Kooperativa
Kooperativa is a motor casco insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Claims are paid directly to the insured or to the contracted repair shop. Payment is made within 15 days of completion of the claims investigation. In total loss cases, Kooperativa can arrange a buyer for the damaged vehicle on request.
Geographic scope
Europe + Turkey
Geografické území Evropy a celé území Turecka
Unique selling points
- Basic roadside assistance programme (ZÁKLAD) is included in the casco price at no extra charge, covering mechanic dispatch, towing up to 100 km, and a range of abroad services.
- After reporting a claim, a Kooperativa technician contacts the insured within 3 hours to arrange a vehicle inspection – guaranteeing fast claims response.
- Optional glass coverage for all windows is available without any coverage limit and at a preferential price, with a 'repair without deductible' option for partial glass damage.
- Coverage is valid across the geographical territory of Europe and all of Turkey – one of the broadest territorial scopes available in the Czech market.
- The insured vehicle's standard equipment – including child car seats, first-aid kit, compulsory equipment and EV portable charger – is automatically covered without the need for a separate add-on.
Coverage limits
Own Damage (Accident / Havárie)
Covered
Covers damage to the insured vehicle caused by external mechanical forces, in particular collision with another vehicle or obstacle, impact or fall (basic havárie peril). Settlement is based on reasonable repair costs to the pre-loss condition at Czech Republic price levels, minus the value of salvageable replaced parts. If repair costs exceed the vehicle's usual value, a total-loss settlement applies.
Total Loss
Covered
When the vehicle is irreparably damaged or the repair costs (less salvage value) equal or exceed the vehicle's usual value immediately before the loss, the claim is settled as a total loss. The payment equals the vehicle's usual value before the loss minus the value of salvageable remains. Kooperativa can arrange an auction buyer for the damaged vehicle on request.
Partial Damage
Covered
Covers partial damage where repair costs (less salvage of replaced parts) are lower than the vehicle's usual value before the loss. Settlement is based on reasonable and necessary repair costs at Czech Republic price levels. Settlement can also be determined by a cost estimate (budget/rozpočet) if agreed. The optional 'repair without deductible' feature applies exclusively to partial damage claims.
Theft and Robbery (Odcizení)
Covered
Covers theft (krádež), robbery (loupež) and unauthorized use (neoprávněné užívání) of the insured vehicle or its standard equipment. The insured sum equals the vehicle's usual value immediately before the loss. Coverage is subject to reporting the event promptly to police and to the insurer, and to evidence that the thief forcibly overcame protection measures. The coverage is valid across Europe and Turkey.
Glass Coverage (Pojištění skel)
Optional
Optional add-on covering damage, destruction or theft of the windscreen or all panoramic glass (excluding glass in fixed, folding or detachable roofs). Can be surcharged to casco at a preferential rate and without a coverage limit. A special 'repair without deductible' option is available for glass claims when combined with a fixed 5,000 CZK deductible casco and glass coverage for all windows.
Natural Perils / Živelní nebezpečí
Covered
Covers damage to the insured vehicle caused by natural physical forces: fire and its accompanying phenomena, flood or inundation, direct lightning strike, windstorm (≥20.8 m/s), hail, landslide/rockfall/avalanche, snow/ice weight, falling trees or poles caused by the above forces. Also includes animal impact on a parked vehicle. Flood events are covered only if the insurance has been in force for at least 10 days.
Vandalism
Covered
Covers damage to the insured vehicle or its standard equipment caused by the intentional act of a third party that brings no material benefit to that party. The vandalism event must be reported to the police without undue delay as a prerequisite for a valid claim.
Roadside Assistance – ZÁKLAD (Basic Programme)
Covered
The basic assistance programme ZÁKLAD is automatically included in the price of the casco insurance. It covers: mechanic dispatch and labour (for breakdown and accident in Czech Republic), vehicle towing up to 100 km, vehicle storage up to 10 days, as well as services abroad for breakdown and accident including towing up to 100 km, vehicle storage, message relay, telephone interpretation, lawyer/interpreter assistance (up to 750 EUR limit), and financial intermediation (up to 1,000 EUR). Assistance is available 24/7 via 957 105 105 (Czech Republic) or +420 266 799 779 (abroad).
