UNIQA
UNIQA is a motor casco insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
If the damaged vehicle is repaired at an authorized UNIQA contracted repair shop, the insurer may pay the insurance benefit directly to that repair shop. Any difference between the insurer's payment and the repair shop's invoice is settled by the policyholder. For non-contracted repair shops, the insurer pays upon submission of repair invoices.
Geographic scope
CZ
Evropa v geografickém smyslu, včetně asijské části Turecka
Unique selling points
- Unlimited towing across the entire Czech and Slovak Republic is included at no extra charge in every KASKO package.
- Zero deductible is available when the vehicle is repaired at an authorized UNIQA contracted service, an option offered by only a small number of Czech insurers.
- No additional anti-theft security device is required for vehicles valued up to 5,000,000 CZK, eliminating a common barrier for high-value car owners.
- The Bonus-Malus claim-free history bonus reaches up to 50% discount, with transferability from any previous insurer.
- Every KASKO package includes UNIQA SafeLine-compatible telematic assistance and 24/7 dispatch, a service not offered by all competitors.
Coverage limits
Own damage (collision/accident)
Covered
Covers damage to the insured vehicle caused by accident (collision, impact, fall). For partial loss, the insurer pays the reasonable repair costs in prices of new parts up to 80% of the general vehicle value at the time of loss. For total loss, payment is based on the general market value of the vehicle at the time of loss. The insured sum is the maximum limit per claim.
Total loss
Covered
In the event of total loss (including theft), the insurer calculates the insurance benefit from the general market price of the vehicle on the date of loss. Depreciation is applied only in the case of total loss for specific components. The insured sum is the maximum limit per claim.
Partial loss
Covered
For partial loss, the insurer pays the reasonable repair costs (parts and labour) up to a maximum of 80% of the general market value of the vehicle at the time of loss. Damage exceeding this threshold is treated as total loss. Repair cost calculation is based on recommended manufacturer prices using a standard calculation system.
Theft and robbery
Covered
Covers theft (including theft by breaking in) and robbery of the insured vehicle or its parts. In the event of total loss by theft, settlement is based on the general market value at the time of loss less salvage value and deductible. Included in the Komplet variant and available as standalone Odcizení variant (with natural perils).
Glass damage
Optional
Glass damage (windscreen and all glazing) is excluded from the base KASKO policy unless occurring simultaneously with other covered damage. It is available as an optional add-on: windscreen-only cover or all-glass cover (including roof and headlight glazing). When repaired at an authorized UNIQA service, the deductible does not apply. Unlimited benefit limit is available.
Natural perils (elemental events)
Covered
Covers damage caused by natural events including storm, hail, flood, inundation, falling trees and pylons, landslide, avalanche. Included in the Komplet variant and also in the standalone Odcizení variant.
Vandalism
Covered
Covers damage to or destruction of the insured vehicle resulting from intentional acts of third parties (vandalism). Included in the Komplet variant as a standard peril.
Roadside assistance
Covered
Standard UNIQA Asistence is included free of charge with all KASKO packages. For accidents (traffic accident, natural event) in CZ+SR, towing is provided without limit; for breakdowns, towing is covered up to 50 km. Extended UNIQA Asistence PLUS (including replacement vehicle for 7 days, 7 nights accommodation up to 2,700 CZK per person per night, taxi up to 4,000 CZK) is available as a paid add-on. 24/7 dispatch is available.
Replacement vehicle
Optional
Replacement vehicle coverage is available as an optional add-on ("Připojištění příspěvku na náhradní vozidlo"). Within the standard UNIQA Asistence, a replacement vehicle is provided for 24 hours (CZ+SR, accident). Within UNIQA Asistence PLUS, a replacement vehicle including pick-up and drop-off is provided for 7 days for both accident and breakdown events.
Driver accident insurance
Optional
Driver accident insurance is available as an optional add-on to the KASKO policy. It covers the driver of the vehicle in the event of death or permanent disability resulting from a traffic accident. This is not included in the standard KASKO base cover.
Key conditions
driver_age_experience_limit
No specific minimum driver age is stated in the policy terms for standard KASKO coverage. The insurer may request specification of named drivers, in which case the deductible is doubled if a driver not listed in the contract operates the vehicle.
repair_network_requirements
The insurer operates an authorized UNIQA contracted repair network. The repair cost limit chosen in the contract determines the applicable hourly labour rate: 'Self-help' (lowest rate set by UNIQA), 'Contracted service' (rates agreed between UNIQA and the specific repair shop), 'Service in CZ' (standard market rates in the Czech Republic), or 'No restriction' (market rates without geographic restriction). Repairs at a contracted service may result in waiver or reduction of the deductible, and a zero-deductible option is available.
territorial_scope
The insurance covers Europe in the geographical sense, including the Asian part of Turkey. During vehicle transport by water, coverage is not interrupted if both the loading and unloading points are within the territorial scope. If the unloading point is outside the covered territory, the insurance ends at the moment unloading is completed.
anti_theft_requirements
The vehicle must be equipped with the security device specified in the contract and kept in operational condition at all times. When leaving the vehicle, all security systems must be activated. If a security device listed in the contract is missing at the time of a claim, the deductible is automatically doubled. No additional security devices are required for vehicles valued up to 5,000,000 CZK.
claim_notification_deadline
The insured must notify the insurer of a loss event without undue delay, and at the latest within 14 days, providing truthful information about the cause, location, time and extent of the damage. The insured must await written instructions from the insurer before commencing repairs, for up to 30 days from notification, unless safety, hygienic, or other serious reasons require immediate action.
deductible_rules
Each vehicle is insured with a deductible for every loss event unless otherwise agreed in the contract. The deductible is defined by two values: a minimum fixed deductible and a percentage of the insurance benefit. The final deductible is the higher of these two values. The deductible is automatically doubled if: a required security device is missing; an unlisted driver operates the vehicle (when driver specification was required). The insurer may waive the deductible in the event of a loss provably caused by a third party against whom subrogation can be exercised. A zero-deductible option is available when repairs are performed at an authorized UNIQA contracted service.
Policy specifics
Collision damage
Coverage for damage caused to the insured vehicle due to collision with other vehicles or objects
Theft and robbery
Coverage for vehicle theft, unauthorized taking, or robbery of the insured vehicle
Natural hazards coverage
Coverage for damage caused by natural events: fire, explosion, lightning strikes, floods, storms, hail, landslides, falling rocks, avalanches, snow weight
Wildlife collision damage
Coverage for damage caused by collision or direct contact with wildlife animals
Deductible (spoluúčast)
Policyholders can choose between fixed deductibles (minimum 2,000 CZK) or percentage deductibles (2-10%)
Authorized service repair
Insurer operates an authorized service network for vehicle repairs; repair cost calculation differs between authorized services and independent repair shops
Three package tiers
UNIQA offers three comprehensive CASCO package variants with different coverage levels; basic variant includes most major risks
Depreciation and wear
Insurer applies depreciation rates to components based on age and condition; certain parts (batteries, tires, exhaust, catalytic converter, audio equipment) are excluded from coverage
Free vehicle towing
Complimentary towing of damaged vehicle throughout Czech and Slovak Republic with no distance or mileage limits
Bonus-malus system
Annual bonus of 5% discount for each 12 months of claim-free history; maximum bonus up to 50-62%