Punkta.pl review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Punkta.pl is a Polish comparison site for people who want one place to shop personal cover, and it suits drivers and households comparing several policies at once. Its cost score sits at 2.4 and quoted premiums start at PLN 150.

Key facts

Best for
Polish households and drivers comparing personal cover through one broker
Premium from
PLN 150 (Source, checked September 26, 2026)
Insurance types
Auto, Motorcycle, Home, Health, Travel, Critical-illness, Life (Source, checked September 26, 2026)
Provider type
Comparison site (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
CUK Ubezpieczenia Sp. z o.o. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
punkta.pl

Pros and cons

Pros

  • Covers auto, motorcycle and home so most personal lines can be compared in one place
  • Monthly payments are available, which spreads the cost of a policy
  • Support runs through phone, email and chat, including phone and chat
  • A comparison site, so policies come from several insurers rather than one provider

Cons

  • Quoted premiums start at PLN 150, above the site median of €8.37
  • Insurance types do not include renters, pet or van cover, which Good Sam Insurance Agency offers
  • You deal with a broker rather than an insurer, so claims go through the intermediary
Punkta.pl

Ready to try Punkta.pl?

Scored 9.0 / 10 by AssureCue.

See alternatives

Who it suits

  • Drivers in Poland comparing car cover from several insurers
  • Households shopping home, travel and life cover in one place
  • People who prefer paying monthly rather than settling a policy in full

Who should look elsewhere

  • People who want pet, renters or van cover, where Good Sam Insurance Agency goes further
  • Shoppers wanting to deal with a single insurer directly, since this is a comparison site
  • Anyone comparing outside Poland, where the operation is based

Safety and regulation

Punkta.pl works as a comparison site rather than an insurer, so it puts policies from several providers side by side instead of selling one product. It is entered in the 11154159/A, the Polish register of insurance agents. As a broker, the site handles the choice of policy while the insurer named on the contract carries the risk.

Who runs it

The site is run by CUK Ubezpieczenia Sp. z o.o., based in Poland and operating since 2000. Customers reach the team through phone, email and chat, which covers phone, email, chat and a help centre. The agent entry appears in the 11154159/A, so the intermediary side of the business is registered in Poland.

How Punkta.pl compares

Where Punkta.pl is available

Available
Poland
Licence in Poland
Komisja Nadzoru Finansowego (KNF) - Rejestr Agentow Ubezpieczeniowych (11154159/A), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does cover cost through Punkta.pl?+

Quoted premiums start at PLN 150, which sits above the median starting premium of €8.37 across the site. Because it is a comparison site, the exact figure depends on the insurer and the type of cover you pick, so treat that starting point as a floor rather than a typical price.

Can I pay monthly instead of in one go?+

Yes, monthly payments are available, and the payment model at Punkta.pl is a monthly one. That suits anyone who would rather spread the cost of a policy across the year than settle it as a single payment, though the total cost can work out higher over a full year.

Is Punkta.pl regulated in Poland?+

Yes, the site appears in the 11154159/A. That register covers insurance agents operating in Poland, so the intermediary work of matching you with a policy is registered there while the insurer named on your contract carries the risk.

What kinds of insurance can I compare?+

The quoted cover runs to auto, motorcycle and home, so car, home, health, travel, life, critical illness and motorcycle policies sit in the same place. Renters, pet and van cover do not appear in that list, so those searches need a different provider.

Who do I speak to if something goes wrong?+

Support runs through phone, email and chat, which includes phone, email, chat and a help centre. Phone and chat are the quickest routes when a claim needs raising, since the site sits between you and the insurer named on the policy.

Who is behind the site?+

The operation is run by CUK Ubezpieczenia Sp. z o.o., a company based in Poland that has been trading since 2000. As a comparison site, it compares policies on behalf of insurers rather than underwriting the cover itself.

Can I cover a motorbike as well as a car?+

Yes, motorcycle cover sits within the auto, motorcycle and home on offer, alongside car and the other personal lines. Both can be arranged through the same broker, which is convenient if the two vehicles are quoted together.

How does Punkta.pl compare with other providers on price?+

The cost score for the brand is 2.4, and its starting premium of PLN 150 is higher than the site median of €8.37. A single insurer such as Euroasia Insurance quotes UZS 60,000 on its own policies, so running a quote through both is worthwhile.

Sources

  • punkta.pl checked September 26, 2026

    Backs: Provider type, Insurance types, Licences

    “Porównywarka ubezpieczeń to sposób na znalezienie taniego ubezpieczenia”

  • punkta.pl/akademia/ranking/najtansze-oc checked September 26, 2026

    Backs: Monthly payments, Pricing model, Premium from

    “W Zamościu polisa OC kosztuje średnio 150 zł”

  • punkta.pl/kontakt checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “ul. Grudziadzka 107, 87-100 Torun”

  • punkta.pl/o-nas checked September 26, 2026

    Backs: Founded

    “2000 powstanie grupy Punkta (wowczas pod nazwa BIK Serwis)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Punkta.pl

Punkta.pl

Polish households and drivers comparing personal cover through one broker

9.0/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings