Extracted from source documents

Kooperativa Motor third-party liability (Povinne Ruceni)

Underwritten by Kooperativa pojišťovna, a.s., Vienna Insurance Group · Czech Republic

motor third-party liability insurance from Kooperativa for the Czech Republic market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2024-04-01Sources

Online purchase24/7 helpline

Unique selling points

Claims-free driving can earn a bonus discount of up to 50%, plus an additional 6% for holding multiple policies with KOOP.

For vehicles up to 3.5 tonnes, KOOP settles claims directly with its own client in the Czech Republic, regardless of which insurer covers the at-fault driver.

Premium is guaranteed not to increase for 3 years on MTPL policies with liability limits of at least 150/150 million CZK.

Short-term MTPL cover can be arranged for as little as 15 days, ideal for vehicle transport or temporary use.

Customers can choose liability limits up to 200 million CZK, well above the statutory 50 million CZK minimum.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

CZK 50M – CZK 200M

Legal minimum: CZK 50M

Optional

Legal expenses / legal assistance cover

Optional

Legal assistance is not part of the base MTPL policy. It is available as a separate optional add-on product (Pojištění právní pomoci) covering legal representation costs, court fees, and bail loans related to the insured vehicle, sold alongside MTPL or CASCO.

Page 40

Section: Pojištění právní pomoci > 1. Co pojišťujeme

Pojišťujeme náklady, které Vám coby pojištěnému vzniknou na ochranu Vašich právních zájmů, které budou bezprostředně souviset s vozidlem uvedeným ve smlouvě.

Covered

Green card / international coverage certificate

Covered

Confirms MTPL coverage for driving abroad within EU/EEA and other states recognized under the green card system. Since 1 October 2024 the physical green card document is no longer issued or required and is replaced by online registration in the Czech Insurers' Bureau (ČKP) database.

A co víc. Pojištění platí i v zahraničí (rozsah zemí najdete na zelené kartě) a díky asistencím, které máte zdarma v rámci povinného ručení, vám pomůžeme, i když vaše auto zůstane stát u krajnice.

Covered

Roadside assistance

Covered

The basic assistance programme ZÁKLAD is included in the price of every MTPL policy; extended assistance packages (IDEÁL, MAX, MAX+) can be added for an extra premium.

Kooperativa asistence v ceně. V ceně povinného ručení máte automaticky asistenční program ZÁKLAD.

Conditional

Driver accident insurance

Conditional

Included free of charge with new MTPL contracts carrying liability limits of at least 70/70 million CZK; for new contracts below that limit, driver accident insurance is available only as a separate optional add-on (Úrazové pojištění) sold alongside MTPL or CASCO.

Section: Úraz řidiče v ceně

Úraz řidiče v ceně. K nové smlouvě povinného ručení s limity pojistného plnění od 70/70 mil. Kč.

Optional

Passenger accident insurance

Optional

Not included in base MTPL; passengers can be covered under the same optional Úrazové pojištění add-on if agreed in the policy.

Page 14

Section: Úrazové pojištění > 2. Koho pojišťujeme

2) Mohou to ale být i další cestující, když se na tom předem domluvíme ve smlouvě.

Key conditions

Driver restrictions

The insurer pays the injured third party for bodily injury, death or property damage caused by the insured vehicle, but has a right of recourse (regres) against the driver or insured to reclaim the amount paid if the vehicle was driven without a valid driving licence, under the influence of alcohol or drugs, or during a driving ban; no specific driver age or experience restriction is otherwise stated for MTPL.

SourceClause Článek 14

Section: Všeobecné pojistné podmínky pro pojištění odpovědnosti za újmu způsobenou provozem vozidla R-630/14 > Článek 14 Právo pojistitele na úhradu vyplacené částky

Pojistitel má proti pojistníkovi nebo pojištěnému právo na úhradu toho, co za něho plnil, v případech uvedených v zákoně POV nebo stanovených níže.

Claim notification deadline

The policyholder/insured must notify the insurer of a claim without undue delay (bez zbytečného odkladu); no fixed number of days is specified in the current general terms.

Bonus-malus rules

Bonus/malus grades range from B10 (50% discount after 120+ claims-free months) down to M6 (120% surcharge after 61+ months with claims). Kooperativa also guarantees an unchanged premium for the first 3 years if no claims occur, and offers an additional 6% discount for holding multiple policies.

Territorial scope

Coverage applies to damage caused by the insured vehicle in EU/EEA member states and other states listed under the green card system; a physical green card is no longer required as of 1 October 2024, replaced by online registration in the ČKP database.

Documents

Vehicle insurance terms and conditions A-001 (effective from 1 April 2024) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Basic assistance services

Free basic assistance program included with motor liability insurance (ZÁKLAD package) covering roadside assistance

Source

V ceně povinného ručení máte automaticky asistenční program ZÁKLAD.

Minimum coverage limits

Legal minimum coverage limits as of 2024 reform: minimum 50/50 million CZK for health/property damage; KOOP offers variants from 50 to 200 million CZK

Source

Section: Obsah pojištění

LIMITY POJISTNÉHO PLNĚNÍ za újmu na zdraví nebo na životě / za škody na věci nebo ušlém zisku (v milionech Kč) 50/50 70/70 100/100 150/150 200/200

Direct claims settlement at insurer

For passenger and light commercial vehicles up to 3,500 kg, KOOP settles the claim directly with its own client, regardless of which insurer covers the at-fault driver.

Source

Short-term policies available

Motor liability insurance can be arranged for minimum period of 15 days; useful for vehicle transport or temporary use

Source

Territorial scope

Coverage applies in EEA member states and countries listed on green card; marked on green card international insurance document

Source

A co víc. Pojištění platí i v zahraničí (rozsah zemí najdete na zelené kartě)

Mandatory accident reporting

Insured must report a traffic accident to KOOP; police must be called whenever there is injury or death, any damage to third-party property, damage to any vehicle exceeding 100,000 CZK, or when a party refuses to cooperate

Source

Section: Časté dotazy

K dopravní nehodě musíte přivolat Policii ČR vždy, když dojde ke zranění či úmrtí, vznikne škoda na majetku třetí osoby (například poškození dopravní značky nebo plotu), škoda na některém z vozidel přesáhne 100 000 Kč nebo když některý z účastníků odmítá spolupracovat při sepisování záznamu o nehodě.

KOOP insurer code

KOOP insurer code: CZ-0010; IČO: 47116617; Vienna Insurance Group subsidiary

Source

Policy cancellation terms

Standard termination at end of policy period (notice required 6 weeks before); early termination within 2 months of policy inception (8 days after notice); termination within 3 months after claim event (1 month after notice)

Source

Section: Časté dotazy

Smlouvu vypovězte šest týdnů před koncem pojistného období.

Premium payment frequency

Premium payment frequency can be set flexibly (quarterly, annually, or other periods); no requirement for full-year commitment

Source

Section: Časté dotazy

Placení povinného ručení může být flexibilní. Pojišťovny obvykle nabízejí možnost platit pojistné ročně, pololetně, čtvrtletně nebo měsíčně.

Sources

Kooperativa Motor third-party liability

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