Allianz
Allianz is a motor casco insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Direct claims settlement (Přímá likvidace) is available as an add-on to all packages. If another vehicle causes damage to the insured vehicle and their liability is proven, Allianz handles the entire claim on the policyholder's behalf without needing to contact the at-fault party's insurer. Available within Europe (incl. European Turkey and Greek part of Cyprus) except Belarus, Ukraine, Russia and Moldova.
Geographic scope
CZ
Evropa včetně evropské části Turecka a řecké části Kypru, s výjimkou Běloruska, Moldavska, Ruska a Ukrajiny
Unique selling points
- Pay-per-kilometre pricing for vehicles up to 3.5 tonnes means lower-mileage drivers pay less, with annual recalibration based on odometer photos.
- GAP insurance (Doplatek na nové) in the MAX package pays out the original purchase invoice price — without applying any deductible — in the event of total loss within 2 years of policy inception.
- Direct claims settlement (Přímá likvidace) add-on lets policyholders deal exclusively with Allianz after a third-party collision, without contacting the at-fault driver's insurer.
- Extended roadside assistance in PLUS/EXTRA/MAX includes a replacement vehicle (up to 6 days), hotel accommodation (up to 3 nights at 2,000 CZK/person/night), and towing up to 150 km to any chosen location — all included without an additional premium.
- Legal advice and roadside assistance hotline is available 24 hours a day, 7 days a week, reachable from anywhere in Europe at +420 241 170 000, and is included in all four packages.
Coverage limits
Own damage (Havárie)
Covered
Covers accidental sudden damage to the insured vehicle caused by external mechanical forces (collision, impact, fall) or chemical substances on the exterior painted surfaces. Compensation is paid up to the current Czech market value of the vehicle immediately before the loss event, after deduction of the agreed deductible and the value of salvageable remains. Included only in the MAX package.
Total loss
Covered
A total loss occurs when repair costs exceed 80% of the usual market value of the vehicle at the time of the loss. Settlement is financial: Allianz pays the usual Czech market procurement cost for an equivalent vehicle, less depreciation, salvageable remains value, and the agreed deductible. With the optional GAP add-on (available in MAX), the vehicle purchase price (per new vehicle invoice) is paid without deductible, provided the total loss occurs within 2 years of policy inception.
Partial loss (repair)
Covered
Repair costs are covered when they do not exceed 80% of the usual Czech market value of the insured vehicle at the time of the loss. Settlement may be by invoice from an authorised or contracted repair shop, or by a repair estimate (calculated on the basis of standard non-branded workshop rates, excluding VAT, and manufacturer labour-time norms). The agreed deductible is deducted from the final payment. If the policyholder is required by contract to use Allianz contracted repair shops and fails to do so, a double deductible applies.
Theft and robbery (Krádež)
Covered
Covers theft of the vehicle, its parts, equipment and luggage (luggage requires proven forced entry into a locked vehicle or locked box), as well as damage caused by theft or attempted theft. Also covers robbery and unauthorized use of the vehicle. Compensation is paid up to the current Czech market value of the vehicle. Vehicle must have been locked and secured with manufacturer-specified equipment at time of theft. Claim payment may be reduced by up to 50% if theft was committed using the vehicle's own keys or remote controls obtained other than through robbery or burglary. Available in EXTRA and MAX packages.
Glass damage (Skla)
Covered
Covers damage to windshield, side windows, rear window, panoramic roof or sunroof used for visibility from the vehicle. Repair is covered where possible; otherwise replacement is covered. Causes include accident, natural events, fire or explosion, theft, vandalism, and animal damage. Compensation is paid up to the current Czech market value of the entire vehicle. Excludes damage to side and rear windows of buses and related items (motorway stickers, protective films, opening mechanisms, custom glass modifications). Available in EXTRA and MAX packages.
Natural perils (Přírodní události)
Covered
Covers damage to the insured vehicle caused by natural events including: flood, inundation, windstorm (wind speed above 75 km/h), earthquake, landslide or avalanche, rockfall, hail, lightning strike, and falling snow, ice, tree, branch, pole, public column of any line or lighting. Compensation up to the current Czech market value of the vehicle after deductible. Fire and explosion coverage for sudden and accidental fire or spontaneous explosion is also included in PLUS, EXTRA and MAX packages. Animal damage (proven damage caused solely by an animal, or following a collision with a domestic or wild animal) is also covered. Available in PLUS, EXTRA and MAX packages.
Vandalism
Covered
Covers damage provably caused by intentional acts of third parties. The vehicle must have been parked at the time and it must be demonstrated that the damage was not caused by the operation of another vehicle. Excludes damage to the interior when the vehicle was left unlocked and unsecured by manufacturer-specified equipment. Available in EXTRA and MAX packages.
Roadside assistance
Covered
Basic assistance is included in all packages (KOMFORT, PLUS, EXTRA, MAX): on-site repair (max. 1 hour), towing to the nearest contracted workshop within 20 km, and transport of passengers (max. 50 km). Extended assistance is included in PLUS, EXTRA and MAX: on-site repair, towing up to any location within 150 km, transport of passengers (max. 100 km), hotel accommodation (up to 3 nights, max. 2,000 CZK/person/night), replacement vehicle (up to 6 days for damage/vandalism/theft, 4 days for breakdown), return transport to place of residence by train (1st class) or aircraft (economy, if over 750 km), and additional services. Unlimited use except battery-related interventions (max. twice per policy year). Available 24/7, reachable at +420 241 170 000. Valid across Europe including European Turkey, except Belarus, Moldova, Russia and Ukraine.
