Casco (own-damage car insurance) — Czech Republic

[1] Own damage: Optional ↩

Collision damage (impact, collision with another vehicle, falling stones or chemical substances) is included only in the top-tier MAX package; Komfort, Plus and Extra do not cover it. Claims are paid up to the vehicle's current market value immediately before the loss, less deductible and usable salvage value.

[2] Total loss: 80% of insured sum ↩

A loss is treated as a total loss when total repair costs exceed 80% of the vehicle's usual price immediately before the event; it is then settled financially at the usual acquisition price in the Czech Republic, less depreciation, usable salvage value and the agreed deductible. Reachable once at least one material-damage peril is purchased (Plus, Extra or Max package).

[3] Partial loss: 80% of insured sum ↩

Where repair costs do not exceed 80% of the vehicle's usual value, the claim is settled by repair invoice or cost estimate (parts, labour and paint at contracted-network rates), less the agreed deductible. Available with the Plus, Extra or Max package depending on the peril purchased.

[4] Theft & robbery: Optional ↩

Covers theft, robbery and unauthorised use of the vehicle, its parts, equipment and luggage, subject to a police report; excludes items left in an unlocked or unsecured vehicle. Available in the Extra and Max packages.

[5] Glass damage: Optional ↩

Covers repair or, if repair is not possible, replacement of windscreen, side, rear and roof glass following collision, natural event, fire/explosion, theft, vandalism or animal damage; paid up to the current market value of the whole vehicle. Available in the Extra and Max packages.

[6] Natural perils: Optional ↩

Covers flood, windstorm, earthquake, landslide, rockfall, hail, lightning strike or falling snow/ice/tree/pole onto the vehicle, paid up to its current market value. Available in the Plus, Extra and Max packages.

[7] Vandalism: Optional ↩

Covers damage caused intentionally by third parties to a parked vehicle; excludes interior damage that occurred while the vehicle was left unlocked and unsecured. Available in the Extra and Max packages.

[8] Roadside assistance: Covered ↩

On-site repair up to 1 hour and towing to a contracted service within a 20 km radius are included in every package (basic Asistence, Komfort). From Plus upward, Rozšířená asistence extends towing to any chosen destination up to 150 km, crew transport from 50 km to 100 km, hotel stays up to 3 nights capped at CZK 2,000/person/night, and wreck disposal up to CZK 3,300.

[9] Replacement vehicle: 4 days – 6 days ↩

A replacement vehicle (one class lower, max lower-medium class) is provided only as part of Rozšířená asistence (Plus, Extra, Max packages): up to 6 calendar days for damage/destruction, theft or vandalism (police report required), or 4 calendar days for breakdown, wrong/insufficient fuel, EV battery depletion, or lost/broken keys.

[10] Driver accident: Covered ↩

Pays a benefit up to the sum insured stated in the policy for death or invalidity of any vehicle occupant caused by an accident during a traffic collision; benefit is reduced for occupants not wearing a seatbelt. Included in all four packages (Komfort, Plus, Extra, Max).

[11] Own damage: Optional ↩

Covers damage to the insured's own vehicle caused by collision, impact against an obstacle or animal, fall or submersion; the insured sum equals the vehicle's usual value as declared by the policyholder at inception.

V souladu s čl. 2 odst. 2 VPPHAV je havarijní pojištění možné sjednat v těchto kombinacích pojistných nebezpečí, na které se pojištění vztahuje: a) HAVÁRIE, ŽIVELNÍ UDÁLOST, ODCIZENÍ, VANDALISMUS b) ODCIZENÍ, VANDALISMUS, ŽIVELNÍ UDÁLOST, STŘET SE ZVÍŘETEM

[12] Total loss: Covered ↩

In the event of total loss or theft, the insurer pays the usual price of the vehicle immediately before the event, less the value of usable remains, up to the agreed insured sum (pojistná částka).

v případě úplné škody či odcizení vozidla je pojistným plněním částka odpovídající obvyklé ceně vozidla bezprostředně před pojistnou událostí snížená o hodnotu použitelných zbytků vozidla; tyto použitelné zbytky zůstávají ve vlastnictví pojištěného

[13] Partial loss: Covered ↩

Reimburses the usual, purposefully and economically incurred repair costs based on an invoice using new replacement parts; settlement by cost estimate (rozpočet) can also be agreed.

v případě poškození vozidla jsou pojistným plněním obvyklé, účelně a hospodárně vynaložené náklady na opravu na základě předložené faktury za opravu za použití nových náhradních dílů; ... lze dohodnout poskytnutí pojistného plnění rozpočtem, není-li ujednáno jinak

[14] Theft & robbery: Covered ↩

Covers theft, burglary or robbery of the insured vehicle, its parts or accessories as one of the base insured perils. A separate optional 'Theft of the Whole Vehicle' (OCV) rider with its own limit and a 10% deductible is also available, restricted to the Czech Republic plus 30 km beyond the border.

Odcizení – zmocnění se pojištěného vozidla, jeho části nebo výbavy krádeží, krádeží vloupáním nebo loupeží včetně poškození či zničení vozidla, které nastane v době od odcizení vozidla do jeho vrácení.

[15] Glass damage: Optional ↩

Optional rider covering damage, destruction or theft of the windscreen and all windows used for visibility from the vehicle; deductible is 30% during the first three months of the rider, then a flat CZK 500 thereafter, waived if the vehicle is also casco-insured with the insurer, if the glass is repaired rather than replaced, or if the cover was taken out with a new vehicle bought from an official dealer; repair or replacement must be carried out at the insurer's contracted service network for payment to be made.

Toto pojištění se sjednává pro první tři měsíce trvání pojištění se spoluúčastí ve výši 30 %, po uplynutí této doby se sjednává spoluúčast ve výši 500 Kč.

[16] Natural perils: Covered ↩

Covers fire, explosion, direct lightning strike, rock/soil/avalanche falls, falling trees or objects, hail, flood, windstorm, earthquake and animal-caused wiring or mechanical damage to a parked vehicle, as one of the base perils. A separate optional Natural Perils rider (PPR) extends similar cover with a 10% deductible (waived if combined with the main comprehensive cover), restricted to the Czech Republic plus 30 km beyond the border.

Živelní událost – požár, výbuch, bezprostřední úder blesku, zřícení skal, zemin nebo lavin, pád stromů nebo jiných předmětů, krupobití, povodeň nebo záplava, vichřice, zemětřesení, poškození kabeláže vozidla zvířetem, mechanické poškození stojícího vozidla zvířetem.

[17] Vandalism: Covered ↩

Covers damage or destruction of the vehicle caused provably by the intentional act of a third party, as one of the base insured perils.

Vandalismus – poškození nebo zničení vozidla způsobené prokazatelně úmyslným jednáním cizí osoby.

