ČSOB Pojišťovna, a.s., member of the ČSOB holding
ČSOB Pojišťovna
ČSOB Pojišťovna is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Premium can be paid cashless at the insurer's business points, by bank transfer, via the insurer's payment gateway, or by direct debit from the policyholder's account; regular premium is due on the first day of the insurance period and one-off premium on the inception date of the policy.
Geographic scope
Kasko and ancillary vehicle covers apply to events in Europe and the whole territory of Turkey; the mandatory MTPL liability cover applies to EEA/EU states shown on the Green Card
Geographic territory of Europe and the whole territory of Turkey for Kasko, theft, glass, natural hazards, animal collision, luggage and accident covers; EEA/EU Green Card states for MTPL
Unique selling points
- In the Premiant tier, total loss or theft of vehicles up to 5 years old is settled at the agreed sum insured, capped at market value plus 600,000 CZK, rather than depreciated market value alone.
- Total claim payouts on one vehicle in a single policy year can reach up to 1.3 times the sum insured, above the simple sum-insured ceiling common in the market.
- Repairing at an insurer-recommended contracted workshop automatically cuts the agreed deductible by one quarter.
- Vandalism, animal collision, and elemental damage are bundled into the base Kasko tiers at no extra premium, rather than sold as separate paid modules.
- The 50% glass-claim deductible in the first three months is waived when glass cover starts from the vehicle's first registration or seamlessly continues an equal-or-higher prior glass policy.
Coverage limits
Own Damage / Collision Coverage
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.
Total Loss Settlement
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, for vehicles up to 5 years old, the insurer instead guarantees payment of the agreed sum insured, capped at the vehicle's usual value plus 600,000 CZK, in case of total destruction or theft.
Partial Damage Repair
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 agreed deductible by one quarter.
Theft / Robbery Coverage
Conditional
Only in Dominant, Premiant
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.
Window Glass Insurance
CZK 50,000
Optional add-on covering sudden damage or destruction of the vehicle's windscreen and windows, up to the limit stated in the policy (up to 50,000 CZK). A 50% deductible applies to claims occurring within the first 3 months of cover unless the glass cover starts alongside the vehicle's first registration or immediately continues a prior glass policy with an equal or higher limit.
Natural Hazards (Fire, Storm, Flood, etc.)
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.
Vandalism / Third-Party Interference
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.
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 (80 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.
Replacement Vehicle Rental Cost
CZK 10,000
Optional add-on reimbursing necessarily and reasonably incurred costs of renting a replacement vehicle in connection with damage, destruction, theft or loss of the insured vehicle, up to 10,000 CZK per event; available together with the MTPL Premiant variant for category-3 vehicles, requires repair time exceeding 8 hours and use of the insurer's contracted rental partners.
Driver Accident Insurance
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.
Key conditions
Driver age and experience limit
No minimum driver age or licence-holding period is specified as an eligibility condition for Kasko cover itself. Age brackets (18–25, 26–39, 40–49, 50–59, 60+) are used only to determine the monthly annuity payout under the optional Driver Accident Insurance with Lifetime Annuity.
Repair network requirements
Using an insurer-recommended contracted repair workshop reduces the agreed deductible by one quarter, provided no other authorized reduction of the claim payment has already been applied. Under the discounted 'budget/estimate' payment option in Standard and Dominant, claims estimated below 50,000 CZK cannot be settled by workshop repair.
Territorial scope
Kasko and the other vehicle covers (theft, glass, natural hazards, animal collision, luggage, accident insurance) apply to events occurring within the geographic territory of Europe and the whole territory of Turkey. The mandatory liability (MTPL) cover applies to the states of the EEA/EU shown on the Green Card.
Anti-theft requirements
For theft claims to be paid (Dominant/Premiant Kasko or standalone theft insurance), the vehicle must be fitted, at minimum, with security measures set by insured-sum tier: mechanical lock, immobiliser, alarm, or an active/passive vehicle-tracking system for lower sums insured, rising to combinations of two or three such measures (plus glass security marking) for higher sums insured.
Claim notification deadline
A loss event must generally be reported to the insurer without undue delay and no later than 15 days after discovery. Events involving suspected theft or third-party interference (vandalism) must additionally be reported to the police no later than the second day after discovery.
Deductible rules
The deductible is agreed in the policy as a fixed amount, percentage, or combination and is deducted from the gross claim amount before payment. Repair at an insurer-recommended contracted workshop reduces the deductible by one quarter. Glass claims in the first 3 months of cover carry a 50% deductible unless waived under specific continuity conditions. Total payouts for all claims on one vehicle within a policy year are capped at 1.3 times the sum insured stated in the policy.
Policy specifics
GAP (Guaranteed Asset Protection)
Guarantees payment of vehicle acquisition price in case of total loss for vehicles up to 5 years old; available in Premiant variant only with limit up to 1,000,000 CZK
SourceVehicle theft protection
Available in Dominant and Premiant variants; covers vehicle theft and theft of vehicle components
SourceNatural disaster coverage (elemental events)
Covers damage from natural disasters including lightning strike, fire, hail, storm, flood, and falling objects
SourceAnimal collision coverage
Covers collision with wild animals; included in all variants of Naše Auto
SourceCollision and impact coverage
Covers vehicle collision, falling, and impact damage; included in all variants
SourceOptional window/glass insurance
Optional add-on covering vehicle windscreens and windows with limit up to 50,000 CZK; 50% deductible applies for first 3 months
SourceVehicle photo documentation requirement
Mandatory photo documentation of insured vehicle required on date of policy inception for Kasko and theft coverage; minimum resolution and timestamp requirements apply
SourceAuthorized repair network option
Repair at ČSOB Pojišťovna recommended/contracted service centers results in reduced deductible (waived in many cases)
SourceDeductible/co-payment amounts
Policyholders select deductible level at policy inception; applies as co-payment for each claim; may be waived for repairs at authorized service centers
SourceWaiting period for glass insurance
Three-month waiting period from policy inception during which 50% deductible applies to glass claims unless simultaneously purchased with photo documentation
SourceTotal loss determination
Total loss occurs when repair cost exceeds 80% of vehicle's market value, or vehicle is stolen or destroyed; for Premiant variant with vehicle under 2 years old, guarantees payment of acquisition price
SourceIncluded assistance services
Basic assistance services automatically included in all variants: roadside assistance, vehicle towing to nearest repair shop or home, replacement vehicle provision, emergency accommodation, financial support abroad; enhanced levels (Nadstandard, Premiant) available as optional add-ons
SourceBonus/malus (no-claims discount) system
5% annual bonus for claim-free years; policyholder can transfer existing bonus from mandatory liability insurance to comprehensive coverage
SourceOnline purchase discount
20% discount available for policies arranged online through ČSOB Pojišťovna website
SourceEligible vehicle types
Covers personal vehicles, recreational vehicles, light commercial vehicles, cargo vehicles, and assembly vehicles up to 3.5 tonnes; recreational vehicles over 3.5 tonnes available under special conditions
Source