UNIQA Motor third-party liability (Auto A Pohoda Povinne Ruceni)
Underwritten by UNIQA pojišťovna, a.s. · Czech Republic
motor third-party liability insurance from UNIQA for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2025-10-01Sources
Unique selling points
Liability limits selectable up to 250 million CZK, well above the 50-million-CZK statutory minimum.
Free 24/7 'UNIQA asistence' roadside assistance included with every MTPL policy, with no separate purchase required.
Bonus discount of up to 50% for claims-free driving history, transferable from other insurers.
Optional 'Profík' direct settlement service handles claims directly with the at-fault party's insurer on the policyholder's behalf.
SafeLine telematics unit offers automatic crash detection and pay-as-you-drive premium adjustments based on actual mileage.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal minimum: CZK 60M
Legal defence / legal assistance cover ('Právník do auta')
CZK 500K
Legal assistance covering disputes related to traffic accidents, vehicle damage claims, disputes with repair shops, technical inspection stations, parking spaces, and related contractual disputes. 'Právník do auta' can be purchased as a standalone rider with an annual limit of 500,000 CZK domestically (20,000 EUR abroad); a lighter version of legal assistance is also bundled within the UNIQA asistence PLUS package.
Section: Část E – Pojištění asistenčních služeb > Tabulka č. 4 Právník do auta
Celkový roční limit pojistného plnění 500 000 Kč 20 000 €
Green Card (international insurance certificate)
Covered
A Green Card is issued as part of the MTPL policy and provides proof of cover valid in countries marked on the card. Cover under MTPL also applies in EU/EEA states and states designated by the Czech Insurance Bureau, and in states marked on the Green Card if issued.
Section: Kde se na mne vztahuje pojistné krytí?
Pojištění odpovědnosti se vztahuje na události, které nastanou na území členských států Evropské unie a jiných smluvních státech Dohody o Evropském hospodářském prostoru a na území států, která určí shromáždění členů České kanceláře pojistitelů, a dále na území států vyznačených na zelené kartě, byla-li vydána
Roadside / technical assistance ('UNIQA asistence')
Covered
Basic 'UNIQA asistence' (24/7, covering CZ/SK and abroad) is included free of charge with MTPL (or CASCO). It covers on-site repair, towing (unlimited for accidents in CZ/SK, limited to 50 km for breakdowns), vehicle storage, replacement transport/accommodation, key loss, flat tyre, dead battery, fuel issues, and vehicle theft, with limits varying by event type and territory (e.g. on-site repair up to 2,800 CZK / 150 EUR). An enhanced paid tier, 'UNIQA asistence PLUS' (optionally with SafeLine telematics), raises these limits substantially.
Section: Část E – Pojištění asistenčních služeb > Tabulka č. 1 – Technická asistence pro vozidla s hmotností do 3,5 t
Oprava na místě 2 800 Kč 1 800 Kč 150 € 150 € NEBO: Odtah z místa bez limitu 50 km do nejbližšího servisu do nejbližšího servisu
Driver personal accident cover
Optional
Accident insurance for the driver (permanent injury, death, hospitalisation) is an optional add-on ('Pojištění úrazu'). It can be purchased standalone if it covers the policyholder as driver, or otherwise must be combined with MTPL or CASCO. Limits are chosen by the customer in the policy.
Section: Část D – Doplňková pojištění > D7. Pojištění úrazu a poúrazové asistence
V případě úrazu pojistníka lze pojištění sjednat samostatně. V ostatních případech úrazového pojištění je pojištění možné sjednat pouze spolu s pojištěním odpovědnosti nebo některým z havarijních pojištění.
Passenger/all-occupant accident cover
Optional
Accident insurance can optionally be extended to cover all occupants of the vehicle (not just the driver), including a special variant for children under 18 (monthly annuity on death of a parent-driver, permanent injury cover, and daily hospitalisation benefit). Must be combined with MTPL or CASCO (except cover for the policyholder personally). Limits are chosen by the customer.
Section: Část D – Doplňková pojištění > D7. Pojištění úrazu a poúrazové asistence
Pojištění osoby na sedadle pojištěného vozidla specifikovaného v pojistné smlouvě, lze sjednat jako pojištění: a) řidiče; nebo b) všech osob ve vozidle.
Key conditions
Driver restrictions
The provided policy terms do not state specific age or licence-holding restrictions for MTPL; general exclusions apply (e.g. driving under the influence of alcohol/drugs, driving without required authorisation, use of the vehicle for a crime) as set out in the general policy exclusions.
Claim notification deadline
Claims must be reported without undue delay ('bez zbytečného odkladu'). The insurer must complete its investigation and notify the amount of compensation, or give reasons for rejection/reduction, within 3 months of notification; otherwise the policyholder may complain to the Czech National Bank.
