Extracted from source documents

ČSOB Pojišťovna Casco (own-damage car insurance) (Nase Auto Kasko)

Underwritten by ČSOB Pojišťovna, a. s., člen holdingu ČSOB · Czech Republic

casco (own-damage car insurance) from ČSOB Pojišťovna for the Czech Republic market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2024Sources

Online purchase24/7 helpline

Compare Casco (own-damage car insurance) insurers in Czech Republic

Key facts

ČSOB Pojišťovna

Unique selling points

In the Premiant tier, for vehicles insured when up to 2 years old, total loss or theft is settled at the agreed sum insured (GAP, up to CZK 1,000,000) until the vehicle reaches 5 years of age, rather than at 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 reduces the deductible to CZK 1,000 when the agreed deductible is CZK 5,000 or less.

Vandalism, animal collision, and elemental damage are bundled into the base Kasko tiers at no extra premium, rather than sold as separate paid modules.

A 50% deductible applies to glass claims occurring within the first three months of cover, including for three months after any increase to the glass-insurance limit.

Coverage limits

Covered

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.

Covered

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, GAP can be arranged for vehicles up to 2 years old and remains valid until the vehicle reaches 5 years of age; in that case, for total destruction or theft, the insurer guarantees payment of the agreed sum insured, up to a limit of CZK 1,000,000, instead of the depreciated usual value.

Section: Kupujete nové auto? Sjednejte si pojištění GAP NOVĚ: s vyšším limitem až 1 mil. Kč

GAP je součástí havarijního pojištění Premiant a platí pro vozy do 5 let stáří . Sjednat ho lze pro vozidla do stáří 2 let.

Covered

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 deductible to CZK 1,000, provided the agreed deductible does not exceed CZK 5,000.

Section: Havarijní pojištění – spoluúčast

Pokud si zvolíte spoluúčast maximálně 5 000, tak v případě opravy v doporučeném smluvním servisu zaplatíte pouze 1 000 Kč .

Conditional

Theft / Robbery Coverage

Conditional

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.

Optional

Window Glass Insurance

Optional

Optional add-on covering sudden damage or destruction of all perimeter glass of the vehicle, with no limit on the amount covered. A 50% deductible applies to claims occurring within the first 3 months of cover (and for three months after any increase to the limit); no deductible applies when repaired at an insurer-recommended contracted service.

Section: Připojištění okenních skel - NOVĚ bez limitu

Pojištěna jsou všechna obvodová skla. Při opravě v doporučeném smluvním servisu neplatíte žádnou spoluúčast.

Covered

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.

Covered

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.

Covered

Roadside Assistance

CZK 2K

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 (150 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.

Section: Vše, co potřebujete vědět o havarijním pojištění > Jak mi pomohou asistenční služby?

V případě mechanické poruchy, dopravní nehody, zásahu cizí osoby nebo živelní události zorganizujeme a uhradíme opravu vozidla, popř. odtah vozidla do nejbližší opravny, či odtah do nejbližší úschovny do limitu 2000 Kč v ČR nebo 150 EUR v zahraničí.

Optional

Replacement Vehicle Rental Cost

Optional

No limit stated

Optional add-on reimbursing necessarily and reasonably incurred costs of renting a replacement vehicle when the insured vehicle is damaged, destroyed or stolen for at least 24 hours, up to the limit stated in the policy.

Section: Pojištění nákladů na půjčovné

NOVINKA: Pokud bude vaše vozidlo poškozené, zničené nebo odcizené po dobu minimálně 24 hodin, uhradíme vám náklady na půjčovné vozidla.

Conditional

Driver Accident Insurance

CZK 100K – CZK 300K

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 to CZK 1,000, provided the agreed deductible does not exceed CZK 5,000 and 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.

ČSOB Pojišťovna Casco (own-damage car insurance) (Nase Auto Kasko)

Unique selling points

Coverage limits

Key conditions

Documents

Policy specifics

Sources