Slavia pojišťovna a.s.
Slavia pojišťovna
Slavia pojišťovna is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
The insurer does not require repairs to be carried out at a contracted service network; the policyholder may choose any repair shop. Claims can be settled either by reimbursement of the actual, reasonable repair invoice or, if agreed, by a pre-calculated 'rozpočet' (budget) using non-branded/aftermarket parts and non-authorized service labour rates.
Geographic scope
Europe and Turkey, excluding Belarus, Russia and Ukraine
Coverage applies to pojistné události occurring in the geographical territory of Europe and Turkey, with the exception of the territories of Belarus, Russia and Ukraine.
Unique selling points
- No requirement to use a contracted repair shop – the policyholder can choose any garage.
- Photo-documenting the vehicle via the insurer's mobile app before cover starts can remove the otherwise steep 99.9% deductible from day one.
- No-claims bonus is transferable from the mandatory liability policy to the casco policy, and can be stacked with a 2% online-communication discount and a 5% discount for combining MTPL with casco.
- GAP and GAP mini top-up insurance can be added on top of Allrisk HAV to cover the difference between the vehicle's purchase price and its usual value in a total loss.
- No vehicle inspection is required to settle a glass-damage claim, even where the glass cannot be repaired.
Coverage limits
Own Damage (Collision, incl. animal strike)
100% of insured sum
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
100% of insured sum
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.
Partial Loss
100% of insured sum
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.
Theft / Robbery
100% of insured sum
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.
Glass Damage
CZK 5,000 – CZK 100,000
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.
Natural Perils
100% of insured sum
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.
Vandalism
100% of insured sum
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.
Roadside Assistance
Optional
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.
Replacement Vehicle
€3 – €10
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).
Driver/Passenger Accident Insurance
CZK 200,000
Optional rider (DPP PUR) for the driver and/or passengers of the insured vehicle: 200,000 CZK for permanent injury (trvalé následky) and 100,000 CZK for death by accident. The insured amounts can be increased up to five times. Minimum 8% permanent bodily impairment threshold applies for permanent-injury claims.
Key conditions
Driver age and experience limit
No minimum driver age or experience limit is stated for Allrisk HAV. A 'single driver' discount exists: if a person other than the policyholder is driving when a claim occurs, the policyholder's share of the claim payment is 90%, capped at 100,000 CZK.
Repair network requirements
No contracted repair network is required; the vehicle may be repaired at any garage. Settlement can be made via reasonable actual repair cost or, if agreed, via a pre-calculated 'rozpočet' using aftermarket parts and non-authorized service labour rates. The insurer must be allowed to inspect the damaged vehicle within 7 working days of claim notification before repairs are carried out, unless removal of the damage is necessary for safety, hygiene or ecological reasons.
Territorial scope
Coverage applies to events occurring in Europe and Turkey, excluding Belarus, Russia and Ukraine.
Anti-theft requirements
The insurer may condition acceptance of the vehicle into cover on installation of a security system (active/passive vehicle tracking, alarm, immobilizer, mechanical lock, or glass etching). If an installed tracking system, for which a premium discount was given, fails to alert the designated persons of unauthorized entry/theft, or if theft occurred using keys/remotes obtained other than by robbery or burglary, the insurer may reduce the indemnity.
Claim notification deadline
Claims must be reported without undue delay via the insurer's website, phone line or in writing. Theft, vandalism and animal-collision claims additionally require immediate/prompt police investigation as a condition of indemnity.
Deductible rules
For Allrisk HAV, the policyholder selects a fixed deductible of 5,000, 10,000 or 15,000 CZK. Until photo documentation of the vehicle's condition is submitted via the insurer's mobile app, the deductible is raised to 99.9%; submitting the documentation can reduce the deductible from the policy's inception. Several riders (theft, vandalism, natural perils, animal collision, tyres) instead apply a 50% deductible for the first 3 months of cover or until photo documentation is delivered.
Policy specifics
All-Risk Hazard Coverage
Comprehensive coverage for vehicle damage from collision, theft, natural disasters, vandalism, and animal strikes
SourceOptional Supplementary Coverage
Additional optional coverage including collision without fault, animal strikes, glass coverage, theft protection, luggage coverage, and rental car reimbursement
SourceAssistance Services
24/7 roadside assistance including emergency repairs, vehicle towing, replacement vehicle provision, accommodation, fuel delivery, and tire replacement services
SourceMandatory Combination Requirement
Comprehensive all-risk (casco) insurance must be arranged in combination with mandatory third-party liability insurance and cannot be purchased standalone
SourceDeductible Structure
Policyholder deductible (spoluúčast) ranges from 0% (minimum 5,000 CZK) to 10% (minimum 10,000 CZK) for basic coverage, with supplementary coverages having 5% or 10% deductibles and specific minimums (500-5,000 CZK)
SourceVehicle Eligibility Restrictions
Comprehensive insurance applies to personal and utility vehicles up to 3.5 tonnes total weight (categories M1 or N1) for normal use only. Maximum vehicle age is 13 years
SourceTerritorial Coverage Scope
Insurance coverage applies to geographical territory of Europe and Turkey with specific exclusions: Belarus, Chechnya, Moldavia, Russia, and Ukraine
SourceVehicle Inspection Requirement
For online arrangements of comprehensive insurance, vehicle acceptance into insurance is conditional on inspection by authorized insurer representative
SourceBonus/Malus System
Discount system for accident-free driving with potential discounts up to 50% achievable through no-claims history
Source