Pillow pojišťovna, a. s.
Pillow
Pillow is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For partial damage, Pillow reimburses reasonable repair costs (less deductible) either on the basis of an invoice from the client or the repair shop, or on the basis of a calculated repair budget without an invoice (not available for the Glass module). The payout level depends on the chosen repair-network option (contracted non-brand only, contracted authorized only, or any authorized/non-brand workshop); using an unlisted workshop caps reimbursement at the cost of the nearest contracted workshop.
Geographic scope
Europe and Turkey, excluding Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova and Russia
Coverage applies across Europe and Turkey (the Canary Islands/Macaronesia are not geographically considered part of Europe and are excluded). Coverage does not apply in territories experiencing armed conflict or not under the full control of the respective state's government.
Unique selling points
- Zero-deductible option available on the Theft, Animal Collision and Natural Peril modules.
- Modular 'polštáře' design lets customers pick and pay only for the exact perils they want covered.
- Kilometer-based pricing automatically refunds premium for unused mileage below the agreed band.
- Fully digital onboarding: no in-person technical inspection is required, only mobile-app photos of the vehicle.
- Unique 50/50 profit-sharing model returns half of the insurer's annual underwriting profit to policyholders.
Coverage limits
Own vehicle damage (collision/accident)
Optional
Covers damage to the insured vehicle caused by collision, impact, fall of the vehicle or driving into water, provided this did not occur during unauthorized use or theft; also covers unintentional chemical paint damage and damage from falling objects not otherwise covered by the natural-perils module. The sum insured is the usual market value of the vehicle at the time of loss (or the agreed acquisition price if that was insured), so there is never underinsurance.
Total loss settlement
Conditional
Applies whenever an own-damage, theft, vandalism or natural-peril module is in force: if the vehicle is stolen or repair costs exceed its usual value, Pillow pays the usual market value of the vehicle less the deductible and the value of usable remains (kept by the owner), or the agreed acquisition price (not reduced by deductible) if that value was insured.
Partial loss settlement
Conditional
If repair costs are lower than the usual vehicle value, Pillow pays the reasonable repair cost less the deductible, either against an invoice or on a calculated repair-budget basis (budget-based payout is not available for the Glass module).
Vehicle theft/robbery
Optional
Covers full theft of the vehicle (including robbery) and damage occurring while the vehicle is registered as stolen or was being used without authorization. Excludes loss where the vehicle was left unlocked/unsecured, loss by fraud or embezzlement, and theft using an original or duplicate key obtained without overcoming a security barrier. Sum insured is the usual market value of the vehicle.
Vehicle glass insurance
Optional
Covers sudden damage or destruction of the windscreen (incl. sunroof/panoramic roof) and mirror glass by any random event; the replacement cost includes parts the manufacturer requires to be replaced with the glass (e.g. sensors) and their calibration. The sum insured is the usual cost of glass repair/replacement (a formula, not a fixed unlimited amount).
Natural perils
Optional
Covers damage from rockfall/landslide, earthquake, hail, weight of snow/ice, fire, explosion, direct lightning strike, flood, storm (incl. hurricane/tornado), falling pole, tree or meteorite, and falling branches caused by the above. A 10-day waiting period applies to flood damage from the start of the contract or from adding this module. Sum insured is the usual market value of the vehicle.
Vandalism
Optional
Covers intentional damage to a parked insured vehicle by a third party, or theft/damage of a vehicle part during an attempted theft. Excludes damage visibly caused by another vehicle's operation (not intentional) and damage occurring after the vehicle was left unlocked/unsecured. Sum insured is the usual market value of the vehicle.
Roadside assistance
Optional
Only in Odtah 50 km při nehodě, Odtah 50 km, Odtah v ČR neomezeně, Odtah i ze zahraničí
Available in four selectable variants: 'Odtah 50 km při nehodě' (towing only, only for accidents, not breakdowns), 'Odtah 50 km' (towing up to 50 km incl. for breakdowns), 'Odtah v ČR neomezeně' (unlimited towing within Czechia) and 'Odtah i ze zahraničí' (unlimited towing incl. from abroad). All variants include on-site repair up to a time limit (1 hour, except organised only for the first variant), unlimited vehicle recovery/righting, towed-vehicle storage (10 days), and crew benefits (alternative transport, hotel accommodation for 1-3 nights, replacement vehicle for 3-7 days depending on variant, +10 days after theft).
