Casco (own-damage car insurance) — Slovakia

[1] Own damage: Conditional ↩

Covers mechanical damage to the vehicle, its parts and accessories caused by sudden, random, external events such as a collision or crash. Only included in the MAX package. The maximum payout is the insured sum (poistná suma) agreed in the policy. Damage from fluid shortage, design/manufacturing defects, wear and tear, or use contrary to the agreed purpose is excluded.

Škody na vozidle, jeho častiach a príslušenstve v dôsledku: pôsobenia náhlych, náhodných, vonkajších udalostí, ktoré spôsobia mechanické poškodenie (zrážka alebo stret poisteného vozidla s iným predmetom).

[2] Total loss: Conditional ↩

A loss is classified as a total loss when repair is not economically viable, i.e. repair costs exceed 90% of the vehicle's general (market) value; in that case a cash payout is preferred over repair. Total loss arising from an accident is payable under the MAX package's own-damage (Havária) cover, and total loss from theft under the Odcudzenie cover (EXTRA/MAX). In the MAX package, the GAP/financial-loss cover additionally tops up the payout to the vehicle's original new-vehicle value (východisková hodnota) for vehicles that were under 6 months old at policy inception.

Totálna škoda Škoda na poistenom vozidle, ktorá nemôže byť opravená alebo oprava nie je ekonomicky výhodná. Ekonomicky nevýhodná oprava je taká, pri ktorej sú náklady na opravu vyššie ako 90 % všeobecnej hodnoty vozidla.

[3] Partial loss: Conditional ↩

Partial damage from a covered collision (Havária, MAX package) is settled by repair. In a contracted workshop, material is reimbursed up to manufacturer/authorised-importer prices and labor at the authorised workshop's time norms and hourly rate. In a non-contracted workshop, labor is capped at up to €36.00 incl. VAT/hour and the painting coefficient at up to 100% if not repaired at a brand-authorised workshop. If settled by budget/estimate without receipts, material is reimbursed at 80% of manufacturer price and labor at €20 excl. VAT/hour.

Pri oprave v zmluvnom servise: materiál (náhradné diely, lakovací materiál a pod.) maximálne do výšky cien stanovených výrobcom/autorizovaným dovozcom vozidiel danej značky a typu vozidla, náklady na prácu stanovené na základe časových noriem, technologických postupov a hodinovej sadzby určených autorizovanou opravovňou danej značky a typu vozidla.

[4] Theft & robbery: Conditional ↩

Covers theft/robbery of a properly secured vehicle, its parts or accessories, damage caused during a theft or attempted theft, and theft of luggage carried inside the vehicle. Included in EXTRA and MAX packages. Payment requires a police report, the security device to have been active, keys/remotes not left within the offender's reach, and all original keys/remotes/security-device controls to be surrendered to the insurer. Maximum payout is the insured sum agreed in the policy.

odcudzenie riadne zabezpečeného vozidla, jeho častí alebo príslušenstva; poškodenie časti vozidla v dôsledku odcudzenia, pokusu o odcudzenie; odcudzenie batožiny uloženej vo vnútri vozidla

[5] Glass damage: Conditional ↩

Covers damage or destruction of the vehicle's glass parts caused by an accident, theft/attempted theft, vandalism, or an animal damaging a parked vehicle. Included in EXTRA and MAX packages, up to the insured sum in the policy. If the glass can be repaired instead of replaced, indemnity for the repair is capped at €30 incl. VAT; costs above this are not reimbursed. Does not apply to trailers/semi-trailers, except caravan-type trailers.

Poškodenie alebo zničenie sklenených častí vozidla v dôsledku: nehody (náraz do sklenenej časti), odcudzenia, pokusu o odcudzenie, vandalizmu, poškodenia zaparkovaného vozidla zvieraťom do výšky poistnej sumy uvedenej v poistnej zmluve.

[6] Natural perils: Conditional ↩

Covers damage to the insured vehicle from flood, windstorm, hail, atmospheric precipitation, lightning strike, earthquake, landslide, and snow/ice load or avalanche. Included from the PLUS package upward (PLUS, EXTRA, MAX). For vehicles older than 10 years, reduced-scope PLUS-MINI or EXTRA-MINI packages may be selected instead of PLUS/EXTRA. Excludes pollution damage and damage occurring while a protective part of the vehicle (windows, doors, bonnet, boot) was open, dismantled or removed.

Škody na poistenom vozidle spôsobené živelnými udalosťami: povodeň, záplava, mechanické poškodenie vozidla v dôsledku pôsobenia vody... víchrica, búrlivý vietor, krupobitie, atmosférické zrážky, úder blesku, zemetrasenie, zosuv pôdy, ťarcha snehu, ľadu, lavína.

[7] Vandalism: Conditional ↩

Covers damage to the insured vehicle caused by vandalism (intentional damage by a third party). Included in EXTRA and MAX packages. Excludes damage caused by the policyholder's gross negligence (e.g. leaving the vehicle unattended long-term in an unguarded, remote location, leaving keys in the vehicle), damage not reported to and investigated by the police, and mere tire damage where tread depth does not fall below the legal minimum.

Škody na poistenom vozidle v dôsledku vandalizmu.

[8] Roadside assistance: Covered ↩

Basic assistance is included from the base COMFORT package: on-site repair (up to 1 hour labor), towing to a contracted workshop within 20 km, tyre change, passenger transport up to 50 km, and information services. Extended assistance (PLUS, EXTRA, MAX) adds towing up to 150 km, a replacement vehicle, accommodation (up to 3 nights/€75/person/night) or return-home transport, passenger transport up to 100 km, fuel delivery, recovery trip for a found stolen vehicle, transport of remains, and removal of vehicle wreckage up to €125. Assistance territory is geographic Europe (incl. European Turkey and Greek Cyprus, excl. Belarus, Russia, Ukraine, Moldova); the NONSTOP assistance line is available 24/7.

V rámci Asistenčných služieb (základných) v balíku COMFORT vám poskytneme: opravu vozidla na mieste udalosti, odťah vozidla, prepravu osôb, informácie, výmenu pneumatiky na mieste udalosti v prípade defektu.

