PBUK

What PBUK does

PBUK (Polskie Biuro Ubezpieczycieli Komunikacyjnych, or Polish Motor Insurers' Bureau) is a statutory non-profit organization recognized by the government of the Republic of Poland that groups the 36 insurance undertakings offering mandatory motor third-party liability insurance (OC komunikacyjne) on Polish territory. Established under the Act on Compulsory Insurance, UFG and PBUK, and operating as Poland's National Bureau in the international Green Card System since 1958 (formally constituted with legal personality in 1996), PBUK issues Green Card international insurance certificates valid across 47 countries, organizes or directly settles claims arising in Poland from vehicles registered abroad, and acts as the Compensation Body and Information Centre for cross-border motor-insurance matters across the EEA.

PBUK's service portfolio centers on three statutory product areas — domestic OC Komunikacyjne, the Zielona Karta (Green Card), and Ubezpieczenie graniczne (border insurance for non-Multilateral Agreement countries) — and is delivered through a website-based portal (pbuk.pl), member-only digital platforms (E-dokumenty, Dla członków), correspondent and claims-representative directories, multilingual joint accident-report forms, and direct telephone/email/in-person channels at its Warsaw headquarters. Underlying technology is standard web infrastructure rather than proprietary technology; there is no documented public or partner API, no mobile app, and no disclosed AI capability.

PBUK's revenue model is non-commercial: the organization is funded by statutory contributions/assessments from its 36 member insurance companies rather than fees charged to the public. All services to individuals — insurer identification, cross-border claim coordination, Information Centre assistance, claims representative lookup — are provided free of charge. The entity is governed by a Council (Rada PBUK) and led by President Mariusz Wichtowski (who also served as President of the Council of Bureaux) and Vice President Piotr Zadrożny (appointed November 7, 2025), supported by a lean staff of 7 employees.

Name

PBUK

Legal name

Polskie Biuro Ubezpieczycieli Komunikacyjnych

Website

https://pbuk.pl

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

PBUK is Poland's statutory Motor Insurers' Bureau, grouping 36 domestic insurers to issue Green Cards and settle cross-border motor TPL claims as Poland's National Bureau in the Green Card System.

Ownership category

akta.pro rank

Product category

Motor Insurance Bureau Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAMAC

Motor Vehicle Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJAMAE

General Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJAAAF

Full-Coverage Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Personal Auto Insurance

Keywords

• Motor insurance bureau
• Green Card insurance certificates
• Cross-border claims settlement
• Information center services
• Compensation body services

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Membership assessments / statutory contributions: PBUK is a statutory organization established by law (ustawa o ubezpieczeniach obowiązkowych, UFG i PBUK) that groups insurance undertakings offering mandatory motor third-party liability insurance in Poland. Its operations are funded through contributions/assessments from its 36 member insurance companies rather than direct revenue from customers.

Distribution channels4 records

Marketing channels5 records

Core offering

PBUK is a statutory non-profit National Bureau that groups 36 Polish insurance companies offering mandatory motor third-party liability (OC komunikacyjne) insurance. It issues Green Card international insurance certificates valid in 47 countries, organizes and directly settles claims caused in Poland by foreign-registered vehicles, operates as the Compensation Body for EEA cross-border claims, and runs the Information Centre providing data on motor insurance contracts and claims representatives. All public-facing services are provided free of charge, funded through membership contributions from its 36 member insurers.

