mObywatel OC and inspection reminders: when are they not enough?

mObywatel, the Polish government app, has a section called Moje pojazdy (“My vehicles”). It’s a handy way to check when your vehicle inspection (przegląd techniczny) is due and whether your OC — the compulsory third-party motor insurance — is valid, using official data and at no cost². 4.5 million people already use it (figures from July 2026)³. Below we explain exactly what the app shows, when its reminders arrive and when you’ll need something more.

What Moje pojazdy shows

• Car details: make, model, year of manufacture, registration number and VIN¹.
• Vehicle inspection due date and the odometer reading recorded by a vehicle inspection station or the police¹.
• Your current OC policy¹.
• Vehicle history: inspections, changes of owner and the last recorded odometer reading¹.

The data comes from the Central Vehicle Register (Centralna Ewidencja Pojazdów, part of the CEPiK system), so you can’t add or correct it yourself; to fix an error, contact the vehicle registration office (wydział komunikacji)¹. It doesn’t refresh automatically either — only when you tap Aktualizuj (Update) next to the vehicle¹. The Insurance Guarantee Fund (Ubezpieczeniowy Fundusz Gwarancyjny, UFG) passes information about new policies to the register periodically, but not on a fixed schedule, so a new OC policy may take a while to appear in the app¹.

If you’re buying a used car, the Sprawdź OC (“Check OC”) service is useful. It tells you whether a given vehicle has a valid policy on a date you choose — all you need is the registration number, the VIN or the policy number².

When mObywatel reminds you about OC and your inspection

The app sends three reminders before and after your OC policy or vehicle inspection expires: 14 days before the expiry date, the day before and 3 days after¹.

For the inspection, that’s usually enough. For OC, two weeks isn’t long if you want to compare offers without rushing and cancel in time. An OC contract runs for a year, and unless you cancel it in writing by the day before it ends, it renews automatically for another 12 months. The insurer must send you information about the next year’s cover, including the premium, at least 14 days before the period ends⁴.

If you miss the deadline, you don’t have to stay with your current insurer for the whole year. Once you’ve bought OC from another insurer, you can cancel the automatically renewed policy in writing, and the insurer can charge you only for the period it actually covered⁴.

In two common situations the contract doesn’t renew, and you must buy new OC no later than the day your current policy ends⁴:

• the premium for the year that’s ending hasn’t been paid in full — for example, an instalment is still outstanding;
• you bought the car with the previous owner’s policy still running — that contract ends when the period it was taken out for expires.

Even a single day without OC means a fine from UFG — our guide to the no-OC fine explains how much.

What Moje pojazdy doesn’t cover

• Leased, company and rented cars. You’ll only see vehicles you own or co-own¹.
• Cars with foreign plates. Moje pojazdy only shows vehicles registered in Poland¹, so a car on, say, Ukrainian plates won’t appear there.
• Oil, tyres and servicing. Reminders cover only OC and the vehicle inspection¹.
• Costs and receipts. You can’t add your own information about a vehicle in the app¹, so there’s nowhere to record a brake pad change, the cost of a repair or a photo of an invoice.

mObywatel and Zovano compared

How to use both apps

Check your inspection due date and OC end date in Moje pojazdy — that’s the official data. Enter them in Zovano. By default, it reminds you 30, 7 and 1 day before each date, so you’ll have time to compare OC offers before your policy ends. Add your oil and tyre change dates too, and log costs as you go. After an inspection or a change of insurer, update the relevant date in Zovano.

Zovano is an independent app, not affiliated with mObywatel or the Ministry of Digital Affairs.