[9] Replacement vehicle: Conditional ↩

Part of extended assistance (PLUS, EXTRA, MAX only). Provides a replacement vehicle one class below the insured vehicle (max. lower-medium class, e.g. VW Golf/Škoda Rapid). For breakdown, wrong/no fuel, or lockout: up to 4 consecutive days, max. 2x per policy period. For damage, total loss, vandalism or theft (with police report): up to 6 consecutive days. In the MAX package, a replacement vehicle can also be used while the insured vehicle is still drivable but under repair.

zorganizujeme a uhradíme skutočné náklady na požičanie o triedu nižšieho náhradného vozidla ako je trieda poisteného vozidla, maximálne však vozidla nižšej strednej triedy (pre tieto účely je takým vozidlom napr. Volkswagen Golf, Škoda Rapid, Ford Focus, Seat Leon, Honda Civic).

[10] Driver accident: Covered ↩

Covers accidental injury or death of the driver and passengers of the insured vehicle involved in a traffic accident while driving/riding in, entering/exiting, or loading/unloading/repairing the vehicle. Death pays the full insured sum; permanent disability of 70% or more pays up to the insured sum. Included from the base COMFORT package (basic level); PLUS, EXTRA and MAX carry double the per-person limits of COMFORT. The exact EUR limit per person is set individually in the policy.

Poistenie sa vzťahuje na úraz vodiča poisteného vozidla a prepravované osoby, ak sú účastníkmi dopravnej nehody a táto osoba: vedie poistené vozidlo alebo sa ním prepravuje...

[11] Own damage: Covered ↩

Base package covers destruction or damage of the vehicle, its parts and equipment caused by collision/crash (havária), natural events, vandalism, and rodent damage (biting of electric cables, hoses, cladding or insulation). The insured sum equals the new price of the vehicle including VAT in the year of manufacture; individual sales discounts are not reflected when setting this sum.

zničenia alebo poškodenia vozidla, jeho častí a výbavy následkov havárie, živelnej udalosti, úmyselným poškodením (vandalizmom) a hlodavcami. Za poškodenie spôsobené hlodavcami sa považuje ohryzenie alebo prehryznutie elektrických káblov, hadíc, obkladov alebo izolačných materiálov v motorovom priestore vozidla

[12] Total loss: Covered ↩

In case of destruction (or economically unfeasible repair) of the vehicle including equipment, the insurer pays the general (current market) value of the vehicle immediately before the event, less the value of sellable/usable remains, up to the insured sum.

V prípade zničenia vozidla vrátane jeho výbavy poskytne poisťovateľ poistné plnenie zodpovedajúce všeobecnej hodnote vo vrátane výbavy bezprostredne pred poistnou udalosťou, znížené o cenu predajných/použiteľných zvyškov vozidla a výbavy.

[13] Partial loss: 80% of insured sum ↩

Partial damage is repaired at new-part prices/labour rates applicable in the given SR region; if repair costs would exceed 80% of the vehicle's general value at the time of loss, the insurer classifies the repair as economically unfeasible and settles it as a total loss instead.

Ak náklady na opravu poškodeného vozidla presiahnu 80 % všeobecnej hodnoty vozidla vrátane výbavy, opravu poisťovateľ kvalifikuje ako ekonomicky neúčelnú opravu, pričom výšku škody stanoví rovnako, ako pri zničení vozidla.

[14] Theft & robbery: Optional ↩

The policy can be arranged as one of two packages: the base package (collision, natural events, rodents, vandalism) or a second package that additionally includes cover for theft of the vehicle, its parts and equipment by burglary or robbery. Cover is void if the vehicle was not fitted with, or did not have active/functional, the prescribed anti-theft device at the time of the loss. Marketing materials indicate this rider's territorial scope may be limited to the Slovak Republic only.

Poistenie môže byť uzatvorené aj s balíkom, ktorý okrem základných rizík (havária, živelné udalosti, škody spôsobené hlodavcami, vandalizmus) zahŕňa aj krytie odcudzenia vozidla.

[15] Glass damage: Covered ↩

Base cover already extends to damage or destruction of the vehicle's glazing by any accidental event, excluding toll/vignette stickers and film illegally applied to the glass. A separate optional rider reduces the deductible applicable when glass is replaced (see key_conditions/deductible_rules); it excludes panoramic roofs/sunroofs and items connected to the glass (sun visors, mirrors).

Poistenie sa vzťahuje aj na prípad poškodenia alebo zničenia sklenených výplní (ďalej len „sklo“) poisteného vozidla akoukoľvek náhodnou udalosťou. Poistenie podľa tohto bodu sa nevzťahuje na diaľničné známky a tiež na fólie, umiestnené na sklá v rozpore s platnými predpismi.

[16] Natural perils: Covered ↩

Included in both packages as standard: fire, explosion, lightning strike, aircraft impact, inundation/flood, windstorm (wind above 75 km/h), hail, landslide, avalanche, falling trees/poles/objects, earthquake, and sonic boom, per the policy's definition of 'natural event'.

Živelná udalosť je udalosť spôsobená: a) Požiarom... b) Výbuchom... c) Úderom blesku... d) Nárazom... e) Záplavou... f) Povodňou... g) Víchricou... h) Krupobitím... i) Zosúvaním... j) Zosúvaním alebo zrútením lavín... k) Pádom stromov... l) Zemetrasením... m) Nadzvukovou vlnou.

[17] Vandalism: Covered ↩

Included in both packages: intentional damage to, or destruction of, the vehicle or its parts by a third party. Damage caused intentionally by the vehicle's own authorised user is not considered vandalism and is excluded.

Vandalizmus je úmyselné poškodenie cudzej veci alebo zničenie vozidla alebo jeho časti treťou osobou. Vandalizmom nie je úmyselné poškodenie cudzej veci alebo zničenie vozidla oprávneným používateľom vozidla.

