Generali Česká pojišťovna
Generali Česká pojišťovna is a motor casco insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Claims are settled within 15 days of completing the investigation. Payment is made in CZK by bank transfer. For the Expres variant, payment is guaranteed within 2 business days of receiving all documentation. The insurer may also provide payment in kind (repair or replacement).
Geographic scope
Europe
Geografické území Evropy a Turecka, s výjimkou Arménie, Ázerbájdžánu, Běloruska, Gruzie, Moldavska, Ruska a Ukrajiny
Starting from
CZK 9
Unique selling points
- No-claims discount of up to 60% rewarded for accident-free driving history, applied progressively across bonus levels.
- 20% online discount available when purchasing casco insurance directly through the insurer's website or app.
- All-glass insurance available without deductible for sealing repairs, with a mobile service performing glass repair or replacement at the customer's home or workplace across a network of over 300 contracted workshops.
- 24/7 roadside assistance (variant XL) with unlimited total claim limit in the Czech Republic and abroad, including towing to any client-specified destination if the vehicle cannot be repaired within 12 hours.
- GAP insurance add-on covers the full gap between the vehicle's purchase price and its market value at the time of total loss or theft, including the applied excess, for vehicles up to 6 years old (36-month term).
Coverage limits
Own damage (Havárie)
Covered
Covers damage or destruction of the insured vehicle and its standard equipment caused by a sudden accidental mechanical force (collision, impact, fall). Claim is paid up to the upper limit of insurance indemnity set in the policy. The insurer distinguishes partial loss (repair costs below 70% of market value) and total loss (repair costs equal to or exceeding 70% of market value).
Total loss
Covered
Total loss is defined as a situation where the reasonable repair costs equal or exceed 70% of the vehicle's market value immediately before the insured event. The indemnity is calculated as the market value of the vehicle at the time of the loss minus the market value of salvageable parts (usable remains), up to the sum insured.
Partial loss
Covered
Partial loss is defined as a situation where reasonable repair costs are less than 70% of the vehicle's market value immediately before the insured event. The indemnity is based on actual repair invoices from a contracted or authorised service, or calculated using an expert cost estimate (budget calculation). For the Expres variant, settlement is always by budget calculation.
Theft and robbery (Odcizení)
Covered
Covers theft (krádež), robbery (loupež) and unauthorised use (neoprávněné užití) of the entire insured vehicle including its standard equipment. In the All Risk variant, this peril is included in the base product. As a standalone add-on (Pojištění Odcizení vozidla), it covers only Czech territory and can be attached to third-party liability or casco insurance. The indemnity equals the vehicle's market value at the time of loss if the vehicle is not found before the investigation is closed.
All glass damage (Všechna skla)
Optional
Optional add-on covering front, rear and side windows, roof windows, panoramic roofs, full-glass doors and rear-view mirrors of the insured vehicle. Coverage perils: accident (havárie), theft, natural peril and vandalism. Glass repair by sealing is provided without excess. If sealing is not possible, the insurer pays reasonable repair or replacement costs up to the limit selected in the policy (selectable from CZK 3,000 to CZK 100,000, or unlimited). A mobile sealing or replacement service at the policyholder's home or workplace is available through a network of over 300 contracted glass workshops.
Natural perils (Živelní událost)
Covered
Covers damage or destruction of the insured vehicle caused by natural perils including: hail, flood, fire, windstorm (wind speed ≥75 km/h), landslide, rockfall, avalanche, snow/ice load, lightning strike, explosion, inundation, and earthquake (≥6 on EMS-98 scale). Included in All Risk and Expres variants. Also available as a standalone add-on (Pojištění Živelní událost) attachable to third-party liability only, covering Czech territory only; indemnity calculated by budget method.
Vandalism (Vandalismus)
Covered
Covers damage or destruction of the insured vehicle caused by intentional acts (vandalism) of a third party. Included in the All Risk, Expres and Havárie a živel variants. Also available as a separate add-on (Pojištění Vandal) covering external rear-view mirrors, wiper blades and antennas of parked vehicles; coverage extends to bodywork, paint, tyres, wheel discs and windows if video evidence of the event is provided. The Vandal add-on is valid only on Czech territory.
Roadside assistance (Pojištění Asistence)
Optional
Optional add-on available in variants S, M, L, XL and Souprava. Covers inability to continue a journey due to vehicle theft, breakdown or technical incapacity. Services include: mechanic call-out and on-site repair, towing to the nearest contracted/authorised service (50–100 km depending on variant), vehicle repatriation from abroad, replacement vehicle (5–10 days), alternative transportation, accommodation, driver transport for repaired vehicle and legal assistance abroad. XL variant for vehicles up to 3.5t: unlimited total indemnity limit (CZK), available 24/7 in Czech Republic and abroad (Europe + Turkey, with the same country exclusions as the base policy). Contact: phone number on Green Card or +420 241 114 114.
Replacement vehicle (Půjčovné / Asistence – náhradní vozidlo)
Optional
Available through two optional add-ons: (1) Pojištění Půjčovné během opravy vozidla: covers rental costs of a replacement vehicle of the same class during repair after a casco claim, up to CZK 50,000 and without excess, for the duration of repair (max. 30 days for total loss); the repair must be carried out at an authorised or contracted service and take longer than 2 working days (16 standard hours per manufacturer norms). (2) Roadside Assistance (variants L, XL, Souprava): includes a replacement vehicle for 5 days (variant L/Souprava) or 10 days (variant XL) per claim event; for vehicles up to 3.5t, the replacement is of the same or lower class, maximum lower-medium class; cost cap CZK 2,000/day excl. VAT for the XL variant.
