Komunálna poisťovňa Casco (own-damage car insurance) (Havarijne Poistenie Proauto)

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.

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.

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.

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.