Extracted from source documents

Direct Casco (own-damage car insurance) (Havarijni Pojisteni Standard)

Underwritten by Direct pojišťovna, a.s. · Czech Republic

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

Verified Aug 26, 2026 · Terms dated 2018-03-01Sources

Online purchase24/7 helpline

Unique selling points

"Nehody bez starostí" service provides a free replacement vehicle for the entire repair period, or a 50% deductible discount, or an extended repair warranty from 2 to 4 years.

Optional GAP-style "purchase price" CASCO guarantees payout equal to the original purchase price for newer vehicles, instead of just market value.

Policyholders can cancel the contract at any time by agreement, with no mandatory notice period or termination fees.

Vehicle inspection can be completed independently via the Direct mobile app by submitting photos, avoiding the need for an in-person appointment.

Coverage limits

Optional

Collision / accident damage

Optional

Core comprehensive coverage for damage to the insured vehicle caused by a traffic accident; the maximum payout equals the agreed sum insured or limit stated in the policy.

Clause 2.2Page 1

Section: 2. Co umíme pojistit > 2.2 Havarijní pojištění

Můžete si zvolit, jaké typy nebezpečí budou v pojištění zahrnuty a výši, do jaké při jejich vzniku budeme hradit.

Covered

Total loss / theft payout

Covered

In case of total loss or theft, Direct pays the usual (market) value of the vehicle at the time of the event; an optional GAP add-on can extend this to the purchase price for vehicles up to 5 years old.

Covered

Partial damage repair

Covered

Reimburses reasonable and effectively incurred repair costs up to the agreed sum insured/limit for the relevant peril.

Optional

Theft and robbery

Optional

Selectable peril module covering theft of the vehicle or its parts where the perpetrator overcame locks or security devices; payout up to the agreed sum insured.

Optional

Glass coverage

CZK 5K – CZK 100K

Optional add-on covering repair or replacement of windscreen and other vehicle glass; selectable limit between 5,000 and 100,000 CZK; 50% deductible applies in the first 3 months unless the vehicle is new or photo-documented.

Optional · AllRisk, Odcizení a živel

Natural hazards

Optional

Selectable peril covering fire, explosion, lightning, storm, hail, flood, avalanche, landslide, earthquake and similar natural events; payout up to the agreed sum insured.

Optional

Vandalism

Optional

Selectable peril within the theft/vandalism module covering intentional damage or destruction of the parked vehicle by a third party.

Covered

Roadside assistance

Covered

Basic-scope roadside assistance is automatically included as part of MTPL or comprehensive cover, covering mechanic call-out, towing, and similar services; the scope can be extended.

Optional

Replacement vehicle service

Optional

Optional service providing a replacement vehicle for the duration of repair after a covered claim; policyholder can instead choose a 50% deductible discount (up to 3,000 CZK) or an extended warranty. Maximum daily rental cost is 2,000 CZK in the Czech Republic and 3,000 CZK in Europe/Turkey.

Section: Díky havarijku od Directu od nás při opravě v našich servisech dostanete jednu z těchto výhod: > Až 3 000 Kč sleva na spoluúčast

Pokud nechcete náhradní auto, vyberte si tuto výhodu. Zaplatíte s ní jen polovinu spoluúčasti při opravě bouraného auta. Maximální výše slevy je 3 000 Kč.

Optional

Driver accident insurance

Optional

Optional benefit (lump-sum/obnosové) insurance paying an agreed amount for permanent injury or death of the driver resulting from an accident during vehicle operation; can only be added if MTPL or CASCO is in force.

Clause 2.3Page 1

Section: 2. Co umíme pojistit > 2.3 Doplňková pojištění

Jedná se o pojištění skel vozidla, úrazu řidiče a úrazu osob ve vozidle, pojištění zavazadel, pojištění pořizovací ceny vozidla (takzvané GAP pojištění), pojištění škody vzniklé při činnosti vozidla jako pracovního stroje, pojištění přepravy zboží a nákladu, pojištění strojních součástí vozidla.

Key conditions

Repair network requirements

Repairs at an authorized service network are reimbursed at standard rates; if repaired elsewhere, reimbursement covers the manufacturer-prescribed repair technology, labor at local market rates, and replacement parts of equivalent quality.

Anti-theft requirements

Policyholder must promptly report loss of keys, reduced vehicle security, or other increased theft risk; theft claims require evidence that locks or security devices were overcome.

Claim notification deadline

Claims must be reported without undue delay via the 24/7 client line or online; vehicle theft must be reported within 3 days of discovery.