[18] Roadside assistance: Covered ↩

Automatically included for M1 and N1 category vehicles up to 3.5 t in case of accident or breakdown: on-site repair or towing (e.g. 120 EUR domestic/200 EUR abroad after accident; 70/150 EUR after breakdown), vehicle storage, continuation of journey (hotel, replacement transport, taxi), lost-key/lockout assistance, flat-tyre and flat-battery assistance, fuel mix-up towing, plus abroad-specific services such as interpreting (limit 200 EUR), embassy liaison, lost-document assistance, police-report help, bail/legal-representation advances (up to 10,000 EUR bail, 800 EUR legal fees, 5,000 EUR negligence-damage advance) and message relay. Reached via ČSOB Assistance +421 2 444 500 50.

OPRAVA na mieste, ak je to možné 120 € 200 € 70 € 150 €

[19] Replacement vehicle: €500 ↩

Optional rider covering costs of renting/hiring a replacement vehicle of the same class when the insured vehicle is damaged by collision, natural event, theft of a part, or vandalism and repair time exceeds 8 standard hours and repair cost exceeds the deductible. Annual limit of 500 EUR per policy period regardless of number of claims; fuel and cleaning/maintenance costs of the replacement vehicle are excluded.

Ročný limit poistného plnenia vo výške 500 € je určený v poistnej zmluve na celé poistné obdobie bez ohľadu na počet poistných plnení.

[20] Driver accident: Optional ↩

Optional rider covering death caused by accident, permanent injury consequences, and daily indemnity during treatment, for all persons transported in the vehicle (per seating capacity in the registration certificate). Applies only to accidents during driving, collision, or short stops to fix minor breakdowns, and only if investigated/documented by police. The insured sum for each benefit is set individually in the policy contract.

V poistnej zmluve je možné dohodnúť aj úrazové poistenie prepravovaných osôb pre prípad: a) smrti spôsobenej úrazom, b) trvalých následkov spôsobených úrazom, c) liečenia úrazu – denné odškodné.

[21] Own damage: 100% of insured sum ↩

Covers damage or destruction of the vehicle caused by a random, unforeseeable collision (impact with a stationary obstacle) or crash (collision with a moving object such as another vehicle, a person or an animal), including mechanical damage caused by larger animals to a parked vehicle. Benefit is capped by the agreed insured sum (poistná suma).

haváriou je aj mechanické poškodenie zaparkovaného vozidla väčším zvieraťom (napr. obhryzenie blatníkov, poškriabanie),

[22] Total loss: 100% of insured sum ↩

A loss is treated as total when reasonable repair costs exceed 85% of the vehicle's general market value (100% if the optional Elektro/battery rider is agreed). Benefit equals the general value at the time of the event minus the salvage value and the agreed deductible.

Škodu považujeme za totálnu, ak primerané náklady na opravu poškodeného alebo zničeného vozidla presiahnu 85 % zo všeobecnej hodnoty vozidla.

[23] Partial loss: 100% of insured sum ↩

Applies when reasonable repair costs do not exceed 85% of the general value; the insurer reimburses reasonable costs reasonably incurred for the repair, less the agreed deductible. If repaired outside the authorised network, the labour rate used for calculation is capped at 36.00 EUR incl. VAT per hour; if settled by budget/estimate ('rozpočtom'), the hourly labour rate is capped at 22.00 EUR excl. VAT.

V prípade opravy vozidla v inom ako autorizovanom servise použijeme pre výpočet poistného plnenia cenu práce za hodinu (normohodina) maximálne do výšky 36,00 EUR s DPH.

[24] Theft & robbery: 100% of insured sum ↩

Covers theft of the vehicle, robbery (use of force or threat of force to seize the vehicle), and unauthorized use without the owner's/holder's consent. Benefit equals the general value at the time of the event minus the agreed deductible; a child car seat stolen with the vehicle is reimbursed at time value.

Poistné plnenie pri krádeži a lúpeži vozidla vypočítame tak, že od všeobecnej hodnoty vozidla v čase vzniku poistnej udalosti odrátame dojednanú spoluúčasť.

[25] Glass damage: €2,000 ↩

Optional add-on covering vehicle glazing (windscreen, rear, side and roof windows) damaged by any peril insured under the base cover. Settled at contracted-service-network rates even if repaired elsewhere; paid out up to twice per insurance period, maximum 2,000 EUR total per period. Without this rider, glass damage is still covered from the base insurance but with the deductible applied and it affects the bonus.

Poistné plnenie na zasklení uhradíme maximálne dvakrát počas jedného poistného obdobia. Maximálny limit poistného plnenia za toto obdobie je 2 000 EUR.

[26] Natural perils: 100% of insured sum ↩

Base cover includes damage from fire, explosion, lightning strike, aircraft impact, flood, inundation, water-system damage, windstorm (≥75 km/h), hail, landslide, avalanche, falling trees/poles, earthquake (≥6 EMS-98) and rodent/small-animal damage.

živelná udalosť,

[27] Vandalism: 100% of insured sum ↩

Covers intentional damage or destruction of the vehicle by a third party not entitled to use it, as part of the base cover.

vandalizmus – ak vozidlo úmyselne poškodí alebo zničí tretia osoba – teda tá, ktorá nie je oprávnená žiadnym spôsobom užívať vozidlo,

[28] Roadside assistance: Covered ↩

The IPID lists KASKO KLASIK assistance services as included free of charge with base cover for passenger and light-commercial vehicles up to 3,500 kg. A more extensive PREMIUM assistance package is available as a separate optional add-on governed by its own special conditions.

Asistenčné služby KLASIK pre osobné a úžitkové vozidlá do celkovej hmotnosti 3 500 kg.

[29] Replacement vehicle: €2,000 ↩

Optional add-on reimbursing rental costs for a replacement vehicle after partial loss, total loss or theft, while repairs (>1 day) take place in Slovakia, or for up to 15 days after a total loss/theft event. Usable up to 3 times per insurance period, capped at 2,000 EUR total, subject to a 10% deductible.

Náhradné vozidlo si môžete zapožičať maximálne trikrát počas jedného poistného obdobia. Maximálny limit poistného plnenia za toto obdobie je 2000 €.

[30] Driver accident: Optional ↩

Optional add-on covering the driver and all persons transported in the vehicle for death, permanent injury and necessary treatment time resulting from a traffic accident. Insured sums are individually agreed per contract for each of the three benefit types.

