Direct Motor third-party liability (Mtpl Standard)
Underwritten by Direct pojišťovna, a.s. · Czech Republic
motor third-party liability insurance from Direct for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2022-11-01Sources
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal minimum: CZK 50M
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.
Section: Povinné ručení > 7. Služba Průvodce škodou na zdraví
Nabídneme vám také kontakt na advokáta, se kterým můžete svou situaci probrat.
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.
Section: Na co se nejvíce ptáte? > Co je zelená karta (a kdy mi přijde)?
Zelenou kartu vám pošleme e-mailem ihned po vzniku pojištění a současně ji najdete i v Direct appce nebo v klientské zóně.
Roadside assistance (basic tier included, higher tiers optional)
CZK 3K – CZK 30K
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.
Section: Asistenční služby > 9. Rozsah asistenčních služeb pro vozidla do 3,5 tuny
3 000 Kč (odtah do nejbližšího servisu) 6 000 Kč
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.
Section: Doplňková pojištění > 8. Úrazové pojištění řidiče
Pojištění úrazu řidiče se řídí stejnými podmínkami jako Úrazové pojištění řidiče a cestujících. Jediný rozdíl je v tom, že v tomto pojištění je pojištěnou osobou pouze řidič vozidla, které je uvedené v pojistné smlouvě.
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.
Section: Doplňková pojištění > 7. Úrazové pojištění řidiče a cestujících
Pokud se někdo včetně řidiče (dále jen „pojištěné osoby“) v pojištěném vozidle při jeho provozu zraní, zaplatíme mu částku odpovídající trvalým následkům, které po úrazu má.
Key conditions
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.
Territorial scope
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.
Documents
Policy specifics
Legal assistance
Free legal counseling provided by Direct's law office for third-party injury claims
SourceSection: Jaké jsou další výhody povinného ručení od Directu? > Právní rady zdarma
Naši právníci vám zdarma poradí, jak postupovat, když vás někdo zraní při dopravní nehodě.
Multiple 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
SourceSection: Proč si nastavit vyšší limit?
U Directu máte v základu 50 milionů, ale můžete si nastavit limit až 250 milionů.
Four 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
SourceSection: Kdy asistence pomůže?
U nás si můžete vybrat ze 4 variant asistencí.
No 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
SourceSection: Když chcete něco navíc
Pro všechny . 3 roky vám nezdražíme pojištění u sjednaných rizik. Zároveň nebudeme měnit ani bonus stanovený při sjednání smlouvy.
Flexible 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
SourceSection: Na co se nejvíce ptáte? > Jak můžu zrušit pojištění?
Od nás můžete odejít kdykoliv. Zrušení pojištění provedete jednoduše přes náš online formulář.
Simplified 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
SourceSection: Když už se něco stane
Škodu nahlašte jednoduše online nebo volejte na 270 270 777.
Green 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
SourceSection: Na co se nejvíce ptáte? > Co je zelená karta (a kdy mi přijde)?
Zelenou kartu vám pošleme e-mailem ihned po vzniku pojištění a současně ji najdete i v Direct appce nebo v klientské zóně.
Minimum annual premium
Minimum annual premium is 200 CZK; minimum installment on monthly/quarterly payment plans is 500 CZK
SourceSources
- direct.czhttps://www.direct.cz/auto/povinne-ruceni(opens in a new tab)
- direct.czhttps://www.direct.cz/document/download/ppa.pdf#page=15(opens in a new tab)
- direct.czhttps://www.direct.cz/document/download/ppa.pdf#page=26(opens in a new tab)
- direct.czhttps://www.direct.cz/document/download/ppa.pdf#page=27(opens in a new tab)
- direct.czhttps://www.direct.cz/document/download/ppa.pdf#page=39(opens in a new tab)
Direct Motor third-party liability