Pojišťovna VZP, a.s.
PVZP
PVZP is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
For MTPL claims, PVZP pays compensation directly to the injured third party up to the agreed liability limit, rather than reimbursing the policyholder.
Geographic scope
Czech Republic
Valid in the Czech Republic and in all countries indicated on the green card, i.e. EU/EEA member states and further states designated by decree of the Ministry of Finance.
Unique selling points
- Policyholders can choose a liability limit well above the legal minimum, up to 250 million CZK.
- Basic roadside assistance and towing are bundled into the MTPL policy at no extra cost, with an optional unlimited-assistance upgrade.
- Combining MTPL with casco cover unlocks a discount and lets customers arrange both policies in one place.
- A wide range of optional riders (glass, natural hazards, theft, GAP, pet and passenger accident cover) can be attached to the base MTPL policy.
- The whole policy can be arranged fully online, with documents delivered by e-mail and claims reportable through a digital form.
Coverage limits
Bodily injury liability
CZK 75,000,000 – CZK 250,000,000
Covers compensation the policyholder must pay a third party for injury to health or death caused by operation of the insured vehicle, up to a liability limit chosen at inception of 75, 150 or 250 million CZK.
Property damage liability
CZK 75,000,000 – CZK 250,000,000
Covers compensation the policyholder must pay a third party for damage to, destruction of or loss of property caused by operation of the insured vehicle, plus lost profit, up to the same liability limit chosen at inception (75, 150 or 250 million CZK).
Legal representation costs
Covered
Reasonably incurred costs of the third party's legal representation when asserting a compensation claim are covered within the same overall liability limit chosen by the policyholder; no separate sub-limit is stated.
Green card
Covered
PVZP issues the policyholder a green card (international motor insurance card) confirming the MTPL cover; it is required when driving abroad and online verification/registration is available.
Driver accident cover
Optional
Injury sustained by the driver whose own vehicle caused the accident is excluded from the core MTPL liability cover, but can be covered by the optional accident insurance for transported persons rider, which may be arranged for the driver only.
Passenger accident cover
Optional
Optional obnosové (benefit-type) accident insurance can be added to the MTPL policy to pay out for permanent injury or death of persons travelling in the insured vehicle; available for vehicles with up to 9 seats.
Key conditions
Territorial scope
MTPL cover applies in the Czech Republic and in all territories shown on the green card (EU/EEA member states plus other states designated by the Ministry of Finance).
Green card rules
PVZP issues the green card without delay upon conclusion of the contract; it must be carried and presented when driving abroad, and online green-card services are available.
Driver restrictions
Cover applies to any driver the policyholder authorises to use the vehicle; PVZP may seek reimbursement from the driver for cases such as driving under the influence of alcohol or drugs, driving without a valid licence, or an unroadworthy vehicle.
Claim notification deadline
The claim must be reported to the insurer without undue delay, by phone, in writing, by e-mail, or online.
Bonus-malus rules
Premium is adjusted through a bonus/malus scale (levels M3 down to B10) based on up to 120 months of claims-free duration; every claim paid out shortens this decisive period by up to 24 months.
Policy specifics
Liability limit selection
Policyholder can choose among liability limits of 75 million CZK, 150 million CZK, or 250 million CZK
SourceThird-party damage coverage
Covers majority of costs for damage to property or health of third parties caused by the insured vehicle
SourceBonus-Malus system
Premium adjustments based on claims history; bonus for no-claims period, malus for previous claims
SourceTerritorial validity
Insurance coverage extends to Czech Republic and across Europe including European Turkey, excluding Belarus, Moldova, Russia, and Ukraine
SourceSupplementary coverage options
Optional add-ons include glass coverage, natural disasters coverage, and vehicle theft coverage
SourceAssistance services
Basic assistance services included; unlimited assistance available as optional add-on with no mileage or intervention limits
SourcePolicyholder obligations
Must answer insurance company questions truthfully during policy conclusion and changes; must report claims without delay; must inform of any policy-relevant changes
SourcePolicy termination conditions
Policy terminates by written notice within 3 months of claim reporting; notice period is 1 month; precise conditions detailed in full policy terms
SourceClaims reporting procedure
Claims must be reported to insurer promptly by phone, mail, email, or online; must provide documented proof of damage scope
SourceDispute resolution
Disputes arising from insurance contract resolved according to Czech law; governed by Act No. 89/2012 Coll. (Civil Code); jurisdiction of Prague courts
Source