Poistné sumy pre toto doplnkové poistenie, ktoré máte uvedené v poistnej zmluve, platia pre každého poisteného.

[31] Own damage: Covered ↩

Covers damage to or destruction of the insured vehicle or its parts caused by an accidental event resulting from the vehicle colliding with an obstacle or with another moving object, including parking damage; the ceiling of indemnity per insurance year equals the agreed sum insured.

Riziko Havária - Je poškodenie alebo zničenie poisteného vozidla alebo jeho časti náhodnou udalosťou vzniknutou nárazom poisteného vozidla na prekážku alebo stretom poisteného vozidla s iným pohybujúcim sa objektom. Haváriou sa rozumejú aj parkovacie škody.

[32] Total loss: Covered ↩

If the reasonable repair costs (incl. VAT) equal or exceed 100% of the vehicle's general value immediately before the loss, the loss is treated as a total loss and indemnity equals the general value of the vehicle at that time, less the value of usable remnants and the agreed deductible.

Pokiaľ bolo vozidlo zničené alebo poškodené v takom rozsahu, že primerané náklady na opravu v autorizovanej opravovni presiahnu 100 % všeobecnej hodnoty vozidla ku dňu vzniku poistnej udalosti, poisťovateľ bude považovať takúto škodu za totálnu škodu a výškou plnenia bude všeobecná hodnota vozidla znížená o hodnotu použiteľných zvyškov vozidla.

[33] Partial loss: Covered ↩

Partial damage where the cost of restoring the vehicle to its condition before the loss does not exceed the vehicle's general value at the time of the loss; the insurer reimburses reasonable repair costs (parts, material, labour and painting) in full.

Za primerané náklady na opravu sa považujú také, ktoré nepresiahnu ceny nových originálnych náhradných dielov a časové normy stanovené výrobcom pre príslušnú značku a typ vozidla.

[34] Theft & robbery: Covered ↩

Covers loss of or damage to the insured vehicle or its insured equipment caused by burglary-theft, robbery, unauthorised use by another person, or damage caused during theft or an attempted theft, provided the event is reported to the police within 24 hours of discovery. Simple theft without overcoming a security obstacle is not covered.

Riziko Odcudzenie – Poistením sú kryté škody, ktoré vzniknú na poistenom vozidle alebo je poistenej výbave v dôsledku: 1. krádeže vlámaním, 2. lúpeže, 3. neopravného užívania poistného vozidla inou osobou, 4. poškodenia alebo zničenia poisteného vozidla pri odcudzení alebo pokuse o odcudzenie, ak bola udalosť konkretizovaná v bode 1 až 4 najneskôr do 24 hodín odkedy vznik udalosti poistený alebo poistník zistil preukázateľne oznámená príslušnému orgánu Policajného zboru.

[35] Glass damage: Covered ↩

Base cover includes damage to the vehicle's glazing (windscreen, side-door glass, rear window, glass of rear third/fifth doors, sunroof glass and exterior mirror glass), including the adhesive kit needed to fit a new pane; subject to the policy deductible. An optional windscreen-only rider (Art. 27, part of the OPTIMUM package or standalone) removes the deductible for windscreen claims.

Riziko Sklá - Poistením sú kryté škody vzniknuté na zasklení poisteného vozidla. Zasklením sa rozumejú sklá poisteného motorového vozidla ako čelné sklo, sklá bočných dverí, zadné sklo, sklo zadných tretích alebo piatych dverí, sklo strešného okna, sklá vonkajších spätných zrkadiel.

[36] Natural perils: Covered ↩

Covers damage or destruction caused by a sudden, unforeseeable natural event: fire, explosion, aircraft impact, falling trees/poles/other objects, lightning strike, weight of snow or ice, flood, windstorm, hail, landslide/rockfall, avalanche, earthquake, water leakage from plumbing/fire-fighting systems, sonic boom, or stormy wind.

Riziko Živel - Poistenie sa vzťahuje na prípad poškodenia alebo zničenia vozidla náhlou nepredvídateľnou živelnou udalosťou, a to: 1. požiarom, 2. výbuchom, 3. nárazom alebo zrútením lietadla, jeho častí alebo jeho nákladu... 15. búrlivým vetrom.

[37] Vandalism: Covered ↩

Covers intentional damage to or destruction of the insured vehicle or its part by a person other than the policyholder, insured, household members, employees or persons acting on their instructions, provided the event is reported to and investigated by the police without delay.

Riziko Vandalizmus - Poistenie sa vzťahuje na prípad úmyselného poškodenia alebo zničenia poistného vozidla, jeho časti v dôsledku vandalizmu, ak bola takáto udalosť bez meškania preukázane oznámená a vyšetrovaná príslušným orgánom Policajného zboru.

[38] Roadside assistance: Optional ↩

24/7 roadside assistance (breakdown help, towing, accommodation, fuel delivery, legal and medical assistance) provided by Global Assistance Slovakia is available as an optional rider (Art. 26). Independently of this rider, the base policy already reimburses the cost of transporting a damaged insured vehicle to the nearest authorised repair shop, capped at EUR 0.66/km (cars up to 3,500 kg), EUR 1.00/km (light commercial vehicles up to 3,500 kg) or EUR 1.56/km (vehicles over 3,500 kg), all incl. VAT (Art. 12(28)). A separate 'Vyprostenie a odťah' rider (Art. 32) extends recovery/towing cover further.

Poistné plnenie za prepravu poisteného vozidla podľa prvej vety poisťovňa poskytne maximálne vo výške u osobných vozidiel, s celkovou hmotnosťou do 3500 kg 0,66 EUR/1 km s DPH, u úžitkových vozidiel s celkovou hmotnosťou do 3500 kg 1,00 EUR/1 km s DPH, u nákladných vozidiel s hmotnosťou vyššou ako 3500 kg 1,56 EUR/1 km s DPH.

[39] Replacement vehicle: €100 ↩

Optional rider (Art. 34) reimbursing the cost of renting a replacement vehicle while the insured vehicle is being repaired following a covered claim; it can only be agreed together with the Global Assistance rider. Indemnity is capped at EUR 100 per day, based on a submitted rental invoice, up to the overall sum insured chosen for this rider for the policy period.

