Proama's business model is to get you to buy their...

Proama's business model is to get you to buy their cheapest policy via rankomat or another comparison website. Their sales people are relentless in their calls when they want to sell something. Later on they send a letter saying there was a miscalculation in the policy and you owe them money.

They did it to us twice.

The first time when I wanted to renew my home insurance policy they said my old policy is invalid because I was listed as an owner, not a renter. Of course I had to pay more for it. Probably would have had to pay more regardless. I bought the policy over the phone and said many times that I'm renting, but I still need to pay for their mistake. Anyway, after 30 min on the phone trying to sort it out and buy a new policy at an increased price I gave up and bought another policy online.

My girlfriend's car insurance "recalculation" went straight to debt collectors, which freaked us out a lot. It turns out the previous owner of the car had a seniors discount. We bought the car with policy assuming we'll renew it when it's due. But no, Proama got wind of the owner change (we notified them as we should) and decided that our car insurance premium is now double AND we have to pay the difference for the previous year AND this doesn't warrant any call or email and should go straight to debt collectors. After a week of calls we managed to clear this, I hope. All over 350zl.

In short, if you're looking for the worse insurance company in Poland - here it is. It's cheap for a reason. Reason being they are scammers.