[18] Roadside assistance: CZK 2,500 – CZK 3,500 ↩

'Asistence Standard' is automatically included free of charge with comprehensive (havarijní) cover, providing call-out, on-site repair, recovery and towing up to CZK 2,500 (vehicles ≤3,500 kg) / CZK 3,500 (>3,500 kg) per event within the Czech Republic, or CZK 5,000/10,000 abroad. Higher paid tiers - Asistence Plus, Asistence CAR/TIR Plus and Asistence CAR Premium - offer higher or unlimited towing limits, hotel accommodation, replacement transport and, at the top tier, a replacement vehicle for up to 15 days with unlimited towing across Europe.

2500 Kč pro vozidla do celkové hmotnosti 3500 kg včetně, b) 3500 Kč pro vozidla s celkovou hmotností nad 3500 kg.

[19] Replacement vehicle: Optional ↩

Optional rider reimbursing rental costs of a replacement car (same or lower class, up to mid-size such as Škoda Superb/VW Passat/Ford Mondeo) while the insured vehicle is repaired after an accident, natural event, vandalism, sudden breakdown, or during theft investigation; the MAXI variant also covers breakdowns, the MINI variant excludes breakdowns.

Náhradní vozidlo může být pouze stejné nebo nižší třídy než vozidlo pojištěné, max. však střední třídy (Škoda Superb, VW Passat, Ford Mondeo apod.).

[20] Driver accident: Optional ↩

Optional rider for the driver and/or passengers covering death caused by accident (CZK 100,000), permanent injury following an accident (CZK 150,000), daily allowance during treatment (CZK 100/day) and daily allowance during hospitalisation (CZK 100/day); it can be arranged for the driver only, front-seat occupants only, or all occupants of the vehicle.

a) pro případ smrti způsobené úrazem 100000 Kč, b) pro případ trvalých následků způsobených úrazem 150000 Kč, c) denní odškodné za dobu léčení úrazu 100 Kč, d) denní odškodné za pobyt v nemocnici z důvodu úrazu 100 Kč.

[21] Own damage: Covered ↩

Covers damage or destruction of the insured vehicle caused by collision, fall, impact, fire, explosion, lightning, hail, storm, falling objects, flood, third-party interference, or any other random event not contractually excluded. Included in all three tiers (Standard, Dominant, Premiant); the payout ceiling equals the sum insured declared in the policy, not a fixed amount.

[22] Total loss: Covered ↩

If repair costs reach at least 85% of the vehicle's usual (market) value at the time of the event, the claim is settled as a total loss: the insurer pays the usual value of the vehicle minus salvage value and deductible. In the Premiant variant, GAP can be arranged for vehicles up to 2 years old and remains valid until the vehicle reaches 5 years of age; in that case, for total destruction or theft, the insurer guarantees payment of the agreed sum insured, up to a limit of CZK 1,000,000, instead of the depreciated usual value.

GAP je součástí havarijního pojištění Premiant a platí pro vozy do 5 let stáří . Sjednat ho lze pro vozidla do stáří 2 let.

[23] Partial loss: Covered ↩

For repairable damage below the total-loss threshold, the insurer pays reasonable repair costs customary at the time and place of repair, less the value of replaced parts, up to the sum insured. Repairing at an insurer-recommended contracted workshop reduces the deductible to CZK 1,000, provided the agreed deductible does not exceed CZK 5,000.

Pokud si zvolíte spoluúčast maximálně 5 000, tak v případě opravy v doporučeném smluvním servisu zaplatíte pouze 1 000 Kč .

[24] Theft & robbery: Conditional ↩

Theft or robbery of the vehicle or its parts is covered in the Dominant and Premiant tiers (the Standard tier does not include theft protection as part of Kasko, though standalone theft insurance can be purchased separately). Payment equals the vehicle's usual value at the time of the event, subject to compliance with minimum anti-theft security requirements. In Premiant, total theft is covered by the sum-insured guarantee (up to usual value plus 600,000 CZK) for vehicles up to 5 years old.

[25] Glass damage: Optional ↩

Optional add-on covering sudden damage or destruction of all perimeter glass of the vehicle, with no limit on the amount covered. A 50% deductible applies to claims occurring within the first 3 months of cover (and for three months after any increase to the limit); no deductible applies when repaired at an insurer-recommended contracted service.

Pojištěna jsou všechna obvodová skla. Při opravě v doporučeném smluvním servisu neplatíte žádnou spoluúčast.

[26] Natural perils: Covered ↩

Fire, lightning, hail, storm, falling objects, landslide, avalanche, flood and inundation are covered as part of the core Kasko 'any random event' protection in all three tiers. A standalone natural-hazards add-on can also be purchased separately, covering the same perils for vehicles without full Kasko cover.

[27] Vandalism: Covered ↩

Damage caused by intentional third-party interference (vandalism, e.g. scratched paintwork, broken mirrors, smashed windows) is covered as a listed peril of the core Kasko protection in all three tiers (Standard, Dominant, Premiant), without requiring additional premium.

[28] Roadside assistance: CZK 2,000 ↩

Basic roadside assistance is automatically included whenever either the liability (MTPL) or Kasko cover is arranged: on-site repair, towing to the nearest workshop, safekeeping of an immobilised vehicle, continuation of the journey or return home, up to 2,000 CZK domestically (150 EUR abroad) per event for vehicles up to 3,500 kg (higher limits of 7,000 CZK / 14,000 CZK apply for heavier vehicles). An enhanced 'Nadstandard' assistance package with higher limits is available as a separate paid add-on.

V případě mechanické poruchy, dopravní nehody, zásahu cizí osoby nebo živelní události zorganizujeme a uhradíme opravu vozidla, popř. odtah vozidla do nejbližší opravny, či odtah do nejbližší úschovny do limitu 2000 Kč v ČR nebo 150 EUR v zahraničí.

[29] Replacement vehicle: Optional ↩

Optional add-on reimbursing necessarily and reasonably incurred costs of renting a replacement vehicle when the insured vehicle is damaged, destroyed or stolen for at least 24 hours, up to the limit stated in the policy.

NOVINKA: Pokud bude vaše vozidlo poškozené, zničené nebo odcizené po dobu minimálně 24 hodin, uhradíme vám náklady na půjčovné vozidla.

[30] Driver accident: CZK 100,000 – CZK 300,000 ↩

Accident insurance for the driver (death or permanent injury from a traffic accident investigated by police) is automatically included alongside the liability (MTPL) cover, with sums insured of 100,000 CZK (Standard), 200,000 CZK (Dominant) or 300,000 CZK (Premiant) depending on the MTPL variant selected, up to triple these amounts if agreed. An enhanced optional 'Driver Accident Insurance with Lifetime Annuity' (Basic/Standard/VIP tiers) pays a monthly annuity depending on the driver's age at the time of the accident (from 7,000 CZK to 52,500 CZK/month) for permanent injury of 50% or more.

[31] Own damage: Optional ↩

Core comprehensive coverage for damage to the insured vehicle caused by a traffic accident; the maximum payout equals the agreed sum insured or limit stated in the policy.

Můžete si zvolit, jaké typy nebezpečí budou v pojištění zahrnuty a výši, do jaké při jejich vzniku budeme hradit.