Replacement vehicle
CZK 600 – CZK 1,000
Only in Odtah 50 km, Odtah v ČR neomezeně, Odtah i ze zahraničí, Nezaviněná nehoda
Provided under the Assistance module (up to 3 or 7 days depending on the assistance variant, +10 days after theft) and separately under the Uninsured Accident module for as long as repair reasonably takes. Daily reimbursement is capped by vehicle segment: A 600 CZK, B 800 CZK, C 1000 CZK; running costs (e.g. fuel) and damage to the replacement vehicle are not covered. Reasonable repair duration is assessed using expert systems and excludes delays caused by the client.
Driver/passenger accident insurance
CZK 500 – CZK 500,000
Only in Smrt obou rodičů, Úraz řidiče
Available in two variants. 'Smrt obou rodičů' pays each child under 25 a monthly benefit of 10,000 CZK until the month of their 25th birthday if both parents die within 1 year following the accident. 'Úraz řidiče' pays a lump sum of 500,000 CZK on the driver's death or on disability (invalidity grade 2/3, within 3 years of the accident), plus 500 CZK per day of work incapacity beyond 28 days (max. 2 years).
Key conditions
Driver age and experience limit
The provided policy documents do not state any minimum driver age or driving-experience requirement for casco coverage.
Repair network requirements
The client selects one of three repair options at inception: 'Smluvní neznačkové' (contracted non-brand workshops only, cheapest), 'Smluvní autorizované' (contracted authorized workshops, mid-price) or 'Autorizované a neznačkové' (any authorized or non-brand workshop, most expensive). Using a workshop outside the selected option limits reimbursement to the cost at the nearest contracted workshop; glass repairs follow separate rules allowing any licensed workshop under the widest option.
Territorial scope
Coverage applies across Europe and Turkey, excluding Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova and Russia; the Canary Islands are excluded as not geographically part of Europe; areas of armed conflict or not under full government control are excluded.
Anti-theft requirements
The vehicle registration document, keys and security code cards must not be left in the vehicle when unattended; a trailer must have its coupling device locked. Within 5 working days of discovering a theft, the client must hand over the original registration certificate and all key sets; breach of these duties can reduce or deny the claim.
Claim notification deadline
Theft, vandalism and animal-collision events must be reported to the police without undue delay; any claim must be reported to Pillow without undue delay. Odometer photos must be supplied via the app within 2 weeks of policy inception and within 2 weeks before each policy anniversary.
Deductible rules
An increased deductible (up to 90% of the limit, or 50% for glass) applies until the client's photo inspection is submitted and approved; afterwards a fixed deductible applies as selected (e.g. 0/5/10/20 thousand CZK). For glass, the deductible drops to a flat 500 CZK for replacement (0 CZK for repair by resin injection) after photo approval, up to a stated date.
Where to buy
Policy specifics
Own vehicle damage - collision and impact
Coverage for damage caused by collision, impact, or falling of the vehicle
SourceAnimal collision and damage
Coverage for damage from collision with animal or damage caused by animal to parked vehicle
SourceWindscreen and vehicle glass insurance
Unlimited coverage for damage to all vehicle windows including roof and panoramic glass
SourceNatural event and weather damage
Coverage for damage caused by natural events using meteorological definitions
SourceDriver injury and accident protection
Coverage for injury to driver and passenger occupants in traffic accident
SourceLuggage and personal items coverage
Coverage for damage or theft of luggage and items inside vehicle
SourceRoadside assistance services
Coverage for towing, repair assistance, and other roadside services
SourceUninsured (not-at-fault) accident cover
If the insured driver is not at fault and the at-fault party carries mandatory MTPL (green-card country), Pillow pays the claim directly (recovery, towing, storage, replacement vehicle for the reasonable repair period) and recovers the cost from the at-fault insurer itself, sparing the client from dealing with a foreign/third-party insurer.
SourceRepair network selection
Policyholders can choose between authorized and contractual repair shops with different pricing
SourceReplacement vehicle provision
Insurer provides rental vehicle during repair of damaged vehicle with specific daily limits
SourcePartial damage claim payment method
For partial damage claims, insurer pays repair costs based on invoice or budget (estimate), not as total loss
SourceTotal loss vehicle valuation
In case of total loss, insurer uses usual market value of comparable vehicle in Czech market
SourceKilometer-based insurance pricing
Premium calculated based on estimated annual kilometers driven; rebates provided if actual mileage is lower
SourceSelectable deductible levels
Policyholders can select different deductible amounts for different coverage types
SourceInitial vehicle condition photo inspection
Customer takes photos of vehicle condition at policy start using mobile app; reduces deductible if completed
SourceGeographic territory restrictions
Insurance covers Europe with exceptions; excludes armed conflict zones and territories not under full government control
SourceContract commencement condition
Insurance contract is formed only upon payment of first premium in correct amount and within specified deadline
Source