Allianz pojišťovna, a.s.
Allianz
Allianz is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Allianz settles third-party liability claims directly with injured parties within the agreed limits, offers a network of contracted repair shops where indemnity is paid directly to the garage, and offers an optional 'Přímá likvidace' service under which Allianz settles 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.
Geographic scope
Czech Republic
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.
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
Bodily injury liability
Covered
No limit stated
Covers compensation the policyholder is legally liable to pay for bodily injury or death caused by the operation of the insured vehicle, up to the limits agreed in the individual policy contract; the general product documents do not state a specific CZK limit, only that it is set in the policy or offer.
Property damage liability
Covered
No limit stated
Covers compensation the policyholder is legally liable to pay for damage caused to third-party property (damage, destruction, loss or theft of items) and lost profit resulting from the operation of the insured vehicle, up to the limits agreed in the individual policy; no general CZK figure is stated in the product documents.
Legal defence / legal advice
CZK 50,000
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.
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.
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.
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.
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.
Key conditions
Territorial scope
MTPL is valid in the territories the insurer marks on the Green Card (EU/EEA member states and other Green Card countries); other bundled covers (assistance, optional casco add-ons) are valid only within Europe, including the European part of Turkey and the Greek part of Cyprus, excluding Belarus, Moldova, Russia and Ukraine.
Green card rules
The Green Card is sent to the policyholder immediately after conclusion of the policy as proof of MTPL cover; its territorial validity is marked directly on the card by the insurer.
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.
Where to buy
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
SourceClaims 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
SourceBasic 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
SourceAlternative vehicle rental provision
Policyholders have entitlement to rental vehicle costs coverage following third-party liability claims when policyholder's vehicle is damaged and repairs are necessary
SourceFour 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.
SourceOptional 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.
SourceReplacement 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.
SourceNo 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
SourceClaims 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
SourceFlexible 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
Source