Bonus-malus rules
UNIQA applies a Bonus/Malus system rewarding accident-free driving history with discounts of up to 50%; at the 100-million-CZK limit tier the first claim does not affect the bonus, and at the 150-million-CZK tier the premium is fixed for the entire contract term.
Territorial scope
Cover applies to events occurring in EU/EEA member states, states designated by the Czech Insurance Bureau, and states marked on the Green Card, if issued
Documents
Insurance Product Information Document (IPID) – Motor liability, CASCO and additional insurance (opens in a new tab)
Product information sheet · PDF
General Insurance Terms and Conditions UCZ/PVO/25 'Auto & pohoda' (effective 1.10.2025) (opens in a new tab)
Terms & conditions · PDF
General Insurance Terms and Conditions UCZ/PVO/24.2 'Auto & pohoda' (earlier version, effective 1.4.2024) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Liability limits for third-party liability
UNIQA Motor Third-Party Liability Insurance offers customizable liability limits ranging from minimum statutory 50 million CZK (for both property damage and health injuries) up to 250 million CZK for property and 250 million CZK for health damage in individual variants
SourceSection: Vyberte si z balíčků povinného ručení
Součástí individuální varianty je také možnost sjednat vyšší limity pojištění odpovědnosti až do výše 250/250 mil. Kč.
Included assistance services
Basic assistance services are included free with all Motor Third-Party Liability Insurance variants, providing 24/7 support across Europe. Extended assistance (PLUS) is available as an optional add-on for additional coverage and benefits
SourceSection: Asistenční služby > Asistenční služby k povinnému ručení
Pro vozidla do 3,5 t je k dispozici balíček UNIQA asistence, který zajišťuje nepřetržitou asistenční pomoc 24/7.
Claims settlement procedure
Not established from the insurer's documents
UNIQA provides direct settlement (service called 'profík') where the insurer directly resolves claims with the at-fault party's insurer, eliminating policyholder involvement in negotiations with the responsible insurer
SourceThird-party source, not the insurer's documentOptional add-on coverages
Motor Third-Party Liability Insurance can be extended with optional coverages including: glass insurance, baggage/cargo insurance, wheel and tire insurance, accident injury insurance for children, and legal assistance. SafeLine telematics device is also available
SourceSection: Doplňková pojištění > Doplňková pojištění k povinnému ručení
Základní PZP kryje škody jiným, ale doplňky chrání vás. Povinné ručení na auto si můžete vylepšit o:
Contract termination and notice requirements
MTPL can be terminated at the end of the insurance period (policy anniversary) with at least 6 weeks' notice; within 2 months of inception it can also be terminated without giving a reason
SourceSection: Jak změnit nebo vypovědět povinné ručení?
Nejčastěji se smlouva může vypovědět ke konci pojistného období. Výpověď však musíte podat nejpozději šest týdnů před jeho koncem (tzv. výročím smlouvy, tedy datem, kdy jste pojištění v minulosti sjednali). Pokud byste své povinné ručení chtěli vypovědět bez udání důvodu, máte na to dva měsíce od data uzavření smlouvy, pak už důvod uvést musíte.
Sources
- uniqa.czhttps://www.uniqa.cz/povinne-ruceni/(opens in a new tab)
- uniqa.czhttps://www.uniqa.cz/pro-media/aktuality/povinne-ruceni-vse-co-nem-potrebujete-vedet/(opens in a new tab)
- vwfs.czhttps://www.vwfs.cz/content/dam/bluelabel/valid/www-vwfs-cz/dokumenty-ke-stazeni/idp/uniqa-all-pojisteni-25-202601.pdf#page=10(opens in a new tab)
- vwfs.czhttps://www.vwfs.cz/content/dam/bluelabel/valid/www-vwfs-cz/dokumenty-ke-stazeni/idp/uniqa-all-pojisteni-25-202601.pdf#page=2(opens in a new tab)
- vwfs.czhttps://www.vwfs.cz/content/dam/bluelabel/valid/www-vwfs-cz/dokumenty-ke-stazeni/idp/uniqa-all-pojisteni-25-202601.pdf#page=35(opens in a new tab)
- vwfs.czhttps://www.vwfs.cz/content/dam/bluelabel/valid/www-vwfs-cz/dokumenty-ke-stazeni/idp/uniqa-all-pojisteni-25-202601.pdf#page=36(opens in a new tab)
- vwfs.czhttps://www.vwfs.cz/content/dam/bluelabel/valid/www-vwfs-cz/dokumenty-ke-stazeni/idp/uniqa-all-pojisteni-25-202601.pdf#page=45(opens in a new tab)
- vwfs.czhttps://www.vwfs.cz/content/dam/bluelabel/valid/www-vwfs-cz/dokumenty-ke-stazeni/idp/uniqa-all-pojisteni-25-202601.pdf#page=61(opens in a new tab)
UNIQA Motor third-party liability