ČSOB

driver_age_experience_limit

No explicit minimum driver age or minimum driving experience stated in the policy terms or IPID. However, the pricing model takes into account the age of the policyholder/insured and their claims history over the past three years. Younger or inexperienced drivers may face higher premiums.

repair_network_requirements

The insurer covers transport of the damaged vehicle to the nearest authorized service center within Slovakia or abroad. Repair costs are reimbursed based on prices and labor rates at authorized repair shops in Slovakia in the relevant region. Repairs abroad are assessed individually; the insured must consult the insurer before proceeding. The insurer may reduce the indemnity to the level of costs that would have been charged at an authorized service in Slovakia.

territorial_scope

Coverage applies to insured events occurring on the geographic territory of Europe and the European part of Turkey. This applies to the basic comprehensive coverage and all optional add-ons.

anti_theft_requirements

The vehicle must be equipped with the prescribed anti-theft device according to the vehicle's insured value (prescribed security tiers are an integral part of the policy). The anti-theft device must be fully functional and activated whenever the vehicle is left unattended. In the event of key loss or theft, the insured must immediately report to police, take security measures and replace the locking/security systems. Theft is not covered if the prescribed anti-theft device was absent, non-functional or not activated at the time of loss.

claim_notification_deadline

The insured must notify the insurer within 15 days of a loss event (by phone to 0850 311 312 or +421 2 5966 6997, via the website www.csob.sk, or by email to infolikvidacia@csob.sk). Theft, vandalism and events involving third parties must be reported to the police without delay. In the event of a foreign claim, a police report with an official translation into Slovak must be provided. New facts regarding the extent of damage must be communicated within 15 days of the inspection or start of repair.

deductible_rules

The basic comprehensive insurance is concluded with a deductible, chosen by the policyholder, with the following options: EUR 50, EUR 100, or 5% (minimum EUR 150). The deductible is deducted from each individual claim payment for each insured risk. Exception: windscreen repair is settled without any deductible. If the insurer proves the insured had no fault and the at-fault party has MTPL, no deductible is applied. For the optional glass add-on: no deductible for repair; EUR 15 for replacement. For the replacement vehicle add-on: EUR 20 deductible.

Theft protection

Optional coverage for vehicle theft, robbery, or break-in

Glass coverage

Reduced deductible or full coverage for vehicle glass damage including windshield

Cargo and luggage insurance

Optional coverage for damage, destruction, or theft of luggage and personal items in vehicle

Passenger injury coverage

Coverage for death and permanent injury of passengers and driver from accidents

GAP insurance (financial loss coverage)

Covers difference between vehicle purchase price and market value after total loss

Vehicle inspection requirement

Mandatory vehicle inspection before policy issuance for driven vehicles

Total loss definition

Total loss defined as damage where repair costs exceed 80% of vehicle market value

Vehicle age limit

Coverage available only for vehicles maximum 10 years old

Vehicle weight limit

Coverage applies to vehicles up to 3.5 tonnes

Excluded vehicle types

Certain vehicle types cannot be insured online or at all

Deductible options

Customer can choose deductible amount or percentage

Bonus-malus system

Premium discounts for claim-free periods; surcharges for claims history