{"id":9061,"date":"2026-07-30T09:31:52","date_gmt":"2026-07-30T07:31:52","guid":{"rendered":"https:\/\/www.mrvin.com\/?page_id=9061"},"modified":"2026-07-30T17:55:03","modified_gmt":"2026-07-30T15:55:03","slug":"used-car-cost-2026","status":"publish","type":"page","link":"https:\/\/www.mrvin.com\/pl\/blog\/used-car-cost-2026\/","title":{"rendered":"Ile naprawd\u0119 kosztuje u\u017cywany samoch\u00f3d w Europie w 2026 roku"},"content":{"rendered":"<style>\n\/* Google Fonts removed 2026-08-21: mrvin-fonts.php self-hosts these exact faces in wp_head, so this was a second request to Google whose only real effect was handing over the visitor IP (GDPR, LG Muenchen I, material in DE\/AT). *\/\nhtml{scroll-behavior:smooth}\n.mrvin-blog-post{--ink:#0B1120;--body:#3A4F66;--muted:#64748B;--faint:#94A3B8;--blue:#003399;--blue2:#2563EB;--tint:#DBEAFE;--bg:#FAFBFC;--surface:#FFFFFF;--surface2:#F8FAFC;--border:#E2E8F0;--green:#1D9E75;--red:#E24B4A;--yellow:#FFD21F;--sans:'DM 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.endnote{border-top:1px solid var(--border);margin-top:46px;padding-top:26px;font-size:17.5px;line-height:1.7;color:var(--body)}\n.mrvin-blog-post .endnote a{font-weight:500}\n\/* FAQ *\/\n.mrvin-blog-post .faq{margin:54px 0 0}\n.mrvin-blog-post .faq h2{margin-bottom:6px}\n.mrvin-blog-post .faq-item{border-top:1px solid var(--border);padding:20px 0}\n.mrvin-blog-post .faq-item:last-child{border-bottom:1px solid var(--border)}\n.mrvin-blog-post .faq-q{font-family:var(--sans);font-weight:700;font-size:20px;color:var(--ink);margin:0 0 8px}\n.mrvin-blog-post .faq-a{margin:0;font-size:16.5px;color:var(--body);line-height:1.7}\n\/* author bio *\/\n.mrvin-blog-post .author{display:flex;gap:16px;align-items:flex-start;background:var(--surface2);border-radius:16px;padding:22px 24px;margin:50px 0 0}\n.mrvin-blog-post .author .av{width:52px;height:52px;border-radius:50%;background:var(--blue);color:#fff;flex:0 0 auto;display:flex;align-items:center;justify-content:center;font-weight:500;font-size:17px}\n.mrvin-blog-post .author .nm{color:var(--ink);font-weight:500;font-size:16px;margin:0 0 5px}\n.mrvin-blog-post .author p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.6}\n\/* sources *\/\n.mrvin-blog-post .sources{border-top:1px solid var(--border);margin-top:54px;padding-top:26px}\n.mrvin-blog-post .sources h2{font-size:22px;margin:0 auto 16px}\n.mrvin-blog-post .sources ul{list-style:none;padding:0;margin:0}\n.mrvin-blog-post .sources li{font-size:14.5px;color:var(--muted);padding:9px 0;border-bottom:1px solid var(--border);line-height:1.5}\n.mrvin-blog-post .sources li b{color:var(--ink);font-weight:500}\n\/* responsive *\/\n@media(max-width:940px){\n  .mrvin-blog-post .layout{display:block;padding:84px 20px 0}\n  .mrvin-blog-post .wrap{max-width:720px;margin:0 auto}\n  .mrvin-blog-post .toc-side{display:none}\n}\n@media(max-width:640px){\n  .mrvin-blog-post h1{font-size:34px}.mrvin-blog-post .lead{font-size:19px}.mrvin-blog-post .dek{font-size:18px}.mrvin-blog-post{font-size:17px}\n  .mrvin-blog-post .stats{grid-template-columns:1fr}.mrvin-blog-post .byline{flex-wrap:wrap}.mrvin-blog-post .share{margin-left:0}\n}\n\/* ==== used-car-cost-2026: partner cards, entry points, highlighted CTA ====\n   Everything below is emitted by that article alone, except the two rules\n   scoped under .mrvin-blog-used-car-cost-2026, which upgrade the summary\n   ticks and the Takeaway label for that article only. *\/\n.mrvin-blog-post .side-cta{margin-top:26px;border-left:3px solid var(--tint);padding:2px 0 2px 22px}\n.mrvin-blog-post .side-cta .sc-h{font-family:var(--sans);font-weight:700;font-size:16px;line-height:1.25;color:var(--ink);text-align:center;margin:0 0 12px}\n.mrvin-blog-post .side-cta .sc-h b{color:var(--blue);font-weight:400}\n.mrvin-blog-post .side-cta a{display:flex;align-items:center;gap:9px;font-size:14px;font-weight:600;color:var(--ink);background:var(--surface2);border:1px solid var(--border);border-radius:10px;padding:10px 12px;margin-bottom:8px;text-decoration:none;transition:border-color .2s ease,background .2s ease}\n.mrvin-blog-post .side-cta a:hover{background:#fff;border-color:var(--blue2);text-decoration:none}\n.mrvin-blog-post .side-cta .sc-ic{flex:0 0 24px;height:24px;border-radius:7px;background:linear-gradient(140deg,#EDF4FE,#DBEAFE);border:1px solid #CBDDF8;color:var(--blue);display:flex;align-items:center;justify-content:center}\n.mrvin-blog-post .side-cta .sc-ic svg{width:14px;height:14px}\n.mrvin-blog-post .jumpline{margin:16px 0 0;padding-top:14px;border-top:1px solid var(--border);font-size:14.5px;color:var(--muted)}\n.mrvin-blog-post .jumpline a{font-weight:600}\n.mrvin-blog-post .jumpline .sep{color:var(--faint);margin:0 8px}\n.mrvin-blog-post .mbar{position:fixed;left:0;right:0;bottom:0;z-index:9998;display:none;flex-direction:column;gap:8px;background:rgba(255,255,255,.97);border-top:1px solid var(--border);box-shadow:0 -6px 20px rgba(11,17,32,.08);padding:10px 12px;transform:translateY(110%);transition:transform .28s ease}\n.mrvin-blog-post .mbar.on{transform:translateY(0)}\n.mrvin-blog-post .mbar a{flex:1 1 0;display:inline-flex;align-items:center;justify-content:center;gap:8px;text-align:center;font-size:14px;font-weight:600;color:#fff;background:var(--blue);border-radius:10px;padding:11px 8px;text-decoration:none}\n.mrvin-blog-post .mbar a.alt{background:var(--surface2);color:var(--ink);border:1px solid var(--border)}\n.mrvin-blog-post .mbar a svg{width:16px;height:16px}\n.mrvin-blog-post .mbar-top{position:relative;display:flex;align-items:center;justify-content:center;gap:8px}\n.mrvin-blog-post .mbar-h{font-family:var(--sans);font-weight:700;font-size:17px;line-height:1.2;color:var(--ink);text-align:center}\n.mrvin-blog-post .mbar-h b{color:var(--blue);font-weight:400}\n.mrvin-blog-post .mbar-row{display:flex;gap:8px}\n.mrvin-blog-post .mbar button{position:absolute;right:0;top:50%;transform:translateY(-50%);background:none;border:0;color:var(--faint);font-size:20px;line-height:1;cursor:pointer;padding:0 2px}\n@media (max-width:1000px){.mrvin-blog-post .mbar{display:flex}}\n.mrvin-blog-post .pcard{border:1px solid var(--border);border-radius:16px;background:var(--surface);padding:20px 22px;margin:38px 0;box-shadow:0 2px 10px rgba(11,17,32,.04);transition:box-shadow .2s ease,border-color .2s ease}\n.mrvin-blog-post .pcard:hover{box-shadow:0 10px 26px rgba(11,17,32,.09);border-color:#CBD8EA}\n.mrvin-blog-post .pcard-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap}\n.mrvin-blog-post .pcard-ic{flex:0 0 44px;height:44px;border-radius:12px;background:linear-gradient(140deg,#EDF4FE,#DBEAFE);border:1px solid #CBDDF8;color:var(--blue);display:flex;align-items:center;justify-content:center}\n.mrvin-blog-post .pcard-ic svg{width:23px;height:23px}\n.mrvin-blog-post .pcard-body{flex:1 1 240px;min-width:0}\n.mrvin-blog-post .pcard-h{font-family:var(--sans);font-weight:700;font-size:20px;color:var(--ink);margin:0 0 3px;line-height:1.25}\n.mrvin-blog-post .pcard-sub{font-size:15px;color:var(--muted);margin:0;line-height:1.5}\n.mrvin-blog-post .pcard-btn{flex:0 0 auto;display:inline-flex;align-items:center;gap:9px;background:var(--blue);color:#fff;border:0;border-radius:10px;font-family:var(--sans);font-size:15.5px;font-weight:600;padding:12px 20px;cursor:pointer;box-shadow:0 4px 12px rgba(0,51,153,.2);transition:background .2s ease,transform .18s ease,box-shadow .18s ease}\n.mrvin-blog-post .pcard-btn:hover{background:var(--blue2);transform:translateY(-1px);box-shadow:0 7px 18px rgba(37,99,235,.28)}\n.mrvin-blog-post .pcard-btn svg{width:16px;height:16px;transition:transform .18s ease}\n.mrvin-blog-post .pcard-btn:hover svg{transform:translateX(3px)}\n.mrvin-blog-post .pcard-slot{display:none;margin-top:18px;border-top:1px solid var(--border);padding-top:18px}\n.mrvin-blog-post .pcard.open .pcard-slot{display:block}\n.mrvin-blog-post .pcard.open .pcard-btn{display:none}\n\/* clickout slot: the Czech partners are links, not embedded widgets, so the\n   revealed slot holds a button-shaped anchor instead of an iframe *\/\n.mrvin-blog-post .pcard-slot a.pgo{display:flex;align-items:center;justify-content:center;gap:9px;font-size:15px;font-weight:600;color:#fff;background:var(--blue);border-radius:12px;padding:14px 18px;text-decoration:none;transition:background .2s ease}\n.mrvin-blog-post .pcard-slot a.pgo:hover{background:var(--blue2);text-decoration:none}\n.mrvin-blog-post .pcard-slot a.pgo svg{width:17px;height:17px;flex:0 0 17px}\n.mrvin-blog-post .partner-disc{border-top:1px solid var(--border);margin-top:30px;padding-top:18px;font-size:12.5px;line-height:1.65;color:var(--faint)}\n.mrvin-blog-post .partner-disc b{display:block;font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:5px}\n.mrvin-blog-post .pv-body .pv-eyebrow{display:flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue2);margin:0 0 9px}\n.mrvin-blog-post .pv-body .pv-eyebrow svg{width:16px;height:16px;flex:0 0 16px}\n.mrvin-blog-post .promo-vin .mrvin-search-hint{margin:0}\n.mrvin-blog-post .promo-vin .pv-trust{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}\n.mrvin-blog-post .promo-vin .pv-trust li{display:flex;align-items:center;gap:6px;font-size:12.5px;color:var(--muted);background:var(--surface2);border:1px solid var(--border);border-radius:999px;padding:5px 12px}\n.mrvin-blog-post .promo-vin .pv-trust svg{width:14px;height:14px;flex:0 0 14px;color:var(--green)}\n.mrvin-blog-post .mrvin-search-btn{display:inline-flex;align-items:center;justify-content:center;gap:9px}\n.mrvin-blog-post .mrvin-search-btn svg{width:17px;height:17px;flex:0 0 17px;transition:transform .18s ease}\n.mrvin-blog-post .mrvin-search-btn:hover svg{transform:translateX(3px)}\n.mrvin-blog-post .promo.promo-xl{display:block;padding:0;border-radius:20px;margin:46px 0 0;background:linear-gradient(135deg,#002B80 0%,#003399 46%,#1D4ED8 100%);box-shadow:0 18px 44px rgba(0,51,153,.28)}\n.mrvin-blog-post .promo.promo-xl:before{right:-56px;top:-56px;width:210px;height:210px;border-width:34px}\n.mrvin-blog-post .promo.promo-xl:after{content:\"\";position:absolute;left:-70px;bottom:-96px;width:240px;height:240px;border-radius:50%;pointer-events:none;background:radial-gradient(circle,rgba(255,210,31,.22) 0%,rgba(255,210,31,0) 68%)}\n.mrvin-blog-post .promo-xl .promo-inner{position:relative;z-index:1;padding:30px 32px 28px}\n.mrvin-blog-post .promo-xl .promo-main{display:flex;align-items:flex-start;gap:18px}\n.mrvin-blog-post .promo-ic{flex:0 0 52px;height:52px;border-radius:15px;color:#fff;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.24);display:flex;align-items:center;justify-content:center}\n.mrvin-blog-post .promo-ic svg{width:27px;height:27px}\n.mrvin-blog-post .promo-xl .promo-text{flex:1 1 auto;min-width:0}\n.mrvin-blog-post .promo-xl .promo-eyebrow{font-size:12px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--yellow);margin:0 0 7px}\n.mrvin-blog-post .promo-xl .promo-h{font-size:27px;line-height:1.2;margin:0 0 8px}\n.mrvin-blog-post .promo-xl .promo-sub{font-size:15.5px;max-width:54ch}\n.mrvin-blog-post .promo-xl .promo-trust{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:20px 0 0;padding:0}\n.mrvin-blog-post .promo-xl .promo-trust li{display:flex;align-items:center;gap:7px;font-size:13.5px;color:#DCEAFB;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.17);border-radius:999px;padding:6px 