ČSOB Pojišťovna, a.s., member of the ČSOB holding
ČSOB Pojišťovna
ČSOB Pojišťovna is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Under ČSOB Pojišťovna's general liability insurance conditions (which govern MTPL/'povinné ručení'), the insurer pays the compensation directly to the injured/damaged third party, not to the policyholder. The policyholder (the at-fault driver) has no direct claim against the insurer unless a special law or the policy states otherwise; only if the policyholder has already personally compensated the injured party out of pocket can they then claim reimbursement from the insurer up to the amount the insurer would otherwise have had to pay. For optional add-ons such as windscreen/glass repair, ČSOB may pay a recommended contracted repair shop directly if the policyholder agrees to have the repair carried out there.
Geographic scope
Czech Republic
Territorial scope is shown on the front of the Green Card; in most cases this corresponds to the territory of Europe.
Unique selling points
- Liability limits up to 200 million CZK for both bodily injury and property damage, well above statutory minimums.
- The Premiant tier uniquely covers damage to the policyholder's own vehicle up to 10,000 CZK even when the policyholder caused the accident.
- Driver accident insurance up to 300,000 CZK plus coverage of personal belongings in the car is included as standard.
- A replacement vehicle or reimbursement of rental costs up to 10,000 CZK is provided when repairs take longer than 8 hours.
- Extensive 24/7 roadside assistance covers both accidents and breakdowns in the Czech Republic and abroad.
Coverage limits
Bodily injury liability
CZK 200,000,000
Coverage for bodily harm caused to third parties (including passengers) up to 200 million CZK; the highest limit applies in the Premiant variant.
Property damage liability
CZK 200,000,000
Coverage for property damage caused to third parties up to 200 million CZK; the highest limit applies in the Premiant variant.
Legal defence
Not established from the reviewed documents
No evidence of legal defence coverage within the NAŠE AUTO MTPL product was found in the reviewed sources.
Green Card
Covered
Green Card issued as proof of liability insurance for travel abroad; the territorial scope of coverage is printed on its front side and generally corresponds to Europe.
Roadside assistance
Covered
24/7 roadside assistance for vehicle breakdowns and accidents within the Czech Republic and abroad, including towing, wheel replacement, fuel delivery, and vehicle unlocking; extended NADSTANDARD/PREMIANT variants offer higher limits.
Driver accident insurance
CZK 300,000
Accident insurance covering driver injury or death while driving, with coverage limits up to 300,000 CZK, included as standard in the NAŠE AUTO MTPL product.
Passenger accident insurance
Not established from the reviewed documents
No separate passenger accident coverage was confirmed in the reviewed sources; liability limits extend to passengers but this is not accident insurance for passengers.
Key conditions
Territorial scope
The territorial scope is stated on the front of the Green Card; in most cases it covers the territory of Europe.
Green card rules
The insurer issues a Green Card as proof of liability insurance; the countries covered are marked on the card and generally correspond to the territory of Europe.
Driver restrictions
ČSOB Pojišťovna nemá veřejně zveřejněné explicitní věkové omezení pro pojistníka/řidiče u povinného ručení. Cena se ale odvíjí i od věku pojistníka a jeho bydliště – mladí řidiči (cca do 25 let) mají statisticky nejvyšší sazby. Nejvyšší varianta Premiant (s krytím škod na vlastním vozidle) lze sjednat pouze pro osobní a nákladní vozidla do celkové hmotnosti 3 500 kg a pro elektromobily.
Claim notification deadline
České právo (zákon č. 168/1999 Sb., resp. nově č. 30/2024 Sb.) ani VPP ČSOB nestanovují konkrétní počet dní pro nahlášení škodné události – povinností pojištěného je oznámit škodnou událost pojistiteli bez zbytečného odkladu. Podle VPP ČSOB platí navíc, že pokud je v souvislosti se škodnou událostí podezření ze spáchání trestného činu, přestupku nebo správního deliktu, musí být tato skutečnost oznámena Policii ČR bez zbytečného odkladu, nejpozději do druhého dne od jejího zjištění. Pojišťovna je pak povinna šetření pojistné události ukončit do 3 měsíců od jejího oznámení.
Bonus-malus rules
In the online calculator, the no-claims bonus is automatically verified using the policyholder's birth number and applied to the MTPL price.
Policy specifics
Assistance services
24/7 roadside assistance for vehicle breakdowns and accidents within Czech Republic and abroad, including towing, wheel replacement, fuel delivery, and vehicle unlocking services
SourceDriver injury insurance
Accident insurance covering driver injury or death with coverage limits up to 300,000 CZK, included in the standard MTPL product
SourceReplacement vehicle
Provision of a replacement vehicle when repairs exceed 8 hours, or financial compensation for rental costs if repair period extends beyond specified duration
SourcePersonal items insurance
Insurance coverage for personal belongings and items transported in the vehicle, included as supplementary coverage in the MTPL product
SourceOwn vehicle damage coverage (PREMIANT variant)
Optional PREMIANT variant of MTPL insurance that provides coverage for damage to the insured's own vehicle up to 10,000 CZK in case of at-fault accident, which is unique among MTPL providers
SourceHigh liability limits
Coverage limits available up to 200 million CZK for personal injury (bodily harm) and property damage caused to third parties, exceeding mandatory legal minimums
SourceCoinsurance on window glass damage
In case of optional window glass insurance sela under NAŠE AUTO Part H, the insured pays 50% coinsurance for glass damage claims within first 3 months of insurance commencement
SourceAnnual payout cap for comprehensive coverage
Total annual payouts for CASCO (comprehensive vehicle) insurance claims are capped at 1.3 times the agreed sum insured, after deducting coinsurance amounts
SourceNo coinsurance on MTPL liability coverage
MTPL (mandatory liability) coverage does not include any insured coinsurance / excess; full covered amounts are payable without deduction
SourcePolicy language - Czech only
All insurance contracts, policy conditions, and communications are provided exclusively in Czech language; no English or other language versions are offered
Source