Kooperativa
Kooperativa is a motor third-party liability insurance for the CZ market with online purchase and 24/7 assistance.
Direct payment
In case of a not-at-fault accident, Kooperativa handles the claim directly on behalf of the insured with the at-fault party's insurer. The insured does not pay any amount to third parties; all payments to injured third parties are made directly by Kooperativa up to the agreed policy limit.
Geographic scope
Europe
Territories shown on the Green Card: EU member states, EEA states, and states designated by Česká kancelář pojistitelů (Czech Insurers' Bureau)
Unique selling points
- Coverage limit options up to 200 million CZK – one of the highest available on the Czech market – providing protection even in catastrophic multi-victim accident scenarios.
- Assistance program ZÁKLAD (mechanic, towing up to 50 km, vehicle storage) is included free with every MTPL policy, with paid upgrades to IDEÁL, MAX and MAX+ for more extensive services.
- Driver accident insurance (with basic limits) is automatically included at no extra charge with new policies at limits of 70/70 million CZK or higher.
- Online purchase and instant Green Card issuance by email, with short-term policies available from just 15 days for vehicle transport or temporary use.
- No-claims discount of up to 50% (bonus grade B10) for 10+ years of claim-free driving, with up to 35% discount advertised online combining all available discounts.
Coverage limits
Bodily injury liability
Covered
Covers bodily injury, death, and related financial losses caused to third parties by the operation of the insured vehicle. Available in five selectable limit tiers: 50, 70, 100, 150 and 200 million CZK per insured person. The limit applies per claimant.
Property damage liability
Covered
Covers property damage (including third-party vehicles, infrastructure, fences, etc.) caused to all claimants combined by the operation of the insured vehicle. Available in five selectable limit tiers: 50, 70, 100, 150 and 200 million CZK in aggregate across all claimants per event.
Legal defence
Excluded
Legal defence is not included as part of the base MTPL product. It is available as an optional add-on (pojištění právní pomoci / pojištění právní ochrany vozidla ZPP H-956/14 or H-959/14) at an additional premium.
Green Card (international insurance certificate)
Covered
A Green Card is issued as standard with every MTPL policy, serving as international proof of valid third-party liability insurance. It is valid in all states shown on the card, covering at minimum EU member states and EEA states. Since 2024 it is not required for driving within CZ but remains required for travel abroad.
Roadside assistance (asistenční program ZÁKLAD)
Covered
The assistance program ZÁKLAD is included free of charge with every MTPL policy. It covers: mechanic dispatch, towing up to 50 km in CZ and abroad (for havárie), vehicle storage up to 10 days in CZ. Enhanced tiers (IDEÁL, MAX, MAX+) are available as paid upgrades with higher limits and additional services. From the 70/70 million CZK limit tier, driver accident insurance is also automatically included.
Driver accident insurance
Conditional
Driver accident insurance (with basic limits) is automatically included free of charge with new MTPL policies with limits of 70/70 million CZK or higher. It covers bodily injury, permanent disability, and death resulting from a traffic accident. Higher limits are available as a paid add-on.
Passenger accident insurance
Optional
Accident insurance for passengers (persons transported in the vehicle) is available as an optional paid add-on. It covers bodily injury, permanent disability, death, and hospitalisation resulting from a traffic accident for all persons in the vehicle. Selectable limit tiers per seat: 50,000 to 1,000,000 CZK.
Key conditions
territorial_scope
The MTPL policy is valid in all territories shown on the Green Card, which unconditionally includes EU member states, EEA states, and states designated by the Czech Insurers' Bureau (Česká kancelář pojistitelů). The insured vehicle must be registered in the Czech Republic.
green_card_rules
The insurer is obliged to issue a Green Card to the policyholder within 15 days of a written request. Since January 2024, carrying a Green Card within the Czech Republic is no longer mandatory; however, it is still required when travelling abroad (minimum a duplicate; a PDF version is not sufficient). The Green Card is defined as the international certificate proving that an MTPL policy has been concluded for the vehicle.
driver_restrictions
The vehicle must be operated by a person holding a valid driving licence of the appropriate category. Driving under the influence of alcohol, narcotic substances, psychotropic substances, or medicines whose use prohibits driving voids or reduces coverage. If such circumstances exist, the insurer has the right to recover paid claims from the insured. Any person driving with a suspended or revoked licence is also excluded.
claim_notification_deadline
The insured must notify the insurer without undue delay of any accident (škodná událost), provide an explanation of the circumstances, and follow the insurer's instructions. Police must be called when: injury or death occurs; property damage to third parties exceeds CZK 100,000; any participant refuses cooperation. A joint accident record (Záznam o dopravní nehodě) must be submitted without undue delay where police attendance is not required. The insurer must complete the claim investigation within 3 months of the claim being filed.
bonus_malus_rules
Kooperativa applies a Bonus/Malus system that adjusts the premium based on the policyholder's claims history. The system has 17 levels: bonus grades B1 (5% discount, 12–23 months) through B10 (50% discount, 120+ months); base grade S (0%); and malus grades M1 (10% surcharge) through M6 (120% surcharge, 61+ months of negative history). For each claim where indemnity was paid, the achieved bonus level is reduced by two grades. Driving under the influence of alcohol or drugs causes the entire accumulated bonus to be forfeited and the qualifying period resets to zero months. The maximum discount offered (including Bonus/Malus) is up to 35% on the official website.
Policy specifics
Assistance program included
Kooperativa Povinné ručení includes an automatic assistance program covering vehicle towing, mechanical repair, and emergency services.
Territorial validity
Kooperativa Povinné ručení provides coverage on territories listed on the Green Card (EU Member States and designated countries).
Bonus/Malus system
Kooperativa applies a Bonus/Malus system that adjusts premium based on claims history; discounts for no claims up to 35%.
Short-term coverage option
Kooperativa Povinné ručení can be arranged for as short as 15 days, useful for vehicle transportation or temporary use.
Vehicle registration required
KOOP Motor requires the vehicle to be registered and assigned a registration number in the Czech vehicle register
Accident notification obligation
Policyholder must report any traffic accident to Kooperativa immediately and request police attendance in specific circumstances.
Valid driving license requirement
Vehicle must be operated by person with valid driving license category appropriate for vehicle type
Claims limitation period
Kooperativa Povinné ručení claims must be reported within the statutory limitation period defined by Czech law.
Agreed vehicle use category
Vehicle use category must match policy terms (private use, courier service, taxi, etc.)