13px}\n.mrvin-blog-post .promo-xl .promo-trust svg{width:15px;height:15px;flex:0 0 15px;color:var(--yellow)}\n.mrvin-blog-post .promo-xl .promo-btn{display:inline-flex;align-items:center;gap:10px;margin:22px 0 0;background:var(--yellow);color:#0B1120;font-weight:700;font-size:16.5px;padding:15px 26px;border-radius:13px;box-shadow:0 8px 20px rgba(0,0,0,.22);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}\n.mrvin-blog-post .promo-xl .promo-btn:hover{background:#FFDD4D;color:#0B1120;transform:translateY(-2px);box-shadow:0 12px 26px rgba(0,0,0,.3);text-decoration:none}\n.mrvin-blog-post .promo-xl .promo-btn svg{width:19px;height:19px;flex:0 0 19px}\n.mrvin-blog-post .promo-xl .promo-btn .pb-arrow{width:17px;height:17px;flex:0 0 17px;transition:transform .18s ease}\n.mrvin-blog-post .promo-xl .promo-btn:hover .pb-arrow{transform:translateX(3px)}\n.mrvin-blog-post .promo-xl + .promo-alt{margin:16px 0 42px}\n.mrvin-blog-post .promo-xl + .promo-alt a{display:inline-flex;align-items:center;gap:7px}\n.mrvin-blog-post .promo-xl + .promo-alt svg{width:15px;height:15px;flex:0 0 15px}\n.mrvin-blog-post .src-links{display:block;margin-top:6px}\n.mrvin-blog-used-car-cost-2026 .tldr li{padding-left:33px}\n.mrvin-blog-used-car-cost-2026 .tldr li:before{content:\"\";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:7px;background:rgba(29,158,117,.11) url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 24 24' fill='none' stroke='%231D9E75' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12.5 4.6 4.6L19 7'\/%3E%3C\/svg%3E\") center\/13px 13px no-repeat}\n.mrvin-blog-used-car-cost-2026 .takeaway b{padding-left:21px;line-height:1.5;background:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 24 24' fill='none' stroke='%230F6E56' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9.3 18h5.4'\/%3E%3Cpath d='M10.2 21h3.6'\/%3E%3Cpath d='M12 3a6 6 0 0 0-3.5 10.9c.6.5 1 1.2 1 2h5c0-.8.4-1.5 1-2A6 6 0 0 0 12 3Z'\/%3E%3C\/svg%3E\") left center\/14px 14px no-repeat}\n@media(max-width:600px){\n  .mrvin-blog-post .promo-xl .promo-inner{padding:26px 22px 24px}\n  .mrvin-blog-post .promo-xl .promo-main{gap:14px}\n  .mrvin-blog-post .promo-xl .promo-h{font-size:23px}\n  .mrvin-blog-post .promo-ic{flex:0 0 44px;height:44px;border-radius:13px}\n  .mrvin-blog-post .promo-ic svg{width:23px;height:23px}\n  .mrvin-blog-post .promo-xl .promo-btn{width:100%;justify-content:center}\n}\n@media(prefers-reduced-motion:reduce){\n  .mrvin-blog-post .promo-xl .promo-btn,.mrvin-blog-post .pcard-btn,.mrvin-blog-post .pcard-btn svg,.mrvin-blog-post .mrvin-search-btn svg{transition:none}\n  .mrvin-blog-post .promo-xl 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Ich utrzymanie nie<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#insurance\">Ubezpieczenia dro\u017cej\u0105 w ca\u0142ej Europie<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#finance\">Jedne przepisy kredytowe, od listopada<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#record\">Twoja historia przekracza granic\u0119. Historia auta nie<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#depreciation\">Co trzyma warto\u015b\u0107 w 2026 roku<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#short\">W skr\u00f3cie<\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#faq\">Cz\u0119sto zadawane pytania<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<\/ol>\n\t\t\t<\/nav>\n\t\t<\/aside>\n\n\t\t<article class=\"wrap content\">\n\n\t\t\t\t\t<div class=\"badges\">\n\t\t\t\t\t\t\t<span class=\"badge\">Poradnik zakupowy<\/span>\n\t\t\t\t\t\t\t<span class=\"badge\">Pieni\u0105dze<\/span>\n\t\t\t\t\t\t<span class=\"date\">30 lipca 2026<\/span>\n\t\t\t<span class=\"dot\">&middot;<\/span>\n\t\t\t<span class=\"meta-extra\" id=\"mrvin-blog-readtime\">8 min czytania<\/span>\n\t\t<\/div>\n\n\t\t<h1>Ile naprawd\u0119 kosztuje u\u017cywany samoch\u00f3d w Europie w 2026 roku<\/h1>\n\n\t\t<p class=\"dek\">U\u017cywane auta taniej\u0105 niemal w ca\u0142ej Europie. Ich ubezpieczenie i finansowanie nie. Oto gdzie naprawd\u0119 id\u0105 pieni\u0105dze i trzy pozycje, kt\u00f3re wci\u0105\u017c mo\u017cesz por\u00f3wna\u0107 przed podpisaniem umowy.<\/p>\n\n\t\t<div class=\"byline\">\n\t\t\t<div class=\"avatar\">MV<\/div>\n\t\t\t<div>\n\t\t\t\t<div class=\"name\">Zesp\u00f3\u0142 MrVIN<\/div>\n\t\t\t\t<div class=\"role\">Badania historii pojazd\u00f3w<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"share\">\n\t\t\t\t<a id=\"mrvin-blog-sh-x\" href=\"#\" target=\"_blank\" rel=\"noopener\" aria-label=\"Udost\u0119pnij na X\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M18.244 2.25h3.308l-7.227 8.26 8.502 11.24H16.17l-5.214-6.817L4.99 21.75H1.68l7.73-8.835L1.254 2.25H8.08l4.713 6.231zm-1.161 17.52h1.833L7.084 4.126H5.117z\"\/><\/svg><\/a>\n\t\t\t\t<a id=\"mrvin-blog-sh-li\" href=\"#\" target=\"_blank\" rel=\"noopener\" aria-label=\"Udost\u0119pnij na LinkedIn\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M4.98 3.5C4.98 4.88 3.87 6 2.5 6S0 4.88 0 3.5 1.12 1 2.5 1 4.98 2.12 4.98 3.5zM0 8h5v16H0zM7.5 8h4.78v2.2h.07c.67-1.2 2.3-2.46 4.73-2.46 5.06 0 6 3.33 6 7.66V24h-5v-6.78c0-1.62-.03-3.7-2.25-3.7-2.26 0-2.6 1.76-2.6 3.58V24h-5z\"\/><\/svg><\/a>\n\t\t\t\t<a id=\"mrvin-blog-sh-fb\" href=\"#\" target=\"_blank\" rel=\"noopener\" aria-label=\"Udost\u0119pnij na Facebooku\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"currentColor\"><path d=\"M24 12.07C24 5.4 18.63 0 12 0S0 5.4 0 12.07c0 6.02 4.39 11.01 10.13 11.93v-8.44H7.08v-3.49h3.05V9.41c0-3.02 1.79-4.69 4.53-4.69 1.31 0 2.68.24 2.68.24v2.97h-1.51c-1.49 0-1.95.93-1.95 1.88v2.26h3.32l-.53 3.49h-2.79v8.44C19.61 23.08 24 18.09 24 12.07z\"\/><\/svg><\/a>\n\t\t\t\t<button id=\"mrvin-blog-sh-copy\" type=\"button\" aria-label=\"Skopiuj link\"><svg width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9.5 14.5l5-5\"\/><path d=\"M11 6.5l.7-.7a3.5 3.5 0 015 5l-2.2 2.2\"\/><path d=\"M13 17.5l-.7.7a3.5 3.5 0 01-5-5l2.2-2.2\"\/><\/svg><\/button>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"cover\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/used-car-cost\/contracts-hero.webp\" width=\"1024\" height=\"572\" alt=\"U\u017cywany samoch\u00f3d zmienia w\u0142a\u015bciciela wraz z ca\u0142\u0105 dokumentacj\u0105\">\n\t\t<p class=\"cover-cap\">Cena z og\u0142oszenia to jedna z czterech liczb. Pozosta\u0142e trzy ustalaj\u0105 si\u0119 ju\u017c po tym, jak zgodzisz si\u0119 na zakup.