Slavia pojišťovna a.s.
Slavia pojišťovna
Slavia pojišťovna is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Premium is due on the first day of each insurance period and may be paid in instalments if agreed. Discounts apply for annual payment (15%), semi-annual payment (7%), online communication, single-driver use, and CZ-only vehicle use.
Geographic scope
Czech Republic (nationwide)
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.
Unique selling points
- 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.
- Vehicle condition can be photo-documented before the policy starts using a dedicated mobile app (Google Play / App Store), simplifying future claims.
- 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.
Coverage limits
Bodily injury / death liability
CZK 50,000,000 – CZK 200,000,000
Combined limit for bodily injury/death, property damage and lost profit, ranging from 50/50 million CZK (START tier) to 200/200 million CZK (PREMIUM tier), with intermediate tiers KLASIK (70/70M), JISTOTA (100/100M) and JUBILEUM (150/150M).
Property damage liability
CZK 50,000,000 – CZK 200,000,000
Property damage limit shares the same combined per-tier figure as bodily injury: 50 million CZK (START) up to 200 million CZK (PREMIUM), with KLASIK (70M), JISTOTA (100M) and JUBILEUM (150M) in between.
Legal defence / representation costs
Covered
Reasonably incurred legal representation costs when asserting the victim's claim are included within the same overall liability limit; for property damage and lost-profit claims, these costs are covered only if the insurer's investigation deadline lapsed in vain or the insurer wrongly refused or reduced the indemnity.
Green Card
Covered
The Green Card is the international certificate confirming that MTPL cover has been arranged for the vehicle; it is issued automatically with the policy and its territorial scope follows the countries designated by the Czech Insurers' Bureau (ČKP).
Roadside assistance
Covered
Assistance is bundled with every MTPL tier at a level correlating with the liability tier: Asistence S (START), M (KLASIK and JISTOTA), XL (JUBILEUM) and VIP (PREMIUM). Benefits scale from organisation-only roadside/towing help (S) to unlimited-km domestic towing, unlimited vehicle recovery and up to 9 days replacement vehicle (VIP).
Driver accident insurance
CZK 100,000 – CZK 200,000
Only in KLASIK, JISTOTA, JUBILEUM, PREMIUM
Driver accident cover is included as a package component only from the KLASIK tier upward (not in START). Under DPP PUR, the base sums insured are 200,000 CZK for permanent injury and 100,000 CZK for death by accident; these sums can be increased up to five times (max. 1,000,000 CZK / 500,000 CZK respectively).
Passenger/crew accident insurance
Optional
Passenger (crew) accident insurance is a surcharged optional add-on and is explicitly excluded from the fixed package composition of every tier (only the VIP assistance upgrade and the crew accident add-on can be freely added/removed). When purchased, it follows the same DPP PUR benefit scale as driver accident cover (200,000 CZK permanent injury / 100,000 CZK death, up to 5x).
Key conditions
Territorial scope
MTPL (POV) covers events during the policy term in EU member states and 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 contract states otherwise.
Green card rules
The Green Card is issued automatically with the MTPL policy as the international certificate of cover; its practical territorial reach mirrors the countries designated by the ČKP and the EU member states covered by the policy.
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.
Where to buy
Policy specifics
Assistance services variants
Slavia offers multiple assistance service variants (Standard, Profi/Expert, Premium/VIP) bundled with different MTPL coverage tiers, ranging from basic roadside support to comprehensive assistance across Europe
SourceOptional supplementary coverages
Wide range of optional add-ons available with MTPL including: glass coverage, animal collision (wild animal damage), key loss/theft, vehicle theft, living accommodation abroad, and driver injury insurance
SourceTerritorial scope for MTPL
MTPL coverage applies to EU member states, European Economic Area countries, and territories designated on the green card, excluding Belarus, Russia, and Ukraine unless specifically noted in contract
SourceMTPL coverage limits by variant
Three main MTPL variants offered: ZÁKLAD (35M CZK health / 35M CZK property), JISTOTA (100M CZK health / 100M CZK property), JUBILEUM (150M CZK health / 150M CZK property)
Source