Generali
Generali is a motor casco insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
Insurer pays the claim directly to the insured in EUR to the bank account specified by the insured, or to the last known address. In the case of repair, payment is made after submission of the original repair invoice. For glass claims, payment is based on invoice from a contracted service partner. Towing and roadside assistance costs are only covered under the separately contracted assistance service conditions.
Geographic scope
Europe + Turkey
Geografické územie Európy a celé územie Turecka, s výnimkou krajín s úplným embargom (Bielorusko, Irán, KĽDR, Kuba s americkým prvkom, Ruská federácia, Sýria, Venezuela s americkým prvkom, Krymský región, Donecký región, Chersonský región, Luhanský región, Záporožský región)
Unique selling points
- Standard KASKO KLASIK roadside assistance is included free of charge in every policy, with a premium KASKO PREMIUM upgrade available as an add-on.
- GAP financial loss insurance is provided free of charge for the first 2 years on new vehicles when the highest coverage package is selected.
- Vehicle inspection can be completed entirely via a smartphone app, enabling instant online policy issuance without visiting a branch.
- Claims-free bonus system offers premium discounts up to 50% for a 36-month accident-free history, with natural perils, vandalism and theft claims not counting against the bonus.
- Dedicated EV/PHEV battery insurance add-on covers the traction battery, charging cables and home charging station against short circuit, overvoltage, fire, theft and vandalism — perils excluded from the standard base policy.
Coverage limits
Own vehicle damage (collision/accident)
Covered
Covers damage or destruction of the insured vehicle resulting from an accidental and unforeseeable accident (collision with a stationary object or moving object). The insured sum is set at new vehicle value. In case of partial loss, the insurer pays reasonable repair costs less the agreed deductible. In case of total loss (repair costs exceed 85% of the vehicle's general value), the insurer pays the general value of the vehicle at the time of the loss, less salvage value and agreed deductible.
Total loss
Covered
Total loss is declared when reasonable repair costs exceed 85% of the vehicle's general value at the time of the loss event. In this case the insurer pays the general value of the vehicle at the time of the loss, reduced by the salvage value (market value of the destroyed vehicle as a whole) and the agreed deductible. For repairs performed abroad, the total loss threshold is set at 100% of the vehicle's general value.
Partial loss (repair)
Covered
Partial loss covers all damage not classified as total loss (repair costs do not exceed 85% of general vehicle value). The insurer pays reasonable repair costs actually incurred, reduced by the agreed deductible. Reasonable costs are capped at new replacement parts prices, manufacturer time norms, and authorised service labour rates applicable in Slovakia. For non-authorised service repairs, the hourly labour rate is capped at 36.00 EUR incl. VAT (VPP HAV 21.4) or estimated by budget calculation at 22.00 EUR excl. VAT.
Theft, robbery and unauthorised use
Optional
Optional coverage (included in KOMFORT package, excluded from BASIC/PLUS packages) for theft (unauthorised seizure of the vehicle with intent to treat it as own), robbery (use of force or threat of force to seize the vehicle), or unauthorised use of the vehicle. In the case of theft or robbery, the insurer pays the general value of the vehicle at the time of the loss, reduced by the agreed deductible. Anti-theft device requirements apply based on insured sum and vehicle age. All vehicle keys, remote controls, and identification tags must be surrendered to the insurer after a theft claim.
Glass damage insurance
Optional
Optional add-on covering damage or destruction of vehicle glazing (windscreen, rear, side and roof windows). Maximum benefit is 2,000 EUR per policy period, with a maximum of 2 claims per period. Payment is based on the invoice from an authorised contracted service partner; if replaced outside the contracted network, the benefit equals what would have been paid in the contracted network. Without this add-on, glass damage is covered under the base policy but subject to the standard deductible and affects the bonus level.
Natural perils (elemental events)
Covered
Optional extended coverage (included in KOMFORT and PLUS packages) covering damage or destruction caused by natural perils including: fire, explosion, lightning strike, aircraft impact, flood, storm (wind speed ≥75 km/h), hail, landslide, avalanche, falling trees/poles, earthquake (≥6th degree EMS-98), rodents/vermin. Also covers vandalism (intentional damage or destruction by a third party not authorised to use the vehicle). Damage caused by natural perils or vandalism does not affect the bonus level if reported to police (for vandalism).
Vandalism
Covered
Vandalism (intentional damage or destruction of the vehicle or its parts by a third party not authorised to use the vehicle) is covered under the extended coverage package together with natural perils (KOMFORT and PLUS packages). Vandalism claims reported to police do not affect the bonus level. Payout follows the same partial/total loss rules as standard own damage coverage.
Roadside assistance (KASKO KLASIK)
Covered
Standard KASKO KLASIK assistance package is included at no extra charge for personal and light commercial vehicles up to 3,500 kg GVW. A premium assistance package (KASKO PREMIUM) is available as an optional paid add-on with extended coverage limits. Assistance must always be contacted before using the service. The insurer does not cover towing costs under the base casco policy; towing is only reimbursed within the scope and limits defined in the relevant assistance service special conditions.
Replacement vehicle insurance
Optional
Optional add-on covering rental vehicle costs during the repair period following a covered partial loss event where repair is carried out in Slovakia and takes more than one day, or following total loss or theft (rental must commence within 15 days of the loss event). Maximum limit is 2,000 EUR per policy period, up to 3 claims per period. Daily rate and maximum rental days are specified in the policy. Excludes fuel, maintenance, washing and cleaning costs of the rental vehicle. For used vehicles up to 3,500 kg GVW, 3 days of replacement vehicle coverage with a daily limit of 30 EUR is included free of charge.