[32] Total loss: Covered ↩

In case of total loss or theft, Direct pays the usual (market) value of the vehicle at the time of the event; an optional GAP add-on can extend this to the purchase price for vehicles up to 5 years old.

[33] Partial loss: Covered ↩

Reimburses reasonable and effectively incurred repair costs up to the agreed sum insured/limit for the relevant peril.

[34] Theft & robbery: Optional ↩

Selectable peril module covering theft of the vehicle or its parts where the perpetrator overcame locks or security devices; payout up to the agreed sum insured.

[35] Glass damage: CZK 5,000 – CZK 100,000 ↩

Optional add-on covering repair or replacement of windscreen and other vehicle glass; selectable limit between 5,000 and 100,000 CZK; 50% deductible applies in the first 3 months unless the vehicle is new or photo-documented.

[36] Natural perils: Optional ↩

Selectable peril covering fire, explosion, lightning, storm, hail, flood, avalanche, landslide, earthquake and similar natural events; payout up to the agreed sum insured.

[37] Vandalism: Optional ↩

Selectable peril within the theft/vandalism module covering intentional damage or destruction of the parked vehicle by a third party.

[38] Roadside assistance: Covered ↩

Basic-scope roadside assistance is automatically included as part of MTPL or comprehensive cover, covering mechanic call-out, towing, and similar services; the scope can be extended.

[39] Replacement vehicle: Optional ↩

Optional service providing a replacement vehicle for the duration of repair after a covered claim; policyholder can instead choose a 50% deductible discount (up to 3,000 CZK) or an extended warranty. Maximum daily rental cost is 2,000 CZK in the Czech Republic and 3,000 CZK in Europe/Turkey.

Pokud nechcete náhradní auto, vyberte si tuto výhodu. Zaplatíte s ní jen polovinu spoluúčasti při opravě bouraného auta. Maximální výše slevy je 3 000 Kč.

[40] Driver accident: Optional ↩

Optional benefit (lump-sum/obnosové) insurance paying an agreed amount for permanent injury or death of the driver resulting from an accident during vehicle operation; can only be added if MTPL or CASCO is in force.

Jedná se o pojištění skel vozidla, úrazu řidiče a úrazu osob ve vozidle, pojištění zavazadel, pojištění pořizovací ceny vozidla (takzvané GAP pojištění), pojištění škody vzniklé při činnosti vozidla jako pracovního stroje, pojištění přepravy zboží a nákladu, pojištění strojních součástí vozidla.

[41] Own damage: Conditional ↩

Collision/own-damage cover (havárie) is included in the All Risk, Expres and Havárie a živel variants, but excluded from the Odcizení a živel variant, which covers only theft and natural perils. The claim ceiling (pojistná částka or limit) is chosen and set by the policyholder in the policy; the T&Cs do not prescribe a default sum insured.

[42] Total loss: Conditional ↩

If repair costs equal or exceed 70% of the vehicle's market value immediately before the event (a 'totální škoda'), the insurer pays the market value less the value of usable salvage. This settlement applies within whichever variant (All Risk, Expres, Havárie a živel, Odcizení a živel) covers the peril that caused the loss; there is no fixed total-loss sum beyond the contractually agreed sum insured/limit.

[43] Partial loss: Conditional ↩

If repair costs are below 70% of the vehicle's pre-event market value (a 'částečná škoda'), the insurer pays either the documented repair invoice or a repair-cost estimate (rozpočet) generated from a recognised pricing system, without requiring repair receipts. This applies within whichever variant covers the triggering peril; the sum insured/limit is set by the policyholder in the policy.

[44] Theft & robbery: Conditional ↩

Theft and robbery (odcizení) are covered under the All Risk, Expres and Odcizení a živel variants, but not under Havárie a živel, which excludes theft. If the vehicle is not recovered by the time the claim investigation is closed, the insurer pays the market value immediately before the event; the sum insured/limit is set by the policyholder.

[45] Glass damage: CZK 3,000 – CZK 100,000 ↩

Optional 'All Glass' supplementary insurance for windscreen, side/rear windows, sunroof, panoramic roof glass, all-glass doors and mirrors, damaged by collision, theft, natural perils or vandalism. Two variants are available: (A) unlimited cover where the actual glass price is paid, or (B) a selectable limit from 3,000 CZK up to 100,000 CZK. Resin repair of a chip carries no deductible; glass replacement carries a 1,000 CZK deductible.

Limit plnění A) Bezlimitní B) 3 000 Kč až 100 000 Kč Spoluúčast : A) Oprava skla scelením: 0 Kč B) Výměna skla: 1 000 Kč

[46] Natural perils: Covered ↩

Damage caused by natural perils (hail, flood, fire, windstorm, landslide, snow/ice avalanche, snow/ice load, lightning, explosion, inundation, earthquake) is covered under every casco variant (All Risk, Expres, Havárie a živel, Odcizení a živel). The sum insured/limit is set by the policyholder in the policy.

[47] Vandalism: Conditional ↩

Vandalism cover is included in All Risk, Expres and Havárie a živel, but not in Odcizení a živel, which excludes vandalism. A separate 'Vandal' supplementary insurance also exists, covering exterior mirrors, wiper arms and antennas of a parked vehicle (extendable to paint, body panels, tyres, wheels/covers and glazing if video evidence of the incident is provided).

[48] Roadside assistance: — ↩

Optional roadside-assistance rider, sold in variants S/M/L/XL/Souprava; not automatically included with either MTPL or casco. Overall per-event claim limits range from 2,000 CZK (variant S, Czech Republic, vehicles up to 3.5t) to 300,000 CZK (variant Souprava, abroad, vehicles over 3.5t), with variant XL offering an unlimited overall ceiling; sub-limits apply per individual service (towing distance, mechanic time, replacement vehicle days, accommodation nights, etc.).

[49] Replacement vehicle: CZK 50,000 ↩

Optional 'Půjčovné' (rental reimbursement) supplementary insurance covers rental costs for a replacement vehicle while the insured vehicle is repaired following a casco claim, up to 50,000 CZK with a no-deductible option, or with a selectable deductible of 1%-30% (minimum 1,000-30,000 CZK) or a fixed deductible of 1,000-30,000 CZK; requires repair at an authorised/contracted workshop and rental from a business licensed to rent vehicles, and only applies once the repair exceeds 2 days (16 working hours).

Limity plnění: :10 000 Kč až 50 000 Kč na celé pojistné období Spoluúčast : 0 Kč Územní platnost : ČR i Evropa

[50] Driver accident: Optional ↩

Optional 'Úrazové pojištění dopravovaných osob' pays a lump sum for death or permanent injury and a daily benefit for necessary treatment following an accident occurring during vehicle operation; sums insured are individually agreed in the policy and are not fixed by the T&Cs.

[51] Own damage: Conditional ↩

Collision/impact damage cover (havárie) is included in the KARAMBOL, KOMFORT and MAX variants but not in JISTOTA, which covers only theft and natural perils. Indemnity is paid up to the agreed sum insured (pojistná částka) stated in the policy.

