Slavia pojišťovna Motor third-party liability (Pojisteni Vozidel Pov)

Top PREMIUM tier offers liability limits up to 200 million CZK for both bodily injury and property damage, well above the statutory minimum.

No requirement to use a contracted repair shop, giving policyholders free choice of garage for repairs.

Glass-damage claims can typically be settled without a physical vehicle inspection, using only client-supplied photo documentation.

Up to 15% discount for annual payment plus additional discounts for single-driver use, CZ-only driving and online communication.

Driver restrictions

The insurer has a right of recourse against the insured (not against the injured third party) where the driver lacked a valid licence, drove while banned from driving, was under the influence of alcohol or drugs, or refused a police sobriety test without good reason; these exclusions do not apply in the case of vehicle theft.

Claim notification deadline

The policyholder/insured must notify a claim event without undue delay via the insurer's website, phone line or in writing. If the investigation cannot be concluded within three months of notification, the insurer must explain why and, on request, provide the reasons in writing.

Bonus-malus rules

Bonus/malus is based on the claims-free duration recorded in the ČKP database. Discounts range from B1 (5%) to B10 (50%) for increasing claims-free periods; surcharges range from M1 (5%) to M6 (150%). Each claim in a policy period reduces the claims-free duration by 36 months.

Territorial scope

MTPL cover applies to events occurring in EU member states and any states designated by the Czech Insurers' Bureau (ČKP); supplementary covers apply across the geographic territory of Europe and Turkey, excluding Belarus, Russia and Ukraine, unless the policy states otherwise.