UNIQA pojišťovna, a.s.
UNIQA
UNIQA is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
If the damaged vehicle is repaired at UNIQA's contracted service partner, the insurer may, on the instruction of the entitled person or a power of attorney given to the service, pay the indemnity directly to the account of that service; if repaired elsewhere, direct payment to that workshop requires submission of repair invoices.
Geographic scope
Europe in the geographical sense, including the Asian part of Turkey
Transport of the vehicle by water does not interrupt cover if both the loading and unloading points lie within the territorial scope; if the unloading point lies outside the scope, cover ends when unloading is completed.
Unique selling points
- UNIQA SafeLine telematics unit provides active 24/7 monitoring with automatic crash detection and location tracking for stolen vehicles, a service marketed as unmatched by other insurers on the Czech market.
- Sjednání pojištění online (arranging the policy online) brings a 15% discount on the KASKO premium.
- The deductible can start as low as 0 CZK when repairs are carried out at a UNIQA contracted service partner.
- The Prima Bonus scheme extends the standard Bonus-Malus ladder beyond the usual 50% cap into classes B11–B13, with a softened malus step-down after a single claim in the following two years.
- Direct claims settlement ('Profík') lets UNIQA pay the contracted repair shop directly, removing the need for the policyholder to advance repair costs.
Coverage limits
Own damage / collision (havárie)
100% of insured sum
Only in Komplet
Covers damage to the insured vehicle caused by collision (havárie), i.e. sudden and accidental action of external forces (impact, fall, collision), up to the sum insured (pojistná částka) agreed in the policy. Included in the 'Komplet' combination of perils.
Total loss settlement
100% of insured sum
Only in Komplet, Odcizení
A loss is treated as total when the cost to repair in new-part prices exceeds 80% of the vehicle's usual (obvyklá) value on the day of the loss (also applies to theft). Indemnity equals the vehicle's usual value at the date of loss, less salvage value, capped at the sum insured.
Partial loss / repair cost settlement
80% of insured sum
Only in Komplet, Odcizení
Indemnity equals reasonable repair costs in new-part prices, less usable remains, up to a maximum of 80% of the vehicle's usual value on the day of loss; losses exceeding this threshold are settled as total losses.
Theft and robbery (odcizení)
100% of insured sum
Only in Komplet, Odcizení
Covers theft by burglary (perpetrator provably overcame a securing obstacle) or robbery (use of violence or threat of violence) of the vehicle or its part; indemnity equals the vehicle's usual value at the date of theft, less salvage value, up to the sum insured.
Vehicle glass cover
CZK 10,000 – CZK 50,000
Only in Standard, Limit
Damage to vehicle glass is excluded from base KASKO cover unless other covered damage occurs simultaneously, and must be purchased as a separate glass rider. Offered as 'Standard' (no additional plnění limit; base = vehicle's usual value) or 'Limit' (a chosen sum, e.g. 10,000 / 20,000 / 50,000 CZK) covering front and other windows including roof glass.
Natural hazards (živelní událost)
100% of insured sum
Only in Komplet, Odcizení
Covers fire, explosion, lightning strike, flood, windstorm, hail, landslide, rockfall/avalanche, snow weight and earthquake; included in both the 'Komplet' and the 'Odcizení' (theft-only) combination of perils, up to the sum insured.
Vandalism
100% of insured sum
Only in Komplet
Covers damage to the insured vehicle caused by the intentional act of a third party. Included only in the 'Komplet' combination of perils; not covered under the 'Odcizení' (theft-only) variant.
Basic assistance service
Covered
Only in základní, rozšířená
Basic 'UNIQA asistence' (technical assistance, roadside help) is included free of charge with the KASKO policy; an extended tier ('UNIQA asistence rozšířená'/PLUS, incl. SafeLine and direct claims settlement 'Profík') is available as a paid add-on with higher per-service limits.
Replacement vehicle contribution
5% of insured sum
Optional add-on reimbursing rental of a replacement vehicle of the same brand and equal or lower category during repair, for the usual repair duration. The per-day contribution is capped at 5% of the sum insured (waived limit if repaired at a UNIQA contracted service), and the total payout may not exceed 50% of the indemnity paid for the repair under the KASKO cover; for glass-only claims the maximum rental period is one calendar day.