Havarijní pojištění vozidel ve variantách: KARAMBOL (živel, střet, náraz), JISTOTA (živel, odcizení), KOMFORT (střet, náraz, odcizení), MAX (živel, střet, náraz, odcizení, vandalismus, poškození zaparkovaného vozidla zvířetem).

[52] Total loss: Covered ↩

If damage from a covered peril is uneconomical or technically impossible to repair (total loss), the insurer pays the time value of the vehicle less usable remains, up to the sum insured. A total loss requires that residual value deducted from indemnity does not exceed 50% of the vehicle's general value.

Pokud nastane totální škoda, pak je to taková škoda, ze které vznikl nárok na pojistné plnění z pojištění, v důsledku kterého je neekonomické nebo technicky nemožné uvedení vozidla do původního stavu za podmínky, že: ... hodnota zbytků vozidla odečtená od pojistného plnění z pojištění nepřevyšuje 50 % obecné hodnoty vozidla vypočtené pojistitelem.

[53] Partial loss: Covered ↩

For partial damage the insurer pays reasonably incurred repair costs at local usual prices, up to the vehicle's time value and never exceeding the sum insured.

V případě poškození předmětu pojištění poskytne pojistitel plnění ve výši účelně vynaložených nákladů na opravu věci při cenách v místě obvyklých, nejvýše však ve výši časové ceny předmětu pojištění v době pojistné události vypočtené dle odst. 1 tohoto článku, maximálně však do pojistné částky, na kterou byl předmět pojištění pojištěn.

[54] Theft & robbery: Conditional ↩

Theft cover is included in the JISTOTA, KOMFORT and MAX variants (not in KARAMBOL), up to the agreed sum insured. A separate standalone theft rider (limited to 100,000 CZK per event) exists only for customers who hold MTPL cover without any casco variant.

Sjednaný limit pojistného plnění je horní hranicí plnění pro jednu a všechny pojistné události nastalé v pojistném období, a činí 100 000 Kč.

[55] Glass damage: Optional ↩

Optional add-on covering either the windscreen or all vehicle windows against damage or destruction occurring as a standalone event, i.e. without damage to other parts of the vehicle; indemnity is capped at the sum insured agreed in the policy. Minimum deductible of 5% applies, but if the glass is repaired by resin injection and the repair cost does not exceed 3,000 CZK incl. VAT, no deductible is deducted.

Pokud bude oprava poškozeného skla provedena zacelením, přičemž cena opravy nepřesáhne 3 000 Kč, včetně DPH, pak pojistitel nebude odečítat spoluúčast.

[56] Natural perils: Conditional ↩

Natural peril cover (fire, explosion, lightning, hail, windstorm, falling objects, flood) is included in the KARAMBOL, JISTOTA and MAX variants but not in KOMFORT, up to the agreed sum insured.

Havarijní pojištění vozidel ve variantách: KARAMBOL (živel, střet, náraz), JISTOTA (živel, odcizení), KOMFORT (střet, náraz, odcizení), MAX (živel, střet, náraz, odcizení, vandalismus, poškození zaparkovaného vozidla zvířetem).

[57] Vandalism: Conditional ↩

Vandalism damage, together with animal damage to a parked vehicle, is covered only in the top-tier MAX variant, up to the agreed sum insured.

MAX (živel, střet, náraz, odcizení, vandalismus, poškození zaparkovaného vozidla zvířetem).

[58] Roadside assistance: Covered ↩

Basic assistance service is included free of charge with every casco variant (24/7, provided via AXA Assistance), covering on-site repair or towing to the nearest garage with a limit of 1,800 CZK per incident (120 EUR abroad), plus a replacement car for 1–2 days in case of breakdown or accident. An enhanced/extended assistance rider with higher limits can be purchased separately for an extra 285 CZK.

Hasičská vzájemná pojišťovna poskytuje k havarijnímu pojištění základní asistenční služby zdarma. ... Za příplatek 285 Kč získáte rozšířené asistenční služby s vyššími pojistnými limity.

[59] Replacement vehicle: CZK 1,000 ↩

Optional add-on for passenger or commercial vehicles up to 3,500 kg; reimburses rental cost of a replacement vehicle when the insured vehicle is immobilized for more than 8 hours due to a claim from the casco policy, rented within the Czech Republic. Rental cost is capped at 1,000 CZK/day.

Cena nákladů na nájem je pojistitelem akceptována, pokud nepřevyšuje obvyklou cenu pro příslušnou značku vozidla v daném regionu, maximálně však do výše 1 000 Kč/den.

[60] Driver accident: Optional ↩

Optional supplementary accident insurance for the driver and passengers of the insured vehicle; in special cases it can be arranged standalone without MTPL or casco cover. The sum insured / limit is set by the policyholder according to their needs at their own responsibility (no fixed limit stated).

Limity pojistného plnění stanoví podle své potřeby a na vlastní odpovědnost pojištěný v pojistné smlouvě.

[61] Own damage: 100% of insured sum ↩

Covers damage or destruction of the insured vehicle caused by an accident (own fault or otherwise). The insured sum is the vehicle's usual (market) price at policy inception; claims are settled as repair cost or usual price minus deductible, adjusted for underinsurance.

a) určíme výši škody vzniklé pojistnou událostí, b) od škody odečteme spoluúčast, kterou se na ní jako pojištěný podílíte, c) tuto částku snížíme, pokud dojde k podpojištění

[62] Total loss: 100% of insured sum ↩

If the vehicle is totally damaged, the claim is calculated as the difference between its usual price a few seconds before the event and the value of usable remains.

Když dojde na totální poškození vozidla, výši škody určíme jako rozdíl mezi obvyklou cenou, kterou mělo vozidlo několik vteřin před pojistnou událostí, a hodnotou jeho využitelných zbytků.

[63] Partial loss: 100% of insured sum ↩

Partial damage is settled as reasonable and effective repair costs to restore the vehicle to its pre-event condition, based on prices usual for the Czech Republic, less the value of usable replaced parts; may also be settled by a fixed budget (rozpočet) if agreed.

Když půjde o částečné poškození, tak jako přiměřené a účelné náklady na opravu vozidla do stavu, v jakém bylo několik vteřin před pojistnou událostí. Náklady stanovíme podle cen, které jsou obvyklé pro Českou republiku.

[64] Theft & robbery: 100% of insured sum ↩

Theft (or robbery) of the whole vehicle or its parts/equipment is an insured event under the base casco cover; claims for full theft are settled at the vehicle's usual price, partial theft as partial/total damage. Customers can adjust the peril scope of the package on the insurer's website configurator.

Vozidla i jejich části se bohužel pořád kradou. Když někdo odcizí celé vozidlo, určíme škodu ve výši jeho obvyklé ceny, kterou mělo několik vteřin před odcizením.

[65] Glass damage: Optional ↩

A separate optional cover for the windscreen or all viewing glass (incl. mirror glass); the client chooses the scope in the contract. Claims are settled as reasonable costs of repair or replacement.

U nás si můžete pojistit čelní sklo, nebo všechna výhledová skla včetně skel zpětných zrcátek (dále jen „skla“). Záleží na tom, co si domluvíme ve smlouvě.

