KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group
Komunálna poisťovňa
Komunálna poisťovňa is a motor casco insurance for the Slovakia market with no online purchase and 24/7 assistance.
Direct payment
The insurer may settle claims by direct payment to an authorized or contracted repair workshop of its network; if the policyholder chooses an independent (non-contracted) workshop, the insurer calculates the reimbursement based on its own cost estimate and may apply the price level of its designated workshop.
Geographic scope
Europe
Coverage applies to insured events occurring within the geographic territory of Europe, unless otherwise agreed in the insurance contract.
Starting price
€200
Indicative — pricing assumptions not stated
Unique selling points
- The 'Kasko komplet' package bundles windscreen cover with reduced deductible, baggage insurance and a replacement vehicle rider free of charge.
- Customers can choose between maximum protection (Kasko komplet) or a fully custom risk selection (Kasko výber) tailored to their needs.
- A wide range of free NONSTOP assistance services (technical, legal and medical) is included with every policy, valid in Slovakia and abroad.
- Vehicles up to 15 years old can still be insured, extending coverage eligibility beyond what many competitors offer.
- An optional GAP rider compensates the gap between a vehicle's market value and its original purchase price for 36 to 60 months.
Coverage limits
Own damage to the vehicle (accident/collision)
Covered
Covers repair or replacement cost up to the agreed sum insured (poistná suma) for damage/destruction caused by an accident, whether at fault or not at fault of the insured driver. Included automatically in the 'Kasko komplet' package; under 'Kasko výber' the customer selects which perils (incl. own-fault collision) to include.
Total loss
Covered
Damage is treated as a total loss when repair costs would exceed 90% of the vehicle's general value immediately before the loss; the payout equals the general value minus salvage value and the agreed deductible.
Partial damage/repair costs
Covered
The insurer reimburses reasonable repair costs to restore the vehicle to its condition immediately before the loss, calculated according to the workshop category used (authorized, contracted or non-contracted), less the agreed deductible.
Theft or robbery of the vehicle
Conditional
Theft/robbery of the vehicle and/or its standard/compulsory equipment is automatically included in the 'Kasko komplet' package; under 'Kasko výber' it is one of the perils the customer may individually select. Payout is void if the vehicle was not secured with the prescribed anti-theft device combination for its value bracket.
Windscreen/glass damage
Conditional
Accidental windscreen damage is covered even without the dedicated rider (5% deductible, min. €150), but the dedicated 'poistenie čelného skla' rider with a reduced deductible (5%, min. €50; waived entirely if repair cost is ≤€75) is included free of charge only within the 'Kasko komplet' package; otherwise it must be purchased as an optional add-on.
Natural hazards (fire, flood, storm, hail, etc.)
Covered
Covers damage or destruction of the vehicle and/or its standard/compulsory equipment caused by a natural hazard event; this peril is present in every base coverage configuration offered.
Vandalism / malicious third-party damage
Conditional
Damage caused intentionally or unintentionally by a known or unknown third party (including vandalism) is automatically included in 'Kasko komplet' and individually selectable under 'Kasko výber'.
Roadside/assistance services
Covered
Every casco policy automatically includes free 24/7 technical, administrative-legal and medical assistance services provided by Global Assistance Slovakia, including towing of an immobilized vehicle to the nearest suitable repair facility or storage for up to 10 days.
Replacement vehicle
€35 – €150
Optional rider covering rental costs of a replacement vehicle while the insured car (up to 3,500 kg) is being repaired after an insured event, or in case of theft/total loss; daily limit ranges from €35 to €150 per day for 5 or 10 days depending on the agreed limit. Included free of charge within the 'Kasko komplet' package, otherwise purchased separately.
Driver/passenger accident insurance
€4,000 – €40,000
Optional rider covering permanent bodily injury of the driver/passengers following a traffic accident, with a base sum insured of €4,000 per person, extendable up to 10x the base amount (up to €40,000); also covers transport costs in case of death.
Key conditions
Driver age and experience limit
No minimum driver age or driving-experience threshold is specified in the T&Cs. However, coverage is excluded if the driver did not hold a valid driving licence, had it confiscated, or was subject to a driving ban at the time of the incident.
Repair network requirements
The insurer may designate the repair workshop; reasonable repair costs are calculated differently depending on whether the vehicle is repaired at an authorized dealer workshop, a workshop contracted with the insurer, or a non-contracted independent workshop. If repair is not carried out at the insurer-designated workshop, prices of that workshop are applied when calculating the payout.
Territorial scope
Coverage applies to the geographic territory of Europe, unless a different territorial scope is agreed in the insurance contract.
Anti-theft requirements
Passenger vehicles up to 3,500 kg require at least one prescribed security device (e.g. factory immobilizer) up to a value of €100,000; from €100,000.01 to €150,000 a higher-grade immobilizer, GPS tracking system, or a combination of at least two other prescribed devices is required; above €150,000.01 a combination of two prescribed devices is required, one of which must be an insurer-accepted monitoring system.
Claim notification deadline
The insured must notify the insurer of any claim without delay, and no later than 30 calendar days from the occurrence of the event or from when they became aware of it.
Deductible rules
A deductible (percentage and/or minimum EUR amount) is agreed in the policy and deducted from every payout. Windscreen-only claims carry a reduced deductible if the dedicated glass rider is arranged (5%, min. €50, waived entirely for repairs ≤€75); a reduced deductible table applies if the driver was under the influence of alcohol (30%/50%/90% reduction of the payout depending on blood alcohol level); a €50 reduction on the deductible applies if the policyholder opts for a self-managed (budgeted) repair settlement.
Where to buy
Documents
IPID – Casco Insurance Information Document
IPID
General Terms and Conditions for Casco Insurance (VPP KAS-7, effective 2023)
Terms & conditions
General Terms and Conditions for Casco Insurance (VPP KAS-8, effective 01.08.2024)
Terms & conditions
Special Terms for Bonus/Malus Casco Insurance (OPP 276-7)
Other document
Product landing page with coverage summary
Other document
Policy specifics
Windscreen/glass damage coverage
Protection for damage or destruction of vehicle windscreen with reduced deductible
SourceBaggage/personal belongings coverage
Coverage for damage, destruction or loss of personal belongings in vehicle
SourceGAP insurance (Financial loss coverage)
Optional coverage that compensates difference between vehicle market value and purchase price in case of total loss or theft
SourcePassenger injury coverage
Coverage for permanent bodily injury consequences from accidents for driver and passengers
SourceVehicle weight limit for standard coverage
Product targets personal and utility vehicles up to 3,500 kg including (SB1-SB4 insurance classes)
SourceGeographic coverage territory
Insurance coverage extends to European territory by default, unless otherwise specified in policy contract
SourceDeductible/Excess selection
Multiple deductible options available for personal and utility vehicles up to 3.5 tonnes for different risk coverage
SourceClaims settlement method - direct repair or reimbursement
Insurer settles claims by direct payment to authorized repair network partner workshops, with option for policyholder reimbursement model
SourceFree assistance services
Automatic inclusion of free technical, administrative-legal, and medical assistance services provided 24/7 by Global Assistance Slovakia
Source