CSOB Pojistovna
CSOB Pojistovna is a motor casco insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
The insurer pays repair costs directly to the contracted repair shop recommended by the insurer. Payment to the policyholder is possible if the policyholder arranges repair at an authorised branded service centre and submits a tax document and proof of payment. In total loss and theft cases payment goes to the vehicle owner or to the leasing company where applicable.
Geographic scope
CZ
Geograficke uzemi Evropy a uzemi celeho Turecka
Unique selling points
- GAP guarantee for up to 5 years: in the Premiant tier CSOB guarantees payment of the full original insured sum in case of total loss or theft for vehicles up to 2 years old, a benefit typically charged as an extra by competitors.
- Deductible reduced to CZK 1,000 at any contracted service centre: policyholders who agree to repair at an insurer-recommended workshop benefit from a significantly lower deductible regardless of the contracted amount.
- 24/7 roadside assistance included in every CASCO variant at no extra charge with limits that automatically accumulate when MTPL and CASCO are combined in a single contract.
- Online purchase discount of 20 percent available directly on the insurer website with instant policy issuance and a mobile technician service for the mandatory vehicle inspection.
- Unlimited assistance tier available as an add-on (Bez limitu): on-site repair, towing and storage covered without a monetary cap, a market-differentiating option not universally offered by Czech CASCO providers.
Coverage limits
Own damage (collision, fall, impact)
Covered
Covers damage or destruction of the insured vehicle caused by any accidental event not excluded by the policy, including collision, fall, impact, fire, explosion, lightning, hailstorm, windstorm, falling objects, flood, act of a third party, and animal collision. Payout is capped at the agreed insured sum (usual market price). Total loss is triggered when repair costs reach at least 85 percent of the vehicle usual price at the date of the loss.
Total loss
Covered
When repair costs reach at least 85 percent of the vehicle usual price at the date of loss, the insurer pays the usual price of the vehicle at that time and place reduced by salvage value and the deductible. In the Premiant variant for vehicles up to 2 years old at inception the insurer pays the agreed insured sum up to usual price plus CZK 600,000 (GAP included). The annual aggregate of all claims may not exceed 1.3 times the insured sum.
Partial loss (vehicle repair)
Covered
In case of partial damage the insurer pays reasonable repair costs usual at the time and place of repair reduced by salvage value of replaced parts. If repairs are carried out at a contracted service centre recommended by the insurer the deductible is reduced to CZK 1,000 provided no other authorised reduction applies and the claim exceeds the contracted deductible. If the policyholder does not incur actual repair costs the insurer may pay based on the price of quality-equivalent spare parts. Towing and storage costs are covered up to 15 percent of the vehicle usual price.
Theft and robbery
Conditional
Covers theft by break-in or armed robbery of the insured vehicle or its parts. Included from the Dominant variant onwards; not included in the Standard variant. In the Premiant variant GAP also applies in case of theft. Payout equals the usual price of the vehicle at the time of the loss reduced by the deductible. A minimum factory-fitted anti-theft device is required. Coverage applies across Europe and Turkey.
Glass damage (window panes)
Optional
Optional add-on (Part H of VPP KPV 2021) covering all peripheral window panes of the insured vehicle against sudden damage or destruction from any accidental event not excluded. Limit and deductible are set in the policy. No deductible applies if repair is by chip-sealing or if a contracted service centre is used after 3 months from policy inception. A 50 percent deductible applies to claims within the first 3 months (waived if glass cover is taken simultaneously with CASCO and photodocumentation was obtained, or if cover directly follows prior glass cover). Territorial scope: Europe and Turkey.
Natural perils (fire, flood, hailstorm, windstorm, lightning, etc.)
Covered
Covered under all variants (Standard, Dominant, Premiant) as part of the all-risks own-damage section covering any accidental event not excluded. Specifically includes fire, explosion, lightning strike, hailstorm, windstorm, falling objects, flood, inundation, landslide, rockfall, and avalanche. No separate sub-limit; subject to the agreed insured sum and deductible.
Vandalism (intentional act by a third party)
Covered
Covered under all CASCO variants as part of the all-risks own-damage coverage. Act of a third party is defined as intentional action by a third party leading to destruction, damage or rendering the insured item unusable, for example breaking mirrors, damaging bodywork, or smashing windows. Damage visibly arising from collision or impact is not considered an act of a third party. Subject to insured sum and deductible.
Roadside assistance (24/7)
Covered
Basic 24/7 roadside assistance is automatically included with all CASCO variants (Part L of VPP KPV 2021) for vehicles up to 3,500 kg. Covers on-site repair up to CZK 2,000 in CZ or EUR 150 abroad, towing to nearest workshop up to CZK 2,000 or EUR 150, storage up to 3 days, accommodation for 2 nights up to 2 x CZK 1,500 in CZ or 2 x EUR 80 abroad, or continuation of journey or return home up to CZK 3,000 or EUR 120, fuel delivery, wrong-fuel draining, and sending a replacement driver if hospitalised abroad. Contact: +420 222 803 442 (24/7). Enhanced Nadstandard (Part M) and Bez limitu (Part N) tiers are available as paid add-ons with higher limits. Limits accumulate when MTPL and CASCO are combined in the same contract.