[66] Natural perils: Covered ↩

Natural perils cover (fire, flood, lightning, windstorm ≥20.8 m/s, hail, landslides/rockfalls) is included by default as part of the casco 'all risks' (Všechna rizika) variant, but can be removed by choosing a reduced variant without natural-perils cover.

Pokud vám například kapotu zničí kroupy, na auto spadne strom, je poškozeno nebo zničeno působením jiných přírodních sil.

[67] Vandalism: 100% of insured sum ↩

Vandalism (intentional damage by an unknown third party) is covered under the base casco insured event, conditional on prompt reporting to the police; if it is not reported without undue delay, the claim is not paid.

se pojištěná věc stane obětí vandalismu nebo ji někdo odcizí, ale Vy to bezodkladně neohlásíte policii

[68] Roadside assistance: Covered ↩

A basic assistance programme (breakdown/accident help in the Czech Republic and abroad, provided via partner GLOBAL ASSISTANCE a.s.) is included automatically at no extra cost with casco insurance; higher assistance programmes with broader limits can be selected.

V ceně havarijního pojištění máte automaticky asistenční program ZÁKLAD.

[69] Replacement vehicle: Optional ↩

A separate optional cover reimbursing rental cost of a replacement vehicle of a comparable class while the insured vehicle is damaged, destroyed or stolen; excludes routine servicing and running costs of the rental car.

Když si budete muset půjčit náhradní vozidlo, protože to, které jsme spolu pojistili, je poškozené, zničené nebo odcizené, zaplatíme Vám jako oprávněné osobě půjčovné.

[70] Driver accident: Optional ↩

A separate optional personal-accident cover for the driver (and, if agreed, passengers) paying benefits per the Oceňovací tabulky for bodily injury, permanent consequences, death or hospital stay resulting from a road accident.

Úrazové pojištění Vám zajistí finanční plnění za následky úrazu, který utrpíte při dopravní nehodě.

[71] Own damage: Optional ↩

Covers damage to the insured vehicle caused by collision, impact, fall of the vehicle or driving into water, provided this did not occur during unauthorized use or theft; also covers unintentional chemical paint damage and damage from falling objects not otherwise covered by the natural-perils module. The sum insured is the usual market value of the vehicle at the time of loss (or the agreed acquisition price if that was insured), so there is never underinsurance.

Uhradíme vlastníkovi škodu vzniklou na pojištěném vozidle následkem střetu, nárazu, pádu vozidla nebo jeho vjetí do vody, pokud k těmto událostem nedošlo během neoprávněného užívání vozidla či jeho krádeže.

[72] Total loss: Conditional ↩

Applies whenever an own-damage, theft, vandalism or natural-peril module is in force: if the vehicle is stolen or repair costs exceed its usual value, Pillow pays the usual market value of the vehicle less the deductible and the value of usable remains (kept by the owner), or the agreed acquisition price (not reduced by deductible) if that value was insured.

Vlastníkovi vozidla vyplatíme peníze ve výši obvyklé ceny vozidla snížené o spoluúčast a hodnotu použitelných zbytků vozidla – ty zůstávají v jeho vlastnictví.

[73] Partial loss: Conditional ↩

If repair costs are lower than the usual vehicle value, Pillow pays the reasonable repair cost less the deductible, either against an invoice or on a calculated repair-budget basis (budget-based payout is not available for the Glass module).

Částečná škoda: pokud jsou náklady na opravu nižší než obvyklá cena, zaplatíme přiměřené náklady na opravu vozidla snížené o spoluúčast.

[74] Theft & robbery: Optional ↩

Covers full theft of the vehicle (including robbery) and damage occurring while the vehicle is registered as stolen or was being used without authorization. Excludes loss where the vehicle was left unlocked/unsecured, loss by fraud or embezzlement, and theft using an original or duplicate key obtained without overcoming a security barrier. Sum insured is the usual market value of the vehicle.

Uhradíme vlastníkovi škodu vzniklou na pojištěném vozidle v případě, že: vozidlo je celé ukradeno (včetně násilné loupeže), vozidlo je poškozeno v době, kdy je policií evidováno jako ukradené, vozidlo je poškozeno v době, kdy bylo neoprávněně užíváno.

[75] Glass damage: Optional ↩

Covers sudden damage or destruction of the windscreen (incl. sunroof/panoramic roof) and mirror glass by any random event; the replacement cost includes parts the manufacturer requires to be replaced with the glass (e.g. sensors) and their calibration. The sum insured is the usual cost of glass repair/replacement (a formula, not a fixed unlimited amount).

Uhradíme vlastníkovi vozidla škodu vzniklou výhradně na výhledových sklech vozidla (včetně střešního okna či prosklené střechy) nebo na sklech zpětných zrcátek v případě, že dojde k jejich náhlému poškození či zničení jakoukoliv nahodilou událostí.

[76] Natural perils: Optional ↩

Covers damage from rockfall/landslide, earthquake, hail, weight of snow/ice, fire, explosion, direct lightning strike, flood, storm (incl. hurricane/tornado), falling pole, tree or meteorite, and falling branches caused by the above. A 10-day waiting period applies to flood damage from the start of the contract or from adding this module. Sum insured is the usual market value of the vehicle.

V prvních deseti dnech od uzavření pojistné smlouvy nebo od přidání tohoto polštáře do smlouvy nehradíme škody vzniklé povodní a záplavou.

[77] Vandalism: Optional ↩

Covers intentional damage to a parked insured vehicle by a third party, or theft/damage of a vehicle part during an attempted theft. Excludes damage visibly caused by another vehicle's operation (not intentional) and damage occurring after the vehicle was left unlocked/unsecured. Sum insured is the usual market value of the vehicle.

Uhradíme vlastníkovi škodu vzniklou na zaparkovaném pojištěném vozidle v případě, že: vozidlo úmyslně poškodí cizí osoba, část vozidla někdo ukradne či ho poškodí při pokusu o krádež.

[78] Roadside assistance: Optional ↩

Available in four selectable variants: 'Odtah 50 km při nehodě' (towing only, only for accidents, not breakdowns), 'Odtah 50 km' (towing up to 50 km incl. for breakdowns), 'Odtah v ČR neomezeně' (unlimited towing within Czechia) and 'Odtah i ze zahraničí' (unlimited towing incl. from abroad). All variants include on-site repair up to a time limit (1 hour, except organised only for the first variant), unlimited vehicle recovery/righting, towed-vehicle storage (10 days), and crew benefits (alternative transport, hotel accommodation for 1-3 nights, replacement vehicle for 3-7 days depending on variant, +10 days after theft).

Varianta Odtah 50 km při nehodě, Odtah 50 km, Odtah v ČR neomezeně, Odtah i ze zahraničí

[79] Replacement vehicle: CZK 600 – CZK 1,000 ↩

Provided under the Assistance module (up to 3 or 7 days depending on the assistance variant, +10 days after theft) and separately under the Uninsured Accident module for as long as repair reasonably takes. Daily reimbursement is capped by vehicle segment: A 600 CZK/day, B 800 CZK/day, C 1000 CZK/day; running costs (e.g. fuel) and damage to the replacement vehicle are not covered. Reasonable repair duration is assessed using expert systems and excludes delays caused by the client.