Replacement vehicle
Covered
Included in extended assistance (PLUS, EXTRA, MAX). A replacement vehicle is provided when the insured vehicle becomes non-operational: up to 6 calendar days in case of vehicle damage, vandalism or theft; up to 4 calendar days in case of breakdown, fuel mix-up, fuel shortage, discharged EV battery, locked-out vehicle, or loss/damage of keys. The replacement vehicle class is one tier below the insured vehicle, maximum lower mid-class (e.g. Škoda Rapid). For EVs, an electric lower mid-class vehicle is provided where possible. Delivery and return costs covered up to 50 km from collection point. The rental agreement is signed directly with the hire company.
Accident insurance (driver and passengers)
Covered
Included in all packages (KOMFORT, PLUS, EXTRA, MAX). Pays out the insured sum in the event of death or permanent disability of any member of the vehicle crew (driver and all passengers) resulting from a traffic accident injury. For children and old-age pensioners, benefit is also paid upon establishment of any degree of dependency on assistance of another person resulting from a traffic accident injury. Payment is reduced for unbelted occupants where required by law. Excluded: injuries arising from driving under influence, racing, closed-circuit driving, or when vehicle was technically unfit for operation.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirements are stated in the policy conditions for the standard product. However, the rental car company's own conditions apply when a replacement vehicle is provided and may include age restrictions (e.g. driver over 21 years old and licensed for more than 2 years, as referenced in the supplementary assistance conditions for fleet products).
repair_network_requirements
For losses occurring in the Czech Republic, the insurance contract may stipulate an obligation to use Allianz contracted repair shops. If the policyholder violates this obligation, a double deductible applies. For losses occurring abroad, repair should ideally take place in the Czech Republic; partial repairs necessary to maintain road safety are permitted abroad with prior Allianz approval. For EVs damaged in the Czech Republic, repair is only possible at Allianz contracted authorised service centres. After repair, the insurer pays the contracted repair shop directly. A list of contracted repair shops is available on allianz.cz.
territorial_scope
All casco coverages (havárie, natural perils, theft, vandalism, glass, assistance) are valid throughout Europe including the European part of Turkey and the Greek part of Cyprus, with the exception of Belarus, Moldova, Russia and Ukraine. Third-party liability (MTPL) is valid in EU/EEA states and other countries indicated on the Green Card.
anti_theft_requirements
The policyholder is required to lock the vehicle and activate any security device specified by the manufacturer each time the vehicle is left unattended. Theft claims may be declined for vehicles left unlocked or unsecured. Stolen demounted or simply stored parts (e.g. winter tyres in a garage) are not covered. Claim payment for luggage theft requires proven forced entry into a locked vehicle or locked box. Insurer may reduce the theft claim payment by up to 50% if the theft was committed using the vehicle's own keys or remote controls obtained other than through robbery or burglary.
claim_notification_deadline
The insured must notify Allianz of a loss without undue delay (bez zbytečného odkladu), ideally within 24 hours of the event or of becoming aware of it. Theft, vandalism, fire and certain other events must be reported to the Police without delay; failure to report theft/vandalism immediately may result in denial of the claim. The vehicle may not be repaired or evidence removed before Allianz inspection, unless safety, hygienic, ecological or other serious reasons apply (in which case photographic documentation must be taken first). If Allianz does not respond within 7 days of receiving loss notification, the policyholder may proceed with repairs. Insurer must complete its investigation within 3 months and pay approved claims within 15 days of completing the investigation.
deductible_rules
A deductible (spoluúčast) applies to casco claims (havárie, natural perils, theft, vandalism and glass). The exact deductible amount is agreed in the insurance contract. Based on policy documentation, two standard options are available: 5% with a minimum of 5,000 CZK, or 10% with a minimum of 10,000 CZK. The deductible is subtracted from the final claim payment. No deductible applies to the GAP (Doplatek na nové) coverage component. A double deductible applies if the policyholder fails to use the Allianz contracted repair shop as required by the contract. The insurer may also offset any unpaid premiums (including from other contracts) against the claim payment.
Policy specifics
Comprehensive damage coverage
Coverage for damage to the insured vehicle from traffic accidents, theft, natural disasters, vandalism, animal collision, and damage to parked vehicle
Glass breakage coverage
Optional coverage for windshield and glass breakage
Roadside assistance services
Optional assistance services including on-site repair, towing, spare vehicle rental, accommodation, and legal advice
Deductible (excess)
Customers can choose variable deductible amounts depending on the package and coverage type selected
Territorial validity
Comprehensive insurance and related coverages valid on European territory
Four package system
MojeAuto offers four packages: Komfort (basic with legal assistance), Plus (natural disasters), Extra (vandalism/theft/parking damage), Max (comprehensive including own-fault collisions)
Accident injury insurance
Coverage for driver and passenger injuries from traffic accidents; covers death or permanent disability. Included in all packages (KOMFORT, PLUS, EXTRA, MAX).