[40] Driver accident: Optional ↩

Optional rider (Art. 29) covering unnamed occupants of the insured vehicle for death or permanent bodily impairment resulting from an accident that occurs while starting, driving, boarding/alighting from, or briefly stopping the vehicle; the sum insured is set flat-rate per seat according to the insurer's tariff. Available individually or as part of the BASIC/OPTIMUM packages.

Pripoistenie osôb prepravovaných vozidlom sa vzťahuje na nemenované osoby prepravované poisteným vozidlom pre nasledovné poistné riziká: a) Smrť následkom úrazu, b) Trvalé telesné poškodenie následkom úrazu.

[41] Own damage: Covered ↩

Covers repair or replacement cost up to the agreed sum insured (poistná suma) for damage/destruction caused by an accident, whether at fault or not at fault of the insured driver. Included automatically in the 'Kasko komplet' package; under 'Kasko výber' the customer selects which perils (incl. own-fault collision) to include.

a) Kasko komplet – komplexné poistenie poškodenia, zničenia, krádeže alebo lúpeže MV, jeho obvyklej a povinnej výbavy v rozsahu rizík uvedených v čl. 2 pís. a) až f), b) Kasko výber – poistenie škôd na MV, jeho obvyklej a povinnej výbave jedným alebo viacerými rizikami uvedenými v čl. 2 písm. a) až f).

[42] Total loss: Covered ↩

Damage is treated as a total loss when repair costs would exceed 90% of the vehicle's general value immediately before the loss; the payout equals the general value minus salvage value and the agreed deductible.

Pokiaľ bolo MV zničené alebo poškodené v takom rozsahu, že náklady na opravu presiahnu 90 % všeobecnej ceny MV bezprostredne pred vznikom poistnej udalosti, poisťovňa bude považovať takúto

[43] Partial loss: Covered ↩

The insurer reimburses reasonable repair costs to restore the vehicle to its condition immediately before the loss, calculated according to the workshop category used (authorized, contracted or non-contracted), less the agreed deductible.

Po vzniku poistnej udalosti je poisťovňa povinná hradiť primerané náklady na opravu vozidla nasledovne: a) pri oprave poisteného MV v autorizovaných opravovniach pre danú značku a typ vozidla sa primerané náklady na náhradné diely, materiál a prácu posudzujú tak, že sa porovnávajú s kalkuláciou nákladov na opravu vyhotovenou poisťovňou

[44] Theft & robbery: Conditional ↩

Theft/robbery of the vehicle and/or its standard/compulsory equipment is automatically included in the 'Kasko komplet' package; under 'Kasko výber' it is one of the perils the customer may individually select. Payout is void if the vehicle was not secured with the prescribed anti-theft device combination for its value bracket.

a) Kasko komplet – komplexné poistenie poškodenia, zničenia, krádeže alebo lúpeže MV, jeho obvyklej a povinnej výbavy v rozsahu rizík uvedených v čl. 2 pís. a) až f)

[45] Glass damage: Conditional ↩

Accidental windscreen damage is covered even without the dedicated rider (5% deductible, min. €150), but the dedicated 'poistenie čelného skla' rider with a reduced deductible (5%, min. €50; waived entirely if repair cost is ≤€75) is included free of charge only within the 'Kasko komplet' package; otherwise it must be purchased as an optional add-on.

Poistenie sa vzťahuje na náhodné poškodenie alebo zničenie čelného skla motorového vozidla. V prípade výmeny poškodeného alebo zničeného čelného skla bude poistné plnenie znížené o spoluúčasť vo výške 5 %, minimálne 50 eur.

[46] Natural perils: Covered ↩

Covers damage or destruction of the vehicle and/or its standard/compulsory equipment caused by a natural hazard event; this peril is present in every base coverage configuration offered.

a) poškodenie alebo zničenie MV a/alebo jeho obvyklej a povinnej výbavy živelnou udalosťou,

[47] Vandalism: Conditional ↩

Damage caused intentionally or unintentionally by a known or unknown third party (including vandalism) is automatically included in 'Kasko komplet' and individually selectable under 'Kasko výber'.

b) poškodenie alebo zničenie MV a/alebo jeho obvyklej a povinnej výbavy zásahom (známej alebo neznámej) tretej osoby, úmyselné (vandalizmus) aj neúmyselné,

[48] Roadside assistance: Covered ↩

Every casco policy automatically includes free 24/7 technical, administrative-legal and medical assistance services provided by Global Assistance Slovakia, including towing of an immobilized vehicle to the nearest suitable repair facility or storage for up to 10 days.

Ku každej poistnej zmluve získate automaticky bezplatné asistenčné služby (technické, administratívno-právne a lekárske asistencie).

[49] Replacement vehicle: €35 – €150 ↩

Optional rider covering rental costs of a replacement vehicle while the insured car (up to 3,500 kg) is being repaired after an insured event, or in case of theft/total loss; daily limit ranges from €35 to €150 per day for 5 or 10 days depending on the agreed limit. Included free of charge within the 'Kasko komplet' package, otherwise purchased separately.

Predmetom poistenia sú náklady za prenájom náhradného vozidla za poškodené poistené vozidlo. Rozsah poistenia: 35 eur – 150 eur /deň na 5 alebo 10 dní.

[50] Driver accident: €4,000 – €40,000 ↩

Optional rider covering permanent bodily injury of the driver/passengers following a traffic accident, with a base sum insured of €4,000 per person, extendable up to 10x the base amount (up to €40,000); also covers transport costs in case of death.

poistenie pre prípad trvalého telesného poškodenia následkom úrazu (trvalé následky úrazu) na poistnú sumu 4 000 eur. Poistenie sa vzťahuje aj na náklady spojené s prevozom pri úmrtí. Je ho možné dojednať až na 10-násobok základnej poistnej sumy.

[51] Own damage: 100% of insured sum ↩

Covers damage from collision, impact, fall of the vehicle or driving into water; payout equals the vehicle's usual value at the time of loss, unless the acquisition (purchase) price is insured, in which case the full purchase price is paid within the first 3 years for new vehicles.

