Czech Business Insurance Company, a.s., Vienna Insurance Group

Driver age and experience limit

Not specified in the reviewed policy documents.

Repair network requirements

For the core comprehensive (havárie) peril the policyholder may generally choose the repair workshop and is reimbursed the invoiced, purposeful and economical repair cost. Several supplementary riders (glass, natural perils/PPR partial claims, Servis Pro, KLIKA, GAP, ESO) require repair at the insurer's contracted service network as a condition for payment.

Territorial scope

The core comprehensive cover applies within the geographic territory of Europe including Turkey, excluding Russia, Belarus, Ukraine and Moldova. Several riders (PPR, OCV, Servis Pro, KLIKA) are limited to the Czech Republic plus 30 km beyond the state border.

Anti-theft requirements

The vehicle must be equipped with an immobiliser or an approved mechanical security device as a condition for insuring the theft peril; a premium discount is available for installing an active GSM/GPS vehicle-location device (e.g. CARLOC, SHERLOG).

Claim notification deadline

The event must be reported to the insurer without undue delay; accidents, thefts and vandalism occurring in connection with a road-traffic incident, a criminal offence, or occurring abroad must also be reported immediately to the police from the place where the event occurred.

Deductible rules

The policyholder bears an agreed deductible (spoluúčast) for each claim, stated in the policy; if the damage amount is lower than the agreed deductible, no indemnity is paid. Fixed deductibles apply to several riders: glass 30% (first 3 months) then a flat CZK 500; luggage 10%; natural perils (PPR) 10% (waived if combined with the main comprehensive cover on the same policy); theft of the whole vehicle (OCV) 10%; Servis Pro, KLIKA, GAP and SMART GAP are sold without a deductible.

Collision damage caused by own fault

Coverage for vehicle damage from collisions and accidents caused by the policyholder's own negligence or fault

Natural disaster and weather damage

Coverage for vehicle damage caused by natural disasters including windstorms, floods, hail, lightning, stones, explosions, fires, and avalanches

Theft and vandalism coverage

Protection against complete theft of vehicle or vehicle parts, and damage caused by vandalism

Collision with wildlife

Coverage for vehicle damage from collision with animals, including damage to electrical wiring, brake system, and cooling system of parked vehicles

Deductible buyout (ESO - Evasion of self-insurance obligation)

Supplementary insurance that covers the deductible amount extracted from comprehensive insurance claims, for partial damage claims exceeding 20,000 CZK

Vehicle glass coverage

Coverage for damage, destruction, or theft of front windshield and side windows used for visibility from the vehicle

Replacement vehicle rental coverage

Coverage for reasonably incurred costs of renting a replacement vehicle during repair period after comprehensive loss events

Standard assistance services

24/7 assistance services included automatically with comprehensive insurance covering breakdowns and accidents, including on-site repair, recovery, towing, and emergency accommodation

Premium assistance services (CAR Premium)

Enhanced assistance coverage with unlimited towing limit throughout Europe and replacement vehicle for up to 15 days

GAP insurance

Optional rider paying the difference between the vehicle's purchase price and its usual value at the time of a total loss or theft settled from the primary comprehensive insurance; the vehicle's purchase price must not exceed CZK 4,000,000 (new/near-new) or CZK 2,000,000 (used, 1–3 years old), and the limit of indemnity is CZK 1,000,000; sold for a fixed period of 5 years together with the primary comprehensive policy.

SMART GAP insurance

Optional rider paying 10%/15%/20%/25% of the vehicle's usual value (depending on the policy year: 1st/2nd/3rd/4th and later) in the event of total loss caused by another vehicle whose driver is covered by mandatory MTPL insurance; limit of indemnity CZK 100,000; sold without a deductible for used vehicles up to 3,500 kg.

Servis Pro (direct settlement) insurance

Optional rider covering damage to the insured vehicle in a collision caused by an identified, MTPL-insured third-party driver liable for the full damage, plus reimbursement of replacement-vehicle rental costs up to CZK 60,000; repair must be carried out at the insurer's contracted non-authorised service network.

KLIKA insurance

Optional rider covering damage to the insured vehicle from collision, impact against an obstacle or animal, or falling, where the driver of the insured vehicle simultaneously caused property or bodily injury to a third party under mandatory MTPL insurance.

Theft of the whole vehicle (OCV) insurance

Optional standalone-type rider covering theft of the entire insured vehicle (excluding theft of parts or accessories only), with a 10% deductible, restricted to the Czech Republic plus 30 km beyond the border.

Luggage insurance

Optional rider covering travel luggage and personal items carried in the vehicle (MAXIZAV: collision, natural event, theft, vandalism, loss; MINIZAV: collision, natural event, loss only), with a 10% deductible; only covers luggage while the vehicle is away from its usual place of standing.

Loss settlement and payment method

Insurer calculates damage using calculation software and transfers payment to policyholder's account; policyholder has choice of repair option (own workshop or insurer's service network)

Damage assessment procedure

Damage assessment is performed by contract technicians from Global Expert company after mandatory prior notification and claim number generation

Contract service center requirement for specific coverages

For supplementary insurance products (glass, natural disasters, ESO, SERVIS PRO, KLIKA, MINIHAV), repairs must be performed at insurer's contract service centers as a condition for claims payment; not applicable to basic comprehensive insurance

Limits combination with other CPP products

When comprehensive insurance is combined with compulsory liability insurance, assistance limits are added together, resulting in higher total assistance coverage

Deductible options and selection

Policyholder can select from multiple deductible (coinsurance) variants; for motorcycles, three-wheelers, and four-wheelers, options are 10% minimum 10,000 CZK or 15% minimum 15,000 CZK

Claim notification requirement and timing

Policyholder must notify insurer without unnecessary delay; notification can be made online on CPP website or by telephone; if required by law or policy conditions, must also notify police

Territorial scope limitations

Coverage applies to geographic territory of Europe including Turkey, excluding Russia, Belarus, Ukraine, and Moldova

Bonus/malus system and no-claim discounts

Policyholders receive discounts for claim-free periods and penalties for claims; discounts from compulsory liability insurance can be applied to comprehensive insurance

Seasonal insurance option

Policyholders who use vehicle seasonally can arrange seasonal comprehensive insurance paying only for months when actually driving