Wüstenrot pojišťovna a.s.
Wüstenrot
Wüstenrot is a motor third-party liability insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Wüstenrot preferuje výplatu pojistného plnění převodem na účet klienta (peníze do několika dnů po ukončení šetření) a ve většině autoopraven umožňuje bezhotovostní úhradu opravy tzv. krycím dopisem, kdy opravna se souhlasem klienta požádá pojišťovnu o úhradu a fakturu zašle elektronicky přímo pojišťovně.
Geographic scope
Czech Republic
Assistance and liability cover apply within the Czech Republic and other European countries where the Green Card system is valid.
Unique selling points
- Accelerated bonus system: 30% no-claims discount after just 2 years, rising to a market-leading maximum of 60% after 10 years.
- Newly concluded ProAuto policies can be terminated by mutual agreement at any time, unlike most competitors who require notice tied to the policy anniversary.
- Wüstenrot was the first insurer on the Czech market to price MTPL by engine power rather than engine volume, benefiting low-power/high-volume vehicles.
- Multibonus lets policyholders extend their earned no-claims discount to up to three additional household vehicles.
- Free basic roadside assistance is included with every ProAuto policy, covering accidents, breakdowns, theft and vandalism across the Czech Republic and Europe.
Coverage limits
Bodily injury liability limit
Not established from the insurer's documents
ProAuto is offered in two liability limit variants: a basic limit of 35 million CZK and an increased limit of 70 million CZK, each applying to both property damage and personal injury/death.
Property damage liability limit
Not established from the insurer's documents
ProAuto is offered in two liability limit variants: a basic limit of 35 million CZK and an increased limit of 70 million CZK, each applying to both property damage and personal injury/death.
Legal protection
Not established from the insurer's documents
Legal protection is included free of charge together with assistance services on Czech and Slovak territory; no separate coverage amount is stated.
Green Card
Not established from the insurer's documents
The Green Card is issued automatically and sent by email within minutes of policy conclusion, valid in the countries covered by the Green Card system.
Roadside assistance
Not established from the insurer's documents
Basic assistance services are included free with ProAuto and cover accidents, breakdowns, theft and vandalism in the Czech Republic and Europe; extended assistance services are available as an optional add-on for 300 CZK/year.
Driver accident
Not established from the insurer's documents
SourceThird-party source, not the insurer's documentPassenger accident
Not established from the insurer's documents
SourceThird-party source, not the insurer's documentKey conditions
Territorial scope
Assistance services and liability cover apply on the territory of the Czech Republic and Europe, in countries where the Green Card is currently valid.
Green card rules
The Green Card is issued automatically upon conclusion of the policy and sent to the client by email within minutes.
Bonus-malus rules
ProAuto features accelerated bonus accrual: 30% bonus after 2 years without an at-fault accident, rising to a maximum 60% after 10 years (120 months) without an accident; bonuses earned at a previous insurer can be transferred.
Documents
Reference to ProAuto motor vehicle insurance terms (PP WPA POV 2015/01, DPP WPA AS 2015/01) on a comparison site — no direct official PDF link found
Other document
Policy specifics
Liability coverage limits
Not established from the insurer's documents
ProAuto offers two variants: basic limit 35/35 million CZK and increased limit 70/70 million CZK for property and personal injury damages
SourceThird-party source, not the insurer's documentAssistance services
Not established from the insurer's documents
Basic assistance services included free with ProAuto coverage. Extended services available for additional fee (300 CZK/year). Services cover accidents, vehicle breakdowns, theft, vandalism on Czech and European territory
SourceThird-party source, not the insurer's documentBonus/Malus system
Not established from the insurer's documents
ProAuto features accelerated bonus accrual: 30% bonus after 2 years without accident, maximum 60% after 10 years (120 months) without accident. This is more generous than Czech market standard (usually 6 years for 30%)
SourceThird-party source, not the insurer's documentOptional add-on coverages
Not established from the insurer's documents
ProAuto allows addition of: unbroken windscreen glass coverage (10% deductible, min 500 CZK; 50% in first 3 months, min 1000 CZK), passenger injury insurance (200,000 CZK per seat or 1,000,000 CZK fixed for all passengers), and extended assistance services
SourceThird-party source, not the insurer's documentContract termination flexibility
Not established from the insurer's documents
ProAuto (newly concluded policies) can be terminated by either party at any time by mutual agreement without penalty. This is a unique feature on Czech market - most insurers require notice at end of insurance period
SourceThird-party source, not the insurer's documentVehicle type restrictions
Not established from the insurer's documents
ProAuto online purchase restricted to personal and commercial vehicles up to 3.5 tonnes total weight. Heavier vehicles and motorcycles must be arranged through alternative channels
SourceThird-party source, not the insurer's documentPremium calculation factors
Not established from the insurer's documents
ProAuto premium determined by: vehicle engine power (inverse relationship - lower power = lower premium), driver age, residence location, driving experience (claim history), and vehicle age. Multibonus available: up to 3 additional household vehicles
SourceThird-party source, not the insurer's documentPayment frequency options
Not established from the insurer's documents
ProAuto offers annual and quarterly payment options without surcharge
SourceThird-party source, not the insurer's document