ČPP
ČPP is a motor casco insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Claims are settled based on an invoice for repair using new parts, or by a repair estimate (rozpočtem) if agreed. In the case of total loss or theft, the payment equals the usual market price of the vehicle immediately before the insured event minus the value of usable remains. Payment is made within 15 days of conclusion of the investigation. The insurer pays in CZK. If the entitled person is a VAT payer, payment is made net of VAT unless the person proves they have no right to deduct VAT.
Geographic scope
CZ
Geografické území Evropy včetně Turecka s výjimkou Ruska, Běloruska, Ukrajiny a Moldávie (VPPHAV čl. 2 odst. 7)
Unique selling points
- Automatic free Asistence STANDARD (24/7, Czech language support) included with every casco policy, with limits that stack when combined with MTPL insurance.
- Optional ESO add-on (from CZK 199/year) eliminates the deductible entirely for partial-loss repairs at contracted non-authorised service centres, provided the pre-deductible claim amount exceeds CZK 20,000 and the loss is not a total loss or full-vehicle theft.
- Bonus transfer from MTPL to casco accepted (via ČKP database), enabling new casco customers to immediately benefit from their claim-free MTPL history with up to 50% discount.
- Asistence CAR Premium optional upgrade provides unlimited towing across all of Europe (no financial cap in CZ or abroad up to 1,500 km), plus a mid-class replacement vehicle for up to 15 days – a market-leading level of roadside assistance coverage.
- Short-term seasonal or one-to-two month casco coverage is available as a standalone add-on to existing MTPL, with no obligation to commit annually – unique flexibility for seasonal or occasional drivers.
Coverage limits
Own damage (collision/accident)
Covered
Covers damage or destruction of the insured vehicle caused by a sudden, external, accidental violent event such as collision, impact with an obstacle or animal, fall or submersion. Settlement is by invoice (new parts) or by estimate at a labour rate of CZK 450/hour (ex-VAT). The insurer's maximum liability is the insured sum (usual market value of the vehicle at the time of loss). Total loss is declared when repair costs exceed 80% of usual vehicle value.
Total loss
Covered
In the event of total loss (repair costs exceed 80% of usual vehicle value) or theft of the whole vehicle, the insurer pays the usual market price of the vehicle immediately before the insured event minus the value of usable remains. Usable remains stay with the insured. The claim limit equals the insured sum (usual vehicle value at time of loss).
Partial loss (repair)
Covered
For partial damage, the insurer pays the usual, purposefully and economically incurred repair costs based on a submitted invoice using new parts. Alternatively, payment by estimate is possible if agreed; in that case the labour rate is CZK 450/hour (ex-VAT) and parts are priced at quality-equivalent (OEM-comparable) level. If the vehicle was damaged abroad, only costs for emergency roadworthiness are covered at Czech price levels unless no Czech-market repair option exists.
Theft / robbery of whole vehicle
Covered
Covers seizure of the insured vehicle, its part or equipment by theft (with proof of overcoming security barriers), burglary or robbery, including damage or destruction occurring between the time of theft and return of the vehicle. For theft of the whole vehicle, payment of up to the usual vehicle value is made after receipt of the criminal investigation outcome, subject to surrender of all keys, documents and locks to the insurer. For theft of parts/equipment from a locked vehicle, proof of overcoming barriers is required; airbags, electronic components and built-in AV/navigation devices require repair at an authorised contracted service centre.
Glass / windscreen damage
Optional
Optional add-on covering damage, destruction or theft of vehicle windows serving as outlook (front, side and rear glass). Excludes glass on motorcycles, tricycles, quads, roof windows and panoramic roofs. Covered perils: accident, natural peril, theft and vandalism. Deductible: 30% for first 3 months of coverage, then CZK 500 (waived if vehicle is also covered by casco, glass is repaired by welding, or if insurance was taken out when buying a new vehicle). Claim limit chosen by policyholder. Payment requires repair or replacement at a contracted service partner of the insurer (Global Assistance partner network).
