Generali Poisťovňa, branch of an insurance company from another member state
Generali
Generali is a motor casco insurance for the Slovakia market with online purchase and limited assistance availability.
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.
Geographic scope
Geographic territory of Europe and the entire territory of Turkey, excluding countries under full embargo
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.
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
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).
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.
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.
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.
Glass Coverage
€2,000
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.
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.
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.
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.
Replacement Vehicle Coverage
€2,000
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.
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.
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).
Territorial scope
Coverage applies to the geographic territory of Europe and the entire territory of Turkey, excluding countries subject to full international embargo (currently Belarus, Iran, North Korea, Cuba with a US element, Russia, Syria, Venezuela with a US element, and the Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions).
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.
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
SourceGlass Coverage
Optional coverage for vehicle glazing (windscreen, rear, side and roof windows, headlight and mirror glass) damage from accidents, natural disasters, vandalism or theft
SourceElectric/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
SourceNon-Standard Equipment Coverage
Optional coverage for damage to non-standard vehicle equipment and accessories exceeding factory standard
SourceBaggage and Personal Items Coverage
Optional coverage for personal belongings in vehicle damaged due to accident, natural disaster, vandalism or theft
SourcePassenger Injury Coverage
Optional coverage for injury or death of vehicle occupants and driver resulting from traffic accident
SourceVehicle 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
SourceSOS Partner Service
Optional assistance service providing roadside emergency support and coordination
SourcePremium Assistance Services
Extended assistance service package providing broader coverage and higher claim limits than standard KASKO KLASIK
SourceVehicle Inspection Requirement
Mandatory vehicle inspection with written documentation and photographic evidence before insurance activation for used vehicles; not required for new vehicles
SourceSecurity Device Requirement
Vehicle must be equipped with functional security devices to be eligible for insurance under improved terms/discounts
SourceContracted Repair Network Requirement
Better insurance premium and terms available when using Generali's recommended contracted service network for repairs
SourceDeductible (Co-insurance) Selection
Policyholder selects fixed deductible amount or percentage (starting from 5% minimum 165 EUR up to 30%) that applies to claims
SourceTerritorial Coverage Limit
Insurance covers damage occurring on geographic territory of Europe and entire territory of Turkey only
SourceVehicle 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
SourceTotal Loss Determination Threshold
Total loss occurs when reasonable repair costs exceed 85% of vehicle's general market value at time of damage
SourceGlass 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
SourcePremium Payment Frequency Options
Policyholder can choose between annual, semi-annual, or quarterly premium payments
SourceBonus for Claims-Free History
Policyholder with claims-free driving history may receive premium discounts or bonus reduction on renewal
Source