Problemy Transportu i Logistyki

This article aims to evaluate the model solutions included in the general terms and conditions of civil liability insurance for road transporters in selected insurers. It refers to the range of obligations involved in co-operation between the policyholder and the insured on the one hand and the insurer on the other after the occurrence of the damage. The scope of the author’s interest also comprises the system of penalties for their non-compliance. The purpose of the article is to answer the question whether these sanctions have a legal basis in Polish law and in other legal systems. This issue is of great practical importance, as the general conditions often provide the most severe of the sanctions defined in the insurance law, i.e. the refusal to pay compensation. This means that the carrier has to bear the burden of damage from his own funds. Dogmatic analysis leads to the conclusion of contradictions of such contractual provisions contained in the GTC of insurance companies with the mandatory Polish law, and thus their nullity. However, due to the specificity of transport damage, the necessity of co-operation of the policyholder or the insured carrier with the insurer is not in doubt. Similar conclusions are made by the comparative legal analysis of German law and the PEICL project. The Polish law requires far-reaching changes, which are formulated in the form of conclusions de lege ferenda.