Natural perils / elemental events
Covered
Included in the full casco combination (HAVÁRIE, ŽIVELNÍ UDÁLOST, ODCIZENÍ, VANDALISMUS). Covers: fire, explosion, direct lightning strike, rockfall, landslide or avalanche, falling trees or objects (caused by weather), hail, flood or inundation, storm (wind ≥75 km/h), earthquake, damage to vehicle wiring by an animal, and mechanical damage to a stationary vehicle by an animal. For the partial-loss mini variant (ODCIZENÍ, VANDALISMUS, ŽIVELNÍ UDÁLOST, STŘET SE ZVÍŘETEM), natural perils are also included but accident (havárie) is not. An optional 'Pojištění přírodních rizik' add-on extends coverage to collision with an animal and wiring damage, limited to CZ and neighbouring states within 30 km of the Czech border.
Vandalism
Covered
Covers damage or destruction of the vehicle caused by a proven intentional act of a third party. Included in both available casco combinations (full AllRisk and mini variant). Settlement is by invoice or estimate; partial loss claims under the optional Přírodní rizika and Servis Pro add-ons require repair at a contracted non-authorised service partner.
Roadside assistance (Asistence STANDARD)
Covered
Asistence STANDARD is automatically included with casco insurance at no extra charge, provided by GLOBAL ASSISTANCE a.s. (24/7, phone 1220). Covers: arrival/departure of the assistance unit, on-site repair (excluding parts), vehicle recovery, tow to the nearest garage (including transport of persons). For breakdown in CZ: CZK 2,500 (vehicles ≤3.5 t) / CZK 3,500 (vehicles >3.5 t). For breakdown abroad: CZK 5,000 (≤3.5 t) / CZK 10,000 (>3.5 t). For accident in CZ: CZK 2,500 / CZK 3,500; abroad CZK 5,000 / CZK 10,000. Tow-home is included when vehicle cannot be repaired within 48 hours of first contacting GA. When casco and MTPL are combined, limits stack. Premium tiers (Asistence Plus, CAR Plus, CAR Premium) are available as paid add-ons with unlimited domestic limits and up to 15 days' replacement vehicle (CAR Premium).
Replacement vehicle
Optional
A replacement vehicle is available in two ways: (1) as a paid add-on 'Pojištění nákladů na nájem náhradního vozidla' (vehicles ≤3.5 t, max. mid-class equivalent e.g. Škoda Superb, two sub-types: MAXI including breakdown, MINI excluding breakdown, no deductible); (2) included in the optional Asistence CAR Premium upgrade providing a replacement vehicle for up to 15 days (mid-class, 5-seat) in case of breakdown, accident, or theft. The basic Asistence STANDARD included with casco does not include a replacement vehicle.
Driver / occupant accident insurance
Optional
Optional add-on covering persons transported in the insured vehicle (driver and/or passengers) for injury caused by a traffic accident or vehicle collision. Basic insured sums per person (1× multiplier): death by accident CZK 100,000; permanent disability CZK 150,000; daily compensation during treatment CZK 100/day (deductible 22 days); daily compensation for hospitalisation CZK 100/day (minimum 3 days). Policyholder may choose up to 4× multiplier. No deductible on claim amount. Can be arranged for driver only, front-seat passengers, or all occupants. Territorial scope: Europe including Turkey, excluding Russia, Belarus, Ukraine and Moldova.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or minimum experience requirement is stated in the VPPHAV 1/24 or DPPHAV 1/24 policy terms. Coverage exclusions apply when the vehicle is driven by a person who does not hold the required driving licence, who is under the influence of alcohol (BAC >0.24‰) or other narcotics, or who has been banned from driving. These exclusions are independent of age.
repair_network_requirements
For the basic casco combination (HAVÁRIE, ŽIVELNÍ UDÁLOST, ODCIZENÍ, VANDALISMUS) there is no mandatory repair network requirement; settlement is by invoice from any authorised or non-authorised service provider. However, for partial-loss claims under the Pojištění přírodních rizik (PPR), Pojištění Servis Pro, and Pojištění Klika add-ons, repair must be performed at a contracted non-authorised service partner of the insurer to receive payment; estimate-only settlement is not available for those products. For glass insurance (Pojištění skel), repair or replacement must also be performed at a contracted service partner (Global Assistance network).