<\/p>\n\t\t\n\t\t\t<div class=\"tldr\">\n\t\t\t\t<p class=\"eyebrow\">W skr\u00f3cie<\/p>\n\t\t\t\t<ul>\n\t\t\t\t\t<li>Warto\u015b\u0107 u\u017cywanych aut przez ca\u0142y 2026 rok nadal spada w wi\u0119kszo\u015bci Europy Zachodniej, a r\u00f3\u017cnice mi\u0119dzy rynkami si\u0119 pog\u0142\u0119biaj\u0105.<\/li>\n\t\t\t\t\t<li>Ubezpieczenia w ca\u0142ej Europie podro\u017ca\u0142y przez ceny cz\u0119\u015bci, robocizny i napraw. Ta presja s\u0142abnie, ale wy\u017csze stawki s\u0105 ju\u017c w Twojej polisie na kolejny rok.<\/li>\n\t\t\t\t\t<li>Zgodnie z przepisami UE Twoja historia szkodowo\u015bci musi zosta\u0107 uznana w ka\u017cdym pa\u0144stwie cz\u0142onkowskim, do kt\u00f3rego si\u0119 przeprowadzisz. Historia samochodu nie jest ju\u017c tak przeno\u015bna.<\/li>\n\t\t\t\t\t<li>Od 20 listopada 2026 roku w ca\u0142ej UE obowi\u0105zuj\u0105 jedne nowe przepisy kredytowe, tak\u017ce dla rat 0%.<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<div class=\"summary-stats\">\n\t\t\t\t\t<div><span class=\"snum\">&minus;16%<\/span><span class=\"slbl\">spadek \u015brednich sk\u0142adek komunikacyjnych w Wielkiej Brytanii, gdzie konkurencja por\u00f3wnywarek jest najwi\u0119ksza<\/span><\/div>\n\t\t\t\t\t<div><span class=\"snum\">1 na 5<\/span><span class=\"slbl\">sprowadzanych aut u\u017cywanych w Europie \u015arodkowej pochodzi z Niemiec<\/span><\/div>\n\t\t\t\t\t<div><span class=\"snum\">20 lis<\/span><span class=\"slbl\">unijne przepisy kredytowe zaczynaj\u0105 obowi\u0105zywa\u0107 we wszystkich krajach UE<\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<h2 id=\"split\">Auta stania\u0142y. Ich utrzymanie nie<\/h2>\n\n\t\t\t<p>Zacznijmy od dobrych wiadomo\u015bci, bo s\u0105. Warto\u015bci rezydualne maj\u0105 dalej spada\u0107 przez ca\u0142y 2026 rok w Austrii, Francji, Niemczech, W\u0142oszech, Hiszpanii, Szwajcarii i Wielkiej Brytanii, w miar\u0119 jak rynek wraca do normy po szczycie z lat 2021 do 2023. Spadki s\u0105 niewielkie, ale kierunek jest wyra\u017any, a r\u00f3\u017cnice mi\u0119dzy rynkami krajowymi raczej si\u0119 pog\u0142\u0119biaj\u0105, ni\u017c zmniejszaj\u0105.<\/p>\n\n\t\t\t<p>To rynek kupuj\u0105cego. Tyle \u017ce wcale nie ta\u0144szy w ca\u0142o\u015bci, bo cena zakupu to jedyna pozycja, kt\u00f3ra spad\u0142a. Koszty finansowania zesz\u0142y ze szczytu, ale wci\u0105\u017c s\u0105 du\u017co wy\u017csze ni\u017c niemal darmowy pieni\u0105dz sprzed kilku lat, a ubezpieczenia posz\u0142y zdecydowanie w drug\u0105 stron\u0119.<\/p>\n\n\t\t\t<div class=\"takeaway\">\n\t\t\t\t<b>Podsumowanie<\/b>\n\t\t\t\tZakup u\u017cywanego auta to trzy osobne umowy podpisane w mniej wi\u0119cej tydzie\u0144: jedna na samoch\u00f3d, jedna na kredyt, jedna na ubezpieczenie. Wi\u0119kszo\u015b\u0107 kupuj\u0105cych negocjuje pierwsz\u0105, a dwie pozosta\u0142e przyjmuje bez dyskusji.\t\t\t<\/div>\n\n\t\t\t<h2 id=\"insurance\">Ubezpieczenie to pozycja, kt\u00f3ra zadzia\u0142a\u0142a przeciwko Tobie<\/h2>\n\n\t\t\t<p>Presj\u0119 wywo\u0142a\u0142a inflacja szkodowa i wygl\u0105da\u0142o to tak samo na niemal ka\u017cdym rynku europejskim. Cz\u0119\u015bci podro\u017ca\u0142y. Naprawy sta\u0142y si\u0119 bardziej skomplikowane, bo nawet zwyk\u0142y zderzak ma dzi\u015b czujniki i kamery. Robocizna kosztuje wi\u0119cej. Ubezpieczyciele przeliczyli stawki, a sk\u0142adki wzros\u0142y na ca\u0142ym kontynencie.<\/p>\n\n\t\t\t<p>Jest w tym pewna ulga. Inflacja szkodowa w ubezpieczeniach komunikacyjnych przesta\u0142a rosn\u0105\u0107 i s\u0142abnie u europejskich ubezpieczycieli maj\u0105tkowych. Ale s\u0142absza presja nie oznacza ni\u017cszych cen: podwy\u017cki z ostatnich lat s\u0105 ju\u017c wliczone w sk\u0142adk\u0119, kt\u00f3r\u0105 dostajesz dzisiaj.<\/p>\n\n\t\t\t<p>Dlatego jedyna pewna odpowied\u017a to sprawdzi\u0107, ile dzi\u015b kosztuje ubezpieczenie akurat Twojego auta pod Twoim adresem, zamiast zak\u0142ada\u0107, \u017ce zesz\u0142oroczna sk\u0142adka nadal odpowiada rynkowi.<\/p>\n\n\t\t\t<p>R\u00f3\u017cni si\u0119 natomiast to, jak du\u017ca jest konkurencja tam, gdzie mieszkasz. Najlepszy dow\u00f3d pochodzi z rynku o najsilniejszej kulturze por\u00f3wnywania cen w Europie: w Wielkiej Brytanii \u015brednie sk\u0142adki AC spad\u0142y o oko\u0142o <b>16% w ci\u0105gu roku do jesieni 2025<\/b>, bo por\u00f3wnywarki zaostrzy\u0142y konkurencj\u0119 mi\u0119dzy ubezpieczycielami. Ta sama inflacja szkodowa, przeciwny kierunek, bo tamtejsi klienci zmieniaj\u0105 ubezpieczyciela.<\/p>\n\n\t\t\t<figure>\n\t\t\t\t<img decoding=\"async\" class=\"cover\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/used-car-cost\/insurance-two-cars.webp\" width=\"1024\" height=\"572\" alt=\"Dwa podobne u\u017cywane samochody zaparkowane obok siebie\">\n\t\t\t\t<figcaption>Dwa auta w tej samej cenie mog\u0105 kosztowa\u0107 zupe\u0142nie inaczej w ubezpieczeniu.