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

Guaranteed 3-hour callback from an insurer technician after a claim is reported, to arrange the vehicle inspection.

Deductible is waived on partial-damage claims if the client accepts the insurer's recommended repair solution.

Basic roadside assistance is included automatically in the price, covering breakdowns and accidents both in the Czech Republic and abroad.

Cover applies across the whole geographic territory of Europe plus all of Turkey.

Driver age and experience limit

No specific minimum driver age or years of experience is stated in the T&Cs; instead, cover for a given loss is excluded if the vehicle was driven by someone without a valid driving licence, professionally or medically unfit to drive, or subject to a driving ban.

Repair network requirements

Use of a contracted (smluvní) repair shop is not mandatory, but if the client accepts the insurer's recommended repair solution, the deductible is waived for partial-damage claims — available only for cars and vans up to 3.5 t with the fixed CZK 5,000 deductible and the unlimited glass add-on; repairs elsewhere are also possible, with the loss then assessed by budget (rozpočet).

Section: Dobrá rada > Podmínky opravy bez spoluúčasti

Při hlášení škody vám nabídneme doporučené řešení. Pokud s ním budete souhlasit, spoluúčast neplatíte. Pokud zvolíte jiný způsob opravy, platí standardní spoluúčast podle smlouvy. Podmínky opravy bez spoluúčasti: Pro osobní a užitková vozidla do 3,5 t bez ohledu na stáří Musíte mít havarijní pojištění s fixní spoluúčastí 5 000 Kč a připojištěním výhledových skel bez limitu Vztahuje se pouze na částečné škody (nevztahuje se na totální škody ani odcizení vozidla)

Anti-theft requirements

A theft claim is not paid if the thief did not have to overcome any reasonable obstacle protecting the insured item from theft (e.g. an unlocked vehicle).

Claim notification deadline

The claim must be reported to the insurer as soon as possible / without undue delay; no fixed number of days is specified for notification (a separate 15-day deadline applies to payout after all documents are received).

Deductible rules

Standard deductible is 5% of the claim, minimum CZK 5,000; a higher deductible can be agreed for a premium discount. The deductible is waived for partial-damage claims only for cars and vans up to 3.5 t that have the fixed CZK 5,000 deductible and the unlimited glass add-on, and only if the client accepts the insurer's recommended repair solution (not applicable to total loss or theft).

Section: Volitelná výše spoluúčasti > Dobrá rada

5 % min. 5000 Kč Podmínky opravy bez spoluúčasti: Pro osobní a užitková vozidla do 3,5 t bez ohledu na stáří Musíte mít havarijní pojištění s fixní spoluúčastí 5 000 Kč a připojištěním výhledových skel bez limitu Vztahuje se pouze na částečné škody (nevztahuje se na totální škody ani odcizení vozidla)

Direct payment

The insurer offers a recommended repair solution through its contracted (smluvní) repair network; for cars and vans up to 3.5 t with the fixed CZK 5,000 deductible and the unlimited glass add-on, accepting it waives the deductible for partial-damage claims, and settlement can be handled directly with the repair shop or assistance provider.