Generali Poisťovňa, branch of an insurance company from another Member State, user of the Genertel trademark
Genertel
Genertel is a motor casco insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The insurer generally pays the claim settlement in cash to the policyholder's bank account or last known address, based on submitted repair invoices or an internal calculation (rozpočet); for some services performed via the insurer's contracted workshop network (e.g. glass replacement), settlement can be arranged directly with the workshop.
Geographic scope
Europe and the whole territory of Turkey
Coverage applies across the geographic territory of Europe and the whole territory of Turkey, excluding countries under full international sanctions embargo (e.g. Belarus, Iran, North Korea, Russia, Syria, Venezuela with a US nexus, and certain Ukrainian regions).
Unique selling points
- Optional Elektro add-on protects the EV/hybrid drive battery, charging cables and a customer's own home wallbox — coverage competitors often exclude by default.
- GAP (financial loss) add-on can be arranged with deductible reimbursement, so a total loss or theft payout is not reduced by the deductible.
- New vehicles require no physical pre-inspection, and used vehicles can be self-inspected via an online/mobile app instead of waiting for an insurer technician.
- Free 24/7 KLASIK roadside assistance across Slovakia, Europe and Green Card countries is bundled into the base CASCO product at no extra charge.
Coverage limits
Collision / own damage (havária)
Covered
Only in základný balíček, rozšírený balíček
Covers damage or destruction of the vehicle caused by a random, unforeseeable collision (impact with a stationary obstacle or a moving object). This is part of the základné poistné krytie (basic insurance cover) and its limit is the poistná suma (insured sum) agreed in the policy.
Total loss settlement
Covered
Damage is treated as a total loss if the reasonable repair cost exceeds 85% of the vehicle's general (market) value at the time of the claim (100% if the Elektro battery add-on is agreed, or for repairs carried out abroad). Payout equals the general value minus the value of usable remains and the agreed deductible.
Partial damage repair
Covered
If repair costs do not exceed the total-loss threshold, the insurer reimburses reasonably incurred repair costs less the agreed deductible. Repairs outside an authorised brand workshop are capped at €36.00/hour incl. VAT; the budget/estimate method (rozpočet) uses €22.00/hour excl. VAT.
Theft, robbery and unauthorised use
Optional
Only in rozšírený balíček
Genertel's own product page states that vehicle theft cover is included only in the extended package: if the vehicle is stolen, the customer is compensated up to its value. Under the general VPP HAV 21 terms, odcudzenie (theft, robbery, unauthorised use) is grouped together with havária, živel and vandalizmus as základné poistné krytie, but which of these perils actually apply is set per individual contract.
Vehicle glass insurance
€2,000
Optional supplementary insurance covering window glass (front, rear, side, roof). Claims are payable up to twice per insurance period, with a maximum total limit of €2,000 per period. Replacement via the insurer's contracted workshop network is settled by invoice; replacement elsewhere is calculated as if done in-network.
Natural hazard / živel cover
Covered
Only in základný balíček, rozšírený balíček
Covers damage caused by natural phenomena such as fire, lightning strike, earthquake, flood, inundation, windstorm, and falling trees. Included as part of the base package alongside havária and vandalizmus.
Vandalism
Covered
Only in základný balíček, rozšírený balíček
Covers intentional damage to or destruction of the vehicle caused by a third party not authorised to use it. Included as part of the base package.
Roadside assistance
Conditional
Only in KLASIK, PREMIUM
KLASIK assistance is included for passenger and light commercial vehicles up to a total weight of 3,500 kg (roadside repair, towing, vehicle storage, replacement vehicle). A higher-tier PREMIUM assistance package is available as a paid supplementary insurance. Assistance cover does not apply to rental-fleet, taxi or historic vehicles, and claims must be reported to the assistance company immediately.
Replacement vehicle insurance
€2,000
Optional supplementary insurance reimbursing rental costs for a replacement vehicle during repair of the insured vehicle (partial loss) or after a total loss/theft. It can be used up to three times per insurance period, with a combined limit of €2,000 per period, subject to the agreed deductible; fuel, maintenance and cleaning of the rental vehicle are excluded.
Accident insurance for driver and passengers
Optional
Optional supplementary insurance covering the driver and passengers of the insured vehicle for death, permanent injury, or necessary treatment period resulting from an accident occurring while the vehicle is in operation. Sums insured are agreed individually in the policy contract; the current general terms do not state fixed default amounts.
Key conditions
Driver age and experience limit
The provided policy documents do not specify a minimum driver age or driving experience requirement for this CASCO product.
Repair network requirements
Partial-damage claims are reimbursed based on repair invoices for reasonable costs. Repair outside an authorised brand workshop is capped at €36.00/hour incl. VAT (or €22.00/hour excl. VAT if settled by internal calculation/rozpočet), unless the insurer itself recommends the non-contracted workshop. A VAT-registered policyholder must have the vehicle repaired only by VAT-registered repairers.
Territorial scope
Coverage applies within the geographic territory of Europe and the whole territory of Turkey, excluding countries subject to full international sanctions embargo.
Anti-theft requirements
The policyholder must secure the vehicle against theft using anti-theft device(s); the type and number of required devices are individually agreed and stated in the insurance contract, and the devices must be kept in working order.
Claim notification deadline
The policyholder must notify the insurer of a claim without undue delay, and no later than 15 days after becoming aware of it.
Deductible rules
A deductible applies unless agreed otherwise; it can be a fixed sum, a percentage, or a combination, as stated in the policy. If the pre-inspection of the vehicle was not carried out before a claim occurs, an increased deductible applies; it reverts automatically to the standard amount once the inspection is completed.
Policy specifics
Theft coverage
Optional extended coverage for vehicle theft, available in extended package
SourceSource no longer reachableNatural disaster coverage
Coverage against damage from natural phenomena including fire, flood, hail, windstorm, lightning strike, explosion
SourceSource no longer reachableVandalism coverage
Coverage for damages caused by malicious acts or vandalism
SourceSource no longer reachableVehicle inspection requirement
Photo documentation of vehicle required for coverage activation; coverage begins only after receipt and acceptance of photo documentation
SourceBonus-Malus classification system
Insurance premium adjusted based on claim history; bonus awarded for claim-free periods, malus applied for claims
SourceAssistance services (24/7)
Complimentary roadside and breakdown assistance services available 24 hours daily within EU and Green Card countries
SourceSource no longer reachable