Replacement vehicle
Optional
Denní limity: 900 / 1 500 / 2 000 / 3 500 / 5 000 Kč; délka zapůjčení: 5 / 10 / 15 / 20 dnů. Pojištění se sjednává bez spoluúčasti.
Driver accident
Optional
Úrazové pojištění osob dopravovaných vozidlem (ZPP H-362/14). Pojistné částky platí pro 1 sedadlo; vztahuje se na řidiče i spolucestující. Dostupné ve 3 úrovních.
Key conditions
driver_age_experience_limit
No specific minimum driver age or minimum experience requirement is explicitly stated in the policy terms for standard casco. However, claims are excluded if the vehicle was driven by a person without the required driving licence, or by a person whose licence was suspended or withdrawn.
repair_network_requirements
Repairs do not have to be carried out in a contracted service (smluvní servis). If the insured uses a Kooperativa contracted service, the insurer guarantees that the estimated cost will cover the repair. If a cost estimate (rozpočet) is agreed, the insured may have the repair performed anywhere. In the case of the NA100PRO uninvolved-accident add-on, repair must be carried out exclusively in a contracted service.
territorial_scope
The casco insurance is valid on the geographical territory of Europe and the entire territory of Turkey (Article 5, VPP H-350/14; confirmed in A-001 effective 1.4.2024). However, as of the new A-001 terms (1.4.2024), coverage excludes Ukraine, Russia, Belarus and Kazakhstan from the assistance scope. Some add-on coverages (e.g. elemental insurance, animal damage) are limited to the Czech Republic only.
anti_theft_requirements
The insured vehicle must be properly locked and secured against theft in the manner agreed in the policy when left unattended. Vehicle documents (registration certificate) and keys must not be left in the vehicle when unattended. Theft claims require evidence that the thief forcibly overcame protection measures. For total vehicle theft, police reporting is required and constitutes a precondition for a claim.
claim_notification_deadline
The insured must notify Kooperativa of a loss event without undue delay (bez zbytečného odkladu). After reporting a claim, a Kooperativa technician will contact the insured within 3 hours to arrange a vehicle inspection. The claim can be reported online at koop.cz, by phone at 957 105 105, by email at info@koop.cz, in person at any branch, or via the KoopAsistent mobile app.
deductible_rules
The policy is concluded with a deductible (spoluúčast). The standard deductible is 5% of the loss, minimum 5,000 CZK. Higher deductibles are available in return for a lower premium; the deductible variant is agreed at policy inception. If the insured accepts the 'recommended repair solution' offered by Kooperativa at claim notification for partial damage, the deductible is waived. The deductible waiver applies only to partial damage, not to total loss or theft.
Where to buy
Documents
Soubor pojistných podmínek pro pojištění vozidel (Va-103 03/2019 – starší sada podmínek zahrnující VPP H-350/14 a ZPP)
terms_and_conditions
Pojistné podmínky A-001 platné od 1. 4. 2024 – Pojištění vozidel
terms_and_conditions
Přehled dokumentů ke stažení – Pojištění vozidel (Kooperativa)
other
Policy specifics
Basic Assistance Services
Comprehensive insurance includes basic assistance services (ZÁKLAD level) automatically in the price, covering roadside assistance, towing, and other emergency services in Czech Republic and abroad
Optional Glass Coverage
Optional addition to Comprehensive insurance allowing coverage of all vehicle glass (windscreen and all windows) without limit
Repair without Deductible Option
Insurer offers recommended repair solution that waives the deductible for partial damage claims only
Fixed Deductible
Standard Comprehensive insurance includes a deductible of 5% of the loss, minimum 5,000 CZK, with the option to negotiate higher deductibles for premium reduction
Geographic Coverage Area
Comprehensive insurance covers all of Europe and entire Turkey
Standard Vehicle Equipment Coverage
Comprehensive insurance covers permanently attached vehicle equipment, including standard safety equipment and accessories
Claim Response Time
After claim notification, insurer's technician contacts policyholder within 3 hours to arrange vehicle inspection