Hasičská vzájemná pojišťovna, a.s.
HVP
HVP is a motor third-party liability insurance for the Czech Republic market with no online purchase and 24/7 assistance.
Direct payment
Nebyla nalezena informace, že by HVP nabízela samostatnou službu "přímé likvidace" (výplata škody vlastní pojišťovnou poškozeného bez čekání na pojišťovnu viníka) k povinnému ručení. Odborné zdroje uvádějí, že tuto službu v ČR aktivně nabízejí jen některé větší pojišťovny, HVP mezi nimi zmíněna není.
Geographic scope
Europe (EU/EEA member states and countries designated by the Czech Insurers' Bureau)
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).
Unique selling points
- No-claims bonus of up to 60%, among the highest available on the Czech market.
- 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.
- Four selectable liability tiers up to PREMIUM's 150 million CZK ceiling, three times the current statutory minimum.
- MTPL and CASCO can be combined on a single contract so a claim can be settled from whichever cover applies, while each can also be purchased standalone.
Coverage limits
Bodily injury / death liability limit (per injured person)
CZK 50,000,000 – CZK 150,000,000
Per-injured-person limit for bodily injury or death claims, including recoverable health-insurer costs and related regress claims: STANDARD 50,000,000 CZK, NADSTANDARD 70,000,000 CZK, EXKLUZIV 100,000,000 CZK, PREMIUM 150,000,000 CZK.
Property damage / loss of profit liability limit (aggregate)
CZK 50,000,000 – CZK 150,000,000
Aggregate limit regardless of the number of claimants for property damage, loss of profit and animal veterinary costs: STANDARD 50,000,000 CZK, NADSTANDARD 70,000,000 CZK, EXKLUZIV 100,000,000 CZK, PREMIUM 150,000,000 CZK; if claims exceed the limit, payouts are reduced proportionally among claimants.
Legal representation costs
Covered
Usefully incurred costs of legal representation in asserting claims are covered up to the non-contractual attorney's fee rate, within the same overall liability limit (not a separate cap).
Green Card / cross-border validity
Covered
MTPL cover extends beyond Czechia to all EU/EEA member states and other states determined by the Czech Insurers' Bureau (Green Card system).
Basic roadside assistance
Covered
Every MTPL policy includes basic assistance services provided by the insurer's contracted assistance company; extended assistance packages can be added for an additional premium.
Driver accident (crew injury) insurance
CZK 100,000 – CZK 200,000
Basic accident insurance for the driver is included free with every MTPL type, regardless of tier: 100,000 CZK for death from accident, 200,000 CZK for permanent injury consequences; can be increased via the optional supplementary passenger/driver accident insurance (NP/04, Art. 8).
Passenger/crew accident insurance
CZK 100,000 – CZK 200,000
Basic accident insurance for the crew/passengers of the insured vehicle is included free with every MTPL type: 100,000 CZK for death from accident, 200,000 CZK for permanent injury consequences per person; only one payout applies if a supplementary passenger accident insurance is also in force.
Key conditions
Territorial scope
MTPL cover applies to insured events occurring in EU/EEA member states and other states designated by the assembly of members of the Czech Insurers' Bureau (i.e., Green Card countries).
Green card rules
The policy functions as proof of insurance (Green Card system) valid across the EEA and other reciprocal states; territorial validity is limited to Europe including Turkey under the supplementary conditions.
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.
Policy specifics
Liability limits - Standard tier
Standard coverage tier offers liability limits of 35 million CZK for damages to property and health per insured party
SourceIncluded injury insurance for vehicle occupants
Basic accident injury insurance for vehicle driver and passengers is included free with MTPL coverage
SourceBonus/Malus claims history system
Czech MTPL regulations require insurers to apply bonus/malus (discount/penalty) system based on insured's claims history
SourceGreen Card (International Certificate of Insurance)
Physical green card was historically required for cross-border travel but 2024 law reforms allow digital transmission for domestic use
SourceTerritorial validity - Europe-wide coverage
MTPL policy valid across European Economic Area, Switzerland, and countries listed on Green Card
Source