CSOB Pojistovna
CSOB Pojistovna is a motor third-party liability insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
The insurer pays claims directly to the injured third party. The insured must not acknowledge any liability or agree to any settlement without the prior written consent of the insurer. The insurer handles defence and settlement negotiations on behalf of the insured.
Geographic scope
CZ
MTPL coverage applies to EEA and EU member states as indicated on the Green Card. Simultaneously concluded ancillary coverages (transported goods, driver accident insurance) apply to the geographic territory of Europe and the entire territory of Turkey.
Unique selling points
- Coverage limits up to 200 million CZK for both bodily injury and property damage in the Premiant variant, significantly above the statutory minimum of 50 million CZK.
- Driver accident insurance and personal items insurance for the driver and family members are included in all MTPL variants at no extra cost.
- 24/7 roadside assistance covering both accidents and mechanical breakdowns in Czech Republic and abroad is standard in every MTPL variant with enhanced Nadstandard and Bez Limitu tiers available as optional upgrades.
- The Premiant variant uniquely includes own vehicle damage coverage up to 10,000 CZK and rental vehicle costs up to 10,000 CZK in the event of an at-fault accident, features typically only found in comprehensive CASCO policies.
- 20 percent online purchase discount and a no-claims bonus system reaching up to 55 percent discount with maximum bonus achievable after 8 years of claims-free driving.
Coverage limits
Bodily injury liability per injured or deceased person
Covered
Coverage for bodily injury or death caused to third parties by operation of the insured vehicle. Limit per injured or deceased person per single loss event: Standard variant 50,000,000 CZK; Dominant variant 100,000,000 CZK; Premiant variant 200,000,000 CZK.
Property damage and lost profit liability per event regardless of number of injured parties
Covered
Coverage for property damage and lost profit caused to third parties by operation of the insured vehicle. Limit per event regardless of number of injured parties: Standard variant 50,000,000 CZK; Dominant variant 100,000,000 CZK; Premiant variant 200,000,000 CZK.
Legal protection insurance optional add-on
Optional
Optional legal protection insurance covering necessary and purposefully incurred costs of legal representation and proceedings related to the operation or driving of the insured vehicle, covering administrative and criminal proceedings and claims for damages caused to the insured. Limit 50,000 CZK per claim event, no deductible. Available as an add-on for vehicle categories 1 to 5 including trailers.
Green Card international motor insurance certificate
Covered
The Green Card is issued as part of the MTPL policy and evidences insurance coverage in EEA member states and EU countries. Within the Czech Republic, drivers are no longer required to carry or present a printed Green Card; it is available digitally in the insurer client portal and the CSOB Smart mobile app. A printed copy is recommended when travelling abroad.
Roadside assistance basic included with MTPL 24 hours daily
Covered
Basic 24/7 roadside assistance is included as standard with all MTPL variants at no extra charge. Services include on-site repair or towing to the nearest workshop up to 2,000 CZK in Czech Republic or 150 EUR abroad per event, vehicle storage up to 3 days, towing to the policyholder residence, accommodation or continuation of journey if repair exceeds 8 hours up to 2x1,500 CZK in Czech Republic or 2x80 EUR abroad, and legal and administrative assistance abroad. Contact: 1224 in Czech Republic or +420 466 100 777 abroad. Enhanced Nadstandard and Bez Limitu tiers are available as optional add-ons.
Driver accident insurance included in all MTPL variants
Covered
Accident insurance for the authorised driver is automatically included in all MTPL variants at no extra cost. Covers permanent consequences of accident and death by accident arising from collision, fall, impact, fire or explosion of the vehicle or objects falling on the vehicle, where the accident is investigated by police. Insured sums: Standard 100,000 CZK; Dominant 200,000 CZK; Premiant 300,000 CZK for both permanent consequences and death. Territorial scope: Europe and Turkey.
Passenger accident insurance optional add-on
Optional
Optional accident insurance for all vehicle occupants covering permanent consequences of accident, death by accident, and daily compensation during treatment. Basic insured sums: permanent consequences 200,000 CZK, death 200,000 CZK, daily compensation 200 CZK; up to triple these amounts may be agreed. Applies to accidents arising from collision, fall, impact, fire, or explosion of the vehicle investigated by police. Territorial scope: Europe and Turkey.
Key conditions
territorial_scope
MTPL coverage applies to the territory of EEA member states and EU countries as indicated on the Green Card. Ancillary coverages simultaneously concluded with MTPL such as transported goods insurance and driver accident insurance apply to the geographic territory of Europe and the entire territory of Turkey.
green_card_rules
The Green Card is issued as part of the MTPL policy and is available digitally in the insurer client portal and the CSOB Smart mobile app. The driver is no longer required to carry or present a printed Green Card or show it via mobile in the Czech Republic. When travelling abroad the insurer recommends carrying a printed copy. The Green Card lists the countries where coverage is valid.
driver_restrictions
There are no explicit age restrictions on drivers stated in the MTPL conditions. The insurer does not pay claims where the vehicle was driven by a person without the required driving licence, under the influence of alcohol or narcotic or psychotropic substances, or where the driver identity could not be clearly established. The bonus malus system is linked to the policyholder or vehicle operator.
claim_notification_deadline
The entitled person or any person with a legal interest in the claim must notify the insurer of the loss event without undue delay and no later than 15 days from discovering it. Where criminal offence, administrative offence or misdemeanour is suspected, the event must be reported to the Czech Police without undue delay and no later than the second day after discovering the matter. The insured must also notify the insurer within 7 days of any proceedings initiated against them.
bonus_malus_rules
At policy inception a bonus is awarded or malus applied based on the insured claims history recorded in the Czech Insurers Bureau database or based on a certificate of claims-free period from a previous insurer. Bonus and malus are linked to the policyholder or vehicle operator and are applied from the start of the policy period following the assessed period. If the insurer learns of a claim or finalises its investigation after setting the new premium for the next period it may increase the newly set premium by up to 20 percent.
Where to buy
Documents
VPP KPV 2024 Vseobecne pojistne podminky pro Komplexni pojisteni vozidla NASE AUTO
terms_and_conditions
IPID Komplexni pojisteni vozidla NASE AUTO 2024 Informacni dokument o pojistnem produktu
ipid
Infolist produktu Pojisteni odpovednosti za ujmu zpusobenou provozem vozidla Povinne ruceni 04-2024
other
Policy specifics
Own vehicle damage coverage (PREMIANT variant only)
In the PREMIANT variant, own vehicle damage is covered up to 10,000 CZK in case of at-fault accident
Rental vehicle provision (PREMIANT variant only)
In case of accident requiring repairs exceeding 8 hours, PREMIANT variant covers rental vehicle costs up to 10,000 CZK
Driver injury insurance
Driver injury insurance with lifelong annuity benefit included, up to 300,000 CZK coverage
Personal items insurance
Insurance for personal items and luggage of driver and passengers included in the policy
24/7 Assistance services
Comprehensive assistance services available 24 hours daily in case of accident or vehicle breakdown, both in Czech Republic and abroad
Coverage limit variants
Three variants available: STANDARD (44/35 million CZK), DOMINANT (60/60 million CZK), PREMIANT (200/200 million CZK) for bodily injury/property damage