Ostateczna decyzja ws. Compensy TU SA Vienna Insurance Group

The regulator set aside its 27 April 2026 penalty decision and imposed a reduced penalty after the insurer's reconsideration request. The reduction reflects a change in the legal basis for calculating the maximum penalty, with the final amount around 44% of the applicable maximum under the pre-2023 statutory framework. The underlying finding concerned 2022-2024 premiums that allegedly did not cover all insurance obligations and operating costs, contrary to Art. 33(2) of the Insurance and Reinsurance Activity Act.

The decision is final at administrative level but not legally binding; Compensa may appeal to the Warsaw Provincial Administrative Court. For compliance teams, the case reinforces that MTPL pricing must be supported by documented actuarial assumptions, expense loadings and reserving adequacy, not only market competitiveness. Insurers should review motor pricing and technical provisions for the relevant period and current book, retain evidence of senior management and board oversight, and monitor how KNF applies the revised penalty calculation.

Legal and actuarial teams should coordinate on historical pricing decisions because penalty exposure can shift with legislative changes to maximum penalty bases. No immediate market-wide deadline is stated, but firms with Polish motor business should consider targeted assurance work and prepare for possible supervisory follow-up. Overall impact is moderate and concentrated in insurance, with prudential and reputational implications for pricing governance.