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Compare FSO Car Insurance

Find the best FSO car insurance quotes for you.

Fabryka Samochodów Osobowych – more commonly known as FSO – is a Polish manufacturer of automotive parts, and formerly of cars themselves. Their range of cars was once exported to countries around the world, including the FSO Polonez.

If you are the proud owner of an FSO car, read on to find out key information about your insurance options, and how you can save time and money today.


What insurance group is an FSO car?

As many FSOs may be considered classic cars, they will not have an allocated insurance group.

However, there are some exceptions. The 1993 1.5-litre FSO Polonez Caro hatchback model falls under insurance group 10, while the 1.9-litre variant comes in at insurance group 12.


Are FSO cars expensive to insure?

Depending on what model you own, you may find that insuring your FSO is less expensive than you might think – particularly if you compare a range of quotes. For particularly old FSO models, finding a specialist classic car policy may lessen the cost, subject to your usage.


Can I reduce my FSO car insurance?

Outside of your own driving experience and location, you have various ways to lower your FSOs insurance premium:

  • Agreeing to a mileage limit for your FSO.
  • Having a more experienced named driver on your policy can also save you money.
  • Increasing your voluntary insurance, but you will need to be certain that you can afford this in the event of making a claim.
  • Parking your car on a drive or in a garage.

Will I be able to protect my no-claims discount?

When changing providers, it is possible to protect your no-claims discount, as long as you have evidence to show your new insurer. You may need to contact your current insurer to retrieve this information.

Switching during your current policy means you won’t earn your current no-claims discount though, so make sure you are offsetting this by making a saving.


What type of cover can I choose for my FSO?

Third-party and comprehensive insurance are the main options. Third-party is required by law if you want to drive on the roads and offers less extensive cover. It will cover damage done by your vehicle but not to your vehicle. As the name suggests, comprehensive insurance will protect you in a wider range of scenarios. For certain FSO models, however, classic car insurance may be the best choice.


Where can I find FSO car insurance?

Although most FSOs are old vehicles, it is still possible to hunt around for different insurance quotes online, including more specialised classic car policies. It is well worth using an online comparison system to save on time and money during your search.


How much could I save if I compare quotes?

There isn’t an exact figure you can save on your insurance due to the various factors used to make a quote. However, you could possibly save hundreds by comparing different providers.

*51% of consumers could save £490.26 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.