Allianz Casco (own-damage car insurance) (Moje Auto)

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.

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.

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.

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.

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.

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.

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.

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.

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.