Driver and passenger accident insurance (Úrazové pojištění dopravovaných osob)
Optional
Optional supplementary indemnity insurance add-on covering the driver and all passengers (variant 'Úrazové pojištění') or the driver only (variant 'Úrazové pojištění řidiče'). Covers: death by accident, permanent consequences of accident (progressive indemnity from 0.01% – up to 800% of insured sum for 100% disability), and daily indemnity for necessary medical treatment (with progression multiplier: days 1–120 × 1, days 121–240 × 2, days 241–365 × 3). Insured sums are agreed in the policy. Coverage is valid on European territory (same exclusions as the base policy). Claim notification deadline: without undue delay after the accident.
Key conditions
driver_age_experience_limit
No specific minimum driver age or experience requirement is stated in the policy conditions for the casco product. The insurer does consider the policyholder's age and place of residence as segmentation criteria when calculating the premium, but there is no explicit exclusion based on driver age. Exclusions apply to driving without a valid licence, driving under the influence of alcohol, drugs or medicines that prohibit driving, and driving by a person not physically or mentally fit to drive.
repair_network_requirements
If the policyholder agrees in the policy to use only the insurer's recommended contracted repair service (smluvní servis), a premium discount is granted. If a different workshop is used, the insurer reduces the indemnity by the same proportion as the discount given. For vehicles repaired at authorised service centres, indemnity is based on their standard labour rates; for non-authorised contracted services, non-authorised contracted service rates apply. Repairs abroad are accepted only if agreed in the policy or with the insurer's explicit written consent; otherwise, indemnity is capped at Czech market repair costs.
territorial_scope
The casco policy (havarijní pojištění) and most supplementary coverages are valid on the geographic territory of Europe including all of Turkey, with the exception of Armenia, Azerbaijan, Belarus, Georgia, Moldova, Russia and Ukraine. Some supplementary coverages (e.g. Pojištění Odcizení vozidla, Pojištění Živelní událost, Pojištění Vandal, Pojištění Střet se zvířetem, Pojištění Nerovnost vozovky) are valid only on Czech territory. Countries subject to international sanctions and full embargo territories are excluded from coverage.
anti_theft_requirements
The vehicle must be properly locked at all times when left unattended, and any installed security device must be activated. If the policy grants a premium discount for a security device (mechanical immobiliser, passive tracking system or active tracking system), the policyholder must ensure it is always operational and serviced according to the manufacturer's instructions. The insurer may require proof that the security device was active and functional at the time of the insured event; failure to prove this entitles the insurer to reduce the indemnity by the same proportion as the discount granted.
claim_notification_deadline
The policyholder must notify the insurer without undue delay (bezodkladně) after a loss event occurs. For theft or loss of the vehicle or its parts, the theft must be reported to the police as soon as possible after discovery, and the relevant police resolution must be submitted to the insurer. The vehicle must not be repaired or debris removed without the insurer's consent, unless the insurer has not commented within 15 days of being notified, or immediate action is required for safety, hygienic or ecological reasons. The insurer generally has 3 months to complete its investigation from the date of notification.
deductible_rules
The deductible (spoluúčast) is agreed in the policy as a fixed amount or a percentage of the indemnity, or a combination. Available percentage options: 1% (min. CZK 1,000), 5%, 10%, 20%, 30% (min. CZK 30,000). Fixed options: CZK 1,000 to CZK 30,000. If the calculated indemnity is less than the agreed deductible, no payment is made. For glass repair by sealing (scelení), no deductible applies. The choice of deductible affects the premium level.
Where to buy
Documents
Všeobecné pojistné podmínky VPPPMV-R-11/2023 (incl. IPID, Pre-contractual information, Valuation tables)
terms_and_conditions
Informační dokument o pojistném produktu IPIDPMV-R-5/2025
ipid
Všeobecné pojistné podmínky VPPPMV-R-5/2025 (latest – incl. IPID IPIDPMV-R-5/2025, Pre-contractual information, Valuation tables)
terms_and_conditions
Policy specifics
Comprehensive Insurance Variants
Multiple variants of comprehensive insurance coverage offered, including standard comprehensive (Havárie a živel / All Risk), with optional add-ons
Geographic Coverage Territory
Comprehensive insurance is valid on the geographic territory of Europe and Turkey with specific exclusions
Optional Add-on Coverages
Multiple optional add-on coverages available including vehicle theft, natural disasters, all-glass insurance, luggage insurance, rental car costs, GAP insurance, animal collision, and vandalism coverage
Vehicle Equipment Coverage Scope
Coverage includes standard vehicle equipment only; optional/additional equipment is covered only if listed in policy and permanently attached to vehicle
Deductible (Spoluúčast) Options
Multiple deductible options available ranging from 1% to 30% or fixed amounts from CZK 1,000 to CZK 30,000
Bonus-Malus System
Claims-free driving record affects insurance premium through bonus-malus system with progressive discounts
Authorized vs. Non-Authorized Service Centers
Repair services categorized as authorized (manufacturer-approved) or non-authorized; settlement methodology may differ
Premium Payment Period Options
Insurance can be contracted for indefinite period with annual premium, or for defined term (minimum 14 days, maximum 1 year)
Vehicle Valuation Method
Premium based on the market (usual) value of the vehicle at the date of insurance inception
Contractual Liability Exclusion
Insurance does not cover damage caused by performance of contractual obligations where liability is borne by a contractual partner