Accident insurance for vehicle occupants (driver/passengers)
CZK 100,000 – CZK 1,600,000
Only in Varianta I, Varianta II, Varianta III, Varianta IV
Optional 'Pojištění sedadel' rider covering injury or death of the driver/occupants during use of the vehicle. Four variants (I–IV): permanent disability sums 100,000 / 400,000 / 800,000 / 1,600,000 CZK; death benefit 50,000 / 200,000 / 400,000 / 800,000 CZK; daily hospitalisation/treatment benefit 100 / 200 / 400 / 400 CZK per day.
Key conditions
Driver age and experience limit
The reviewed UNIQA KASKO terms and conditions do not set a minimum driver age or minimum licence-holding period as an eligibility condition for the policy itself.
Repair network requirements
The policyholder selects a repair-cost limit option in the contract: 'Svépomoc' (self-repair hourly rate published by UNIQA using new or equivalent-quality parts), 'Smluvní servis' (repair at UNIQA's contracted service network under the network agreement), 'Servis v ČR' (costs usual for a service in the Czech Republic) or 'Bez omezení' (unrestricted, usual local costs); repairing at UNIQA's contracted network typically reduces the deductible.
Territorial scope
Coverage applies to Europe in the geographical sense, including the Asian part of Turkey; transport of the vehicle by water does not interrupt cover if both the loading and unloading points lie within this territorial scope, otherwise cover ends when unloading is completed outside it.
Anti-theft requirements
The policyholder must equip the vehicle with the security device stated in the contract, keep it and the vehicle in operational condition, be able to document its installation before a claim, and activate it every time the vehicle is left unattended; the deductible automatically doubles for each contractually required security device that is missing or undocumented.
Claim notification deadline
The policyholder/insured must, without undue delay, notify the insurer of the loss and provide truthful information on its origin, place, cause and extent no later than within 14 days of the event.
Deductible rules
The deductible for each claim is the higher of a minimum fixed amount or a percentage of the indemnity (options in fleet/leasing contracts range from 2% of the indemnity, min. 2,000 CZK, up to 20% of the indemnity, min. 50,000 CZK, or fixed amounts up to 50,000 CZK); the standalone retail policy uses the same 'minimum vs. percentage' mechanism per the contract. The deductible automatically doubles for each missing required security device or for driving by a person not listed when specific drivers were required, and rises to 50% of the indemnity for theft of vehicles over 3,500 kg in the territory of the former USSR states; repair at a UNIQA contracted service reduces the deductible by a fixed amount.
Where to buy
Documents
General terms and conditions of KASKO motor insurance – special part UCZ/Kas/24
Terms & conditions
General terms and conditions of vehicle insurance – special part UCZ/Voz/24
Terms & conditions
General terms and conditions 'Auto & pohoda' UCZ/PVO/25 (effective 1 Oct 2025)
Terms & conditions
Insurance Product Information Document – KASKO
IPID
Product sheet – glass insurance
Table of benefits
Product sheet – accident insurance for vehicle occupants
Table of benefits
Policy specifics
Glass insurance
Optional supplementary coverage for windscreen and vehicle windows; available with limits from 4,000 CZK to 40,000 CZK
SourceBaggage insurance
Optional supplementary coverage for baggage and belongings of all passengers in vehicle; available with limits from 5,000 CZK to 100,000 CZK
SourceAccident insurance for vehicle occupants
Optional supplementary coverage for injury or death of vehicle driver and passengers during accident; can be added as supplement
SourceDirect claims settlement service
Optional service where UNIQA settles repair costs directly with authorized service partner instead of paying policyholder
SourceDeductible options
Policyholder can choose fixed deductible (minimum 2,000 CZK) or percentage deductible (2%-10%) with minimum threshold
SourceVehicle security device requirement
Policyholder must equip vehicle with security devices specified in insurance contract and maintain them in operational condition
SourceTotal loss assessment
Total loss occurs when repair costs exceed usual vehicle value before damage; UNIQA determines partial vs. total loss based on inspection
SourceBonus-Malus claims history system
Annual 5% discount (bonus) granted for claim-free year up to maximum 50% cumulative discount; bonuses transferable between insurers
SourceAdditional equipment coverage limits
Additional equipment and legally-required equipment up to 5% of insurance sum; equipment exceeding 5% requires specific listing
Source