Direct pojišťovna, a.s.
Direct
Direct is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Direct settles claims directly rather than through a reimbursement model; the company aims to confirm receipt of a claim within 2 days and states that around 90% of cases are resolved within about 7 hours of receiving all required documents, with payment sent within 15 days of concluding the investigation.
Geographic scope
Czech Republic
Coverage applies to the states shown on the current green card, generally EU/EEA member states plus additional countries designated by the Czech Insurers' Bureau (ČKP); for other countries, border insurance must be arranged separately.
Starting price
CZK 200
Indicative — pricing assumptions not stated
Unique selling points
- Choose liability limits up to 250 million CZK, five times above the legal minimum of 50 million CZK.
- Free 24/7 nonstop roadside assistance phone line included automatically with every policy.
- 3-year price and bonus guarantee — Direct commits not to raise the premium or change the bonus level on insured risks for three years.
- Flexible cancellation by mutual agreement at virtually any time, beyond the standard 6-week statutory notice period.
- Fully online policy issuance with an instant temporary green card sent by email right after signing.
Coverage limits
Bodily injury and death liability
CZK 50,000,000 – CZK 250,000,000
Only in 50 mil Kč, 100 mil Kč, 150 mil Kč, 200 mil Kč, 250 mil Kč
Direct's MTPL covers injury to health or death caused to third parties by the operation of the insured vehicle. Policyholders choose one of five equal-limit tiers (health/death and property use the same value): 50, 100, 150, 200 or 250 million CZK.
Property damage and other loss liability
CZK 50,000,000 – CZK 250,000,000
Only in 50 mil Kč, 100 mil Kč, 150 mil Kč, 200 mil Kč, 250 mil Kč
Covers damage to property and other financial loss caused to third parties by the insured vehicle's operation, using the same selectable limit tier (50–250 million CZK) as the health/death limit, sold without deductible.
Legal assistance ("Průvodce škodou na zdraví" service)
Covered
Automatic part of MTPL: Direct provides guidance and a free consultation with a lawyer for the policyholder or other affected persons dealing with a bodily-injury claim after a road accident, whether they were injured or caused the injury.
Green card
Covered
Proof of MTPL coverage. Direct issues a temporary green card by email (valid 1 month) immediately after the policy is signed, followed by an annual green card once payment is made; not required for domestic use in the Czech Republic since 2024 but still required for travel abroad.
Roadside assistance (basic tier included, higher tiers optional)
CZK 3,000 – CZK 30,000
Only in S, M, L, XL
A basic assistance tier is automatically included free with MTPL, with optional upgrade tiers S/M/L/XL offering increasing limits for roadside repair, towing, and related help: S = 3,000 CZK (CZ) / 6,000 CZK (Europe); M = 5,000 / 15,000 CZK; L = 10,000 / 30,000 CZK; XL = unlimited in both CZ and Europe. A 24/7 nonstop assistance phone line is provided.
Driver accident insurance (add-on)
Optional
Optional add-on covering death or permanent disability of the driver resulting from an accident during vehicle operation; the policyholder selects the sum insured for permanent disability and death when arranging the policy.
Driver and passenger accident insurance (add-on)
Optional
Optional add-on extending accident cover (death, permanent disability) to all persons in the insured vehicle, including the driver, up to the number of seats stated in the vehicle registration certificate; sum insured is chosen by the policyholder.
Key conditions
Territorial scope
Coverage applies to loss events occurring in the states shown on the current green card, generally EU/EEA member states plus other countries designated by the Czech Insurers' Bureau; entering a state not listed or crossed out on the green card requires separately arranged border insurance.
Green card rules
A temporary green card (valid 1 month) is emailed immediately after the policy is signed; an annual green card is issued once the first premium is paid, and renewed each year at policy renewal. As of 2024 the green card is not required for domestic driving in the Czech Republic but remains required when driving abroad.
Driver restrictions
The insured party is the vehicle operator (provozovatel) or any other driver operating the vehicle with the operator's consent; the policy conditions do not state a specific minimum driver age.
Claim notification deadline
Claims must be reported to Direct without undue delay via the claims line or online claim form; theft or robbery of the vehicle must specifically be reported within 3 days of discovery, and traffic accidents meeting legal criteria (injury, damage over 100,000 CZK, etc.) must also be reported to the police.
Bonus-malus rules
Direct applies a bonus/malus system based on the length of claim-free insurance history and the number of at-fault claims, verified primarily via the Czech Insurers' Bureau database or confirmation from a prior insurer; discounts of up to roughly 60% are achievable, bonuses/maluses can be transferred between family members and vehicle categories under certain conditions, and Direct guarantees not to change the bonus level or the premium for the insured risks for 3 years from the start of the contract.
Policy specifics
Legal assistance
Free legal counseling provided by Direct's law office for third-party injury claims
SourceMultiple coverage limit variants
Direct offers multiple limit variants: standard 50 million CZK health + 50 million CZK property (legally mandated), plus optional higher limits up to 250 million CZK per limit
SourceFour assistance service tiers (S, M, L, XL)
Direct offers assistance services in four tiers named by clothing sizes; basic tier S is included free with all policies
SourceNo deductible (spoluúčast) for third-party claims
Motor Third-Party Liability Insurance is written without deductible (spoluúčast) - insurer covers full liability up to limit
SourceBonus system for claim-free driving
Direct applies discounts (up to 60%) for customers with claim-free driving history; bonuses are transferable to family members
Source3-year price guarantee on insured risks
Direct commits not to increase insurance premium on specified insured risks for 3 years from contract start, and not to change bonus level set at conclusion
SourceFlexible contract termination
Direct allows policy termination by mutual agreement (dohodou) essentially at any time, unlike standard legal requirement of 6-week notice before renewal date
SourceSimplified online claims reporting
Policyholders may report claims online or by phone (270 270 777); confirmation issued within 2 days; 90% of cases resolved within 7 hours of receiving all documents
SourceGreen card delivered electronically
Direct issues temporary green card via email (valid 1 month) immediately after policy signing; annual green card with 1-year validity issued after payment
SourceMinimum annual premium
Minimum annual premium is 200 CZK; minimum installment on monthly/quarterly payment plans is 500 CZK
Source