[52] Total loss: 100% of insured sum ↩

In case of total destruction of the vehicle, the payout equals the vehicle's value immediately before the accident, or the full acquisition price for new vehicles within the first 3 years if that option was selected.

[53] Partial loss: 100% of insured sum ↩

Repairable damage is settled up to the vehicle's usual value (or acquisition price if insured); covers collision, impact, fall, or driving into water, excluding events covered by other specific cushions (vandalism, natural event, animal collision, theft, glass-only damage).

[54] Theft & robbery: 100% of insured sum ↩

Optional selectable cushion covering theft of a properly secured vehicle (including its parts); payout based on the vehicle's usual value, without a fixed monetary sub-limit.

krádeže vozidla - odcudzenie riadne zabezpečeného vozidla (ale aj jeho súčastí)

[55] Glass damage: Unlimited ↩

Optional standalone cushion covering all vehicle glass (windshield, side, rear, panoramic roof) with a single, unlimited limit, plus mandatory-to-replace parts (e.g. sensors) and their calibration; excludes items merely attached to the glass and additional glass modifications such as tinting.

[56] Natural perils: 100% of insured sum ↩

Optional cushion always without a fixed monetary sub-limit; in case of total loss the full usual value of the vehicle is paid out.

[57] Vandalism: 100% of insured sum ↩

Optional cushion covering intentional damage to a parked vehicle by a third party, theft of a vehicle part, or damage during an attempted theft; payout based on the vehicle's usual value.

[58] Roadside assistance: Optional ↩

Assistance level depends on the selected variant; ranges from towing within Slovakia up to a specified distance to unlimited towing coverage across Slovakia and the EU; covers roadside diagnosis, on-site repair and vehicle/passenger transport in case of accident, breakdown, animal collision, natural event or vandalism.

[59] Replacement vehicle: Conditional ↩

For comprehensive damage claims (traffic accident, natural event, theft, vandalism, animal collision) Pillow covers rental vehicle costs during the reasonable repair period, up to a daily rate specified in the individual contract; for a total loss the subsidy continues until the settlement payment is transferred.

[60] Driver accident: €20,000 ↩

Optional cushion for permanent disability or death due to accident, insured for EUR 20,000, plus hospitalization compensation of EUR 20 per day for up to 1 year; can also include a monthly annuity of EUR 400 to children up to age 25 in case both parents die following a traffic accident; can be purchased standalone, without a deductible.

[61] Own damage: Covered ↩

Covers accidental damage or destruction of the insured vehicle caused by collision, impact with another object/person/animal, or vandalism. Selecting either 'Havária a Vandalizmus' or 'Nezavinená havária a Vandalizmus' cover is a mandatory condition for concluding the policy.

Poistnou udalosťou v prípade poistného krytia Havária a Vandalizmus je náhodné a nepredvídateľné poškodenie, zničenie alebo strata vozidla a jeho štandardnej alebo doplnkovej výbavy zabudovanej vo vozidle alebo na ňom pripevnenej, spôsobené: a) stretom vozidla s iným vozidlom, nárazom do iného vozidla alebo nárazom iným vozidlom do poisteného vozidla, alebo nárazom do iného predmetu alebo stretom so zverou

[62] Total loss: Covered ↩

In case of destruction (total loss) of the vehicle, the payout is calculated from the vehicle's general value at the time of the event minus the value of usable remains (parts and accessories), which remain the property of the insured.

Výšku poistného plnenia pri zničení určí poisťovateľ tak, že od všeobecnej hodnoty vozidla v dobe poistnej udalosti odpočíta cenu zvyškov, t.j. použiteľných náhradných dielov a doplnkovej výbavy ako celku (ak bola predmetom poistenia). Zvyšky zostávajú vo vlastníctve poisteného.

[63] Partial loss: 90% of insured sum ↩

Repair costs are indemnified as reasonable, appropriately incurred costs necessary to remedy the damage, provided they do not exceed 90% of the vehicle's general value at the time of the insured event.

V prípade poškodenia vozidla sú poistným plnením primerané náklady účelne vynaložené na odstránenie škody, ktoré nepresiahnu 90% všeobecnej hodnoty vozidla.

[64] Theft & robbery: Optional ↩

Optional 'Krádež' cover for theft of the vehicle, its standard/additional equipment, or unauthorized use. The vehicle must be fitted with anti-theft security devices prescribed according to its insured sum.

Poistné krytie Krádež sa vzťahuje iba na predmet poistenia, ktorý bol vybavený a zabezpečený predpísanými zabezpečovacími zariadeniami.

[65] Glass damage: Optional ↩

Optional cover for the front, rear and side windows of the vehicle. Theft of glass and damage to related items (paint, upholstery, seals, sun visors, mirrors) are excluded.

Okrem výluk uvedených v časti I, čl. 7 týchto VPP UHP sa poistenie nevzťahuje na: a) odcudzenie skiel vozidla,

[66] Natural perils: Optional ↩

Optional cover for damage, destruction or loss caused by lightning, rockfall/landslide/avalanche/snow pressure, hail, flood, windstorm (wind speed over 75 km/h), earthquake, falling objects, or fire/explosion.

Ak je v poistnej zmluve dojednané poistné krytie Živelné riziká, poistenie sa vzťahuje na poškodenie, zničenie alebo stratu vozidla spôsobené nasledujúcimi živelnými udalosťami: a) priamym pôsobením blesku, b) zosuvom kamenia, zrútením skál, zosuvom pôdy, lavínami, tlakom snehu, c) krupobitím, d) povodňami alebo záplavami, e) víchricou (rýchlosť vetra vyššia než 75 km/h), f) zemetrasením, g) pádom alebo nárazom predmetov na vozidlo alebo proti vozidlu, h) požiarom alebo výbuchom.

[67] Vandalism: Covered ↩

Intentional damage or destruction of the vehicle caused by a third party is covered as part of the mandatory 'Havária a Vandalizmus' (or 'Nezavinená havária a Vandalizmus') cover.

e) vandalizmom.

