Thousands Blocked from Claims After DallBogg Insurance Crisis

15 July 2026 Poland Radar 0 Comments

Cheap policies from DallBogg insurance left thousands waiting for crash payouts. Learn why this matters and how expats can seek help.

Cheap third-party policies sold by DallBogg insurance lured many Polish drivers. Now thousands of claimants face delays and possible unpaid crash payouts.

Table of Contents

Why the DallBogg insurance collapse matters

The Bulgarian insurer grew extremely fast in Poland. Consequently, it sold about 250,000 motor third-party liability (OC) policies in two years. Moreover, many customers paid very low premiums, sometimes around 300 PLN. However, that rapid growth created liquidity and claims-handling problems. Therefore, thousands of crash claims now sit unresolved. In addition, authorities report a sharp rise in complaints about slow procedures and benefit denials.

What happened and the scale of the problem

The company began operations in 2023. Consequently, it collected over 100 million PLN in premiums by 2024. However, regulators began blocking new sales on 16 April 2025. Moreover, the Bulgarian regulator revoked the insurer’s license on 9 June 2026 for failing Solvency II capital requirements. The company cannot write new policies or extend current ones now. Also, administrators in Bulgaria placed the firm’s assets under special supervision. Experts estimate between 5,000 and 12,000 unresolved motor claims remain. Therefore, many victims in Poland still wait for payouts.

Protections, remedies and court action

Polish authorities did not leave claimants without options. The Rzecznik Finansowy (Financial Ombudsman in Poland) already filed several lawsuits on behalf of customers. Moreover, the Ombudsman joined an ongoing legal action to protect policyholders. In addition, the Bulgarian Insurance Guarantee Fund may cover some unpaid third-party OC claims. However, that process can take time across borders. Therefore, victims should document accidents carefully. Also, the Polish Motor Insurers’ Bureau (Polskie Biuro Ubezpieczycieli Komunikacyjnych) monitors the situation and provides information to claimants in Poland and abroad.

Practical consequences for drivers

All OC policies written by the company should already expire and not renew automatically. Consequently, drivers whose contracts ended must buy new mandatory OC from another insurer. Moreover, driving without valid OC risks a fine from the Ubezpieczeniowy Fundusz Gwarancyjny (Insurance Guarantee Fund). In addition, a driver without OC may face direct liability for damages after an accident. Therefore, check your policy dates and obtain documentation now.

💡 GOOD TO KNOW: If you are an expat involved in a crash in Poland, act quickly. Keep the police report and photos. Note that Polish institutions often use acronyms: ZUS (social security), NFZ (public health insurer), mandat (traffic fine), PESEL (national ID number). Contact the Rzecznik Finansowy (Financial Ombudsman) or the Polish Motor Insurers’ Bureau for cross-border claims. Also, you can file directly with Bulgarian administrators if Poland-based channels stall.

Contact with the insurer became unreliable months ago. Furthermore, Polish offices changed addresses and missed legal electronic delivery requirements. Consequently, the Rzecznik Finansowy fined the company and its Polish representative about 1.1 million PLN. However, enforcement across jurisdictions remains complex. Therefore, legal help can matter for significant claims.

For now, document every communication. Moreover, preserve invoices and repair estimates. In addition, consider legal representation for larger losses. Therefore, expats should not assume they lack protection. Help exists, but it may take time.

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