Deductible rules

Deductible amount and structure are set individually in the policy per peril; glass coverage carries a 50% deductible for the first 3 months unless the vehicle is new or photo-documented; policyholders can choose a replacement vehicle or a 50% deductible discount instead.

Direct payment

Direct arranges a partner repair shop and coordinates cashless repair with a replacement vehicle service; costs at non-authorized shops are reimbursed based on documented, reasonable repair costs.

Territorial scope

Territorial validity can be chosen as the Czech Republic or the geographic territory of Europe and Turkey, as stated in the policy.

Documents

General Terms and Conditions for Vehicle Insurance (VPPFA) (opens in a new tab)

Terms & conditions · PDF

Supplementary Terms and Conditions for Additional Insurance (DPPFAD) and key contract information (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - Vehicle Insurance (opens in a new tab)

Product information sheet · PDF

Policy specifics

Replacement vehicle service

Service providing a replacement vehicle during repairs after a covered claim

Source

Section: Díky havarijku od Directu od nás při opravě v našich servisech dostanete jednu z těchto výhod: > Náhradní auto zdarma

Získáte ho v okamžiku, kdy odevzdáte své nabourané auto do autoservisu. Vrátíte ve chvíli, kdy si převezmete v servisu svůj opravený vůz.

Glass coverage

Optional coverage for damage to vehicle glass including windscreen and other windows

SourcePage 1

Section: Co je předmětem pojištění? > Doplňková pojištění

Předmětem pojištění je vznik škody na: – sklech vozidla,

GAP insurance (purchase price protection)

Optional coverage ensuring payout equal to purchase price in case of total loss or theft

Source

Section: Pro jak staré auto chcete havarijní pojištění? > Vyberte si jednu z výhod

Za ukradené nebo totálně zničené auto díky tomuto havarijnímu pojištění vozidla dostanete částku, která odpovídá hodnotě auta v době, kdy jste ho pořizovali, nebo v době, kdy jste ho pojišťovali.

Theft and vandalism coverage

Optional risk coverage for vehicle theft and malicious damage

Source

Natural hazard coverage

Optional risk covering damage from natural events like fire, flood, storm, hail

Source

Collision and accident coverage

Core coverage for unintentional vehicle damage from collision, impact, or fall

SourceClause 2.2Page 1

Section: 2. Co umíme pojistit > 2.2 Havarijní pojištění

Můžete si zvolit, jaké typy nebezpečí budou v pojištění zahrnuty a výši, do jaké při jejich vzniku budeme hradit.

Animal strike coverage

Optional coverage for damage from collision with wild animals or damage caused by animals to stationary vehicle

Source

Vehicle inspection requirement

Policy requires vehicle inspection and photo documentation before comprehensive coverage becomes active

Source

Section: Na co se nejvíce ptáte? > Kdy mi havarijní pojištění začne platit?

Vaše smlouva začne platit po zaplacení pojištění a schválení zaslaných fotek.

Modular risk selection

Policyholder can select individual coverage modules according to vehicle age and personal needs rather than buying predetermined packages

Source

Section: Jaké jsou výhody havarijního pojištění od Directu? > Pojistím si jen to, co potřebuji

U nás vám nenutíme nic, co nepotřebujete. Vyberte si taková rizika i limity, jaké vám dávají smysl.

No fixed contract termination notice period

Policy can be terminated at any time without minimum notice period or early termination penalties

Source

Claims reporting method

Multiple channels available for reporting insurance claims

Source

Section: Na co se nejvíce ptáte? > Jak nahlásit škodu z havarijního pojištění?

Škodu z havarijního pojištění u Directu nahlaste na telefonním čísle 270 270 777 nebo online.

Deductible (spoluúčast) structure

Policyholder contribution to claims varies by coverage type and timing

Source

Section: Na co se nejvíce ptáte? > Jaká je cena havarijního pojištění za rok?

Roli hraje také výše spoluúčasti. Čím vyšší si ji nastavíte, tím bude pojištění levnější.

Excluded driver conditions

Coverage excludes claims where driver lacks proper authorization or operates under influence

SourcePage 1

Section: Na co se pojištění nevztahuje?

Řízení vozidla bez příslušného řidičského oprávnění, pod vlivem alkoholu, omamné nebo psychotropní látky nebo léku označeného zákazem řídit motorové vozidlo nebo odmítnutí podrobit se zkoušce na tyto látky.

Sources

Direct Casco (own-damage car insurance)

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