Allianz
Allianz is a motor third-party liability insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Direct claims settlement (Přímá likvidace) is available as an optional add-on to all four MojeAuto packages. If the insured's vehicle is damaged by another driver, Allianz handles the claim directly without requiring the policyholder to contact the at-fault party's insurer. Allianz settles the vehicle damage and subsequently recovers costs from the liable insurer.
Geographic scope
CZ
Povinné ručení platí na území EU a EHP a dalších států uvedených na Zelené kartě. Ostatní pojištění (včetně asistence) platí na území Evropy (vč. evropské části Turecka a řecké části Kypru) s výjimkou Běloruska, Moldavska, Ruska a Ukrajiny.
Unique selling points
- Kilometre-based pricing ('I drive less, I pay less') can reduce premiums by up to 40% for low-mileage drivers, a rare feature on the Czech market.
- 24/7 legal advice (50,000 CZK limit) and 24/7 roadside assistance with unlimited call-outs are included in the base Komfort package at no extra charge.
- Optional direct claims settlement (Přímá likvidace) allows policyholders to settle vehicle damage caused by a third party directly with Allianz, without contacting the at-fault driver's insurer.
- Online purchase available with up to 21% discount; instant policy issuance and digital Green Card delivery without branch visit required.
- Allianz PLUS loyalty programme boosts standard accident insurance payout up to double (max. +1,000,000 CZK) when combined with another Allianz policy such as home or life insurance.
Coverage limits
Bodily injury liability (MTPL)
Covered
Covers bodily injury and death caused to third parties by the operation of the insured vehicle, up to the limits chosen in the policy contract. Covers medical costs for injured animals as well. The specific limit is set in each individual policy contract; available limits on the market range from 70/70 million CZK up to 200/200 million CZK per accident.
Property damage liability (MTPL)
Covered
Covers property damage and lost profit caused to third parties by the operation of the insured vehicle, up to the limits chosen in the policy contract. The specific limit is set in each individual policy contract and is the same combined limit as for bodily injury. Does not cover damage to the insured vehicle itself or items transported in it, nor damage between the motor vehicle and its trailer.
Legal advice (Právní poradenství)
Covered
24/7 telephone and written legal advice included in all four packages. Covers areas such as traffic accident investigation, dealings with customs authorities, criminal and administrative proceedings, licence withdrawal, and vehicle purchase/sale including complaints. The total limit of insurance indemnity is 50,000 CZK. Does not cover drafting of contracts, intentional offences, or disputes between the policyholder and Allianz.
Green Card (international insurance certificate)
Covered
A Green Card (international motor insurance certificate) is issued automatically upon conclusion of the policy. MTPL coverage is valid in countries indicated on the Green Card, generally all of Europe, the Asian part of Russia and Turkey, Iran, Israel, Morocco, and Tunisia, with partial coverage for Azerbaijan, Cyprus, and Serbia. Annual renewal cards are sent out 2 months before policy anniversary.
Roadside assistance (Asistence)
Covered
Basic assistance (Asistence) is included in the Komfort package; Extended assistance (Rozšířená asistence) is included in Plus, Extra, and Max packages. Basic assistance covers on-site vehicle repair (up to 1 hour), towing to the nearest contracted garage, and transport of passengers up to 50 km. Extended assistance additionally includes a replacement vehicle (up to 6 days), hotel accommodation or transport home, fuel delivery, wheel change, and repatriation of remains. Available 24/7 on +420 241 170 000. Coverage applies throughout Europe (incl. European part of Turkey and Greek part of Cyprus) except Belarus, Moldova, Russia and Ukraine.
Driver accident insurance (Úrazové pojištění)
Covered
All four packages include accident insurance covering the driver (and all occupants in Plus/Extra/Max packages). A lump-sum benefit is paid in the event of death or disability resulting from a traffic accident. The exact sum insured is specified in the individual policy contract. No benefit is paid if the driver was under the influence of alcohol or drugs, was driving without a valid licence, or if the seatbelt was not worn (where required by law).
Passenger accident insurance (Úrazové pojištění posádky)
Conditional
Accident insurance covering all vehicle occupants (driver + passengers) is included in the Plus, Extra, and Max packages. In the Komfort package only the driver is covered. Payment is made in the event of death or disability resulting from a traffic accident. No benefit is paid if the occupant was not wearing a seatbelt (where required by law), or if the driver caused the accident while under the influence of alcohol or drugs. Children and old-age pensioners also receive a benefit for any level of dependency on another person's assistance resulting from the accident.
