Wüstenrot Motor third-party liability (Proauto Mtpl)
Underwritten by Wüstenrot pojišťovna, a.s. · Czech Republic
motor third-party liability insurance from Wüstenrot for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2015Sources
Key facts
- Wüstenrot
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal minimum: CZK 35M
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.
Section: Povinné ručení je možné sjednat ve dvou variantách:
V obou variant�ch jsou zdarma zahrnuty asisten�n� slu�by pro p��pad nehody a odcizen� vozidla na �zem� �R a SR a n�hrada ��eln� vynalo�en�ch n�klad� spojen�ch s pr�vn�m zastoupen�m p�i uplat�ov�n� n�rok�.
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.
Section: Asistenční služby
Havárie, odcizení na území ČR a SR příjezd silniční služby, oprava vozidla, odtažení vozidla
Driver accident
Not established from the insurer's documents
Third-party source, not the insurer's documentSection: K povinnému ručení lze sjednat doplňková připojištění: > Úrazové připojištění
�razov� p�ipoji�t�n� osob p�epravovan�ch v motorov�m vozidle s pojistnou ��stkou 200.000 K� pro ka�d� sedadlo samostatn�.
Key conditions
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.
Territorial scope
Assistance and liability cover apply within the Czech Republic and other European countries where the Green Card system is valid.
Documents
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 documentSection: Možnosti připojištění
Rozšířené asistenční služby ,jež si můžete k povinnému ručení připojistit, Vám poskytují ochranu v případě nehody, odcizení nebo poruchy vozidla. Rozšířené asistenční služby jsou poskytovány jak na území ČR, tak i v zahraničí, cena 300 Kč.
Optional 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 documentSection: Možnosti připojištění
K povinnému ručení si dále můžete připojistit nepoškozené čelní sklo a úraz dopravovaných osob.
Contract 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 documentSection: Novinky pro smlouvy sjednané od 4.9.2012
mo�nost ukon�it smlouvu kdykoliv dohodou
Vehicle 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 documentSection: Produktová nabídka - povinné ručení Wüstenrot
OMEZENÍ: Povinné ručení u tohoto produktu lze přes internet sjednat pouze pro osobní a nákladní vozidla do 3,5 tuny.
Premium 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 documentSection: Informace o povinném ručení Wüstenrot
Kromě obsahu a výkonu motoru stanovuje sazby dle věku a podle toho, zda jde o podnikatele nebo právnickou osobu a dle stáří vozidla.
Payment 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 documentSection: Splátky
Možné roční a čtvrtletní splátky. Bez navýšení.