Feature / category	Allianz	ČSOB	Generali	KOMUNÁLNA poisťovňa	UNIQA
Online purchase	Yes	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes	Yes
Own damage	Covered	Covered	Covered	Conditional	Covered
Total loss	Covered	Covered	Covered	Covered	Covered
Partial loss	Covered	Covered	Covered	Unlimited	Conditional
Theft & robbery	Covered	Optional	Optional	Conditional	Covered
Glass damage	Covered	Covered	Optional	Optional	Optional
Natural perils	Covered	Covered	Covered	Unlimited	Covered
Vandalism	Covered	Covered	Covered	Conditional	Covered
Roadside assistance	Covered	Covered	Covered	Unlimited	Covered
Replacement vehicle	€4 – €6	Optional	Optional	Optional	Optional
Driver accident	Covered	Optional	Optional	Optional	Optional