<\/figcaption>\n\t\t\t<\/figure>\n\n\t\t\t<p>Wniosek jest uniwersalny, nawet je\u015bli liczby nie s\u0105. Sk\u0142adk\u0119 niemal wsz\u0119dzie w Europie wyznaczaj\u0105 trzy rzeczy: samo auto, miejsce, w kt\u00f3rym stoi, i Twoja historia szkodowo\u015bci. Dwie z nich rozstrzygaj\u0105 si\u0119 w chwili, gdy wybierasz, kt\u00f3re auto kupi\u0107.<\/p>\n\n\t\t\t<div class=\"takeaway\">\n\t\t\t\t<b>Podsumowanie<\/b>\n\t\t\t\tWyb\u00f3r auta ustala Twoj\u0105 sk\u0142adk\u0119, zanim przejedziesz metr. Dwa samochody w tej samej cenie mog\u0105 kosztowa\u0107 w ubezpieczeniu zauwa\u017calnie inaczej, bo koszt naprawy i ryzyko kradzie\u017cy wycenia si\u0119 dla ka\u017cdego modelu osobno.\t\t\t<\/div>\n\n\t\t\t<p>To znaczy, \u017ce najta\u0144sz\u0105 polis\u0119 dla auta, kt\u00f3re zamierzasz kupi\u0107, mo\u017cesz pozna\u0107 ju\u017c dzi\u015b, zanim b\u0119dzie Twoje. Zajmuje to minut\u0119 i warto powtarza\u0107 to samo przy ka\u017cdym wznowieniu.<\/p>\n\n\t\t\t<h2 id=\"finance\">Jedne przepisy kredytowe, od listopada<\/h2>\n\n\t\t\t<p>Je\u015bli finansujesz auto, a w Europie robi tak du\u017ca cz\u0119\u015b\u0107 kupuj\u0105cych prywatnie, w tym roku liczy si\u0119 jedna data. Od <b>20 listopada 2026 roku<\/b> nowa unijna dyrektywa o kredycie konsumenckim obowi\u0105zuje w ka\u017cdym pa\u0144stwie cz\u0142onkowskim.<\/p>\n\n\t\t\t<p>Zanim jednak do tego dojdzie, przydatny krok jest taki sam jak zawsze: sprawd\u017a, na jakie oprocentowanie faktycznie mo\u017cesz liczy\u0107, zamiast przyjmowa\u0107 to, kt\u00f3re kto\u015b k\u0142adzie przed Tob\u0105. Sprawdzenie nic nie kosztuje.<\/p>\n\n\t\t\t<p>Dwie zmiany warto zna\u0107, zanim cokolwiek podpiszesz:<\/p>\n\n\t\t\t<p><b>Badanie zdolno\u015bci kredytowej b\u0119dzie surowsze.<\/b> Kredytodawcy musz\u0105 dok\u0142adniej sprawdza\u0107, czy naprawd\u0119 sta\u0107 Ci\u0119 na raty. Spodziewaj si\u0119 wi\u0119kszej liczby dokument\u00f3w i mniejszej liczby decyzji od r\u0119ki przy biurku dealera.<\/p>\n\n\t\t\t<p><b>Oferty na 0% po raz pierwszy s\u0105 obj\u0119te przepisami.<\/b> Raty bez odsetek i p\u0142atno\u015bci odroczone podlegaj\u0105 tym samym zasadom kredytu konsumenckiego co zwyk\u0142e po\u017cyczki. To ochrona, a nie ograniczenie: te same obowi\u0105zki informacyjne i ta sama ocena obejmuj\u0105 teraz ofert\u0119, kt\u00f3r\u0105 wcze\u015bniej przepuszczano najszybciej.<\/p>\n\n\t\t\t<figure>\n\t\t\t\t<img decoding=\"async\" class=\"cover\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/used-car-cost\/loan-schedule.webp\" width=\"1024\" height=\"572\" alt=\"Harmonogram sp\u0142aty kredytu obok u\u017cywanego samochodu\">\n\t\t\t\t<figcaption>D\u0142ug spada wed\u0142ug harmonogramu. Samoch\u00f3d nie.<\/figcaption>\n\t\t\t<\/figure>\n\n\t\t\t<p>Niezale\u017cnie od przepis\u00f3w arytmetyka si\u0119 nie zmienia. Oprocentowanie, kt\u00f3re dostaniesz, zale\u017cy od Twojej historii kredytowej, a r\u00f3\u017cnica mi\u0119dzy dobr\u0105 a s\u0142ab\u0105 ofert\u0105 przy typowym u\u017cywanym aucie jest warta wi\u0119cej ni\u017c jakikolwiek rabat wytargowany przy cenie. Por\u00f3wnaj, zanim wejdziesz do salonu, bo przyj\u015bcie z gotowym finansowaniem czyni z Ciebie w negocjacjach kupca got\u00f3wkowego.<\/p>\n\n\t\t\t<h2 id=\"record\">Twoja historia przekracza granic\u0119. Historia auta nie<\/h2>\n\n\t\t\t<p>To ta cz\u0119\u015b\u0107, kt\u00f3rej wi\u0119kszo\u015b\u0107 kupuj\u0105cych nie zna, i dzia\u0142a ona w dwie strony.<\/p>\n\n\t\t\t<p><b>Twoja w\u0142asna historia szkodowo\u015bci jest przeno\u015bna.<\/b> Zgodnie ze znowelizowan\u0105 unijn\u0105 dyrektyw\u0105 o ubezpieczeniach komunikacyjnych ubezpieczyciel musi traktowa\u0107 za\u015bwiadczenie o historii szkodowo\u015bci wystawione w innym pa\u0144stwie cz\u0142onkowskim <b>na r\u00f3wni z krajowym<\/b> i musi zaproponowa\u0107 klientowi z innego pa\u0144stwa cz\u0142onkowskiego te same zni\u017cki, jakie dosta\u0142by identyczny klient krajowy, w tym zni\u017cki bonus malus. Ubezpieczyciele nie mog\u0105 r\u00f3\u017cnicowa\u0107 oferty ze wzgl\u0119du na Twoje obywatelstwo ani na to, w kt\u00f3rym pa\u0144stwie cz\u0142onkowskim mieszka\u0142e\u015b wcze\u015bniej. Je\u015bli przeprowadzasz si\u0119 do innego kraju, popro\u015b dotychczasowego ubezpieczyciela o takie za\u015bwiadczenie i domagaj si\u0119 jego uwzgl\u0119dnienia.<\/p>\n\n\t\t\t<p>Jedno zastrze\u017cenie warto zna\u0107: same systemy pozostaj\u0105 krajowe. Dyrektywa wymaga, aby Twoje za\u015bwiadczenie zosta\u0142o <b>uznane i uwzgl\u0119dnione<\/b>, a nie \u017ceby polska zni\u017cka za bezszkodow\u0105 jazd\u0119 przeliczy\u0142a si\u0119 na identyczn\u0105 rumu\u0144sk\u0105.<\/p>\n\n\t\t\t<p><b>Historia samochodu nie jest przeno\u015bna w og\u00f3le.<\/b> Kiedy pojazd zostaje wywieziony i zarejestrowany na nowo, jego historia nie trafia za nim do nowej krajowej bazy. Europa przewozi przez swoje wewn\u0119trzne granice ogromn\u0105 liczb\u0119 u\u017cywanych aut, a nap\u0119dza to r\u00f3\u017cnica cen mi\u0119dzy rynkami zachodnimi a \u015brodkowymi i wschodnimi. Dostarcza je Europa Zachodnia, przede wszystkim Niemcy. Na kilku rynkach Europy \u015arodkowej oko\u0142o <b>jedno na pi\u0119\u0107<\/b> sprowadzonych u\u017cywanych aut pochodzi z samych Niemiec, a w Polsce mniej wi\u0119cej <b>po\u0142owa<\/b> badanych u\u017cywanych samochod\u00f3w to <a href=\"https:\/\/www.mrvin.com\/pl\/blog\/imported-car-history-check\/\">auta z importu<\/a>.<\/p>\n\n\t\t\t<div class=\"takeaway\">\n\t\t\t\t<b>Podsumowanie<\/b>\n\t\t\t\tAuto, kt\u00f3re zmieni\u0142o kraj, przyje\u017cd\u017ca z czyst\u0105 lokaln\u0105 histori\u0105 niezale\u017cnie od tego, co si\u0119 z nim wcze\u015bniej dzia\u0142o. To nie jest luka, kt\u00f3r\u0105 sprzedaj\u0105cy musi \u015bwiadomie wykorzysta\u0107. Tak po prostu dzia\u0142aj\u0105 krajowe rejestry.