Maximální plnění za 1 den NV je omezeno dle segmentu automobilu: A 600 Kč (např. Citigo), B 800 Kč (např. Fabia), C 1000 Kč (např. Octavia).

[80] Driver accident: CZK 500,000 ↩

Available in two variants. 'Smrt obou rodičů' pays each child under 25 a monthly benefit of 10,000 CZK until the month of their 25th birthday if both parents die within 1 year following the accident. 'Úraz řidiče' pays a lump sum of 500,000 CZK on the driver's death or on disability (invalidity grade 2/3, within 3 years of the accident), plus 500 CZK per day of work incapacity beyond 28 days (max. 2 years).

Smrt obou rodičů měsíční částka 10 000 Kč ... Smrt řidiče jednorázová částka 500 000 Kč ... Invalidita řidiče jednorázová částka 500 000 Kč ... Pracovní neschopnost řidiče denní částka 500 Kč

[81] Own damage: Covered ↩

Havarijní pojištění covers the insured vehicle for the four named perils: havárie (collision), živelní událost (natural hazard), odcizení (theft) and vandalismus (vandalism). The insured sum is the vehicle's usual (market) value at conclusion, set by the policyholder. Two variants exist: TREFA (any vehicle age) and KLASIK (vehicles older than 5 years only, with a more restrictive settlement method).

Havarijní pojištění TREFA V souladu s VPPHAV 5/22 lze sjednat následující kombinaci: 1. Havárie, živelní událost, odcizení, vandalismus

[82] Total loss: 100% of insured sum ↩

A vehicle is classified as a total loss when it is not technically repairable or repair costs equal or exceed 80% of the vehicle's usual price. In that case the benefit equals the usual price immediately before the event, less the value of any usable remains.

Poškození vozidla, kdy jsou náklady na jeho opravu menší než 80 % obvyklé ceny vozidla.

[83] Partial loss: Covered ↩

Partial damage (repair cost below 80% of usual price) is settled either by an insurer expert-system cost estimate (rozpočet) or actual invoiced repair cost. Under TREFA, repair may take place at the insurer's contracted service network or at any other branded/non-branded garage. Under KLASIK, the claim is settled exclusively by cost estimate or repair at the insurer's contracted service network (vehicles older than 5 years only).

pojistné plnění se v případě částečné škody stanoví rozpočtem dle čl. 11, odst. 4 VPPHAV 5/22 nebo dle skutečné výše nákladů na opravu ve smluvním servisu pojistitele

[84] Theft & robbery: Covered ↩

Odcizení (theft/robbery of the vehicle or its parts) is one of the four perils included in both casco variants. Coverage requires the vehicle to be fitted with an immobiliser or an approved mechanical anti-theft device. Territorial scope follows the general casco territory (Europe incl. European Turkey, excluding Armenia, Azerbaijan, Belarus, Georgia, Moldova, Russia and Ukraine).

Podmínkou sjednání havarijního pojištění pro případ odcizení je vybavení pojištěného vozidla imobilizérem nebo schváleným mechanickým zabezpečením.

[85] Glass damage: Optional ↩

Optional add-on covering all viewing glass, including the roof/panoramic roof (not available for motorcycles, tricycles, quads or snowmobiles). The limit is set by the policyholder. A 50% deductible applies during the first 3 months, but it is waived if the vehicle is simultaneously covered by casco insurance, which is always the case when this add-on is attached to the casco product.

Pojištění skel vozidla se sjednává se spoluúčastí ve výši 50 %, z pojistného plnění v prvních 3 měsících trvání pojištění skel vozidla.

[86] Natural perils: Covered ↩

Živelní událost is one of the four included perils, covering flood, inundation, windstorm, fire, explosion, lightning, hail, earthquake, falling trees/rocks/landslides/avalanches, animal collision and animal bite damage to wiring.

b)živelní událost (do živelní události patří i okus kabelů a střet se zvířetem);

[87] Vandalism: Covered ↩

Vandalismus covers damage or destruction of the vehicle caused by proven intentional acts of a third party.

Poškození nebo zničení vozidla prokazatelně úmyslným jednáním třetí osoby.

[88] Roadside assistance: CZK 3,000 – CZK 8,000 ↩

Optional add-on (Rozšířené asistenční služby) offering a 24/7 call centre, on-site roadside repair (max. 60 minutes), spare-wheel change/tyre repair kit, fuel delivery, and towing. Základní rozsah covers towing up to 150 km or 3,000 CZK; Rozšířený rozsah covers towing up to 400 km or 8,000 CZK plus one night's replacement accommodation or a 3-day replacement vehicle or public-transport fare home. A separate, more extensive 'Neomezená asistence JÍZDA' product offers unlimited towing/repatriation and a 10-day replacement vehicle, and may be combined with either the liability or the casco policy.

Odtah vozidla max. 400 km nebo 8 000 Kč, včetně vyproštění, naložení a složení, a to i hydraulickou rukou

[89] Replacement vehicle: Optional ↩

Optional add-on covering rental of a replacement vehicle (cars and vans up to 3,500 kg) for up to 15 days during repair, or up to 30 days in case of theft or total loss. Payable only if repair time exceeds 8 standard-hours, the rental firm operates commercially in Czechia, the replacement is of equal or lower (max. mid-range) class, and rental cost does not exceed 1,200 CZK excl. VAT per day. Sold without a deductible.

Předmětem pojištění nájmu náhradního vozidla jsou náklady na pronájem náhradního vozidla za poškozené vozidlo uvedené v pojistné smlouvě po dobu jeho opravy, nejvýše však na 15 dní.

[90] Driver accident: Optional ↩

Optional obnosové (lump-sum) accident cover for the driver and/or passengers of the insured vehicle, for vehicles with up to 9 seats, paying out for permanent injury or death caused by a traffic accident/collision. The sums insured for permanent injury and death are set by the policyholder and act as the plan's maximum limits. Sold without a deductible.

Úrazové pojištění přepravovaných osob se sjednává jako pojištění obnosové. Pojištění je možné sjednat pro vozidla s maximálně 9 místy k sezení.

[91] Own damage: 100% of insured sum ↩

Core peril of Allrisk HAV. Insured sum equals the vehicle's usual (market) price, which is also the maximum limit of indemnity per claim. Deductible options of 5,000, 10,000 or 15,000 CZK; deductible rises to 99.9% until photo documentation of the vehicle is submitted via the insurer's mobile app. A standalone rider 'Pojištění havárie' is also available with a limit of 100,000–500,000 CZK, deductible 5,000 CZK, for vehicles up to 15 years old.

Pojistná částka v úrovni obvyklé ceny vozidla Spoluúčast do doručení fotodokumentace ve výši 99,9%.

