Extracted from source documents

ČSOB Casco (own-damage car insurance) (Auto Partner Casco)

Underwritten by ČSOB Poisťovňa, a.s. · Slovakia

casco (own-damage car insurance) from ČSOB for the Slovakia market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2024-02-01Sources

Online purchase24/7 helpline

Unique selling points

24/7 (NONSTOP) roadside assistance is included as standard with every policy for M1/N1 vehicles, not sold as a paid add-on.

Coverage territory extends across all of Europe and Turkey rather than being limited to Slovakia only.

Customers choose between two base packages and can tailor cover further with riders for accident, luggage, glass-deductible reduction, replacement vehicle and GAP.

The policy can be arranged fully online in a few minutes, with all documents sent by e-mail immediately afterward.

Discounts are available for combining products within the ČSOB Financial Group and for paying the premium annually.

Coverage limits

Covered

Own damage (collision, natural events, vandalism, rodents)

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.

Clause Článok 5Page 4

Section: Rozsah poistenia

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

Covered

Total loss / destruction of vehicle

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.

Page 11

Section: Poistné plnenie > B. Poistné plnenie za vozidlo a jeho výbavu

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.

Covered

Partial damage repair

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.

Page 11

Section: Poistné plnenie > B. Poistné plnenie za vozidlo a jeho výbavu

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.

Optional · Article 5(1)(b) VPP – theft package

Theft, robbery and burglary

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.

Page 1

Section: Čo je predmetom poistenia?

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

Covered

Vehicle 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).

Clause Článok 5Page 4

Section: Rozsah poistenia

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.

Covered

Natural perils (fire, flood, storm, hail, etc.)

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'.

Page 19

Section: Výklad pojmov

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.

Covered

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.

Page 18

Section: Výklad pojmov

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.

Covered

24/7 (NONSTOP) 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.

Page 1

Section: ROZSAH VYUŽITIA A PODMIENKY ASISTENČNÝCH ČSOB ASSISTANCE

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

Optional · Article 17 VPP

Replacement vehicle rider

€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.

Page 14

Section: Poistenie náhradného vozidla

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

Optional · Article 14 VPP

Accident insurance for transported persons

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.

Clause Článok 14Page 12

Section: Úrazové poistenie prepravovaných osôb

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.

Key conditions

Driver age and experience limit

No explicit driver age or experience eligibility limit is stated in the reviewed policy documents; driver age/experience is used only as a pricing (premium) factor, not as an eligibility criterion.

Repair network requirements

Reasonable repair costs are assessed against new part prices and authorised-repairer labour rates applicable in the relevant SR region; a vehicle that has no authorised service network in Slovakia cannot normally be insured, unless the insurer decides otherwise. Repairs abroad are assessed individually and must be consulted with the insurer in advance.

Anti-theft requirements

The vehicle must be secured with at least the prescribed anti-theft device (per the vehicle-security schedule attached to the policy), which must remain functional and be activated whenever the vehicle is left unattended; theft claims are void if the device was missing, non-functional, or not activated at the time of loss.

Claim notification deadline

Any insured event must be reported to the insurer without unnecessary delay, no later than 15 days, via the website or the claims phone line; accidents/theft/vandalism must also be reported immediately to the police where required, and follow-up facts about the extent of damage must be reported within 15 days of the inspection or start of repair.

Deductible rules

A deductible applies separately for the base coverage and separately for each rider, deducted per individual claim event, except for windshield repair (not replacement) which is settled without any deductible deduction. No deductible is applied if it is clearly established that the insured had no fault and a known at-fault third party with valid MTPL cover exists. For BEV/PHEV vehicles, special deductibles apply (e.g. 700 EUR for battery-only damage, 100 EUR for glass damage), and no deductible applies to flood/hail/windstorm claims above 1,000 EUR.

Direct payment

Premium for the insurance period (usually 12 months) is due on the first day of the insurance period and cannot be paid in instalments; payment is made by postal money order, bank transfer or cash deposit to the insurer's account according to the insurer's instructions.

Territorial scope

Coverage applies to insured events occurring within the geographic territory of Europe and the European part of Turkey, as agreed in the policy (the IPID states 'all states of Europe and Turkey'). Marketing materials indicate that riders for wildlife collision, natural events and theft may be limited to the territory of the Slovak Republic only, though the base VPP terms do not state this restriction explicitly.

Documents

Insurance Product Information Document (IPID) – Casco (Auto Partner) (opens in a new tab)

Product information sheet · PDF

General Insurance Terms and Conditions for Motor Vehicle Insurance Auto Partner (VPP) (opens in a new tab)

Terms & conditions · PDF

Conditions and scope of assistance services for Casco insurance Auto Partner (opens in a new tab)

Other document · PDF

Policy specifics

Theft coverage

Coverage for vehicle theft, robbery, and breaking and entering

SourcePage 1

Section: Čo je predmetom poistenia?