Key conditions
territorial_scope
MTPL (povinné ručení) is valid in countries indicated on the Green Card, covering the EU, EEA, and additional states generally including all of Europe, the Asian parts of Russia and Turkey, Iran, Israel, Morocco, and Tunisia (with limited validity for Azerbaijan, Cyprus, and Serbia). All other coverages (including assistance) are valid throughout Europe (incl. European part of Turkey and Greek part of Cyprus) except Belarus, Moldova, Russia, and Ukraine.
green_card_rules
The Green Card is issued automatically upon policy conclusion and annually at policy anniversary (sent 2 months in advance). Territorial validity is marked on the face of the card. The card serves as international proof of mandatory motor third-party liability insurance. For detailed validity per country, the Czech Insurers' Bureau (Česká kancelář pojistitelů) website is referenced.
driver_restrictions
The insured vehicle must have a valid Czech technical certificate (technický průkaz), Czech vehicle registration certificate (osvědčení o registraci), or EU Certificate of Conformity (COC) for unregistered vehicles. Coverage is excluded when the vehicle is driven by a person without a valid driving licence, under the influence of alcohol or other addictive substances, or subject to a driving ban issued by a state authority. The driver must not refuse a sobriety test. For vehicles not subject to Czech vehicle registration, coverage is limited to the Komfort package (MTPL only).
claim_notification_deadline
The policyholder must notify Allianz of a loss without undue delay, ideally within 24 hours of its occurrence or of learning about it. Notification can be made by telephone on +420 241 170 000 or electronically via www.allianz.cz/hlaseni. For MTPL claims, the policyholder must also provide personal details to the injured party and notify police when required by law (always in case of theft or vandalism). Failure to promptly report intentional damage, theft, or theft of parts to police may result in denial of the insurance benefit.
bonus_malus_rules
Allianz has replaced the traditional bonus/malus table with a more advanced risk-based system drawing on data from the Czech Insurers' Bureau (ČKP). The system takes into account the total duration of previous MTPL policies (up to the last 20 years), number and recency of at-fault claims, and the number and types of vehicles registered to the policyholder. The bonus/malus is automatically reflected in the final premium quoted. Claim history is transferable between insurers via the ČKP database. Each at-fault claim event reduces the damage-free period by 24 months in the legacy system still referenced by some intermediaries.
Where to buy
Policy specifics
Direct claims settlement (Přímá likvidace)
An optional add-on available to all four MojeAuto packages. If the insured vehicle is damaged by another driver, the policyholder contacts Allianz directly instead of the at-fault party's insurer. Allianz settles the vehicle repair or replacement claim and recovers costs from the liable insurer. Requires proof of the other party's liability (police decision or accident record), a power of attorney to pursue the third-party claim, and no simultaneous claim under another insurance product. No deductible applies under přímá likvidace.
Legal advice 24/7
24-hour telephone (and where applicable written) legal advice service included as standard in all four MojeAuto packages. Covers traffic accident investigations, dealings with customs authorities, criminal and administrative proceedings, licence withdrawal, and vehicle purchase/sale. Total indemnity limit: 50,000 CZK. Excludes drafting of contracts, intentional offences, disputes between the policyholder and Allianz, and matters arising from commercial activities.
Roadside assistance (Asistence / Rozšířená asistence)
Basic roadside assistance (Asistence) included in the Komfort package covers on-site repair (up to 1 hour), towing to the nearest contracted garage within 20 km, and passenger transport up to 50 km. Extended assistance (Rozšířená asistence) in Plus/Extra/Max adds towing to any location up to 150 km, replacement vehicle for up to 6 days, hotel accommodation (up to 3 nights, max. 2,000 CZK/person/night), fuel delivery, wheel change on-site, transport home, driver transport to collect a found stolen vehicle, wreck disposal up to 3,300 CZK, and repatriation of remains. Unlimited use except for flat battery (max. 2 per policy year) and replacement vehicle for certain events (max. 2 per policy year in Extended assistance for specific triggers).
Accident record form assistance
As part of the basic and extended assistance service, Allianz provides information on how to complete the standard EU accident record form (Záznam o dopravní nehodě) required under Czech law. The assistance service can also provide telephone interpretation/translation during roadside, border, or customs checks and when communicating with other accident participants or state authorities.
Mileage-based pricing (Jezdím málo, platím málo)
The premium is calculated taking into account the estimated annual kilometres driven (applies to vehicles up to 3.5 tonnes). The policyholder selects a kilometre interval at inception and must provide an odometer photo within 15 days of policy start, 3 months before each anniversary, at policy expiry, and whenever requested. If the policyholder fails to provide the odometer reading, the premium is increased to the level corresponding to 'more than 25,000 km'. If the declared mileage is found to be incorrect, a contractual penalty of three times the annual premium may be applied. Savings can reach up to 40% for very low mileage (under 5,000 km/year).
Four package tiers
MojeAuto is offered in four packages with increasing coverage levels: KOMFORT (MTPL + legal advice + basic assistance + accident insurance for driver), PLUS (adds natural perils, fire/explosion, animal damage, extended assistance, and full occupant accident insurance), EXTRA (adds theft, glass, and vandalism), and MAX (adds collision/accident damage and GAP insurance). MTPL is included in all four packages. The přímá likvidace (direct claims settlement) add-on is optionally available across all packages.
Vehicle registration monitoring
The insurance policy automatically terminates upon deregistration of the vehicle from the Czech vehicle register, on the date of recording of the vehicle's termination in the vehicle register, or upon expiry of export licence plates. For vehicles not subject to Czech vehicle registration, coverage is limited to the Komfort package (MTPL only under Act No. 30/2024 Coll.).
Green Card valid territories
MTPL (povinné ručení) is valid in countries indicated on the Green Card. All other coverages (including assistance) are valid in Europe (incl. European part of Turkey and Greek part of Cyprus) except Belarus, Moldova, Russia, and Ukraine. The territorial scope thus differs by coverage type: MTPL follows the Green Card list while all other coverages are limited to the defined European territory.