[92] Total loss: 100% of insured sum ↩

Total loss occurs when the vehicle is stolen, destroyed, or damaged so that reasonable repair cost equals or exceeds 80% of the vehicle's usual price immediately before the event. Payout equals the usual price of the vehicle less the usual value of usable salvage; the policy terminates upon payout.

[93] Partial loss: 100% of insured sum ↩

Where reasonable repair cost is below 80% of the vehicle's usual price, the insurer reimburses the reasonable repair cost less the value of replaced salvage parts, up to the vehicle's usual price as the per-claim limit. Policyholder may opt for settlement via a pre-agreed 'rozpočet' (budget) using aftermarket parts and non-branded service rates.

[94] Theft & robbery: 100% of insured sum ↩

Core peril of Allrisk HAV covering theft or robbery of the whole vehicle or its parts; insured sum equals the vehicle's usual price. Mandatory immediate police report required. A standalone rider 'Odcizení celého vozidla' is also available for vehicles up to 15 years old, limit 100,000–500,000 CZK, deductible 5,000 CZK, with a 50% deductible for the first 3 months of cover or until photo documentation is submitted.

Odcizení celého vozidla 100 až 500 tis. Kč (5000 Kč) Určeno pro osobní automobil. Pro vozidla do 15 let stáří. Povinné neprodlené šetření policií.

[95] Glass damage: CZK 5,000 – CZK 100,000 ↩

Not part of the core Allrisk HAV bundle; available as a separate rider covering windscreen, roof-mounted windows and exterior mirror glass. Limit 5,000–100,000 CZK, deductible 500 CZK (0 CZK if the glass is repaired rather than replaced). No vehicle inspection is required for claim settlement.

Pojištění skel 5 až 100 tis. Kč (500 Kč, v případě opravy skla 0 Kč) Územní platnost shodná s Allrisk HAV.

[96] Natural perils: 100% of insured sum ↩

Core peril of Allrisk HAV (hail, fire, lightning strike, windstorm, explosion, flood, avalanche, falling tree); insured sum equals the vehicle's usual price. A standalone rider is also available: 50,000 CZK if included within an MTPL package, or 100,000–500,000 CZK if bought as a separate rider, deductible 500 CZK, with a 50% deductible for the first 3 months or until photo documentation is submitted.

Živelní pojištění 50 tis. Kč pokud je součástí balíčku, 100 až 500 tis. Kč v případě připojištění (500 Kč) Spoluúčast na první 3 měsíce pojištění ve výši 50%, nebo do doručení fotodokumentace.

[97] Vandalism: 100% of insured sum ↩

Core peril of Allrisk HAV covering intentional damage by a third party to a parked vehicle, provided the event was reported to and investigated by the police; insured sum equals the vehicle's usual price. A standalone rider is also available: 30,000 CZK if included within a package, or 100,000–200,000 CZK as a separate rider, deductible 2,500 CZK, with a 50% deductible for the first 3 months or until photo documentation is submitted.

Pojištění vandalismu 30 tis. Kč pokud je součástí balíčku, 100 a 200 tis. Kč v případě připojištění (2500 Kč) Spoluúčast na první 3 měsíce pojištění ve výši 50%, nebo do doručení fotodokumentace.

[98] Roadside assistance: Optional ↩

Provided by Global Assistance a.s. via a dedicated 24/7 line, sold as a rider with four selectable levels (S/M/XL/VIP). S: roadside repair up to 60 min (max 3,000 CZK domestic / 6,000 CZK abroad), towing organized only. M: towing to nearest service, extrication up to 3,000/6,000 CZK, storage 3 days. XL: towing up to 200 km, unlimited extrication, storage 5 days, replacement vehicle up to 5 days, foreign repatriation included. VIP: unlimited-km domestic towing (400 km abroad), unlimited extrication, storage 10 days, replacement vehicle up to 9 days, full repatriation of vehicle/driver's remains, key delivery.

Silniční služba (příjezd a odjezd) Silniční služba (práce mechanika), např. start přes kabely nebo výměna pneumatiky v případě defektu, dovoz PHM.

[99] Replacement vehicle: 3 days – 10 days ↩

Optional rider providing a replacement vehicle for 3, 5 or 10 days (unit is days, not currency), delivered via Global Assistance for cars/vans up to 3.5 tonnes; days stack with any replacement-vehicle days already included in the selected assistance tier (M/XL/VIP).

Pojištění náhradního vozidla 3 dny, 5 dní nebo 10 dní

[100] Driver accident: CZK 200,000 ↩

Optional rider (DPP PUR) for the driver and/or passengers of the insured vehicle: 200,000 CZK for permanent injury (trvalé následky) and 100,000 CZK for death by accident. The insured amounts can be increased up to five times. Minimum 8% permanent bodily impairment threshold applies for permanent-injury claims.

Pojištění úrazu řidiče, případně osob dopravovaných vozidlem 200 tis. Kč trvalé následky úrazem 100 tis. Kč smrt úrazem Možno až pětinásobek pojistných částek.

[101] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle caused by collision (havárie), i.e. sudden and accidental action of external forces (impact, fall, collision), up to the sum insured (pojistná částka) agreed in the policy. Included in the 'Komplet' combination of perils.

a) havárií,

[102] Total loss: 100% of insured sum ↩

A loss is treated as total when the cost to repair in new-part prices exceeds 80% of the vehicle's usual (obvyklá) value on the day of the loss (also applies to theft). Indemnity equals the vehicle's usual value at the date of loss, less salvage value, capped at the sum insured.

V případě totální škody, vzniklé na pojištěném vozidle (včetně odcizení vozidla), vychází pojistitel při výpočtu výše pojistného plnění z obecné ceny vozu ke dni vzniku škody.

[103] Partial loss: 80% of insured sum ↩

Indemnity equals reasonable repair costs in new-part prices, less usable remains, up to a maximum of 80% of the vehicle's usual value on the day of loss; losses exceeding this threshold are settled as total losses.

V případě parciální škody, vzniklé na pojištěném vozidle, jsou pojistným plněním přiměřené náklady na opravu vozidla v cenách nových dílů, po odpočtu využitelných zbytků maximálně do výše 80 % obecné ceny vozu ke dni vzniku pojistné události.

[104] Theft & robbery: 100% of insured sum ↩

Covers theft by burglary (perpetrator provably overcame a securing obstacle) or robbery (use of violence or threat of violence) of the vehicle or its part; indemnity equals the vehicle's usual value at the date of theft, less salvage value, up to the sum insured.

f) odcizením (krádeží i loupeží) vozidla nebo jeho části.

[105] Glass damage: CZK 10,000 – CZK 50,000 ↩

Damage to vehicle glass is excluded from base KASKO cover unless other covered damage occurs simultaneously, and must be purchased as a separate glass rider. Offered as 'Standard' (no additional plnění limit; base = vehicle's usual value) or 'Limit' (a chosen sum, e.g. 10,000 / 20,000 / 50,000 CZK) covering front and other windows including roof glass.

