Extracted from source documents

Generali Casco (own-damage car insurance) (Casco Automax)

Underwritten by Generali Poisťovňa, pobočka poisťovne z iného členského štátu · Slovakia

casco (own-damage car insurance) from Generali for the Slovakia market, with online purchase.

Verified Aug 26, 2026 · Terms dated 2025-12-11Sources

Online purchase

Unique selling points

Get a KASKO quote and buy fully online in about 5 minutes, with no-claims bonuses of up to 50%.

New vehicles receive 2 years of Financial Loss (GAP) cover included free of charge.

Build your own cover and pay only for the modules you actually need, choosing from nine optional add-ons.

Optional glass cover settles claims with no deductible and without affecting your no-claims bonus.

Used-vehicle inspections can be completed remotely via Generali's own mobile app instead of an in-person visit.

Coverage limits

Covered

Own Damage (Collision/Accident)

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).

Clause 3Page 7

Section: B Informácie o predmete a rozsahu poistenia > 3. Aké sú možné príčiny zničenia alebo poškodenia vozidla

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

Covered

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.

Clause 8aPage 12

Section: E Informácie o poistnom plnení > 8. Informácie o poistnom plnení > a) Kedy považujeme škodu za totálnu

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

Covered

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.

Clause 8bPage 12

Section: E Informácie o poistnom plnení > 8. Informácie o poistnom plnení > b) Kedy považujeme škodu za čiastočnú

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.

Covered

Theft, Robbery and Unauthorized Use

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.

Clause 8ePage 13

Section: E Informácie o poistnom plnení > 8. Informácie o poistnom plnení > e) Odcudzenie vozidla a postup po jeho nájdení

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

Optional

Glass Coverage

€2K

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.

Clause 14Page 18

Section: G Doplnkové poistenia > 14. Doplnkové poistenie skiel na vozidle

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

Covered

Natural Perils (Živelná udalosť)

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.

Clause 3Page 7

Section: B Informácie o predmete a rozsahu poistenia > 3. Aké sú možné príčiny zničenia alebo poškodenia vozidla

živelná udalosť,

Covered

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.

Clause 3Page 8

Section: B Informácie o predmete a rozsahu poistenia > 3. Aké sú možné príčiny zničenia alebo poškodenia vozidla

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

Covered

Roadside Assistance (KLASIK / PREMIUM)

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.

Page 1

Section: Čo je predmetom poistenia?

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

Optional

Replacement Vehicle Coverage

€2K

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.

Clause 13cPage 17

Section: G Doplnkové poistenia > 13. Doplnkové poistenie náhradného vozidla > c) Ako posudzujeme poistné plnenie?

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

Optional

Accident Insurance for Driver and Passengers

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.

Clause 18Page 19

Section: G Doplnkové poistenia > 18. Doplnkové poistenie úrazu dopravovaných osôb vrátane vodiča

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

Key conditions

Driver age and experience limit

None of the reviewed documents (T&Cs or IPIDs) state a minimum driver age or driving-experience requirement; eligibility conditions in these sources relate to the vehicle (age, category, weight), not the driver.

Repair network requirements

Using Generali's contracted repair-service network gives more favourable settlement terms; repairs outside the network are still covered but the benefit is calculated as if performed in the contracted network, and for non-contracted workshops the labour rate is capped (36.00 EUR incl. VAT/hour).

Anti-theft requirements

The vehicle must be secured against theft using a security device; on leaving the vehicle it must be locked and the device activated and kept in working order at all times. The type and number of required security devices is fixed in the policy.

Claim notification deadline

The policyholder must notify Generali of a claim event without delay, no later than 15 days from becoming aware of it; failure to do so may lead to reduced benefit.

Deductible rules

The deductible is a contractually fixed amount, percentage, or combination of both, deducted from every claim payout; some optional add-ons carry their own separate deductible. An increased deductible applies if a used vehicle's mandatory inspection was not completed before the event, automatically reverting to the standard deductible once the inspection is done.

Direct payment

Repairs carried out at Generali's contracted service network are settled directly with the workshop under agreed terms; repairs at non-contracted workshops are also covered but the insurer calculates the benefit as if the repair had been done in the contracted network. Windscreen replacements via the contracted glass-repair network are also cashless.

Territorial scope

Coverage applies across Europe and Turkey, but explicitly excludes Belarus, Iran, North Korea, Cuba (with a US element), the Russian Federation, Syria, Venezuela (with a US element), and the Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions.