[68] Roadside assistance: €250 – €850 ↩

Optional assistance cover provided via Eurocross Assistance, available 24/7. BASIC package: cumulative limit up to 250 EUR for events in Slovakia and up to 650 EUR abroad. PREMIUM package: cumulative limit up to 350 EUR in Slovakia and up to 850 EUR abroad, with higher per-service sub-limits.

poisťovateľ hradí v prípade asistenčnej udalosti náklady za asistenčné služby v zmysle čl. 2 tejto časti VPP UHP spolu vo výške maximálne 250 EUR za asistenčné služby poskytnuté na území Slovenskej republiky a vo výške maximálne 650 EUR za asistenčné služby poskytnuté mimo územia SR.

[69] Replacement vehicle: Optional ↩

Optional cover for reasonably incurred rental costs of a replacement passenger or commercial vehicle up to 3,500 kg, appropriate to the insured vehicle's type, for the time necessary to repair it. Valid only within Slovakia; the daily limit and maximum number of rental days are agreed individually in the policy, and the entitlement can be claimed a maximum of twice per insurance period. Fuel, tolls, cleaning and maintenance are excluded.

V prípade poistného krytia Náhradné motorové vozidlo poisťovateľ poskytne poistenému náklady účelne vynaložené na prenájom náhradného osobného alebo úžitkového motorového vozidla s celkovou hmotnosťou do 3 500 kg vrátane a to primerane podľa typu poisteného vozidla.

[70] Driver accident: Optional ↩

Optional accident cover for the driver alone or for the driver and all passengers. Provides benefits for death due to accident, for permanent consequences of accident (progressive scale up to 350%), and a daily benefit during hospitalisation (max. 60 days per accident within 2 years). Sums insured are agreed individually per insured person in the contract.

V poistnej zmluve je možné dohodnúť, že poistenými osobami sú: a) vodič, alebo b) vodič a osoby prepravované vozidlom, ktoré sa nachádzajú v čase poistnej udalosti vo vozidle na miestach určených na sedenie (celá posádka vozidla).

[71] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle caused by a traffic accident (havária); indemnity is capped at the agreed insured sum (poistná suma), reduced by usable remains and deductible

Poisteným nebezpečím môže byť jedno alebo viacero z nasledovných nebezpečí, ktoré musia byť uvedené v poistnej zmluve: a) havária vozidla,

[72] Total loss: 100% of insured sum ↩

Vehicle is treated as a total loss when reasonable repair costs reach or exceed 100% of its market value at the time of the loss; indemnity equals market value minus usable remains and deductible

Finančne neefektívnou opravou sa rozumie stav, pokiaľ primerané náklady na opravu poškodeného predmetu poistenia dosiahnu alebo presiahnu jeho trhovú hodnotu. (Totálna škoda).

[73] Partial loss: 100% of insured sum ↩

If the vehicle is repaired, indemnity equals reasonable repair costs minus usable remains and deductible; if not repaired, indemnity is calculated by budget estimate

oprava vozidla sa realizuje potom výška poistného plnenia sa rovná sume zodpovedajúcej primeraným nákladom na opravu zníženým o cenu použiteľných zvyškov a dojednanej spoluúčasti.

[74] Theft & robbery: 100% of insured sum ↩

Covers theft and robbery of the insured vehicle as defined by criminal law, conditional on the vehicle being fitted with the anti-theft device(s) required for its insured value bracket

Poistné krytie proti nebezpečiu krádeže sa vzťahuje iba na predmet poistenia, ktorý bol vybavený a zabezpečený týmito predpísanými zabezpečovacími zariadeniami:

[75] Glass damage: 100% of insured sum ↩

Damage or destruction of vehicle glazing caused by external mechanical force is an included peril; an optional windshield-only supplement can be arranged without a deductible, with its insured sum set to at least the base deductible amount

Z tohto doplnkového poistenia vzniká nárok na poistné plnenie, ak k poškodeniu alebo zničeniu čelného skla poisteného vozidla došlo v dôsledku zvonka pôsobiacich mechanických síl

[76] Natural perils: 100% of insured sum ↩

Covers fire, explosion, flood, inundation, hail, lightning strike, landslide/snow slide, avalanche, falling trees/objects, windstorm and earthquake as defined in the T&Cs

Živelnou udalosťou sa pre účely tohto poistenia rozumejú: a) požiar ... b) výbuch ... c) záplava ... d) povodeň ... e) krupobitie ... f) úder blesku ... g) zosuv pôdy alebo snehu

[77] Vandalism: 100% of insured sum ↩

Covers intentional damage or destruction of the insured vehicle by a third party

Vandalizmom sa v zmysle týchto podmienok poistenia rozumie úmyselné konanie tretej osoby smerujúce k mechanickému poškodeniu alebo zničeniu predmetu poistenia.

[78] Roadside assistance: Covered ↩

Basic assistance including free towing of the vehicle anywhere within Slovakia and the Czech Republic is included as standard; extended assistance packages are available for an additional fee

Navyše vám bezplatne zabezpečíme odťah vozidla kdekoľvek na území Slovenska a Českej republiky.

[79] Replacement vehicle: Optional ↩

Optional supplement covering the cost of a rental replacement vehicle for the duration necessary to repair the insured vehicle, up to a maximum of 10 calendar days and up to the amount stated in the contract; sold without a deductible

uhradí poistiteľ náklady za zapožičané vozidlo počas doby nevyhnutnej na opravu poisteného vozidla, maximálne však za 10 kalendárnych dní a maximálne vo výške, ktorá je uvedená v poistnej zmluve.

[80] Driver accident: Optional ↩

Optional supplement for death or permanent injury following an accident of unnamed persons transported in the insured vehicle, governed by the accident insurance T&Cs; arranged without a deductible

Doplnkové poistenia pre prípad smrti v dôsledku havárie a trvalých následkov po havárii sa vzťahujú na nemenované osoby prepravované poisteným vozidlom. Tieto doplnkové poistenia sa riadia Všeobecnými poistnými podmienkami pre úrazové poistenie.