Replacement vehicle (rental cost coverage)
Optional
Optional add-on (Part K of VPP KPV 2021). Covers necessary rental costs for a replacement vehicle of the same or lower class (maximum mid-class) when the insured vehicle cannot be used due to damage, destruction, theft, or reported missing. Payable only if repair exceeds 8 hours by manufacturer norms, the vehicle is a total loss, or the vehicle is stolen or missing for at least 24 hours after reporting to police. Rental limited to the Czech Republic. No deductible. Limit set in the policy.
Driver and occupant accident insurance
Optional
Optional add-on (Part F of VPP KPV 2021). Covers transported persons for permanent consequences of accident, death caused by accident, and daily compensation for treatment. Basic insured sums: CZK 200,000 for permanent consequences, CZK 200,000 for death, CZK 200 per day for treatment. A maximum of triple the basic sums can be agreed. The accident must be a direct result of collision, fall, impact, fire or explosion of the insured vehicle or falling objects onto it, and must be investigated by police. A separate enhanced driver insurance with lifetime annuity is also available under Part G.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated for the CASCO product in VPP KPV 2021. Coverage is excluded if the driver does not hold the required driving licence for the vehicle or if the driver drove under the influence of alcohol or narcotic or psychotropic substances.
repair_network_requirements
Repairs must take place in the Czech Republic unless the insurer decides otherwise. If the authorised person agrees to have the damaged vehicle repaired at a contracted service centre recommended by the insurer the deductible is reduced to CZK 1,000 provided no other authorised reduction of the claim applies and the damage exceeds the agreed deductible. For glass repairs at a contracted service centre after 3 months from policy inception no deductible applies. The insurer covers reasonable and necessary towing and storage costs up to 15 percent of the vehicle usual price at the date of loss.
territorial_scope
Coverage applies to insured events occurring on the geographic territory of Europe and the entire territory of Turkey. In case of damage abroad the place of repair is always the Czech Republic unless decided otherwise by the insurer. Replacement vehicle rental under the rental cost add-on is limited to the Czech Republic only.
anti_theft_requirements
As minimum anti-theft security for CASCO purposes a factory-fitted security device permanently installed in the vehicle by the manufacturer is considered sufficient under VPP KPV 2021. The older VPP HA 2014 conditions stipulate graduated requirements based on the vehicle insured sum: personal vehicles up to CZK 500,000 require one device (mechanical system, immobiliser, alarm, or GPS tracking); CZK 500,000 to 800,000 require two; above CZK 800,000 require three. Failure to meet the required security level entitles the insurer to reduce the claim by up to 50 percent.
claim_notification_deadline
The entitled person must notify the insurer of a loss event without undue delay, no later than 15 days from discovery of the loss. For events involving intentional third-party interference or theft the insured must report to the police no later than the second day after discovering the event. Damage abroad must be reported to local police or relevant public authority. The insured must not alter the condition caused by the loss for up to 10 working days from notification unless safety or hygiene reasons require it.
deductible_rules
A deductible agreed in the policy applies to every claim and can be a fixed amount such as CZK 2,000, 3,000, 5,000, 10,000, or 20,000 or a percentage or a combination. If repairs are carried out at a contracted service centre the deductible is reduced to CZK 1,000 provided no other authorised reduction applies and the claim exceeds the contracted deductible. If the gross claim does not exceed the deductible no payment is made. For glass repairs at a contracted service centre after 3 months no deductible applies. In case of under-insurance where the insured sum is more than 15 percent below market value the insurer may reduce the payout proportionally.
Where to buy
Documents
VPP KPV 2021 - Vseobecne pojistne podminky Komplexni pojisteni vozidla NASE AUTO (platne od 1. 6. 2021)
terms_and_conditions
VPP NASE AUTO - Komplexni pojisteni vozidla (CSOB verze)
terms_and_conditions
IPID - Informacni dokument o pojistnem produktu Komplexni pojisteni vozidla NASE AUTO 2024
ipid
Policy specifics
Theft coverage
Protection against vehicle theft available from Dominant variant onwards
GAP insurance (Guaranteed Asset Protection)
Guarantees full vehicle value payout for up to 5 years if the vehicle is less than 2 years old at insurance inception
Assistance services
24-hour roadside assistance including vehicle towing, repairs, replacement vehicle, and accommodation abroad
Authorized repair network
Reduced coinsurance at authorized repair network; insurer recommends repair shop; repairs typically covered at recommended service centers
Vehicle inspection required
Vehicle inspection and photographic documentation mandatory when purchasing comprehensive coverage or theft coverage addon
Vehicle age eligibility
Only vehicles manufactured after 2000, in undamaged condition and fit for operation permitted; no motorcycles or trailers