HVP Motor third-party liability (Povinne Ruceni)

No-claims bonus of up to 60%.

Crew/driver accident insurance and basic roadside assistance are included free with every MTPL tier, not sold as a separate add-on.

Additional discounts available for members of volunteer fire brigades (SDH) and holders of the ZTP disability card.

Three selectable liability tiers for individual customers up to EXKLUZIV's 100 million CZK (twice the statutory minimum); a 150 million CZK PREMIUM tier is available for fleet insurance only.

Driver restrictions

Crew/driver accident cover does not apply to injuries suffered while driving without a valid licence (except learner drivers supervised by an authorised instructor), while banned from driving, or while under the influence of alcohol or drugs/medication with a driving prohibition; single-track (motorcycle) driving is also excluded from the crew accident add-on cover.

Claim notification deadline

The policyholder must notify the police without undue delay in case of injury/death, damage exceeding 100,000 CZK, damage to third-party property, damage to road infrastructure, or where normal traffic flow cannot otherwise be restored; the insurer must in general be notified of any insured event without undue delay, at the latest within 30 days of becoming aware of it.

Bonus-malus rules

A no-claims discount (bonus) up to 60% or a claims-history surcharge (malus) up to 50% is applied based on the policyholder's decisive period, sourced from the Czech Insurers' Bureau database; each claim event reduces the decisive period by 36 months.

Territorial scope

Covers insured events occurring in member states and in territories of states determined by the assembly of members of the Czech Insurers' Bureau (Green Card countries).