In Polish: Ubezpieczenie pomostowe
This is the word you will see in bank documents.
Definition
Bridging insurance (ubezpieczenie pomostowe) is an extra cost the bank may charge from the loan payout until the mortgage is entered in the land register. It takes the form of a fee or a higher margin. Since 17 September 2022 the bank must refund it or credit it towards repayment of the loan after the mortgage is entered.
What it means for you
For a few weeks or months after the payout your instalment may be higher, because the bank does not yet have full security. After the mortgage is entered you get this cost back on the terms of the agreement, so in practice it is a temporary expense. Make sure the bank is informed about the entry and check in the agreement how it returns the money.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Is bridging insurance refunded?
Yes. Since 17 September 2022 the cost charged until the mortgage is entered must be refunded or credited towards repayment after the entry, on the terms of the agreement.
How long do you pay bridging insurance?
Until the mortgage is entered in the land register, and often until the day the bank is informed about the entry. Depending on the court, it takes from a few weeks to a few months.
Does every bank charge bridging insurance?
No. Some banks no longer apply this fee. You will find whether and how much your bank charges in the ESIS form and in the agreement.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Loan costs and insurance”