Hasičská vzájemná pojišťovna, a.s.

Driver age and experience limit

Not specified in the reviewed sources.

Repair network requirements

The policyholder must obtain the insurer's consent before starting vehicle repairs and, on request, document repair costs; the policyholder must also allow the insurer to inspect the damaged vehicle and, after conclusion of insurance, perform a self-inspection of the vehicle and submit photographs to the insurer.

Territorial scope

Supplementary vehicle insurances are valid for events occurring in Europe (geographic Europe plus the whole territory of Turkey); the natural-peril and animal-collision rider is valid only for events occurring within the Czech Republic.

Anti-theft requirements

The policyholder must ensure the vehicle is properly secured against theft as agreed in the policy; premium depends on declared vehicle security features (immobilizer, alarm, tracking system), and if a declared security system is missing at the time of a claim, the indemnity may be reduced by up to 50%.

Claim notification deadline

Traffic accidents involving injury or damage exceeding 100,000 CZK, vandalism, wildlife/animal collisions, and motorcycle accidents must be reported to the police. Claims must be reported to the Motor Claims Department by phone (+420 222 119 103, Mon–Thu 8:00–16:00, Fri 8:00–15:00), email (skody@hvp.cz), in writing, or via the online reporting system.

Deductible rules

Supplementary insurances are arranged with a deductible; the agreed deductible amount is stated in the policy or the terms and is subtracted from the indemnity. Deductible level is configurable at contract conclusion and higher deductibles reduce premium. For glass insurance a minimum deductible of 5% applies, except that no deductible is deducted if a windscreen repair by resin injection costs no more than 3,000 CZK incl. VAT.

Assistance services

Basic assistance services included free with hull insurance; optional extended assistance available for additional premium

Deductible (Spoluúčast)

Policyholder's participation in damage claims is optional and configurable

Vehicle security requirements

Premium depends on vehicle security features; missing declared security systems may result in 50% claim reduction

Glass insurance (optional)

Optional coverage for windscreen or all windows; covers damage or breakage as standalone event without other vehicle damage

GAP insurance (optional)

Optional add-on covering the difference between the purchase price and the general/market value of the vehicle at the time of a total-loss claim under casco insurance; only for passenger vehicles up to 3,500 kg, not older than 3 years at policy inception.

Travel luggage / personal belongings insurance (optional)

Optional cover for luggage and personal items transported in the insured vehicle against natural perils, traffic accident, or forcible theft; separate limits apply, e.g. 5,000 CZK per business item, max 3,000 CZK for personal items in the cabin of a parked vehicle, and no cover for theft from a parked vehicle between 22:00 and 06:00.

Coverage territory

Hull insurance is valid on European territory as defined in policy; specific exclusions apply

Four coverage variants

Policyholder may select from four distinct hull insurance variants covering different risk categories

Vehicle self-inspection requirement

After conclusion of insurance, policyholder must perform vehicle self-inspection and submit photos to insurer

Claims notification to specific department

Motor hull insurance claims must be reported to Motor Claims Department by phone, email, branch, or online reporting system