Generali Česká pojišťovna
Generali Česká pojišťovna is a motor third-party liability insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
Direct settlement (Přímá likvidace) is available as an optional add-on to MTPL. When the insured vehicle is hit by another vehicle whose driver is fully at fault, the insurer settles the damage directly with the insured on behalf of the at-fault party's insurer, including repair at a contracted workshop and rental of a replacement vehicle for up to 30 days.
Geographic scope
CZ
Territory of EU/EEA member states and other states designated by the Czech Insurers' Bureau assembly; states marked on the green card
Unique selling points
- Highest available liability limits on the Czech market — up to CZK 300 million for both bodily injury and property damage, well above the statutory minimum of CZK 50 million.
- Claims paid within 5 days of submitting all required documents, faster than the statutory 15-day deadline — applicable to 95% of vehicle and property claims according to Generali's own statistics.
- Up to 55% no-claims discount for accident-free driving, rewarding loyal and safe policyholders with significant premium reductions.
- Online policy issuance with immediate coverage from the moment of payment, managed through the Moje Generali mobile app including digital green card display, claims reporting and assistance call.
- Optional price guarantee add-on locks in the premium for up to 3 years — including in the event of a first claim — providing budget certainty not typically offered by competitors.
Coverage limits
Bodily injury and death liability
Covered
Covers liability for bodily injury or death caused to third parties by the operation of the insured vehicle. The minimum limit is set by law (ZPOV) at CZK 50 million per injured or killed person. Policyholders may choose higher limits of 50, 100, 150, 200 or 300 million CZK.
Property damage liability
Covered
Covers liability for property damage caused to third parties by the operation of the insured vehicle. The minimum limit is set by law (ZPOV) at CZK 50 million regardless of the number of injured parties. Policyholders may choose higher limits of 50, 100, 150, 200 or 300 million CZK.
Legal costs of the insured
Optional
Optional add-on to MTPL covering legal costs incurred by the insured in preparatory criminal proceedings, first-instance criminal court proceedings, or comparable administrative proceedings arising from an accident caused by the operation of the insured vehicle. The limit is agreed in the policy contract.
Green card (international motor insurance certificate)
Covered
The green card is issued with every MTPL policy and serves as proof of insurance. It enables the insured vehicle to operate in the territories of states listed on the card. As of 1 January 2025 it may also be presented in electronic form abroad. In the Czech Republic, authorities verify coverage directly via the Czech Insurers' Bureau (ČKP) database.
Roadside assistance
Optional
Optional add-on to MTPL available in variants S, M, L, XL and Souprava (trailer). Covers immobilisation of the insured vehicle due to accident, breakdown, theft, vandalism, or natural events, 24/7 in the Czech Republic and abroad (Europe and Turkey, excluding certain countries). Services include mechanic callout and on-site repair, towing, vehicle repatriation, replacement vehicle, accommodation, and passenger transport. Total limits per claim range from CZK 2,000 (variant S, domestic) to unlimited (variant XL).
Driver accident insurance
Optional
Optional add-on to MTPL (variant 'Úrazové pojištění řidiče'). Covers the driver in the event of bodily injury, permanent disability or death caused by an accident during the operation of the insured vehicle. Benefit amounts for death, permanent consequences and necessary treatment period are agreed in the policy contract.
Passenger accident insurance
Optional
Optional add-on to MTPL (variant 'Úrazové pojištění'). Covers the driver and all passengers in the insured vehicle for bodily injury, permanent disability or death caused by an accident during vehicle operation. Benefit amounts for death, permanent consequences and necessary treatment period are agreed in the policy contract and apply to each insured person separately.
Key conditions
territorial_scope
MTPL covers claims arising in the territory of EU/EEA member states and other states designated by the assembly of the Czech Insurers' Bureau (ČKP), as well as states listed (not crossed out) on the green card. In the Czech Republic, proof of insurance is verified electronically via the ČKP database; a physical green card is not required domestically. Since 1 January 2025 an electronic green card is also accepted abroad.
green_card_rules
A green card is issued to the policyholder upon concluding MTPL insurance and is renewed before expiry. It certifies the existence of valid MTPL coverage and is required at roadside checks abroad. As of 1 January 2025, the green card may be presented in electronic form in foreign countries. In the Czech Republic, police and authorities verify coverage directly via the ČKP online database, eliminating the need for a physical document domestically.
driver_restrictions
The insurer may seek recourse against the insured in cases specified by ZPOV, including: driving without a valid licence, driving under the influence of alcohol or other substances, refusing a sobriety test, or using the vehicle for illegal activities. The insurance covers liability of any person operating the insured vehicle with the policyholder's consent.
claim_notification_deadline
The insured must notify the insurer of a loss event without undue delay (bez zbytečného odkladu). In cases not requiring police attendance, the insured must complete and submit a joint accident record. Within 30 days of discovering the loss, the insured must notify the insurer. The insurer must begin investigation without undue delay and complete it within 3 months; if this is not possible, it must inform the claimant of the reasons. Payment is due within 15 days of concluding the investigation.
bonus_malus_rules
The insurer applies a bonus/malus system based on the claims-free period (rozhodná doba). Each claim event reduces the decisive period by 24 months; the decisive period is measured in completed months of uninterrupted insurance. Discounts (bonus) range from 27% (12–23 months) up to 55% (132+ months), while surcharges (malus) range from 25% (M1) to 150% (M5). The system is not applied to policies with a term shorter than 12 months. Confirmed claims-free history from other Czech or foreign insurers can be transferred within the same vehicle category.
Where to buy
Documents
VPPPMV-R-5/2025 — Všeobecné pojistné podmínky pro pojištění vozidel (retail, May 2025) including IPID, pre-contractual info and accident valuation tables
terms_and_conditions
VPPPMV-R-11/2023 — Všeobecné pojistné podmínky pro pojištění vozidel (retail, November 2023) including IPID IPIDPMV-R-11/2023
terms_and_conditions
VPPPMV-F-12/2023 — Všeobecné pojistné podmínky pro pojištění vozidel (fleet, December 2023) including IPID IPIDPMV-F-12/2023
terms_and_conditions
Generali Česká pojišťovna — MTPL product landing page
other
Generali Česká pojišťovna — MTPL regulatory changes information page (ZPOV 2024)
other
Policy specifics
Minimum liability limits
As of 1 April 2024, minimum limits increased from 35/35 million CZK to 50/50 million CZK (for bodily injury and property damage respectively)
Optional coverage limits
Policyholders can choose coverage limits of 50, 100, 150, 200, or 300 million CZK
Geographical validity
Insurance covers claims in EU Member States and other territories with green card agreements; as of 1 October 2024, digital verification replaces physical green cards in Czech Republic
Assistance services
Assistance services are available as an optional add-on to MTPL in variants S, M, L, XL and Souprava, providing roadside assistance in case of breakdown, accident, or other vehicle-related issues.
No retroactive policy inception
As of 1 October 2024, policies cannot be created retroactively; insurance must be in force before the vehicle is used
Vehicle operator responsibility
Insurance obligation transferred from vehicle owner to vehicle operator (person listed as operator in vehicle registration or technical certificate)
Real-time policy registration
All insurers must transmit policy information to Czech Insurers' Bureau (ČKP) in real-time, with insurance becoming effective immediately upon payment
Claims payment timeline
Compensation for damage is typically paid within 5 days of submitting all required documentation