[81] Own damage: Covered ↩

Covers damage to or destruction of the insured vehicle caused by collision with any obstacle, collision with another road user, or the fall/impact of objects that are not part of the insured vehicle (trees, poles, rocks, etc.). The insured sum (poistná suma) is agreed individually per vehicle in the policy; indemnity is capped at the vehicle's general value (všeobecná hodnota vozidla) at the time of the claim, and never exceeds the agreed sum insured. Repair costs up to 90% of that general value are treated as a 'damaged vehicle' (partial loss); above that threshold the vehicle is a 'destroyed vehicle' (total loss).

nárazu poisteného vozidla na akúkoľvek prekážku, poškodenia alebo zničenia poisteného vozidla v dôsledku stretu tohto vozidla s iným účastníkom cestnej premávky, pádu alebo nárazu akýchkoľvek predmetov, ktoré nie sú súčasťou poisteného vozidla

[82] Total loss: Covered ↩

A vehicle is 'destroyed' when reasonable repair costs exceed 90% of its general value at the time of the claim. In that case the insurer pays the general value of the vehicle at the time of the claim, less the value of usable remains and the agreed deductible, capped at the sum insured. Usable remains stay the property of the policyholder.

Ak bolo poistené vozidlo zničené, vzniká poistenému právo, aby mu poisťovňa vyplatila sumu zodpovedajúcu všeobecnej hodnote vozidla v čase vzniku poistnej udalosti, zníženú o hodnotu použiteľných zvyškov celého poisteného vozidla ... a zmluvne dohodnutej spoluúčasti.

[83] Partial loss: Covered ↩

A vehicle is 'damaged' (not destroyed) when reasonable repair costs do not exceed 90% of its general value at the time of the claim. The insurer reimburses the actually incurred, reasonable repair costs at prices usual at the time of the claim, less the value of replaced parts kept as remains and the agreed deductible.

Ak bolo poistené vozidlo poškodené, vzniká poistenému právo, aby mu poisťovňa vyplatila sumu zodpovedajúcu skutočne vynaloženým primeraným nákladom na opravu poškodeného poisteného vozidla a jeho súčastí, ktoré sú v dobe vzniku poistnej udalosti obvyklé, znížené o hodnotu zvyškov nahradzovaných častí poškodeného poisteného vozidla a zmluvne dohodnutej spoluúčasti.

[84] Theft & robbery: 10% of insured sum ↩

Covers theft of the whole insured vehicle by burglary or robbery, and theft of vehicle parts by burglary/robbery (part-theft cover does not apply to motorcycles). Payout equals the vehicle's general value at the time of the claim, capped at the sum insured; theft of additionally installed accessories is capped at 10% of the total sum insured per policy period.

krádeže celého poisteného vozidla vlámaním alebo lúpežným prepadnutím, e. krádeže častí poisteného vozidla vlámaním alebo prepadnutím (nevzťahuje sa na motocykle)

[85] Glass damage: Covered ↩

Base cover includes damage to the vehicle's glass caused by any of the insured perils (not applicable to motorcycles). Deductible is €0 if the glass is repaired without replacement; if only the windscreen is damaged and must be replaced, a special deductible of 5% (min. €150) applies regardless of the deductible for other claims. An optional 'glass' rider (deductible buy-out) reimburses the deductible on glass-replacement claims up to a limit of €600, for a maximum of two claims per policy period.

Spoluúčasť pri poistnej udalosti so škodou výlučne na čelnom skle poisteného vozidla je dojednaná vo výške 5%, min. 150 eur bez ohľadu na výšku spoluúčasti pri iných poistných udalostiach z poistenia.

[86] Natural perils: Covered ↩

Covers damage or destruction of the vehicle caused by fire, lightning, hail, windstorm, landslide or avalanche, earthquake, flood, inundation, water escaping from water installations, and collision with wildlife during vehicle operation. Indemnity follows the same total/partial-loss rules and is capped at the sum insured.

1. požiaru, blesku, 2. krupobitia, víchrice, 3. zosuvu pôdy alebo lavín, zemetrasenia, povodne, záplavy, vody z vodovodných zariadení, 4. stretu so zverou počas prevádzky poisteného vozidla

[87] Vandalism: Covered ↩

Covers damage to the insured vehicle caused by a person other than the insured ('zásah cudzej osoby'), regardless of the form of fault (intentional or negligent). Indemnity follows the same total/partial-loss rules and is capped at the sum insured.

6. zásahu cudzej osoby.

[88] Roadside assistance: €200 ↩

Included free of charge for accident, breakdown or theft events for the duration of the cover, available 24 hours a day/365 days a year via a dedicated hotline (+421 2 57 88 97 77). In Slovakia/Czech Republic: on-site repair or towing to the nearest workshop up to €100 per event, vehicle storage up to €10/day for 5 days. Abroad: on-site repair or towing up to €200 per event, storage up to €10/day for 5 days, plus scrapping contribution up to €200. Additional services include replacement transport/accommodation and, abroad, a replacement driver and legal assistance, all subject to per-service limits.

príjazd cestnej služby, oprava vozidla na mieste dopravnej nehody, pokiaľ je možná (náhradné diely si hradí vodič sám), vyprostenie a naloženie vozidla, odťah vozidla do najbližšieho servisu schopného vozidlo opraviť, v maximálnom limite 100 eur na jednu poistnú udalosť

[89] Replacement vehicle: €350 ↩

Automatically included in the base policy: rental cost of a replacement vehicle while the insured vehicle is being repaired after an accident, natural peril, partial theft, or vandalism, or until the policyholder is informed the vehicle is a total loss. Base limit is €30 per day of rental, max. 3 days per policy period (up to €90). An optional 'replacement vehicle' rider raises the daily limit to a reasonable rental price for a comparable vehicle (max. €70/day); combined with the base cover, the total limit from both is capped at €350 per policy period. Deductible for this cover is €0.

Limit plnenia za nájom náhradného vozidla je 30 eur za jeden deň nájmu náhradného vozidla, maximálne však 3 dni za jedno poistné obdobie.

[90] Driver accident: Optional ↩

If explicitly agreed in the policy, an optional add-on covers permanent injury and death resulting from an accident affecting occupants of the insured vehicle. The IPID confirms this rider is offered for M1/N1 category vehicles up to 3.5 t, motorcycles, tricycles and quad bikes, but the specific insured sum for this rider is not stated in the currently reviewed general terms and conditions (it is set out in the individual policy schedule).