Direct pojišťovna, a.s.
Direct
Direct is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
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.
Geographic scope
Europe and Turkey (unless stated otherwise)
Territorial validity can be chosen as the Czech Republic or the geographic territory of Europe and Turkey, as stated in the policy.
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.
- "Zlevňující havarijko" automatically reduces the premium by 7% each claim-free year for eligible newer vehicles.
- 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
Collision / accident damage
Covered
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.
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.
Partial damage repair
Covered
Reimburses reasonable and effectively incurred repair costs up to the agreed sum insured/limit for the relevant peril.
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.
Glass coverage
CZK 5,000 – CZK 100,000
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.
Natural hazards
Optional
Only in AllRisk, Odcizení a živel
Selectable peril covering fire, explosion, lightning, storm, hail, flood, avalanche, landslide, earthquake and similar natural events; payout up to the agreed sum insured.
Vandalism
Optional
Selectable peril within the theft/vandalism module covering intentional damage or destruction of the parked vehicle by a third party.
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.
Replacement vehicle service
CZK 3,000
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.
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.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience requirement is stated in the available policy documents.
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.
Territorial scope
Comprehensive (CASCO) cover applies to the Czech Republic or the geographic territory of Europe and Turkey, as chosen and stated in the policy; MTPL liability applies to the countries listed on the green card.
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.
Policy specifics
Replacement vehicle service
Service providing a replacement vehicle during repairs after a covered claim
SourceGlass coverage
Optional coverage for damage to vehicle glass including windscreen and other windows
SourceSource no longer reachableGAP insurance (purchase price protection)
Optional coverage ensuring payout equal to purchase price in case of total loss or theft
SourceNatural hazard coverage
Optional risk covering damage from natural events like fire, flood, storm, hail
SourceCollision and accident coverage
Core coverage for unintentional vehicle damage from collision, impact, or fall
SourceAnimal strike coverage
Optional coverage for damage from collision with wild animals or damage caused by animals to stationary vehicle
SourceVehicle inspection requirement
Policy requires vehicle inspection and photo documentation before comprehensive coverage becomes active
SourceModular risk selection
Policyholder can select individual coverage modules according to vehicle age and personal needs rather than buying predetermined packages
SourceNo fixed contract termination notice period
Policy can be terminated at any time without minimum notice period or early termination penalties
SourceGeographic coverage territory
Comprehensive motor insurance coverage applies on specific geographic territories
SourceDeductible (spoluúčast) structure
Policyholder contribution to claims varies by coverage type and timing
SourceExcluded driver conditions
Coverage excludes claims where driver lacks proper authorization or operates under influence
Source