\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"promo-vin\" id=\"pv-check\">\n\t\t\t<div class=\"pv-head\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/vin-check-bear.webp\" width=\"1255\" height=\"431\" alt=\"Mi\u015b MrVIN z lup\u0105 obok u\u017cywanego samochodu\">\n\t\t\t\t<div class=\"pv-body\">\n\t\t\t\t\t<p class=\"pv-eyebrow\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"10.5\" cy=\"10.5\" r=\"7\"\/><path d=\"m7.6 10.6 2.1 2.1 3.9-4.3\"\/><path d=\"m15.6 15.6 4.4 4.4\"\/><\/svg><span>Sprawdzenie historii pojazdu<\/span><\/p>\n\t\t\t\t\t<h3>Sprawd\u017a auto, zanim sprawdzisz cen\u0119<\/h3>\n\t\t\t\t\t<p>Zobacz prawdziwy przebieg, szkody, finansowanie i histori\u0119 kraj\u00f3w samochodu w ponad 30 pa\u0144stwach, w nieca\u0142\u0105 minut\u0119.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"mrvin-search-box\">\n\t\t\t\t<form class=\"mrvin-search-row\" action=\"https:\/\/www.mrvin.com\/pl\/product\/\" method=\"GET\">\n\t\t\t\t\t<input type=\"text\" class=\"mrvin-search-input\" name=\"vin\" placeholder=\"Wprowad\u017a 17-cyfrowy numer VIN\" aria-label=\"Numer VIN\" maxlength=\"32\" autocomplete=\"off\">\n\t\t\t\t\t<button type=\"submit\" class=\"mrvin-search-btn\"><span>Sprawd\u017a numer VIN<\/span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12h13\"\/><path d=\"m12.5 6.4 6 5.6-6 5.6\"\/><\/svg><\/button>\n\t\t\t\t<\/form>\n\t\t\t<\/div>\n\t\t\t<p class=\"mrvin-search-hint\">Przyk\u0142ad: <code>WBA3A5G59DNP26082<\/code><span class=\"sep\"><\/span>Darmowy podgl\u0105d w zestawie<\/p>\n\t\t\t<ul class=\"pv-trust\">\n\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M3.5 12h17\"\/><path d=\"M12 3.5c2.3 2.4 3.4 5.3 3.4 8.5s-1.1 6.1-3.4 8.5c-2.3-2.4-3.4-5.3-3.4-8.5S9.7 5.9 12 3.5Z\"\/><\/svg><span>Ponad 30 kraj\u00f3w<\/span><\/li>\n\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M12 7v5.3l3.4 2\"\/><\/svg><span>Wynik w nieca\u0142\u0105 minut\u0119<\/span><\/li>\n\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M13.5 3.5h-6a2 2 0 0 0-2 2v13a2 2 0 0 0 2 2h9a2 2 0 0 0 2-2V8.5Z\"\/><path d=\"M13.5 3.5V8.5h5\"\/><path d=\"M9 13.4h6M9 16.4h4\"\/><\/svg><span>Pe\u0142ny raport PDF<\/span><\/li>\n\t\t\t<\/ul>\n\t\t<\/div>\n\t\t\n\t\t\t<h2 id=\"depreciation\">Co trzyma warto\u015b\u0107 w 2026 roku<\/h2>\n\n\t\t\t<p>Utrata warto\u015bci nigdy nie pojawia si\u0119 na fakturze i dlatego wypada z rachunku, a zwykle jest najwi\u0119kszym kosztem ze wszystkich. W 2026 roku ogromnie r\u00f3\u017cni si\u0119 w zale\u017cno\u015bci od rodzaju nap\u0119du.<\/p>\n\n\t\t\t<p><b>Samochody elektryczne taniej\u0105 najmocniej.<\/b> U\u017cywane auta w pe\u0142ni elektryczne s\u0105 dzi\u015b wyceniane <b>poni\u017cej warto\u015bci sprzed pandemii<\/b>, o mniej wi\u0119cej 4,4% rok do roku. Tesla Model 3, kt\u00f3ra jako u\u017cywana kosztowa\u0142a w 2022 roku od 35 000 &euro; do 40 000 &euro;, dzi\u015b idzie za oko\u0142o <b>22 000 &euro; do 28 000 &euro;<\/b> na wi\u0119kszo\u015bci rynk\u00f3w europejskich. W du\u017cej mierze dlatego, \u017ce kupuj\u0105cy nie mog\u0105 zweryfikowa\u0107 <a href=\"https:\/\/www.mrvin.com\/pl\/blog\/used-ev-battery-health-check\/\">stanu baterii<\/a>: wci\u0105\u017c <b>nie ma standardowej certyfikacji stanu zdrowia ogniw<\/b>, wi\u0119c rynek wycenia t\u0119 niepewno\u015b\u0107.<\/p>\n\n\t\t\t<p><b>Hybrydy trzymaj\u0105 si\u0119 najlepiej.<\/b> Wesz\u0142y w 2026 rok ze wzrostem o oko\u0142o <b>2,2% rok do roku<\/b>, najlepszym w\u015br\u00f3d wszystkich rodzaj\u00f3w nap\u0119du. Warto\u015bci aut benzynowych i wysokopr\u0119\u017cnych pozosta\u0142y wzgl\u0119dnie stabilne.<\/p>\n\n\t\t\t<p>Czytaj to jak kupuj\u0105cy, a nie jak nag\u0142\u00f3wek. Szybka utrata warto\u015bci boli, gdy sprzedajesz, i pomaga, gdy kupujesz. Je\u015bli zamierzasz trzyma\u0107 auto latami, okazja na elektryku jest prawdziw\u0105 okazj\u0105. Je\u015bli planujesz sprzeda\u0107 je za trzy lata, krzywa warto\u015bci znaczy wi\u0119cej ni\u017c cena na szybie.<\/p>\n\n\t\t\t<h2 id=\"short\">W skr\u00f3cie<\/h2>\n\n\t\t\t<p>Trzy umowy, trzy okazje do por\u00f3wnania:<\/p>\n\n\t\t\t<ol>\n\t\t\t\t<li><b>Samoch\u00f3d.<\/b> Sprawd\u017a jego histori\u0119 po numerze VIN, zanim si\u0119 zdecydujesz, zw\u0142aszcza przy aucie z importu. Auto, kt\u00f3re przekroczy\u0142o granic\u0119, przyje\u017cd\u017ca z pust\u0105 lokaln\u0105 histori\u0105, cokolwiek si\u0119 z nim wcze\u015bniej dzia\u0142o.<\/li>\n\t\t\t\t<li><b>Kredyt.<\/b> Por\u00f3wnaj kredytodawc\u00f3w, zamiast bra\u0107 ofert\u0119 z biurka w salonie. Nowe przepisy UE od listopada oznaczaj\u0105 wi\u0119cej kontroli, a nie lepsze oprocentowanie.<\/li>\n\t\t\t\t<li><b>Ubezpieczenie.<\/b> Por\u00f3wnuj co roku. Je\u015bli zmieni\u0142e\u015b kraj, popro\u015b o za\u015bwiadczenie o historii szkodowo\u015bci i domagaj si\u0119 jego uwzgl\u0119dnienia, bo przepisy UE nakazuj\u0105 je uzna\u0107.<\/li>\n\t\t\t<\/ol>\n\n\t\t\t<p class=\"endnote\">Ceny w tym roku spad\u0142y. Rachunki, kt\u00f3re przychodz\u0105 po zakupie, nie. To w\u0142a\u015bnie w tych trzech pozycjach uwa\u017cny kupuj\u0105cy wci\u0105\u017c decyduje, ile naprawd\u0119 kosztuje u\u017cywane auto.<\/p>\n\n\t\t\t\t\t<div class=\"promo promo-xl\">\n\t\t\t<div class=\"promo-inner\">\n\t\t\t\t<div class=\"promo-main\">\n\t\t\t\t\t<span class=\"promo-ic\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"10.5\" cy=\"10.5\" r=\"7\"\/><path d=\"m7.6 10.6 2.1 2.1 3.9-4.3\"\/><path d=\"m15.6 15.6 4.4 4.4\"\/><\/svg><\/span>\n\t\t\t\t\t<div class=\"promo-text\">\n\t\t\t\t\t\t<p class=\"promo-eyebrow\">Zanim cokolwiek podpiszesz<\/p>\n\t\t\t\t\t\t<p class=\"promo-h\">Wiedz, zanim kupisz<\/p>\n\t\t\t\t\t\t<p class=\"promo-sub\">Przebieg, szkody, finansowanie i dane o imporcie z ponad 30 kraj\u00f3w, w jednym raporcie, w nieca\u0142\u0105 minut\u0119.