PVZP JÍZDA Casco (own-damage car insurance) (Havarijni Pojisteni Jizda)

Havarijní pojištění covers the insured vehicle for the four named perils: havárie (collision), živelní událost (natural hazard), odcizení (theft) and vandalismus (vandalism). The insured sum is the vehicle's usual (market) value at conclusion, set by the policyholder. Two variants exist: TREFA (any vehicle age) and KLASIK (vehicles older than 5 years only, with a more restrictive settlement method).

A vehicle is classified as a total loss when it is not technically repairable or repair costs equal or exceed 80% of the vehicle's usual price. In that case the benefit equals the usual price immediately before the event, less the value of any usable remains.

Partial damage (repair cost below 80% of usual price) is settled either by an insurer expert-system cost estimate (rozpočet) or actual invoiced repair cost. Under TREFA, repair may take place at the insurer's contracted service network or at any other branded/non-branded garage. Under KLASIK, the claim is settled exclusively by cost estimate or repair at the insurer's contracted service network (vehicles older than 5 years only).

Odcizení (theft/robbery of the vehicle or its parts) is one of the four perils included in both casco variants. Coverage requires the vehicle to be fitted with an immobiliser or an approved mechanical anti-theft device. Territorial scope follows the general casco territory (Europe incl. European Turkey, excluding Armenia, Azerbaijan, Belarus, Georgia, Moldova, Russia and Ukraine).

Optional add-on covering all viewing glass, including the roof/panoramic roof (not available for motorcycles, tricycles, quads or snowmobiles). The limit is set by the policyholder. A 50% deductible applies during the first 3 months, but it is waived if the vehicle is simultaneously covered by casco insurance, which is always the case when this add-on is attached to the casco product.

Živelní událost is one of the four included perils, covering flood, inundation, windstorm, fire, explosion, lightning, hail, earthquake, falling trees/rocks/landslides/avalanches, animal collision and animal bite damage to wiring.

Vandalismus covers damage or destruction of the vehicle caused by proven intentional acts of a third party.

Optional add-on (Rozšířené asistenční služby) offering a 24/7 call centre, on-site roadside repair (max. 60 minutes), spare-wheel change/tyre repair kit, fuel delivery, and towing. Základní rozsah covers towing up to 150 km or 3,000 CZK; Rozšířený rozsah covers towing up to 400 km or 8,000 CZK plus one night's replacement accommodation or a 3-day replacement vehicle or public-transport fare home. A separate, more extensive 'Neomezená asistence JÍZDA' product offers unlimited towing/repatriation and a 10-day replacement vehicle, and may be combined with either the liability or the casco policy.

Optional add-on covering rental of a replacement vehicle (cars and vans up to 3,500 kg) for up to 15 days during repair, or up to 30 days in case of theft or total loss. Payable only if repair time exceeds 8 standard-hours, the rental firm operates commercially in Czechia, the replacement is of equal or lower (max. mid-range) class, and rental cost does not exceed 1,200 CZK excl. VAT per day. Sold without a deductible.