Allianz Motor third-party liability (Mojeauto)
Underwritten by Allianz pojišťovna, a.s. · Czech Republic
motor third-party liability insurance from Allianz for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2026-03-01Sources
Unique selling points
24/7/365 legal advice hotline with a 50,000 CZK indemnity limit is included in every package, even the cheapest Komfort tier.
Optional Přímá likvidace lets the policyholder settle damage caused by another driver directly with Allianz, without dealing with the at-fault driver's insurer, and is selectable on all four package tiers.
The Allianz Plus loyalty program can double the accident insurance payout by up to 1,000,000 CZK and raise the luggage coverage limit from 15,000 to 65,000 CZK for eligible customers.
Rescue costs incurred to avert or mitigate an insured event are reimbursed on top of the agreed MTPL or damage limit, up to 30% of the limit for life-saving measures.
Roadside assistance calls are unlimited in frequency for the duration of the policy, with only battery-related callouts capped at twice per policy year.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal defence / legal advice
CZK 50K
Provides telephone or written legal advice on matters concerning ownership, operation or driving of the insured vehicle (accident investigation, customs matters, criminal and administrative proceedings, licence/registration document withdrawal, vehicle purchase/sale), available 24 hours a day, 365 days a year, with a total indemnity limit of 50,000 CZK.
Section: 2.1. Co všechno lze pojistit > Právní poradenství
s celkovým limitem pojistného plnění 50 000 K
Green Card
Covered
No limit stated
A Green Card proving MTPL cover is sent to the policyholder immediately after the policy is concluded; it is valid in the territories the insurer marks on it and does not carry a separate monetary coverage amount.
Section: 1. Předsmluvní informace > Jak mohu uzavřít pojistnou smlouvu?
Bezprostředně po jejím uzavření Vám pošleme pojistku coby doklad o uzavření pojistné smlouvy a tzv. Zelenou kartu.
Roadside assistance
Covered
No limit stated
Basic Asistence (included in the Komfort package) covers on-site repair (up to 1 hour), towing to the nearest contracted garage, and transport of the vehicle's occupants up to 50 km. The Plus, Extra and Max packages include Rozšířená asistence (extended assistance) adding a replacement vehicle (4-6 days depending on cause), hotel accommodation, towing up to 150 km, and occupant transport up to 100 km. No lump-sum monetary limit is stated; services are capped by scope, time or distance instead.
Section: 2.1. Co všechno lze pojistit > Asistence
opravu vozidla na místě události, tedy příjezd a odjezd asistenčního vozidla a opravu Vašeho vozidla trvající nejdéle 1 hodinu... zajistíme a zaplatíme náklady na odvoz řidiče a posádky vozidla vlakem, autobusem nebo taxíkem z místa události do jednoho společného místa až do vzdálenosti 50 km.
Driver accident insurance
Covered
No limit stated
Pays the sum insured stated in the individual policy if the driver dies or becomes disabled as a result of an accident sustained during a traffic accident; the specific CZK sum insured is agreed per policy and is not stated as a general figure in the product documents.
Section: 2.1. Co všechno lze pojistit > Úrazové pojištění
osobě určené zákonem, pokud kterýkoli člen posádky pojištěného vozidla zemře následkem úrazu při dopravní nehodě, a to nejpozději do 12 měsíců od okamžiku úrazu
Passenger accident insurance
Covered
No limit stated
Pays the sum insured stated in the individual policy if any member of the insured vehicle's crew (including passengers) dies or becomes disabled as a result of an accident sustained during a traffic accident; children and old-age pensioners are also indemnified for any degree of dependency on another person's care arising from such an accident.
Section: 2.1. Co všechno lze pojistit > Úrazové pojištění
kterémukoli členu posádky pojištěného vozidla, pokud se stane invalidním z důvodu úrazu při dopravní nehodě
Key conditions
Driver restrictions
MTPL does not cover damage to the vehicle whose operation caused the damage or to goods carried by it, nor damage arising between a towing vehicle and its trailer/semi-trailer; the accident and optional casco covers exclude damage or injury occurring while the vehicle was driven by a person without the required licence or under the influence of alcohol or other addictive substances.
Claim notification deadline
Claims should be reported as soon as possible, ideally within 24 hours of the event or of becoming aware of it, via the online form or by telephone; the police must additionally be called in cases of injury, damage to third-party property, suspected intentional damage, theft, or suspected alcohol/drug influence among participants.
Bonus-malus rules
Premium is set through automated individual assessment considering the policyholder's/driver's age and place of residence, prior MTPL claims history obtained from the Czech Insurers' Bureau (ČKP) register, annual mileage, and the vehicle's age and type; a higher number of prior claims results in a higher premium.
Territorial scope
MTPL is valid in the territories marked by the insurer on the Green Card (EU/EEA states and other Green Card countries); other bundled covers (assistance, optional casco covers) apply only within Europe, including the European part of Turkey and the Greek part of Cyprus, excluding Belarus, Moldova, Russia and Ukraine.
Documents
MojeAuto Terms & Conditions (valid from 1 March 2026) (opens in a new tab)
Terms & conditions · PDF
MojeAuto Terms & Conditions (valid from 1 April 2024, superseded) (opens in a new tab)
Terms & conditions · PDF
MojeAuto Insurance Product Information Document (IPID, valid from 1 April 2024) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Green Card territorial coverage
Motor Third-Party Liability Insurance is valid on territories marked on the Green Card (Zelená karta), covering EU, EHP states and other countries listed on the card
SourceSection: Proč povinné ručení od Allianz?