Product overview

PBUK (Polskie Biuro Ubezpieczycieli Komunikacyjnych) is a national bureau operating the Polish Motor Insurers' Bureau, which coordinates motor third party liability insurance across Poland. The organization's portfolio centers on three core insurance products: OC Komunikacyjne (domestic motor TPL insurance), Zielona Karta (Green Card international insurance certificates), and Ubezpieczenie graniczne (border insurance for non-Multilateral Agreement countries). Supporting these are service platforms including the E-dokumenty member portal, Dla członków portal for insurance company members, the Wspólne Oświadczenie accident report form in three languages, and two searchable directories for correspondents and claims representatives. The organization also provides two specialized functions: the Ośrodek Informacji (Information Center) for locating foreign insurers and claims representatives, and the Organ Odszkodowawczy (Compensation Body) for escalated claims processing. Online query forms enable accident victims to identify at-fault parties' insurers for incidents in Poland or abroad. PBUK does not sell insurance policies directly; it facilitates claims handling, issues Green Card certificates on behalf of member insurers, and coordinates cross-border accident settlements within the Green Card System framework.

Differentiator

Problem solved

Functional benefit

Products and services

• OC Komunikacyjne (Domestic Motor Third Party Liability Insurance) Mandatory motor third party liability insurance framework for vehicles registered in Poland. PBUK coordinates this insurance on behalf of its 36 member insurance companies, with coverage extending to Polish territory and Multilateral Agreement countries including EEA states, Andorra, Serbia, Bosnia and Herzegovina, Montenegro, Switzerland, and the United Kingdom.
• Zielona Karta (Green Card) International Insurance Certificate serving as proof of motor third party liability insurance coverage, valid in other Green Card System countries and recognized by authorities without additional formalities or fees. Issued by PBUK on behalf of its 36 member insurance companies for Polish drivers traveling abroad.
• Ubezpieczenie graniczne (Border Insurance) Compulsory border insurance purchased by drivers from countries outside the Multilateral Agreement when entering member countries without a valid Green Card. Minimum validity is 15 days in general (Polish minimum is 30 days).
• E-dokumenty (E-documents Portal) Password-protected portal for accessing electronic documents related to insurance certificates, claims documentation, and member communications. Targeted at member insurance companies and their authorized representatives.
• Dla członków (For Members Portal) Restricted-access portal for the 36 member insurance companies, providing circular letters, AC insurer information, agent resources, and member-only communications.
• Wspólne Oświadczenie o Zdarzeniu Drogowym (Joint Traffic Incident Report) Standardized accident report form available in Polish, English, and Ukrainian that allows both parties to a traffic accident to document incident circumstances and confirm with signatures. Provided free of charge as a public service.
• Lista korespondentów (Correspondent Directory) Search tool enabling users to find nominated representatives (correspondents) of foreign insurers approved by national bureaus to handle claims settlement in Poland.
• Lista reprezentantów (Claims Representatives Directory) Directory of authorized claims representatives empowered to handle compensation payments on behalf of foreign insurers operating in Poland.
• Ośrodek Informacji (Information Centre) Statutory Information Centre collecting and sharing data on motor third-party liability insurance contracts and claims representatives, including data on foreign insurers and their Polish representatives. Operated jointly with the Insurance Guarantee Fund (UFG).
• Organ Odszkodowawczy (Compensation Body) Statutory Compensation Body authority for processing claims related to vehicle traffic from EEA countries when accidents occur in other member states or Green Card System countries. Activated when foreign insurers fail to respond within 90 days.
• Formularz zapytania o ubezpieczyciela sprawcy (Perpetrator Insurer Query Form - Poland) Online form for accident victims to query PBUK about the insurer of the at-fault party's vehicle when accidents occur in Poland involving foreign-registered vehicles. Service provided free of charge.
• Formularz zapytania o ubezpieczyciela sprawcy za granicą (Perpetrator Insurer Query Form - Abroad) Online form for Polish victims to identify the at-fault party's insurer and claims representative when accidents occur abroad in Green Card System countries. Service provided free of charge.

