Wüstenrot pojišťovna a.s.
Wüstenrot
Wüstenrot is a motor casco insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
If repair is economically viable, the insurer covers repair costs usual in the Czech Republic at a repair shop it recommends; for vehicles up to 5 years old the insurer recommends authorized repairers, for older vehicles independent repairers are also recommended, and the insured may be asked to submit the original repair invoice.
Geographic scope
Czech Republic
Coverage applies to insured events occurring in Europe including the European part of Turkey, Estonia, Lithuania and Latvia, excluding other states of the former USSR.
Unique selling points
- Fixed accident sum of CZK 1,000,000 for all vehicle occupants that is not reduced even if the driver is travelling alone.
- Bonus for claim-free driving reaches 30% after just two years and up to 60% after ten years without an at-fault accident.
- Automatic 10% discount is applied to a second and any further casco policy taken out by the same client.
- Above-standard assistance services are included free of charge with every concluded casco policy.
Coverage limits
Own damage / collision cover
Not established from the insurer's documents
Covers damage or destruction of the insured vehicle by any sudden random event (collision, impact, etc.), up to the total insured sum, less deductible; available in the Praktik and Komplet variants, not covered under the Expert variant which excludes at-fault collision damage.
Total loss cover
Not established from the insurer's documents
In case of total loss (destruction or economically unrepairable damage), the insurer pays the usual price of the vehicle at the time of the insured event less the value of usable remains; applies across all three variants whenever the triggering peril is covered.
Partial damage cover
Not established from the insurer's documents
If repair is economically viable, the insurer covers the usual repair costs after deducting the agreed deductible; available under Praktik and Komplet, not under Expert (which excludes at-fault collision damage).
Theft and robbery cover
Not established from the insurer's documents
Covers theft of the insured vehicle or its parts, including burglary-type theft or robbery, up to the total insured sum; available under the Expert and Komplet variants, not covered under Praktik.
Glass cover
Not established from the insurer's documents
Optional supplementary cover (cannot be sold standalone) for sudden damage or destruction of vehicle glass occurring separately from other vehicle damage; the insurer pays up to the limit agreed in the policy, with a deductible of 10% of the claim, minimum CZK 500.
Natural perils cover
Not established from the insurer's documents
Covers damage from fire, explosion, lightning, hail, windstorm, landslide or avalanche, earthquake, flood and inundation, and loss of the vehicle due to flood; included in all three variants (Praktik, Expert, Komplet).
Vandalism cover
Not established from the insurer's documents
Covers damage caused by intervention of a third party (vandalism) to the insured vehicle; included in all three variants (Praktik, Expert, Komplet).
Roadside assistance
Not established from the insurer's documents
Basic assistance services are included free of charge with the policy, governed by the insurer's current list of assistance services and payable only when arranged via Wüstenrot assistance; enhanced assistance is available for an extra annual fee.
Replacement vehicle cover
Not established from the insurer's documents
Optional supplementary cover (cannot be sold standalone) reimbursing rental costs of a replacement vehicle during repair after an accident investigated by the Police, up to a daily limit of CZK 1,200 (excl./incl. VAT depending on VAT payer status), rented only within the Czech Republic; no deductible applies; the overall per-claim limit is set individually in the policy.
Accident cover for transported persons
Not established from the insurer's documents
Optional supplementary cover (cannot be sold standalone) for death or permanent injury caused by accident to persons transported in the vehicle; a combined sum insured of CZK 1,000,000 applies for all occupants together at the time of the event, divided among them if more than one is affected.
Key conditions
Driver age and experience limit
No explicit minimum driver age or experience threshold is stated in the terms; however, damage caused while the vehicle was driven by a person without the prescribed driving authorization is excluded from cover.
Repair network requirements
The insurer covers repair costs usual in the Czech Republic at a repair shop it recommends; for vehicles up to 5 years old it recommends authorized repairers, and for vehicles older than 5 years it also recommends independent repairers.
Territorial scope
Coverage applies to insured events occurring in Europe, including the European part of Turkey, Estonia, Lithuania and Latvia, excluding other states of the former USSR; the replacement vehicle rider only covers rental costs incurred within the Czech Republic.
Anti-theft requirements
Depending on the insured sum, the vehicle must be secured: up to CZK 900,000 an immobilizer or mechanical device fixed to the body or an alarm with function blocking; from CZK 900,001 to 1,500,000 an immobilizer plus a mechanical device or alarm with blocking; above CZK 1,500,001 an immobilizer, an alarm with blocking, and an active satellite tracking device.
Claim notification deadline
The insured must notify the insurer of the insured event without undue delay in writing; in case of theft, notification must be made within 3 days of discovering the theft.
Deductible rules
The main casco deductible is selectable at 5%, 10% or 20% of the claim; the glass rider carries a deductible of 10% (minimum CZK 500) and the baggage rider carries a deductible of 10% (minimum CZK 1,000); the replacement vehicle rider is sold without a deductible.
Where to buy
Policy specifics
All-risk comprehensive coverage
Not established from the insurer's documents
Comprehensive all-risk motor vehicle insurance covering damage, theft, vandalism, and natural disasters
SourceThird-party source, not the insurer's documentBonus/Malus discount system
Not established from the insurer's documents
Progressive bonus system based on claim-free periods, with maximum bonus reaching 60% after 10 years without claimed accident. 10% discount automatically applied to second and subsequent vehicles
SourceThird-party source, not the insurer's documentAssistance services
Standard assistance services provided free of charge, with premium option for enhanced services (300 CZK per year)
SourceVehicle age restrictions
Not established from the insurer's documents
Motor vehicle insurance may have restrictions based on vehicle age and condition, particularly for used vehicles requiring inspection within 10 days of policy start
SourceThird-party source, not the insurer's documentClaims settlement procedures
Claims are settled either directly by insurer to repair network or reimbursed to policyholder. Direct payment to authorized service centers requires prior insurer approval
SourceGeographic coverage territory
Motor vehicle insurance valid on Czech and Slovak territory and across Europe (in countries with green card validity). Coverage includes accidents, theft, mechanical failures, and natural disasters
Source