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<ul class=\"promo-trust\">\n\t\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M3.5 12h17\"\/><path d=\"M12 3.5c2.3 2.4 3.4 5.3 3.4 8.5s-1.1 6.1-3.4 8.5c-2.3-2.4-3.4-5.3-3.4-8.5S9.7 5.9 12 3.5Z\"\/><\/svg><span>Ponad 30 kraj\u00f3w<\/span><\/li>\n\t\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><path d=\"M12 7v5.3l3.4 2\"\/><\/svg><span>Nieca\u0142a minuta<\/span><\/li>\n\t\t\t\t\t<li><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M13.5 3.5h-6a2 2 0 0 0-2 2v13a2 2 0 0 0 2 2h9a2 2 0 0 0 2-2V8.5Z\"\/><path d=\"M13.5 3.5V8.5h5\"\/><path d=\"M9 13.4h6M9 16.4h4\"\/><\/svg><span>Pe\u0142ny raport PDF<\/span><\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<a class=\"promo-btn\" href=\"https:\/\/www.mrvin.com\/pl\/product\/\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M3.5 17v-4.1l1.7-4.2a2 2 0 0 1 1.9-1.2h9.8a2 2 0 0 1 1.9 1.2l1.7 4.2V17\"\/><path d=\"M4 12.9h16\"\/><circle cx=\"7.6\" cy=\"17\" r=\"1.7\"\/><circle cx=\"16.4\" cy=\"17\" r=\"1.7\"\/><\/svg><span>Sprawd\u017a VIN<\/span><svg class=\"pb-arrow\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12h13\"\/><path d=\"m12.5 6.4 6 5.6-6 5.6\"\/><\/svg><\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<p class=\"promo-alt\"><a href=\"https:\/\/www.mrvin.com\/pl\/sample-report\/\"><span>Jeszcze si\u0119 nie zdecydowa\u0142e\u015b? Zobacz najpierw, jak wygl\u0105da pe\u0142ny raport<\/span><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M5 12h13\"\/><path d=\"m12.5 6.4 6 5.6-6 5.6\"\/><\/svg><\/a><\/p>\n\t\t\n\t\t\t<section class=\"faq\" id=\"faq\">\n\t\t\t\t<h2>Cz\u0119sto zadawane pytania<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Czy moja zni\u017cka za bezszkodow\u0105 jazd\u0119 przechodzi ze mn\u0105, gdy przeprowadzam si\u0119 do innego kraju UE?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Twoja historia szkodowo\u015bci musi zosta\u0107 uznana. Zgodnie ze znowelizowan\u0105 unijn\u0105 dyrektyw\u0105 o ubezpieczeniach komunikacyjnych ubezpieczyciel musi traktowa\u0107 za\u015bwiadczenie o historii szkodowo\u015bci z innego pa\u0144stwa cz\u0142onkowskiego na r\u00f3wni z krajowym i musi da\u0107 Ci te same zni\u017cki, jakie dosta\u0142by identyczny klient krajowy. Ubezpieczyciele nie mog\u0105 r\u00f3\u017cnicowa\u0107 oferty ze wzgl\u0119du na obywatelstwo ani poprzednie miejsce zamieszkania. Same systemy pozostaj\u0105 krajowe, wi\u0119c za\u015bwiadczenie trzeba uwzgl\u0119dni\u0107, ale nie przelicza si\u0119 ono jeden do jednego. Popro\u015b poprzedniego ubezpieczyciela o takie za\u015bwiadczenie na pi\u015bmie.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Dlaczego ubezpieczenia samochodowe podro\u017ca\u0142y w ca\u0142ej Europie?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Przez inflacj\u0119 szkodow\u0105. Ceny cz\u0119\u015bci, robocizny i napraw mocno wzros\u0142y na rynkach europejskich, a ubezpieczyciele przeliczyli stawki. Nowoczesne auta s\u0105 te\u017c dro\u017csze w naprawie, bo za zwyk\u0142ymi elementami nadwozia kryj\u0105 si\u0119 czujniki i kamery. Ta presja teraz s\u0142abnie, ale podwy\u017cki z ostatnich lat s\u0105 ju\u017c odzwierciedlone w obecnych sk\u0142adkach.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Czy u\u017cywany samoch\u00f3d elektryczny to dobry zakup w 2026 roku?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Cenowo tak. U\u017cywane elektryki s\u0105 dzi\u015b wyceniane poni\u017cej warto\u015bci sprzed pandemii, wi\u0119c to jeden z najta\u0144szych sposob\u00f3w na nowoczesne auto. Ryzykiem jest stan baterii, bo wci\u0105\u017c nie ma standardowej certyfikacji jej kondycji i w\u0142a\u015bnie dlatego rynek je przecenia. Sprawd\u017a histori\u0119 auta i, je\u015bli mo\u017cesz, zle\u0107 badanie stanu baterii przed zakupem.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"faq-item\">\n\t\t\t\t\t\t<p class=\"faq-q\">Co zmienia si\u0119 w kredytach samochodowych 20 listopada 2026 roku?<\/p>\n\t\t\t\t\t\t<p class=\"faq-a\">Od tej daty w ka\u017cdym pa\u0144stwie cz\u0142onkowskim obowi\u0105zuje nowa unijna dyrektywa o kredycie konsumenckim. Badanie zdolno\u015bci kredytowej staje si\u0119 surowsze, a raty bez odsetek oraz oferty typu kup teraz, zap\u0142a\u0107 p\u00f3\u017aniej po raz pierwszy podlegaj\u0105 tym samym zasadom co zwyk\u0142y kredyt konsumencki.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/section>\n\n\t\t\t\t\t<div class=\"author\">\n\t\t\t<div class=\"av\">MV<\/div>\n\t\t\t<div>\n\t\t\t\t<p class=\"nm\">Zesp\u00f3\u0142 badawczy MrVIN<\/p>\n\t\t\t\t<p>Badamy rejestry historii pojazd\u00f3w w ponad 30 krajach i \u015bledzimy, jak dane o przebiegu, szkodach i w\u0142asno\u015bci kr\u0105\u017c\u0105 po europejskim rynku aut u\u017cywanych. Ten artyku\u0142 opiera si\u0119 na przepisach UE, analizach europejskiego rynku ubezpiecze\u0144, krajowych statystykach importu i opublikowanych badaniach warto\u015bci rezydualnych, do kt\u00f3rych linki znajdziesz poni\u017cej.