Generali Motor third-party liability (Povinne Ruceni)
Underwritten by Generali Česká pojišťovna a.s. · Czech Republic
motor third-party liability insurance from Generali for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2025-05Sources
Key facts
- Generali
Unique selling points
24/7 roadside assistance hotline (1224 domestically, +420 241 114 114 from abroad), including a dedicated SMS channel for deaf clients.
EV-specific assistance covers towing to the nearest charging station and a technician callout for home wallbox faults.
Optional 'Přímá likvidace' add-on lets a not-at-fault driver have damage settled directly by Generali instead of claiming against the at-fault driver's insurer.
Windscreen repair by resin injection under the optional glass cover is provided with no deductible applied.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal defence costs (Právní náklady pojištěného)
Optional
Optional add-on to MTPL covering reasonably incurred legal defence costs (up to the customary non-contractual attorney fee) in preliminary proceedings, first-instance criminal proceedings, or equivalent administrative proceedings connected with an event in which the insured vehicle may have caused injury. The limit is set in the policy contract.
Green Card (proof of MTPL insurance)
Covered
The Green Card is a certificate confirming that MTPL cover is in place; it allows the insured vehicle to enter and be operated in the countries listed on it, and indicates in which states the MTPL cover is valid. It is issued at policy inception and renewed automatically before its expiry.
Roadside / breakdown assistance (Pojištění Asistence)
—
Optional add-on to MTPL or Casco, sold in tiers S / M / L / XL / Souprava. For vehicles up to 3.5t, the overall plan limit in the Czech Republic ranges from CZK 2,000 (variant S) up to unlimited (variant XL); abroad from CZK 4,000 (S) up to unlimited (XL); variant 'Souprava' (tow set) is capped at CZK 25,000/vehicle domestically and CZK 50,000/vehicle abroad. Vehicles over 3.5t use a separate, higher-limit table (S: CZK 5,000 domestic/CZK 10,000 abroad, up to unlimited for XL). Covers mechanic callout, towing, EV charging-station towing and wallbox technician callout, vehicle storage, replacement vehicle, replacement transport/accommodation, and legal assistance abroad, per the tier-specific limits.
Driver accident insurance (Úrazové pojištění řidiče)
Optional
Optional obnosové (benefit-based) add-on to MTPL or Casco covering the driver only, for death, permanent injury, or the necessary treatment period resulting from an accident occurring during operation of the insured vehicle. Sums insured are agreed in the policy contract.
Accident insurance for transported persons (Úrazové pojištění)
Optional
Optional obnosové (benefit-based) add-on to MTPL or Casco covering the driver and all persons transported in the insured vehicle, for death, permanent injury, or the necessary treatment period resulting from an accident occurring during operation of the vehicle. Sums insured are agreed in the policy contract.
Key conditions
Driver restrictions
ZPOV allows Generali to seek reimbursement from the insured of amounts already paid under MTPL in specific cases, for example where the insured drove without a valid driving licence, drove after consuming alcohol, or refused to submit to a test for its presence.
Claim notification deadline
The policyholder must notify Generali of a claim event without undue delay ('bez zbytečného odkladu'); the current (2025) general terms no longer specify a fixed number of days for this notification for motor liability claims (an earlier 2023 edition of the terms referenced a 30-day deadline).
Bonus-malus rules
Premiums reflect prior claims history using actuarial methods based on: (a) number of months the base insurance lasted, (b) number of claims events during that period, and (c) continuous duration of the base insurance. These inputs are considered only within the same insurance type (MTPL or Casco) and the same vehicle group (e.g. motorcycles; cars/trucks/special vehicles up to 3,500 kg; vehicles over 3,500 kg; semi-trailer tractors; buses/trolleybuses; tractors/self-propelled machines; trailers; other vehicles), using data no older than 20 years, and for MTPL only data taken from the Czech Insurers' Bureau database for domestic insurers.
Territorial scope
Coverage applies in the territory of EU Member States and other states forming the European Economic Area, in territories designated by the assembly of members of the Czech Insurers' Bureau, and in states marked on the Green Card.
Documents
General Insurance Terms and Conditions for Vehicle Insurance VPPPMV-R-11/2023 (opens in a new tab)
Terms & conditions · PDF
General Insurance Terms and Conditions for Vehicle Insurance VPPPMV-R-5/2025 (current) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document IPIDPMV-R-11/2023 (opens in a new tab)
Product information sheet · PDF
Policy specifics
Minimum liability coverage limit increase
Effective from 1 April 2024, the minimum liability coverage limit for motor third-party liability insurance was increased from CZK 35 million to CZK 50 million for both property damage and personal injury
SourceCompensable damages
Motor third-party liability insurance covers bodily injury, death, property damage, destruction or loss of property, and lost profits as determined by applicable legislation and the civil code
SourceSection: Často kladené dotazy > Co vše je z povinného ručení hrazeno?
Může být uhrazena újma na zdraví, usmrcení, poškození, zničení nebo ztráta věci a ušlý zisk.
Digital insurance verification (Green Card replacement)
As of 1 October 2024, proof of motor third-party liability insurance is verified digitally through the Czech Insurers' Bureau database instead of the traditional Green Card within Czech Republic
SourceTerritorial scope of coverage
Motor third-party liability insurance covers claims arising in EU Member States, countries in the European Economic Area, territories designated by Czech Insurers' Bureau, and countries marked on the Green Card
SourceDirect damage settlement capability
In case of accidents where Generali is the insurer of the at-fault driver, the insurer can settle claims directly with the injured party rather than requiring reimbursement claims
SourceVehicle operator liability principle
As of 1 October 2024, the vehicle operator (as registered in the vehicle registration or technical certificate) has the legal obligation to take out motor third-party liability insurance, not the vehicle owner
SourceNo retroactive policy inception
As of 1 October 2024, motor third-party liability insurance cannot be made effective retroactively; policies must commence on or after the date of application
SourceExpanded vehicle insurance requirements
Effective from 1 April 2024, motor third-party liability insurance now applies to additional vehicle categories: electric scooters, Segways, garden tractors, golf carts, and snowmobiles if they exceed 25 km/h or 14 km/h and weigh more than 25 kg
SourceClaims history limitation period
Effective from 1 April 2024, insurance premiums can only consider claims history from the past 20 years; older claims cannot be used in premium calculation
Source