Slavia pojišťovna Casco (own-damage car insurance) (Allrisk Hav)

Core peril of Allrisk HAV. Insured sum equals the vehicle's usual (market) price, which is also the maximum limit of indemnity per claim. Deductible options of 5,000, 10,000 or 15,000 CZK; deductible rises to 99.9% until photo documentation of the vehicle is submitted via the insurer's mobile app. A standalone rider 'Pojištění havárie' is also available with a limit of 100,000–500,000 CZK, deductible 5,000 CZK, for vehicles up to 15 years old.

Total loss occurs when the vehicle is stolen, destroyed, or damaged so that reasonable repair cost equals or exceeds 80% of the vehicle's usual price immediately before the event. Payout equals the usual price of the vehicle less the usual value of usable salvage; the policy terminates upon payout.

Where reasonable repair cost is below 80% of the vehicle's usual price, the insurer reimburses the reasonable repair cost less the value of replaced salvage parts, up to the vehicle's usual price as the per-claim limit. Policyholder may opt for settlement via a pre-agreed 'rozpočet' (budget) using aftermarket parts and non-branded service rates.

Core peril of Allrisk HAV covering theft or robbery of the whole vehicle or its parts; insured sum equals the vehicle's usual price. Mandatory immediate police report required. A standalone rider 'Odcizení celého vozidla' is also available for vehicles up to 15 years old, limit 100,000–500,000 CZK, deductible 5,000 CZK, with a 50% deductible for the first 3 months of cover or until photo documentation is submitted.

Not part of the core Allrisk HAV bundle; available as a separate rider covering windscreen, roof-mounted windows and exterior mirror glass. Limit 5,000–100,000 CZK, deductible 500 CZK (0 CZK if the glass is repaired rather than replaced). No vehicle inspection is required for claim settlement.

Core peril of Allrisk HAV (hail, fire, lightning strike, windstorm, explosion, flood, avalanche, falling tree); insured sum equals the vehicle's usual price. A standalone rider is also available: 50,000 CZK if included within an MTPL package, or 100,000–500,000 CZK if bought as a separate rider, deductible 500 CZK, with a 50% deductible for the first 3 months or until photo documentation is submitted.

Core peril of Allrisk HAV covering intentional damage by a third party to a parked vehicle, provided the event was reported to and investigated by the police; insured sum equals the vehicle's usual price. A standalone rider is also available: 30,000 CZK if included within a package, or 100,000–200,000 CZK as a separate rider, deductible 2,500 CZK, with a 50% deductible for the first 3 months or until photo documentation is submitted.

Provided by Global Assistance a.s. via a dedicated 24/7 line, sold as a rider with four selectable levels (S/M/XL/VIP). S: roadside repair up to 60 min (max 3,000 CZK domestic / 6,000 CZK abroad), towing organized only. M: towing to nearest service, extrication up to 3,000/6,000 CZK, storage 3 days. XL: towing up to 200 km, unlimited extrication, storage 5 days, replacement vehicle up to 5 days, foreign repatriation included. VIP: unlimited-km domestic towing (400 km abroad), unlimited extrication, storage 10 days, replacement vehicle up to 9 days, full repatriation of vehicle/driver's remains, key delivery.

Optional rider providing a replacement vehicle for 3, 5 or 10 days (unit is days, not currency), delivered via Global Assistance for cars/vans up to 3.5 tonnes; days stack with any replacement-vehicle days already included in the selected assistance tier (M/XL/VIP).