Pillow pojišťovna, a. s.
Pillow
Pillow is a motor third-party liability insurance for the Czech Republic market with online purchase and limited assistance availability.
Direct payment
Premiums are paid by non-cash methods (bank transfer or, if agreed, direct debit) for the entire duration of the policy, in the payment frequency chosen by the client (annually, monthly, etc.). Paying the first premium in the correct amount and within the deadline is what causes the contract to take effect; if not paid in time, the insurance does not come into existence.
Geographic scope
Central Europe (Czech Republic)
Coverage applies across Europe and Turkey, excluding Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova and Russia. The Canary Islands (Macaronesia) do not geographically belong to Europe and are excluded. Coverage does not apply in territories where an armed conflict is taking place or which are not under the full control of the respective state's government.
Unique selling points
- Premium is calculated based on actual annual mileage, with overpayments refunded and only extra kilometres charged after year-end reconciliation, capped at 25,000 km/year.
- MTPL liability limits go up to 250 million CZK, five times above the legal minimum of 50 million CZK.
- Glass damage coverage is offered without a monetary limit, covering front, side, rear and roof/panoramic glass.
- Vehicle condition inspection at policy inception is done remotely via photos taken in the mobile app instead of requiring an in-person technician visit.
- Modular 'pillow' structure lets clients pick and pay for only the specific risks they want covered, with a policy document reduced to a single page.
Coverage limits
Bodily injury liability limit
CZK 70,000,000 – CZK 250,000,000
Only in 70 mil. Kč, 150 mil. Kč, 250 mil. Kč
When arranging the MTPL ('Povinné ručení') pillow, the client selects one of three liability limits: 70 million CZK, 150 million CZK, or 250 million CZK. This limit applies to bodily injury suffered by each individual injured person.
Property damage liability limit
CZK 70,000,000 – CZK 250,000,000
Only in 70 mil. Kč, 150 mil. Kč, 250 mil. Kč
The same selected limit (70, 150 or 250 million CZK) applies in aggregate to material/property damage caused to third parties within one insured event.
Legal assistance
Optional
No limit stated
Selectable 'Právní asistence' pillow providing advice on how to proceed after a traffic accident, during criminal/misdemeanour proceedings, or when buying/selling a vehicle. No monetary limit is publicly disclosed.
Green card
Covered
The green card is issued as confirmation of third-party liability insurance once the first premium payment is made, sent by email together with the contract draft, and remains valid for the whole policy period provided premiums are paid on time.
Roadside assistance
Conditional
Only in Odtah 50 km (MTPL 70 mil. Kč), Odtah v ČR neomezeně (MTPL 150 mil. Kč), Odtah i ze zahraničí (volitelné připojištění)
The 'Asistence' pillow is offered in several variants with unlimited vehicle extraction in all variants. The 'Odtah 50 km' variant is bundled with the 70-million-CZK MTPL tier ('Plus'), the 'Odtah v ČR neomezeně' (unlimited towing within Czechia) variant is bundled with the 150-million-CZK tier ('Premium'), and an 'Odtah i ze zahraničí' (towing incl. abroad) variant can be added separately regardless of tier.
Driver accident insurance
CZK 500,000
Optional 'Úraz' pillow provides basic accident insurance for the driver only, with a sum insured of 500,000 CZK for permanent disability and 500,000 CZK for accidental death; the exact benefit amounts depend on the chosen variant.
Passenger accident insurance
Excluded
Unlike some competitors, Pillow's accident pillow attached to MTPL insures only the driver and not all occupants of the vehicle.
Key conditions
Territorial scope
Coverage applies across Europe and Turkey, excluding Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova and Russia. The Canary Islands are excluded as not part of geographic Europe, and coverage does not apply in areas of armed conflict.
Green card rules
The green card, confirming valid third-party liability cover, is issued after payment of the first premium and sent by email together with the contract draft; it remains valid for the whole insurance period as long as premiums are paid on time.
Driver restrictions
Pojištění se vztahuje na jakéhokoli řidiče s platným řidičským průkazem, který s vozidlem způsobí škodu jiné osobě – pojišťovna hradí škodu bez ohledu na to, kdo vozidlo řídil. Pokud však řidič poruší podmínky (např. řídí pod vlivem alkoholu), pojišťovna sice újmu poškozenému uhradí, ale následně může regresně požadovat vrácení vyplaceného plnění po viníkovi.
Claim notification deadline
The policyholder must notify Pillow of a claim without delay, provide a truthful and complete description of the circumstances and extent of damage, and must report the incident to the police where required by law, always in cases of theft, vandalism, or collision with an animal.
Bonus-malus rules
Pricing depends on the client's claims history ('škodní historie'), the insured vehicle, and, for most vehicles, the estimated annual mileage; no publicly disclosed fixed bonus-malus class table is used.
Policy specifics
Mileage-based pricing
Premium calculation based on estimated annual mileage with annual reconciliation
SourceVehicle documentation requirement
Policyholder must provide photographic documentation of vehicle condition via mobile app
SourceMTPL tier linked assistance variant
The roadside assistance variant bundled free of charge with MTPL depends on the liability tier chosen: 'Odtah 50 km' with the 70-million-CZK tier ('Plus') and 'Odtah v ČR neomezeně' with the 150-million-CZK tier ('Premium'); an unlimited towing-abroad variant can be added for an extra fee at any tier.
SourceRepair network variant
Policyholder selects repair network tier at inception (authorized, non-branded, or combined)
SourceOdometer reading submission
Annual mileage verification via photographic proof of odometer reading
SourceDocumentation-dependent deductible
Standard 5,000 CZK deductible applies when vehicle photo documentation is complete and approved; 90% coinsurance applies until documentation received
Source