UNIQA Casco (own-damage car insurance) (Kasko)

UNIQA SafeLine telematics unit provides active 24/7 monitoring with automatic crash detection and location tracking for stolen vehicles.

Arranging the policy online brings a 5% 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.

Driver age and experience limit

No minimum driver age or licence-holding period is required to take out the policy.

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.

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, as agreed in the policy. 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.

Section: Článek 7 > Spoluúčast

Výše sjednané spoluúčasti je určena dvěma hodnotami: – minimální spoluúčastí a – spoluúčastí z pojistného plnění. Konečná výše této spoluúčasti je stanovena až v době pojistné události jako výsledná hodnota vzniklá porovnáním spoluúčasti minimální a spoluúčasti z pojistného plnění.

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.