One of the least-known strengths of MTPL (compulsory motor third-party liability insurance) is that its pricing is public: insurers publish their tariffs, and every offer has to follow the published rates. That's not a technical detail – it's the very basis on which the market can be put into competition, and on which a broker's comparison gives an accurate picture.
- Under the rules in force, insurers publish their MTPL tariffs openly; a new tariff can be applied at the earliest once 60 days have passed from the day of publication.
- An insurer must accept an offer that matches its published tariff – so the premium is a matter of formula, not negotiation.
- The premium is built from rating factors: bonus-malus class, age, place of residence, vehicle characteristics, claims history and more – we won't responsibly promise you figures here.
What does tariff publication mean in practice?
An MTPL tariff is not a secret price list: under the rules in force, insurers publish their rates openly – on the MNB's publication platform, as well as on their own website and that of MABISZ – and a new tariff can be applied at the earliest once 60 days have passed from the day of publication. Calculators and broker systems calculate from these published tariffs.
For you, this gives two things: the offer isn't subjective ("for you, it's this much"), and the comparison holds up over time – the tariff can't change at the moment you take out the policy.
So why don't we publish premium figures?
Because the MTPL premium is a product of rating factors, and those factors are personal: bonus-malus class, the registered keeper's age and place of residence, the vehicle's power and age, the declared annual mileage, the payment method, claims history – typically all of these matter, weighted differently by each insurer. Two neighbours can get meaningfully different premiums for the very same car model.
That's why you won't find premium figures on this site: the numbers come from the offers generated from your own data – in minutes, using the online calculator or with me.
Tariff changes and your renewal date
An insurer can update its own tariff at any point in the year – but this typically only affects existing policies from the next policy period onward: the renewal notice reports the new premium. That's why reading the notice is a key moment: if the premium changes noticeably, you have the weeks before your renewal date to look at the market again – a separate article covers handling a renewal-date premium change.
How do you make the most of this?
The public tariff system is the consumer's friend – but only if you make use of it. The recipe: a fresh comparison at every renewal date (last year's "best" offer can be mid-table this year), weighing extras and service alongside the premium, and the mostly gap-free switching order if the decision is to move. As your broker, I work from the published tariffs, and hand over several insurers' offers in one table – the insurers compete, you decide.
Common question: can an insurer run a "promotion" mid-year?
In MTPL, the premium isn't a matter of individual bargaining or a flash sale: the insurer must accept an offer that matches its published tariff, and cannot depart from it with an individual discount. What the market advertises as a "promotion" is really a tariff element: a discount built into the rate itself (for example, for e-communication or annual payment), available to anyone who meets its conditions. Two lessons follow for you: there's no need to rush for a flashy "deal just for you" slogan – the same tariff is still there tomorrow; but it is worth knowing what the discounts actually require, because they depend on the commitments you make. The public nature of tariffs is the consumer's peace of mind: in the MTPL market there's no "sharper negotiator" – only a well-informed decision-maker.
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