Do výše zvoleného limitu plnění, např. 10.000 Kč, 20.000 Kč, 50.000 Kč

[106] Natural perils: 100% of insured sum ↩

Covers fire, explosion, lightning strike, flood, windstorm, hail, landslide, rockfall/avalanche, snow weight and earthquake; included in both the 'Komplet' and the 'Odcizení' (theft-only) combination of perils, up to the sum insured.

c) živelní událostí,

[107] Vandalism: 100% of insured sum ↩

Covers damage to the insured vehicle caused by the intentional act of a third party. Included only in the 'Komplet' combination of perils; not covered under the 'Odcizení' (theft-only) variant.

b) vandalismem,

[108] Roadside assistance: Optional ↩

Basic 'UNIQA asistence' (technical assistance, roadside help) is included free of charge with the KASKO policy; an extended tier ('UNIQA asistence rozšířená'/PLUS, incl. SafeLine and direct claims settlement 'Profík') is available as a paid add-on with higher per-service limits.

Asistence základní nebo Asistence rozšířená vč. Přímé likvidace „Profík“ nebo asistence Safeline vč. Přímé likvidace „Profík“

[109] Replacement vehicle: 5% of insured sum ↩

Optional add-on reimbursing rental of a replacement vehicle of the same brand and equal or lower category during repair, for the usual repair duration. The per-day contribution is capped at 5% of the sum insured (waived limit if repaired at a UNIQA contracted service), and the total payout may not exceed 50% of the indemnity paid for the repair under the KASKO cover; for glass-only claims the maximum rental period is one calendar day.

Při parciální škodě pojistitel uhradí příspěvek na vypůjčení náhradního vozidla stejné značky a stejné nebo nižší kategorie než vozidlo opravované, nejdéle však po dobu opravy, nebylo-li vypůjčené vozidlo vráceno dříve.

[110] Driver accident: CZK 100,000 – CZK 1,600,000 ↩

Optional 'Pojištění sedadel' rider covering injury or death of the driver/occupants during use of the vehicle. Four variants (I–IV): permanent disability sums 100,000 / 400,000 / 800,000 / 1,600,000 CZK; death benefit 50,000 / 200,000 / 400,000 / 800,000 CZK; daily hospitalisation/treatment benefit 100 / 200 / 400 / 400 CZK per day.

I 100.000 Kč 50.000 Kč 100 Kč 100 Kč

[111] Own damage: Not established from the insurer's documents ↩

Covers damage or destruction of the insured vehicle by any sudden random event (collision, impact, etc.), up to the total insured sum, less deductible; available in the Praktik and Komplet variants, not covered under the Expert variant which excludes at-fault collision damage.

poškození nebo zničení pojištěného vozidla jakoukoliv nahodilou událostí, např. náraz na jakoukoli překážku, střet s jiným účastníkem silničního provozu, pád stromů, skal a jiných předmětů, které nejsou součástí pojištěného vozidla, požár, výbuch, blesk, krupobití, vichřice, sesuv půdy nebo lavin, zemětřesení, povodeň, záplava, zásah cizí osoby.

[112] Total loss: Not established from the insurer's documents ↩

In case of total loss (destruction or economically unrepairable damage), the insurer pays the usual price of the vehicle at the time of the insured event less the value of usable remains; applies across all three variants whenever the triggering peril is covered.

totální škodou se rozumí zničení nebo takové poškození vozidla, jehož oprava je technicky neproveditelná nebo není ekonomicky účelná; o ekonomické účelnosti opravy rozhoduje pojistitel na základě porovnání nákladů na opravu s obvyklou cenou vozidla

[113] Partial loss: Not established from the insurer's documents ↩

If repair is economically viable, the insurer covers the usual repair costs after deducting the agreed deductible; available under Praktik and Komplet, not under Expert (which excludes at-fault collision damage).

je-li oprava poškozeného vozidla ekonomicky účelná, hradí pojistitel náklady na opravu obvyklé v České republice v opravně doporučené pojistitelem

[114] Theft & robbery: Not established from the insurer's documents ↩

Covers theft of the insured vehicle or its parts, including burglary-type theft or robbery, up to the total insured sum; available under the Expert and Komplet variants, not covered under Praktik.

Krádeže pojištěného vozidla s přiděleným evidenčním číslem České republiky (dále jen „vozidlo“) či jeho částí, krádeže vloupáním nebo loupežným přepadením.

[115] Glass damage: Not established from the insurer's documents ↩

Optional supplementary cover (cannot be sold standalone) for sudden damage or destruction of vehicle glass occurring separately from other vehicle damage; the insurer pays up to the limit agreed in the policy, with a deductible of 10% of the claim, minimum CZK 500.

V případě připojištění skel se sjednává spoluúčast pojištěného ve výši 10% z pojistného plnění, minimálně však ve výši 500Kč.

[116] Natural perils: Not established from the insurer's documents ↩

Covers damage from fire, explosion, lightning, hail, windstorm, landslide or avalanche, earthquake, flood and inundation, and loss of the vehicle due to flood; included in all three variants (Praktik, Expert, Komplet).

Pojištění se dále sjednává pro případ ztráty vozidla v důsledku povodně a záplavy.

[117] Vandalism: Not established from the insurer's documents ↩

Covers damage caused by intervention of a third party (vandalism) to the insured vehicle; included in all three variants (Praktik, Expert, Komplet).

zemětřesení, povodeň, záplava, zásah cizí osoby.

[118] Roadside assistance: Not established from the insurer's documents ↩

Basic assistance services are included free of charge with the policy, governed by the insurer's current list of assistance services and payable only when arranged via Wüstenrot assistance; enhanced assistance is available for an extra annual fee.

Pojištění dále zahrnuje základní asistenční služby, jejichž poskytování je upraveno v aktuálním seznamu asistenčních služeb. Pojistitel služby uhradí pouze v případě využití prostřednictvím Wüstenrot assistance.

[119] Replacement vehicle: Not established from the insurer's documents ↩

Optional supplementary cover (cannot be sold standalone) reimbursing rental costs of a replacement vehicle during repair after an accident investigated by the Police, up to a daily limit of CZK 1,200 (excl./incl. VAT depending on VAT payer status), rented only within the Czech Republic; no deductible applies; the overall per-claim limit is set individually in the policy.

Připojištění vozidla se vztahuje na úhradu nákladů za nájem náhradního vozidla po dobu opravy vozidla, maximálně však do výše limitu pojistného plnění sjednaného v pojistné smlouvě a současně do výše denního limitu 1200Kč bez DPH, platného pro plátce DPH, a 1200Kč včetně DPH pro neplátce DPH.

[120] Driver accident: Not established from the insurer's documents ↩

Optional supplementary cover (cannot be sold standalone) for death or permanent injury caused by accident to persons transported in the vehicle; a combined sum insured of CZK 1,000,000 applies for all occupants together at the time of the event, divided among them if more than one is affected.

Pojistná částka celkem ve výši 1000000Kč platí pro všechny osoby přepravované vozidlem v době vzniku pojistné události, a to pro případ trvalých následků úrazem a pro případ smrti úrazem.