Pojišťovna VZP, a.s.
PVZP JÍZDA
PVZP JÍZDA is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Insurance benefit is paid in local currency (CZK) within 15 days of completion of the claims investigation, unless the insurer and the entitled person agree on payment in kind (repair or replacement) or payment in a foreign currency.
Geographic scope
Europe, including the European part of Turkey
Coverage applies across Europe including the European part of Turkey, excluding Armenia, Azerbaijan, Belarus, Georgia, Moldova, Russia and Ukraine, and does not extend to territories not under the control of state governments.
Unique selling points
- TREFA lowers the deductible to 4,000/8,000 CZK (from 5,000/10,000 CZK) when the car is repaired at the insurer's contracted service network.
- Child seats, roof boxes and bike carriers are insured as accessories with no deductible when damaged on their own.
- An optional 'Unlimited Assistance' rider offers unlimited towing/repatriation across Europe and up to a 10-day replacement vehicle abroad.
- Optional cover pays veterinary treatment costs for dogs and cats injured while travelling in the insured vehicle during a traffic accident.
- Claims can be reported and photo-documented directly through the insurer's mobile app for a simplified settlement process.
Coverage limits
Own Damage (Casco) Coverage
Covered
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).
Total Loss Coverage
100% of insured sum
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 Coverage
80% of insured sum
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, plenty is settled exclusively by cost estimate or repair at the insurer's contracted service network (vehicles older than 5 years only).
Theft and Robbery Coverage
Covered
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).
Glass Damage Coverage
Optional
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.
Natural Hazards Coverage
Covered
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.
Vandalism Coverage
Covered
Vandalismus covers damage or destruction of the vehicle caused by proven intentional acts of a third party.
Roadside Assistance / Towing
CZK 3,000 – CZK 8,000
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.
Replacement Vehicle Rental
Optional
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.
Accident Insurance for Transported Persons
Optional
Optional obnosové (lump-sum) accident cover for the driver and/or passengers of the insured vehicle, for vehicles with up to 9 seats, paying out for permanent injury or death caused by a traffic accident/collision. The sums insured for permanent injury and death are set by the policyholder and act as the plan's maximum limits. Sold without a deductible.
Key conditions
Driver age and experience limit
The casco terms (VPPHAV 5/22) do not set any minimum driver age or driving-experience requirement as a condition for coverage.
Repair network requirements
Under TREFA, partial-damage claims may be settled by cost estimate or by actual repair cost at the insurer's contracted service network or at any other branded/non-branded garage. Under KLASIK (only for vehicles older than 5 years), settlement is exclusively by cost estimate or by actual repair cost incurred at the insurer's contracted service network.
Territorial scope
Coverage applies to insured events occurring in Europe, including the European part of Turkey, excluding Armenia, Azerbaijan, Belarus, Georgia, Moldova, Russia and Ukraine; it does not extend to territories not under the control of state governments.
Anti-theft requirements
Concluding theft coverage requires the vehicle to be fitted with an immobiliser or an approved mechanical anti-theft device. A premium discount is available for installing a mechanical lock fixed to the body that blocks gear shifting, or an active GPS/GSM vehicle-tracking system.
Claim notification deadline
Claims must be reported without undue delay ('bez zbytečného odkladu'); the terms do not specify a fixed number of days for a casco claim notification.
Deductible rules
The policyholder chooses a fixed deductible of 5,000 CZK or 10,000 CZK. Under TREFA, if the vehicle is repaired at the insurer's contracted service network, the deductible is reduced to 4,000 CZK or 8,000 CZK respectively. Regardless of the chosen deductible, contracts concluded remotely carry a 99% deductible from inception until photo documentation of the undamaged vehicle is submitted via the insurer's app.
Where to buy
Policy specifics
Comprehensive (Casco) Insurance
Coverage for vehicle damage from accidents, thefts, natural hazards, vandalism, animal collision, and cable damage
SourceMotor Liability Insurance
Mandatory third-party liability coverage for damage caused by the vehicle's operation
SourceAdditional Coverage Options
Supplementary coverage including glass protection, natural hazards, vehicle theft, or cable damage
SourceUnlimited Assistance Services
24/7 roadside assistance available across Europe including towing, tire change, fuel delivery
SourceLuggage and Child Seat Coverage
Protection for child seats, roof boxes, and bicycle carriers with no deductible for standalone claims
SourceMaximum Vehicle Seating
Insurance can be arranged for vehicles with maximum 9 seating positions
SourceLiability Coverage Territory
Motor liability insurance applies in states marked on the green card
SourceComprehensive Insurance Coverage Territory
Comprehensive insurance applies in Europe including Turkey (European part) except Armenia, Azerbaijan, Belarus, Georgia, Moldova, Russia, and Ukraine
SourceInsurance Contract Term
Insurance contract is concluded for indefinite duration with annual insurance period
SourceBonus/Malus System
Premium adjustments based on claims history; good drivers receive discounts (bonus)
SourceOnline Claims Reporting
Policyholders can report claims through a mobile app with photo documentation
Source