Generali Casco (own-damage car insurance) (Havarijni Pojisteni)

Collision/own-damage cover (havárie) is included in the All Risk, Expres and Havárie a živel variants, but excluded from the Odcizení a živel variant, which covers only theft and natural perils. The claim ceiling (pojistná částka or limit) is chosen and set by the policyholder in the policy; the T&Cs do not prescribe a default sum insured.

If repair costs equal or exceed 70% of the vehicle's market value immediately before the event (a 'totální škoda'), the insurer pays the market value less the value of usable salvage. This settlement applies within whichever variant (All Risk, Expres, Havárie a živel, Odcizení a živel) covers the peril that caused the loss; there is no fixed total-loss sum beyond the contractually agreed sum insured/limit.

If repair costs are below 70% of the vehicle's pre-event market value (a 'částečná škoda'), the insurer pays either the documented repair invoice or a repair-cost estimate (rozpočet) generated from a recognised pricing system, without requiring repair receipts. This applies within whichever variant covers the triggering peril; the sum insured/limit is set by the policyholder in the policy.

Theft and robbery (odcizení) are covered under the All Risk, Expres and Odcizení a živel variants, but not under Havárie a živel, which excludes theft. If the vehicle is not recovered by the time the claim investigation is closed, the insurer pays the market value immediately before the event; the sum insured/limit is set by the policyholder.

Optional 'All Glass' supplementary insurance for windscreen, side/rear windows, sunroof, panoramic roof glass, all-glass doors and mirrors, damaged by collision, theft, natural perils or vandalism. Two variants are available: (A) unlimited cover where the actual glass price is paid, or (B) a selectable limit from 3,000 CZK up to 100,000 CZK. Resin repair of a chip carries no deductible; glass replacement carries a 1,000 CZK deductible.

Damage caused by natural perils (hail, flood, fire, windstorm, landslide, snow/ice avalanche, snow/ice load, lightning, explosion, inundation, earthquake) is covered under every casco variant (All Risk, Expres, Havárie a živel, Odcizení a živel). The sum insured/limit is set by the policyholder in the policy.

Vandalism cover is included in All Risk, Expres and Havárie a živel, but not in Odcizení a živel, which excludes vandalism. A separate 'Vandal' supplementary insurance also exists, covering exterior mirrors, wiper arms and antennas of a parked vehicle (extendable to paint, body panels, tyres, wheels/covers and glazing if video evidence of the incident is provided).

Optional roadside-assistance rider, sold in variants S/M/L/XL/Souprava; not automatically included with either MTPL or casco. Overall per-event claim limits range from 2,000 CZK (variant S, Czech Republic, vehicles up to 3.5t) to 300,000 CZK (variant Souprava, abroad, vehicles over 3.5t), with variant XL offering an unlimited overall ceiling; sub-limits apply per individual service (towing distance, mechanic time, replacement vehicle days, accommodation nights, etc.).

Optional 'Půjčovné' (rental reimbursement) supplementary insurance covers rental costs for a replacement vehicle while the insured vehicle is repaired following a casco claim, up to 50,000 CZK with a no-deductible option, or with a selectable deductible of 1%-30% (minimum 1,000-30,000 CZK) or a fixed deductible of 1,000-30,000 CZK; requires repair at an authorised/contracted workshop and rental from a business licensed to rent vehicles, and only applies once the repair exceeds 2 days (16 working hours).