Quantifiable outcome

• 15,700 domestic claims and 63,000 foreign claims handled per year (2022)
• +2 more outcomes

Named customers9 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Council of Bureaux (Rada Biur) - Green Card SystemcoreStrategic or Co-development Partner · 1 January 1958PBUK serves as the National Bureau representing Poland in the Green Card System, which is managed by the Council of Bureaux. The system connects 46 National Bureaux from 47 countries. PBUK signs bilateral agreements with counterpart National Bureaux in other member countries for mutual recognition of insurance documents and cross-border claim settlement.
• Ubezpieczeniowy Fundusz Gwarancyjny (Insurance Guarantee Fund / UFG)coreStrategic or Co-development PartnerUFG and PBUK jointly serve as Information Centres for motor insurance in Poland. UFG maintains the database of OC insurance contracts for vehicles registered in Poland, while PBUK provides information on foreign insurers and claims representatives established in Poland.
• 46 National Bureaux (Green Card System member countries)coreStrategic or Co-development PartnerBilateral agreements with National Bureaux from 47 countries (Albania through Italy) for mutual recognition of insurance documents, cross-border claim settlement, and information sharing. Countries include all EU member states plus Belarus, Russia, Ukraine, Turkey, Morocco, Tunisia, Iran, Azerbaijan, and others.
• Financial Ombudsman (Rzecznik Finansowy)minorStrategic or Co-development PartnerPBUK works with the Financial Ombudsman for handling complaints related to insurance claims. PBUK reports very low complaint numbers to the Financial Ombudsman.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Others

• Council of Bureaux: International body that manages the Green Card System connecting 46 National Bureaux from 47 countries. PBUK is a member; the Council is the upstream governing entity rather than a competitor, but it shapes the rules all peers operate under.
• Ubezpieczeniowy Fundusz Gwarancyjny (UFG): Polish Insurance Guarantee Fund, co-located regulator partner that maintains the OC contracts database for Polish vehicles and acts jointly with PBUK as Information Centre. Strictly adjacent/partner rather than competitor, sharing statutory functions.

Direct peers

• Nederlands Bureau voor de Motorrijtuigverzekeraars (NBM): Dutch National Bureau managing Green Card issuance and cross-border motor liability claims settlement in the Netherlands. Direct peer within the Green Card System with similar statutory framework to PBUK.
• MABISZ (Magyar Biztosítók Szövetsége): Hungarian Insurance Association acting as the National Green Card Bureau for Hungary, coordinating Hungarian motor insurers and handling cross-border claims. Functional peer to PBUK with similar member-based governance structure.
• Slovenská kancelária poisťovateľov: Slovakia's National Green Card Bureau, operating a near-identical statutory mandate to PBUK for the Slovak market and coordinating Green Card issuance and cross-border claims with Polish counterpart.
• Motor Insurers' Bureau (UK): UK's national motor insurers' bureau that handles cross-border motor claims, Green Card issuance for UK drivers, and operates as Compensation Body for EEA accidents. Direct functional peer to PBUK with the same statutory role under the Green Card System.
• Ufficio Centrale Italiano (UCI): Italy's National Bureau coordinating Italian motor insurers in the Green Card System and handling cross-border claims involving foreign vehicles in Italy. Direct functional counterpart to PBUK within the same Council of Bureaux.
• Bureau Central Français (BCF): France's Green Card National Bureau grouping French motor liability insurers, settling foreign-vehicle claims in France and acting as Compensation Body for EEA cross-border accidents. Closely analogous role to PBUK's statutory mandate.
• Deutsches Büro Grüne Karte: Germany's National Bureau in the Green Card System, issuing Green Cards for German drivers and settling claims from foreign-registered vehicles in Germany. Direct peer operating an equivalent statutory mandate to PBUK in the largest EU motor insurance market.
• Česká kancelář pojistitelů (Czech Insurance Bureau): Czech Republic's National Green Card Bureau representing Czech motor insurers and handling cross-border claims, with very similar legal structure to PBUK under Polish statute. Highly comparable peer given regional proximity and parallel statutory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/PBUKpl
• Facebookfacebook.com/PBUKpl
• Instagraminstagram.com/pbuk.pl
• LinkedInlinkedin.com/company/pbuk

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PBUK