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<section class=\"sources\">\n\t\t\t<h2>\u0179r\u00f3d\u0142a<\/h2>\n\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t<li><b>Dyrektywa (UE) 2021\/2118<\/b> zmieniaj\u0105ca dyrektyw\u0119 o ubezpieczeniach komunikacyjnych 2009\/103\/WE: r\u00f3wne traktowanie za\u015bwiadcze\u0144 o historii szkodowo\u015bci we wszystkich pa\u0144stwach cz\u0142onkowskich oraz zakaz r\u00f3\u017cnicowania ze wzgl\u0119du na obywatelstwo lub poprzednie miejsce zamieszkania. <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2021\/2118\/oj\" target=\"_blank\" rel=\"noopener\">Czytaj<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Unijna dyrektywa o kredycie konsumenckim (CCD II), dyrektywa (UE) 2023\/2225<\/b>: stosowanie w pa\u0144stwach cz\u0142onkowskich od 20 listopada 2026 roku, surowsza ocena zdolno\u015bci kredytowej oraz obj\u0119cie kredytu na 0% i ofert typu kup teraz, zap\u0142a\u0107 p\u00f3\u017aniej. <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2023\/2225\/oj\" target=\"_blank\" rel=\"noopener\">Czytaj<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Analiza europejskiego rynku ubezpiecze\u0144<\/b>: s\u0142abn\u0105ca inflacja szkodowa u europejskich ubezpieczycieli maj\u0105tkowych oraz spadek \u015brednich sk\u0142adek AC w Wielkiej Brytanii przypisywany konkurencji por\u00f3wnywarek. <a href=\"https:\/\/www.reinsurancene.ws\/european-insurers-approach-2026-with-cautious-confidence-sp\/\" target=\"_blank\" rel=\"noopener\">S&amp;P Global Ratings<\/a> <a href=\"https:\/\/www.wtwco.com\/en-gb\/news\/2025\/09\/car-insurance-prices-fall-by-16-percent-during-last-12-months-as-young-drivers-continue-to-see\" target=\"_blank\" rel=\"noopener\">Indeks cen Confused.com<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Dane o rynku Europy \u015arodkowej<\/b>: udzia\u0142 sprowadzanych aut u\u017cywanych pochodz\u0105cych z Niemiec oraz skala importu aut u\u017cywanych do Polski. <a href=\"https:\/\/www.pzpm.org.pl\/en\/News\/Used-Passenger-Car-Import-to-Poland-12-2025\" target=\"_blank\" rel=\"noopener\">Czytaj<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Analiza warto\u015bci rezydualnych Autovista<\/b>: prognoza warto\u015bci rezydualnych na 2026 rok dla rynk\u00f3w Europy Zachodniej i pog\u0142\u0119biaj\u0105ce si\u0119 r\u00f3\u017cnice mi\u0119dzy rynkami krajowymi. <a href=\"https:\/\/autorecyclingworld.com\/autovista24-webinar-2026-residual-values-set-to-keep-easing-as-regional-gaps-widen\/\" target=\"_blank\" rel=\"noopener\">Czytaj<\/a><\/li>\n\t\t\t\t\t\t\t\t\t<li><b>Wzorce handlu transgranicznego<\/b>: r\u00f3\u017cnice cen mi\u0119dzy rynkami Europy Zachodniej a \u015arodkowej i Wschodniej jako motor przep\u0142ywu aut u\u017cywanych. <a href=\"https:\/\/jdpower.com\/business\/news\/residual-values-in-europe-to-remain-under-pressure-in-2026\/\" target=\"_blank\" rel=\"noopener\">Czytaj<\/a><\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t<\/section>\n\t\t\n\t\t\t\t<section class=\"readnext\">\n\t\t\t<p class=\"eyebrow\">Przeczytaj dalej<\/p>\n\t\t\t<div class=\"readnext-grid\">\n\t\t\t\t\t\t\t\t\t<a class=\"readnext-card\" href=\"https:\/\/www.mrvin.com\/pl\/blog\/jak-kupic-samochod-na-otomoto\/\">\n\t\t\t\t\t\t<span class=\"rn-img\" style=\"background-image:url('https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/listings\/otomoto-hero.webp')\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t\t<span class=\"rn-body\">\n\t\t\t\t\t\t\t<span class=\"rn-title\">Jak kupowa\u0107 na Otomoto i znajdowa\u0107 naprawd\u0119 dobre oferty<\/span>\n\t\t\t\t\t\t\t<span class=\"rn-dek\">Na Otomoto jest dzi\u015b ponad 234 000 u\u017cywanych samochod\u00f3w. To wi\u0119cej, ni\u017c jakikolwiek kupuj\u0105cy jest w stanie realnie przejrze\u0107, dlatego wi\u0119kszo\u015b\u0107 os\u00f3b ogl\u0105da po prostu to, co serwis poka\u017ce im jako pierwsze.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"rn-more\">Zobacz poradnik &rarr;<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a class=\"readnext-card\" href=\"https:\/\/www.mrvin.com\/pl\/blog\/auto-z-niemiec-mobile-de\/\">\n\t\t\t\t\t\t<span class=\"rn-img\" style=\"background-image:url('https:\/\/www.mrvin.com\/wp-content\/uploads\/blog\/mobilede\/mobilede-hero.webp')\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t\t<span class=\"rn-body\">\n\t\t\t\t\t\t\t<span class=\"rn-title\">Jak kupi\u0107 auto na mobile.de i sprowadzi\u0107 je do Polski<\/span>\n\t\t\t\t\t\t\t<span class=\"rn-dek\">Wi\u0119kszo\u015b\u0107 aut u\u017cywanych sprowadzanych do Polski pochodzi z Niemiec, a znajduje si\u0119 je na mobile.de. To najlepsze miejsce w Europie, \u017ceby kupi\u0107 u\u017cywany samoch\u00f3d, i naj\u0142atwiejsze, \u017ceby za niego przep\u0142aci\u0107. Mniej wi\u0119cej po\u0142owa kupuj\u0105cych w og\u00f3le nie negocjuje.<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"rn-more\">Zobacz poradnik &rarr;<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t<\/div>\n\t<script>\n(function(){\n  var ROOT=document.querySelector('.mrvin-blog-post'); if(!ROOT) return;\n  var I18N={\"readMin\":\"min czytania\",\"copied\":\"Skopiowano\",\"chart1\":{\"inCountry\":\"Sprzedane w obr\u0119bie jednego kraju\",\"crossBorder\":\"Sprzedane mi\u0119dzy krajami UE\",\"ofCars\":\"% aut\"},\"chart2\":{\"before\":\"Przed baz\u0105 danych\",\"after\":\"2024 (z Car-Pass)\",\"cases\":\"przypadk\u00f3w\"},\"rank\":{\"unit\":\"sprawdze\u0144\"},\"calc\":{\"perYear\":\"km \/ rok\",\"typicalFor\":\"Typowo dla tego wieku\",\"thisCar\":\"To auto\",\"difference\":\"R\u00f3\u017cnica\",\"about\":\"mniej wi\u0119cej typowo\",\"pctBelow\":\"% poni\u017cej typowego\",\"pctAbove\":\"% powy\u017cej typowego\",\"rangeLegend\":\"Typowy zakres dla tego wieku\",\"noteValue\":\"Je\u015bli prawdziwy przebieg jest bli\u017cszy {expected} km, brakuj\u0105ce {hidden} km mog\u0105 zawy\u017ca\u0107 cen\u0119 {price} o bardzo z grubsza {est} (oko\u0142o 4 % warto\u015bci na ka\u017cde 10 000 km).\",\"noteHidden\":\"To oko\u0142o {hidden} km poni\u017cej typowego przebiegu. 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