Kooperativa pojišťovna, a.s., Vienna Insurance Group
Kooperativa
Kooperativa is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For personal and light commercial vehicles up to 3,500 kg, Kooperativa settles the claim directly with its own insured party in the Czech Republic, without waiting for reimbursement from the at-fault driver's insurer.
Geographic scope
European Union and European Economic Area member states, plus other states designated by the Czech Insurers' Bureau (ČKP) under the green card system
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.
Unique selling points
- Claims-free driving can earn a bonus discount of up to 35%, 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 unchanged for the first 3 years of the policy as long as no claims occur.
- 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
Bodily injury / death liability limit
CZK 50,000,000 – CZK 200,000,000
Per-injured-party limit for compensation of bodily injury or death caused by the insured vehicle. Customers can select limits from the statutory minimum of 50 million CZK up to 200 million CZK; 150/150 million CZK is the standard limit offered to most customers.
Property damage liability limit
CZK 50,000,000 – CZK 200,000,000
Aggregate limit for all property damage claims combined, regardless of the number of injured/damaged parties. Customers can select limits from the statutory minimum of 50 million CZK up to 200 million CZK; 150/150 million CZK is the standard limit offered to most customers.
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.
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.
Roadside assistance
Conditional
Kooperativa's public product page for MTPL advertises a free basic assistance package (program ZÁKLAD) bundled with every povinné ručení policy, while the current general terms and conditions (A-001, effective 1.4.2024) structure vehicle assistance as a separate doplňkové pojištění with its own terms (H-390/19), sold alongside the main policy. Extended assistance tiers (IDEÁL, MAX, MAX+) are purchased separately for an additional fee.
Driver accident insurance
Optional
Not included in base MTPL; available as a separate doplňkové pojištění (Úrazové pojištění) covering the driver for bodily injury sustained in a traffic accident, sold alongside MTPL or CASCO.
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.
Key conditions
Territorial scope
Coverage applies within EU/EEA member states and other states determined by the Czech Insurers' Bureau under the green card system.
Green card rules
A physical green card is no longer issued or required as of 1 October 2024; validity of MTPL abroad is now verified via online registration in the ČKP database.
Driver restrictions
The insurer may reduce or refuse indemnity if the vehicle was driven by a person without a valid driving licence, under the influence of alcohol or drugs, or subject to a driving ban; no specific driver age or experience restriction is otherwise stated for MTPL.
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.
Policy specifics
Basic assistance services
Free basic assistance program included with motor liability insurance (ZÁKLAD package) covering roadside assistance
SourceMinimum 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
SourceBonus/Malus claims history discount
Discount system based on claims-free history; discount up to 35% for no accidents; additional 6% multi-policy discount
SourceDirect claims settlement at insurer
For personal and cargo vehicles up to 3,500 kg, KOOP settles claims directly without requiring reimbursement from other insurer, regardless of other insurer's insurer
SourceShort-term policies available
Motor liability insurance can be arranged for minimum period of 15 days; useful for vehicle transport or temporary use
SourceTerritorial scope
Coverage applies in EEA member states and countries listed on green card; marked on green card international insurance document
SourceMandatory accident reporting
Insuree must report traffic accident to KOOP within required timeframe; police must be called for accidents with injuries, third-party property damage >100k CZK, or when parties refuse cooperation
SourcePolicy 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)
SourcePremium payment frequency
Premium payment frequency can be set flexibly (quarterly, annually, or other periods); no requirement for full-year commitment
Source