Official checks · 6 min read
Jakub Wujec
UFG vehicle insurance check for Polish plates
UFG vehicle insurance check confirms mandatory OC (motor third-party liability) is active for a Polish registration plate through the Ubezpieczeniowy Fundusz Gwarancyjny portal. Certica queries UFG by plate and returns OC status, vehicle type, and commercial classification. Provide tractor and trailer plates when you have them. UFG is MTPL only, not cargo insurance. No plate means UFG does not run.
Key checks before you assign the load
- UFG checks OC by registration plate, not by company NIP alone.
- Normalize plate format before query.
- No active OC is a hard pause before loading.
- Unknown vehicle models require manual review.
- Trailer plate checked separately when provided.
- Pair UFG with KREPTD and KRS or CEIDG on the same booking.
What the check means
UFG (Ubezpieczeniowy Fundusz Gwarancyjny) is the Polish Motor Insurers Bureau portal for OC insurance status by vehicle registration number. Certica queries the official UFG infoportal by plate and returns insurance status for the vehicle. Some results may need manual review.
When you provide a trailer plate, Certica runs a separate UFG query for the trailer in the same verification.
Why this check matters
Company existence alone is not carrier verification. A company can exist and still need deeper checks before you assign a load.
- Polish trucks must carry valid OC before they roll on public roads.
- Carriers may send cargo insurance PDFs while UFG shows no OC on the plate.
- Wrong plate typos are common the day before pickup.
- Finance and insurers ask for bureau proof, not only email attachments.
What data can be compared
| What to compare | Compare with | Risk signal |
|---|---|---|
| Insurance status | Pickup date | No active OC on the plate |
| Plate queried | Truck or trailer on booking | Wrong or swapped plate |
| Vehicle type | Heavy goods lane | Vehicle class does not fit freight booking |
| Tractor versus trailer results | Both plates when applicable | Insured tractor, uninsured trailer |
Limits of the check
- UFG covers mandatory OC, not cargo or CMR policies.
- Policy holder name is not returned; match contract party via KRS or CEIDG.
- Some UFG results need manual review, not automatic approval.
- Rate limits and portal errors need retry; a failed query should not mean approve.
- UFG does not validate transport licence; use KREPTD.
Red flags and common mistakes
No active OC after successful data fetch
No confirmed OC on the plate. Pause before loading.
Vehicle requires manual classification review
Vehicle not in local DB. Human must confirm truck class.
Non-commercial classification on freight booking
May indicate wrong plate or misrepresented asset.
Cargo insurance PDF with failed UFG lookup
Cargo cover does not replace OC. Resolve UFG or change carrier.
How Certica queries UFG
Certica automatically collects and analyses carrier verification data, detects risk signals, and supports your decision before a load is assigned.
Certica includes UFG in Polish verifications when you supply plates. Insurance status is checked alongside licence and company data in the same run.
- Official UFG printout attached to the verification report on successful fetch.
- Runs in parallel with KREPTD and company registers on the same NIP.
Official sources
FAQ
What is the official UFG URL?
https://www.ufg.pl/infoportal/. Certica queries the portal by plate during verification.
Can I check UFG by NIP only?
UFG is plate-based. Submit VAT ID and country for registers, plus plates for UFG.
Does UFG prove cargo insurance?
No. UFG is OC (MTPL). Cargo policies need separate document review.
Why does Certica flag manual review on UFG?
When UFG cannot confirm vehicle details automatically, a human should review before approval.
Related pages
Certica
Run the same checks automatically
Certica collects registry, VAT, licence, insurance, and domain data in one run, applies risk rules, and saves a PDF audit trail before you assign the load.
No card required. Results usually return in seconds to a few minutes, depending on registry availability.