territorial_scope
Casco insurance covers insured events occurring on the geographic territory of Europe including Turkey, with the exception of Russia, Belarus, Ukraine and Moldova (VPPHAV Art. 2(7)). Assistance services (Asistence STANDARD, Plus, CAR Plus, CAR Premium) are valid throughout Europe including all of Turkey, excluding Armenia, Azerbaijan, Belarus, Faroe Islands, Greenland, Georgia, Iceland, Canary Islands, Kazakhstan, Madeira, Russia and the Svalbard archipelago. Natural perils and theft of whole vehicle add-on (PPR/OCV) is limited to the Czech Republic and neighbouring states within 30 km of Czech borders (air-line distance).
anti_theft_requirements
For casco coverage including the theft peril, the vehicle must be equipped with an immobiliser or an approved mechanical security device. An optional premium discount is available for active vehicle tracking devices (GSM/GPS with 24/7 monitoring centre reporting unauthorised entry or use, e.g. CARLOC, SHERLOG). If a theft event occurs and the vehicle was not properly locked and secured in accordance with these requirements, the insurer is entitled to reduce the claim payment by up to 50%.
claim_notification_deadline
The policyholder/insured must notify the insurer of a loss event without undue delay. Events involving a traffic accident (where legally required), criminal offence or offence abroad must be reported immediately to the police from the scene of the event. In the case of fire, the fire brigade must be called. The insurer must begin investigating within 15 days of receiving the claim notice. If investigation cannot be completed within 3 months of notification, the insurer must explain in writing why it cannot be concluded. For vehicle theft, the insured must notify the insurer as soon as the vehicle is reported to police as stolen.
deductible_rules
The policyholder selects a deductible (spoluúčast) when taking out the policy. Available options for passenger cars: 3% (min. CZK 3,000), 5% (min. CZK 5,000), 10% (min. CZK 10,000), fixed CZK 5,000. For motorcycles, motorised tricycles and quads: 10% (min. CZK 10,000) or 15% (min. CZK 15,000). The deductible is subtracted from the final adjusted claim amount after any other reductions. If the loss amount is less than the deductible, no payment is made. The ESO add-on (optional, from CZK 199/year, for vehicles ≤3.5 t) eliminates the deductible for partial-loss claims repaired at a contracted non-authorised service partner, provided the pre-deductible claim amount exceeds CZK 20,000 and the loss was not a total loss or full-vehicle theft.
Where to buy
Documents
Pojistné podmínky Autopojištění Combi Plus IV 1/24 (PP ACP IV 1/24) – VPPPOV, DPPPOV, VPPHAV, DPPHAV, ZPPVOZ, ZPPUPC, ZPPESO
terms_and_conditions
Informační dokument o pojistném produktu – Autopojištění Combi Plus (IPID)
ipid
Rozsah asistenčních služeb – pojištění vozidel (asistenční karta)
benefits_table
Policy specifics
Assistance services
24/7 roadside assistance including arrival/departure, on-site repair, vehicle recovery, and towing is automatically included with comprehensive insurance
Deductible (spoluúčast)
Policyholder can choose from multiple deductible percentage or fixed amount options to customize their coverage and premium
Vehicle inspection requirement
New vehicles are accepted for comprehensive insurance immediately; all other vehicles require either self-documentation via photos or specialist inspection
Seasonal insurance
Policyholders can opt for seasonal comprehensive insurance and pay only for months when the vehicle is actively driven
Short-term optional comprehensive coverage
Comprehensive insurance can be added to existing liability insurance for just one or two months for extended trips
Bonus transfer from liability insurance
Policyholders with claim-free history on liability insurance can apply bonus discount to comprehensive insurance
Territorial validity
Coverage is limited to the geographic territory of Europe including Turkey, excluding Russia, Belarus, Ukraine, and Moldova
Maximum claim limit
Insurer's maximum payment obligation equals the usual/market price of the vehicle at the time of the insured event
Repair authorization and service network
For basic comprehensive insurance, repairs can be conducted at any service provider; mandatory network requirement only applies to optional glass and supplementary coverage
Combined coverage limit stacking
When comprehensive and liability insurance are arranged together, assistance service limits combine and stack