Allianz pojišťovna, a.s.
Allianz
Allianz is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Allianz operates a network of contracted repair shops and can pay claims directly to the garage (cashless settlement); the policy may make repair at a contracted garage mandatory in the Czech Republic. Repairs carried out outside the contracted network are reimbursed only up to the cost that would apply within the network, and breaching a contractual repair-network obligation can trigger a doubled deductible.
Geographic scope
Czech Republic
Comprehensive cover (natural perils, fire/explosion, animal damage, theft, glass, vandalism, collision, assistance) applies throughout Europe, including the European part of Turkey and the Greek part of Cyprus, excluding Belarus, Moldova, Russia and Ukraine. MTPL follows the states shown on the Green Card.
Unique selling points
- Premium is based on actual annual mileage for vehicles up to 3.5 t, with mileage checked via odometer photo, rather than a flat rate regardless of use.
- 24/7 telephone legal advice on accidents, customs, licence/registration issues and vehicle purchase/sale is included as standard in every package, with a CZK 50,000 cover limit.
- GAP cover (Doplatek na nové) in the MAX package pays the full new-vehicle purchase price on a total loss within 2 years, with no deductible applied.
- Allianz Plus loyalty program doubles the accident-insurance payout (up to CZK 1,000,000) and quadruples the standard luggage/roof-box limit (from CZK 15,000 to CZK 65,000) for customers who combine MojeAuto with home or life insurance.
- Claim status can be tracked step-by-step online via a personalised link (Průvodce sledováním stavu škody), covering reporting, assessment, repair/payout and feedback.
Coverage limits
Collision damage (Havárie)
Optional
Only in Max
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.
Total loss settlement
80% of insured sum
Only in Plus, Extra, Max
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).
Partial damage repair
80% of insured sum
Only in Plus, Extra, Max
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.
Theft and robbery
Optional
Only in Extra, Max
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.
Glass breakage
Optional
Only in Extra, Max
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.
Natural perils
Optional
Only in Plus, Extra, Max
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.
Vandalism
Optional
Only in Extra, Max
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.
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.
Replacement vehicle (days)
€4 – €6
Only in Plus, Extra, Max
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.
Driver/passenger accident insurance
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).
Key conditions
Driver age and experience limit
The published terms do not state a minimum driver age or experience requirement for eligibility; the policyholder's age is used only as one of several individual premium-rating factors.
Repair network requirements
Allianz offers a network of contracted repair shops with faster turnaround and direct payment to the garage; in the Czech Republic the policy may require repair exclusively at a contracted service. Repairing outside the network is reimbursed only up to in-network cost, and an unauthorised breach of a contractual repair obligation can result in a doubled deductible.
Territorial scope
Comprehensive cover (excluding MTPL) is valid throughout Europe, including the European part of Turkey and the Greek part of Cyprus, but excluding Belarus, Moldova, Russia and Ukraine.
Anti-theft requirements
The policyholder must lock the vehicle and activate any manufacturer-fitted anti-theft device whenever the vehicle is left unattended; theft claims for items in an unlocked or unsecured vehicle, and interior vandalism damage under the same circumstances, are excluded.
Claim notification deadline
Claims should be reported as soon as possible, ideally within 24 hours of the event or of becoming aware of it, without undue delay.
Deductible rules
A deductible chosen at inception applies to natural perils, fire/explosion, animal damage, theft, vandalism, collision and glass claims and is deducted from the settlement; GAP (Doplatek na nové) is paid without any deductible; repairing outside the contracted network in breach of the policy can trigger a doubled deductible.
Where to buy
Policy specifics
Vehicle inspection requirement (VINFOTO)
Not established from the insurer's documents
Comprehensive motor insurance requires vehicle inspection by VINFOTO (Cebia) before coverage becomes effective. Coinsurance increases to 50% until inspection is completed.
SourceThird-party source, not the insurer's documentSource no longer reachableAnnual mileage-based pricing
Not established from the insurer's documents
Allianz Comprehensive Motor Insurance uses annual mileage estimation for premium calculation. Mileage is reassessed annually and premiums adjusted accordingly.
SourceThird-party source, not the insurer's documentGAP (Doplatek na nové) new-vehicle top-up
Available only with the MAX package: if a total loss occurs within 2 years of the policy's inception, Allianz pays the price shown on the new-vehicle purchase invoice, without any deductible, instead of the depreciated market value.
SourceSource no longer reachableClaims settlement timeline
Once a claim is accepted, Allianz pays the settlement in Czech korunas within 15 days of concluding the claim investigation; where settlement is based on a repair cost estimate accepted by the policyholder, payment follows within 2 business days of that acceptance.
SourceSource no longer reachableCashless repair network option
Policyholders can choose between cashless repair at Allianz partner repair shops or receiving cash reimbursement to visit a garage of their choice.
SourceTerritorial validity - Europe with exceptions
Comprehensive motor insurance is valid throughout Europe including full Turkey, excluding Belarus, Moldova, Russia, and Ukraine.
SourceSources
- https://customer.myayvens.cz/dokumenty/cz/Allianz_IPID.pdf
- https://www.allianz.cz/cs_CZ/pojisteni/auta-a-vozidla/autopojisteni/havarijni-pojisteni.html
- https://www.srovnavac.cz/havarijni-pojisteni/allianz
- https://www.top-pojisteni.cz/havarijni-pojisteni/porovnani-pojistovenallianzSource no longer reachable