ČSOB Poisťovňa, a.s.

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.

Territorial scope

Base cover applies across Europe and the European part of Turkey (IPID: 'all states of Europe and Turkey'). Marketing pages state that riders for wildlife collision, natural events and theft may be limited to the territory of the Slovak Republic only.

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.

Theft coverage

Coverage for vehicle theft, robbery, and breaking and entering

Rodent damage

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

Vehicle glass coverage

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

GAP insurance (financial loss protection)

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

Passenger injury coverage (accident insurance)

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

Baggage and personal items coverage

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

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

Vehicle inspection requirement

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

Maximum vehicle age

Policy covers vehicles up to maximum 10 years from first registration

Maximum vehicle weight

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

Excluded vehicle types

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

Deductible (spoluúčasť) options

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

Maximum insurance sum

Maximum insurance sum for comprehensive coverage is 50,000 EUR

Total loss threshold

Total loss (wirtschaftlicher Totalschaden) occurs when reasonable repair costs exceed 80% of vehicle's market value at time of loss

Policy term (Poistná doba)

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

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)

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