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

Rodent damage

Coverage for vehicle damage caused by rodents including biting through electrical cables, hoses, and insulation

Source

Section: Havarijné poistenie vozidla > S našim poistením získate

Poistné krytie poškodenia alebo zničenia vozidla v prípade: havárie, krádeže, živelnej pohromy, vandalizmu alebo hlodavcami ,

Vehicle glass coverage

Coverage for all vehicle glass (front, side, and rear windows) excluding connected items like license plates

Source

Section: Havarijné poistenie vozidla > Voliteľné pripoistenia k havarijnému poisteniu

poistenie skiel (s výnimkou strešných a panoramatických okien),

GAP insurance (financial loss protection)

Optional add-on covering financial loss between insurance payout and loan balance in case of total loss

Source

Section: Havarijné poistenie vozidla > Voliteľné pripoistenia k havarijnému poisteniu

poistenie finančnej straty (GAP), vhodné najmä pre nové autá,

Passenger injury coverage (accident insurance)

Optional coverage for permanent injury consequences, death from accident, and daily indemnity for transported persons

Source

Section: Havarijné poistenie vozidla > Voliteľné pripoistenia k havarijnému poisteniu

úrazové poistenie prepravovaných osôb vrátane vodiča,

Baggage and personal items coverage

Optional coverage for damage or destruction of baggage in vehicle due to insured natural events

Source

Section: Havarijné poistenie vozidla > Voliteľné pripoistenia k havarijnému poisteniu

poistenie batožiny,

BEV/PHEV/HEV battery and wallbox cover

For electrified vehicles, cover extends to destruction/damage of the traction battery and related technology (collision, vandalism, natural event, rodents, explosion, self-ignition) and to damage of the owner's home wallbox from collision, natural event, vandalism, theft, rodents, short circuit and certain technical defects

SourcePage 4

Section: Rozsah poistenia > Osobitné ustanovenia pre BEV vozidlá

zničenie alebo poškodenie batérie a s ňou súvisiacej technológie určenej na pohon vozidla v dôsledku havárie, vandalizmu a živelnej udalosti, hlodavcami, explóziou a samovznietením, zničenie alebo poškodenie nabíjacej stanice („wallboxu“) v dôsledku nárazu vozidla do nabíjacej stanice...

Vehicle inspection requirement

Vehicle inspection with photographic documentation required before policy inception for used vehicles

Source

Section: Často kladené otázky

Po uzatvorení havarijného poistenia vám príde e-mail s odkazom, kam vložíte potrebnú fotodokumentáciu.

Maximum vehicle age

Policy covers vehicles up to maximum 10 years from first registration

Source

Section: Často kladené otázky

Poistiť môžete auto, ktoré má maximálne 10 rokov.

Maximum vehicle weight

Coverage limited to vehicles with maximum permissible weight up to 3.5 tonnes

Source

Section: Havarijné poistenie vozidla

Poistenie je určené pre osobné a dodávkové motorové vozidlá do 3,5 tony vrátane štandardnej alebo mimoriadnej výbavy.

Excluded vehicle types

Online policy not available for taxi vehicles, rental cars, hazardous cargo vehicles, historical vehicles, or vehicles designated for foreign trade transport

Source

Section: Často kladené otázky

Online nie je možné poistiť vozidlá taxislužby, autopožičovne, vozidlá na prevoz nebezpečného nákladu, s prednostným právom jazdy, historické vozidlá a vozidlá určené na prepravu tovaru do zahraničia.

Deductible (spoluúčasť) options

Fixed deductible options: 50 EUR or 100 EUR per claim, or percentage-based: 5% (minimum 150 EUR)

Source

Maximum insurance sum

Maximum insurance sum for comprehensive coverage is 50,000 EUR

Source

Total loss threshold

Total loss (economically unfeasible repair) occurs when reasonable repair costs exceed 80% of the vehicle's market value at the time of the loss.

SourcePage 16

Section: Výklad pojmov

Ekonomicky neúčelná oprava vozidla je, ak náklady na opravu poškodeného vozidla presiahnu 80 % všeobecnej hodnoty vozidla.

Policy term (Poistná doba)

Indefinite term (do doby neurčitej) with standard 12-month policy period; auto-renews unless notice given

Source

24/7 roadside assistance services

Standard inclusion: 24/7 technical and administrative-legal assistance included for vehicles in categories M1 and N1 (passenger and light commercial vehicles)

Source

Exclusion: Subsequent and collateral damages

Policy does not cover any indirect damages, lost wages, vehicle unavailability, legal representation costs, translation services, or similar collateral expenses

Source

Sources

ČSOB Casco (own-damage car insurance)

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