Povinné ručení Vás chrání nejen na území ČR, ale také v celé Evropě a dalších zemích, které máte na zelené kartě.
Claims settlement method
Allianz directly settles third-party liability claims from Motor Third-Party Liability Insurance and pays damages to injured parties directly within agreed limits
SourceSection: Proč povinné ručení od Allianz?
Možnost přímé likvidace škod – pokud Vám někdo způsobí škodu na vozidle, nemusíte to řešit s jeho pojišťovnou. Pokud si zvolíte přímou likvidaci, stačí nám zavolat a my to vyřídíme za Vás.
Basic assistance services
Basic assistance services are included free with Motor Third-Party Liability Insurance and available 24/7, including roadside assistance, vehicle recovery, and legal consultation
SourceSection: Proč povinné ručení od Allianz?
Právní poradenství i asistenci na telefonu poskytujeme 24 hodin denně, 7 dní v týdnu .
Four insurance package tiers
MTPL (Povinné ručení) is included as core coverage in all four MojeAuto packages – Komfort, Plus, Extra and Max – with higher tiers adding optional casco-type covers such as natural events, fire, theft, vandalism, glass, collision damage and GAP.
SourcePage 7Section: 1. Předsmluvní informace
Povinné ručení • • • •
Optional direct settlement (Přímá likvidace)
Policyholders may optionally add Přímá likvidace to any of the four packages, allowing Allianz to settle damage to the policyholder's own vehicle caused by another driver directly, without the policyholder needing to claim against the at-fault driver's insurer.
SourcePage 7Section: 1. Předsmluvní informace
Přímá likvidace (volitelně) • • • •
Replacement vehicle via Rozšířená asistence
A replacement vehicle is provided under Rozšířená asistence (included in the Plus, Extra and Max packages) for up to 4-6 days depending on the cause, when the policyholder's own vehicle becomes unusable due to breakdown, damage or theft; this is a feature of the assistance/casco cover, not an entitlement under MTPL liability claims.
SourcePage 19Section: 2.1. Co všechno lze pojistit > Rozšířená asistence
Poskytnutí náhradního vozidla 4 dny 6 dní 6 dní 6 dní 6 dní 4 dny 4 dny
No deductible on third-party liability
Motor Third-Party Liability Insurance operates without deductible (spoluúčast); full coverage applies to third-party damage within policy limits
SourceAnnual mileage-based pricing
Motor Third-Party Liability Insurance premium is calculated based on estimated annual vehicle mileage; lower mileage results in lower insurance premium
SourceSection: Co ovlivňuje ceny a kalkulaci povinného ručení? > Kritéria pro výpočet ceny povinného ručení
Roční nájezd – u Allianz čím méně jezdíte, tím méně platíte
Claims history and continuous coverage rating
Motor Third-Party Liability Insurance premium incorporates claims history tracked through Czech Insurance Bureau (ČKP) database, including claim-free periods and previous claim frequency
SourceSection: Autopojištění > Jak je posuzován bonus za dosavadní bezeškodní průběh mého pojištění
Výši pojistného mimo jiné ovlivňují Vaše dosavadní pojištění evidovaná v České kanceláři pojistitelů (dále jen ČKP), čímž myslíme celkovou dobu trvání pojistných smluv a dále škody , které se k nim vážou.
Flexible indemnity limits
Motor Third-Party Liability Insurance allows policyholders to select coverage limits up to 150 million CZK for both personal injury and property damage, with statutory minimum of 35 million CZK each
SourceSources
- allianz.czhttps://www.allianz.cz/content/dam/onemarketing/cee/azcz/dokumenty-a-formulare/autopojisteni/2026/Pojistne-podminky-MojeAuto-(platne-od-1.3.2026).pdf#page=14(opens in a new tab)
- allianz.czhttps://www.allianz.cz/content/dam/onemarketing/cee/azcz/dokumenty-a-formulare/autopojisteni/2026/Pojistne-podminky-MojeAuto-(platne-od-1.3.2026).pdf#page=15(opens in a new tab)
- allianz.czhttps://www.allianz.cz/content/dam/onemarketing/cee/azcz/dokumenty-a-formulare/autopojisteni/2026/Pojistne-podminky-MojeAuto-(platne-od-1.3.2026).pdf#page=17(opens in a new tab)
- allianz.czhttps://www.allianz.cz/content/dam/onemarketing/cee/azcz/dokumenty-a-formulare/autopojisteni/2026/Pojistne-podminky-MojeAuto-(platne-od-1.3.2026).pdf#page=19(opens in a new tab)
- allianz.czhttps://www.allianz.cz/content/dam/onemarketing/cee/azcz/dokumenty-a-formulare/autopojisteni/2026/Pojistne-podminky-MojeAuto-(platne-od-1.3.2026).pdf#page=3(opens in a new tab)
- allianz.czhttps://www.allianz.cz/content/dam/onemarketing/cee/azcz/dokumenty-a-formulare/autopojisteni/2026/Pojistne-podminky-MojeAuto-(platne-od-1.3.2026).pdf#page=7(opens in a new tab)
- allianz.czhttps://www.allianz.cz/cs_CZ/pojisteni/auta-a-vozidla/autopojisteni/povinne-ruceni.html(opens in a new tab)
- allianz.czhttps://www.allianz.cz/cs_CZ/pojisteni/pro-klienty/nejcastejsi-dotazy.html(opens in a new tab)
Allianz Motor third-party liability