Documents

General Terms and Conditions for Casco Insurance 2021 (ed. 21.4, effective 11.12.2025) (opens in a new tab)

Terms & conditions · PDF

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

Product information sheet · PDF

Casco Insurance AUTOMAX – Insurance Product Information Document (earlier edition) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Financial Loss (GAP) Insurance

Optional coverage for new vehicles covering financial loss between vehicle's cost and residual value in total loss or theft cases

Source

Glass Coverage

Optional coverage for vehicle glazing (windscreen, rear, side and roof windows, headlight and mirror glass) damage from accidents, natural disasters, vandalism or theft

Source

Electric/Plug-in Hybrid Vehicle Battery Coverage

Optional coverage for damage to EV/PHEV battery caused by short circuit, overvoltage, fire or vandalism, including charging cables and charging equipment

Source

Non-Standard Equipment Coverage

Optional coverage for damage to non-standard vehicle equipment and accessories exceeding factory standard

Source

Baggage and Personal Items Coverage

Optional coverage for personal belongings in vehicle damaged due to accident, natural disaster, vandalism or theft

SourcePage 14

Section: Čo je predmetom poistenia?

poistenie batožiny a vecí osobnej potreby sa vzťahuje na poškodenie, zničenie alebo zmocnenie sa batožiny dopravovanej vozidlom v súvislosti s haváriou, živelnou udalosťou alebo krádežou s plnením do výšky dohodnutej v poistnej zmluve.

Passenger Injury Coverage

Optional coverage for injury or death of vehicle occupants and driver resulting from traffic accident

Source

Vehicle as Working Equipment Coverage

Optional coverage for damage occurring during vehicle operation as working equipment/machinery (e.g., construction vehicles), limited to vehicles under 3,500 kg

Source

SOS Partner Service

Optional assistance service providing roadside emergency support and coordination

Source

Premium Assistance Services

Extended assistance service package providing broader coverage and higher claim limits than standard KASKO KLASIK

Source

Vehicle Inspection Requirement

Mandatory vehicle inspection with written documentation and photographic evidence before insurance activation for used vehicles; not required for new vehicles

SourceClause 1Page 7

Section: B Informácie o predmete a rozsahu poistenia > 1. Čo máte poistené

Obhliadka je zdokumentovanie stavu vozidla pri vstupe do poistenia, ak poisťujete jazdené vozidlo. Ak poisťujete nové vozidlo, obhliadka nie je potrebná.

Security Device Requirement

Vehicle must be equipped with functional security devices to be eligible for insurance under improved terms/discounts

Source

Section: Havarijné poistenie Generali poisťovňa a.s. - AUTOMAX > Obhliadka vozidla a zabezpečenie proti krádeži > Zabezpečenie vozidla proti krádeži

Vozidlo musí byť vybavené proti krádeži niektorým zabezpečovacím systémov podľa výšky poistnej sumy a veku vozidla .

Contracted Repair Network Requirement

Better insurance premium and terms available when using Generali's recommended contracted service network for repairs

Source

Deductible (Co-insurance) Selection

Policyholder selects fixed deductible amount or percentage (starting from 5% minimum 165 EUR up to 30%) that applies to claims

SourceClause 9Page 14

Section: E Informácie o poistnom plnení > 9. Čo je spoluúčasť?

je stanovená v poistnej zmluve pevnou sumou, percentom, prípadne ich kombináciou,

Territorial Coverage Limit

Insurance covers damage occurring on geographic territory of Europe and entire territory of Turkey only

SourcePage 14

Section: Kde sa na mňa vzťahuje krytie?

Poistenie je platné a kryje škody, ktoré vzniknú na geografickom území Európy a na celom území Turecka.

Vehicle Age Eligibility

Insurance available only for vehicles aged 0-15 years at policy inception; applies to personal vehicles up to 3.5 tonnes and other vehicles over 3.5 tonnes

Source

Total Loss Determination Threshold

Total loss occurs when reasonable repair costs exceed 85% of vehicle's general market value at time of damage

Source

Glass Coverage Bonus Impact Exception

When Glass Coverage optional insurance is not purchased, glass damage claims are covered from base insurance but deductible applies and claim affects bonus rating; when Glass Coverage is purchased, damage is covered without deductible and does not affect bonus

Source

Premium Payment Frequency Options

Policyholder can choose between annual, semi-annual, or quarterly premium payments

SourceClause I.bPage 27

Section: I Čo všetko musíte vedieť o poistnom? > b) Môžete platiť poistné v splátkach?

Poistné môžete platiť aj v splátkach, ak si to dohodneme v poistnej zmluve.

Bonus for Claims-Free History

Policyholder with claims-free driving history may receive premium discounts or bonus reduction on renewal

SourceClause FPage 14

Section: F Ako zohľadňujeme bezškodový alebo škodový priebeh poistenia?

Bonus je zníženie poistného za bezškodový priebeh poistenia v predchádzajúcom poistnom období.

Sources

Generali Casco (own-damage car insurance)

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