explanatory memorandum, the current requirement for correspondence to be conducted “in writing” has often been interpreted as excluding electronic forms. For businesses in the insurance sector, this has created administrative barriers and hindered customer service processes.
Clear Rules for Communication
The amendment clarifies how communication between insurance companies, the UFG, and clients should take place, introducing clear provisions that allow the use of modern forms of information exchange. The government notes that this change is part of broader deregulatory efforts aimed at aligning Polish legislation with digital realities and market needs.
Thanks to the new solutions, clients will gain greater flexibility in choosing how they communicate with their insurers, while institutions will be able to provide services more efficiently and promptly.
The new regulations are set to take effect 30 days after their publication in the Journal of Laws (Dziennik Ustaw).
Source: ceo.com.pl