Passenger and driver accident insurance
Optional
Optional add-on covering accidental bodily injury to the driver and all passengers during vehicle operation. Covers: death due to injury (basic sum 3,500 EUR per person), permanent consequences of injury (basic sum 7,000 EUR per person), and duration of necessary medical treatment (basic sum 700 EUR per person). Multiple multipliers available: 1x, 2x, 3x or 4x the basic sums. Benefit is assessed using the insurer's actuarial tables A and B. If more persons are carried than permitted by the vehicle registration certificate, benefits are reduced proportionally. Non-use of a seatbelt can reduce the benefit by up to 50%.
Key conditions
driver_age_experience_limit
No specific minimum driver age or driving experience requirement is stated in the policy terms. Coverage applies to any driver who holds the required valid driving licence for the relevant vehicle category. The insurer will not pay if the driver lacked the required driving licence, had a suspended licence, or had a penalty of a driving ban at the time of the loss.
repair_network_requirements
For standard claims the insured may choose any repair facility. However, if a restricted coverage variant is agreed in the policy (limited coverage for accidents caused solely by another party, Article IV §3), repair payment is based on the invoice from the insurer's recommended contracted service. If the repair is performed outside the contracted network in this variant, the insurer calculates the benefit by budget. For glass claims, if repair/replacement is done outside the contracted network, the benefit is calculated as if it had been done in the contracted network. For non-authorised services, labour is capped at EUR 36.00/hour incl. VAT (VPP HAV 21.4).
territorial_scope
The insurance is valid in the geographic territory of Europe and the entire territory of Turkey, except for countries subject to full embargo (Belarus, Iran, DPRK, Cuba with US element, Russian Federation, Syria, Venezuela with US element, Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions). For partial loss repairs abroad, prior written approval from the insurer is mandatory and the total loss threshold is 100% of the vehicle's general value.
anti_theft_requirements
For vehicles up to 3,500 kg GVW, the minimum number of anti-theft devices required depends on the insured sum and vehicle age: insured sum up to 20,000 EUR: 1 device for vehicles 5–7 years old, 0 for 8+ years; insured sum 20,001–70,000 EUR: 2 devices for 5–7 years, 1 for 8+ years; insured sum above 70,001 EUR: 3 devices for 5–7 years, 2 for 8+ years. Devices of the same type cannot be duplicated. For vehicles over 3,500 kg: immobiliser in ignition key, mechanical anti-theft device, or car alarm required. For motorcycles: hardened steel security lock required. All devices must be functional and installed by a licensed installer. If mandatory devices are not active at the time of loss, the insurer may reduce the benefit.
claim_notification_deadline
The insured must notify the insurer of a loss event without undue delay, at the latest within 15 days from the moment of discovering the loss event. Notification can be made online via generali.sk, by telephone (+421 2 38 11 11 17), via the client zone, or in writing by post. In the case of theft or suspected criminal offence, the police must be notified immediately. If the stolen vehicle is subsequently found, the insured must notify the insurer within 7 days of discovering this fact.
deductible_rules
The policy is concluded with a deductible (excess), the amount of which is specified in the policy contract. The deductible can be set as a fixed amount, a percentage, or a combination of both. A higher (increased) deductible applies if a loss event occurs before the mandatory vehicle inspection has been completed (applicable to used vehicles). Once the inspection is completed, the deductible automatically reverts to the standard agreed level. Add-on coverages are also subject to their own deductibles as specified in the policy. The deductible is deducted from the total damage amount for each individual loss event.
Where to buy
Documents
Všeobecné poistné podmienky pre havarijné poistenie motorových vozidiel VPP HAV 16 (effective 23.5.2024)
terms_and_conditions
Informačný dokument o poistnom produkte – Havarijné poistenie Automax (IPID, 2024)
ipid
Príručka k havarijnému poisteniu motorového vozidla – VPP HAV 21.4 (effective 11.12.2025)
terms_and_conditions
Policy specifics
Financial loss insurance (GAP)
Optional add-on covering the difference between vehicle purchase price and market value in case of total loss or theft
Glass insurance
Optional coverage for windscreen, side windows, rear windows and roof glass damage or destruction
Passenger injury insurance
Optional coverage for permanent injury consequences, death, and necessary medical treatment costs for vehicle occupants
Baggage and personal items insurance
Optional coverage for damage, destruction or theft of baggage and personal items in the vehicle
Non-standard equipment insurance
Optional coverage for damage to custom or aftermarket vehicle equipment not included in standard coverage
Electric vehicle battery insurance
Optional coverage specifically for EV/PHEV battery damage from short circuit, overvoltage, fire, theft and vandalism
Vehicle working machine coverage
Optional coverage for damage when vehicle is used as a working machine or work tool
Deductible/Excess selection
Policyholder can choose deductible percentage or fixed amount, starting from 5% minimum EUR 165 up to 30%
Vehicle inspection requirement
Mandatory vehicle inspection before policy inception for used vehicles; new vehicles exempt
Claims notification deadline
Insured must report claim event to insurer immediately, no later than 15 days from discovery
Geographic coverage area
Insurance covers vehicle damage in Europe and entire territory of Turkey, excluding countries under international sanctions
Claims-free bonus system
Insured receives bonus discount for claims-free period; bonus not applied if loss caused by natural disaster or vandalism
Total loss threshold
Total loss occurs when reasonable repair costs exceed 85% of vehicle's general value at time of loss
New vehicle valuation basis
Insurance calculated on new vehicle value (new condition same type/quality/equipment price in SR at time of purchase)
Premium payment options
Annual single payment or installments: semi-annual or quarterly payment options available
Included roadside assistance
Standard KASKO assistance package included free; Premium assistance available as optional add-on