KOMUNÁLNA poisťovňa
KOMUNÁLNA poisťovňa is a motor casco insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
The insurer pays repair costs directly to authorised or contracted repair shops. If the insured uses a non-contracted, non-authorised repair shop, indemnity is calculated on the basis of a budget estimate using max. 20 EUR/h labour rate (incl. VAT) and aftermarket part prices. Payment to a third party (e.g. repair shop) is the standard channel; reimbursement to the insured is also possible upon presentation of invoices.
Geographic scope
SK
Geographic territory of Europe, unless otherwise agreed in the insurance contract (Art. 5 VPP KAS-7)
Unique selling points
- Up to 70% no-claims bonus discount available on the casco premium, one of the highest market rates, after 9 years of claims-free history.
- Windscreen insurance, luggage cover and replacement vehicle (35–150 EUR/day, 5 or 10 days) are all included free of charge in the Kasko komplet bundle, rather than being charged as paid add-ons.
- 24/7 roadside assistance provided by Global Assistance Slovakia is automatically included with every policy and covers Slovakia and all of Europe.
- GAP insurance add-on covers the full gap between acquisition price and general vehicle value (up to 25 000 EUR) for vehicles up to 3 500 kg, across 36–60 month variants including tapering Variant D.
- Annual premium payment yields a preferential lower rate, and policyholders can switch between quarterly, semi-annual and annual payment frequency during the policy term.
Coverage limits
Own damage (accident / collision)
Conditional
Covers damage to or destruction of the insured motor vehicle and its standard equipment caused by an accidental insured event per Art. 2 (a)–(e) VPP KAS-7 (Type A), or (a)–(f) (Type B). Indemnity is capped at the general market value of the vehicle immediately before the loss, less the agreed deductible. Total loss threshold is 90% of general vehicle value.
Total loss
Covered
If repair costs exceed 90% of the general market value of the vehicle, the insurer treats the loss as a total loss. Indemnity equals the general market value of the vehicle less the salvage value and the agreed deductible. GAP add-on covers the remaining gap between general value and acquisition price (max. 25 000 EUR).
Partial loss (repair costs)
Covered
Covers partial damage where repair costs do not exceed 90% of general vehicle value. The insurer pays reasonable repair costs in authorised workshops using original parts and manufacturer labour norms, or in contracted workshops. In non-contracted unauthorised workshops the insurer applies a max. labour rate of 20 EUR/h (incl. VAT) and aftermarket part prices.
Theft and robbery
Conditional
Covered under Type B (all perils) and Type C (natural perils, third-party damage, theft/robbery, no at-fault collision). Not covered under Type A or Type D (Type D covers only natural perils and theft/robbery). Anti-theft security measures per Art. 13 VPP KAS-7 are mandatory preconditions. All original keys must be surrendered after theft. Indemnity equals general vehicle value less salvage and deductible.
Windscreen / glass damage insurance
Optional
Optional add-on covering any accidental damage to or destruction of the windscreen only (not other glass). In case of replacement, indemnity is reduced by the agreed deductible. If repair costs do not exceed 60 EUR, no deductible is applied. For vehicles up to 3 500 kg, the base policy deductible on windscreen-only claims (without the glass add-on) is 5%, min. 165 EUR. With the windscreen add-on, the deductible is 5%, min. 50 EUR. Included free of charge in the Kasko komplet bundle.
Natural perils (elemental events)
Covered
Covered under all Types (A, B, C, D). Natural perils include: fire, explosion, lightning strike, windstorm (>72 km/h), flood, inundation, hail, ground subsidence, rock/earth fall, avalanche, falling trees/poles/objects, and earthquake (min. 5th degree EMS-98 scale). Indemnity capped at general vehicle value less deductible.
Vandalism / third-party damage
Conditional
Covered under Types A, B, and C (Art. 2(b) VPP KAS-7 — intentional /vandalism/ or unintentional damage by a third party, known or unknown). Not covered under Type D. Events must be reported to police for no impact on bonus-malus. Vandalism is defined as intentional damage by a person other than the policyholder, insured, authorised person or persons acting on their instigation.
Roadside assistance (24/7)
Covered
Comprehensive roadside assistance is included free of charge with every policy, provided 24/7 by Global Assistance Slovakia s.r.o. (SK: 18118, abroad: +421 2 6353 2236). Scope includes towing to the nearest suitable repair shop, temporary storage of the immobilised vehicle (max. 10 days), technical, administrative-legal and medical assistance, valid in Slovakia and abroad. Detailed scope is defined in OZD AS KAS (the version on the insured's assistance card at time of event). Costs incurred through a non-contracted assistance provider are not reimbursed.
Replacement vehicle insurance
Optional
Optional add-on for personal and utility vehicles up to 3 500 kg. Covers documented rental costs of a replacement vehicle during the repair period or up to the agreed number of days in case of theft/total loss (rental must start within 15 days of the event). Daily limit: 35–150 EUR/day for 5 or 10 days (as agreed in the policy). No deductible on this add-on. Proof of rental contract and invoice from a car rental company required. Included free of charge in the Kasko komplet bundle.
Accident / personal injury insurance for vehicle occupants
Optional
Optional add-on (Art. 17 VPP KAS-7). Covers unnamed persons transported in the insured vehicle. Applies only to accidents occurring during entry/exit, driving, brief stops in or near the vehicle, or removal of common breakdowns. Basic insured sum per seat: 2 000 EUR for accidental death, 4 000 EUR for permanent disability; can be agreed up to 10× the base sum. The total insured sum for all occupants equals the per-seat sum × number of seats per technical certificate. The add-on is governed by VPP 1000-9.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated in VPP KAS-7, OPP 276-7, or the IPID. The policy covers any driver with a valid driving licence; coverage is excluded if the driver had no valid driving licence, had a suspended licence, or had a driving ban at the time of the loss (Art. 4 ods. 10 VPP KAS-7).
repair_network_requirements
Reasonable repair costs are assessed differently depending on the repair shop type: (a) Authorised workshops: costs compared to insurer's calculation using original parts prices and manufacturer labour norms; (b) Contracted workshops: costs equal to agreed labour rate between insurer and service; (c) Non-contracted non-authorised workshops: insurer applies max. 20 EUR/h (incl. VAT) and aftermarket part prices; 20% discount applied if aftermarket part is unavailable; (d) Budget estimate (no invoice): 10 EUR/h excl. VAT, no DPH, aftermarket parts. The insurer reserves the right to designate the repair shop (Art. 12 ods. 7 VPP KAS-7).
territorial_scope
The insurance covers the geographic territory of Europe, unless otherwise agreed in the insurance contract (Art. 5 VPP KAS-7). Assistance services are valid in Slovakia and abroad (24/7 via Global Assistance Slovakia s.r.o., SR: 18118, abroad: +421 2 6353 2236). The cargo transport add-on covers theft/robbery only within Slovak territory.
anti_theft_requirements
The insured must secure the vehicle against theft beyond standard locking, as follows: (a) Personal vehicles up to 50 000 EUR (new value incl. accessories): min. one prescribed security device; (b) 50 000.01–150 000 EUR: higher-grade immobiliser (VAM 01/R1/FBS III+) or GPS tracking system, or combination of min. two prescribed devices; (c) Above 150 000.01 EUR: combination of min. three (or two) prescribed devices including immobiliser + alarm + mechanical lock (I+A+M) or GPS + mechanical lock or GPS + alarm or GPS + immobiliser. Heavy vehicles >3 500 kg up to 200 000 EUR: min. one device; above 200 000.01 EUR: min. two. Motorcycles: wheel/disc lock with hardened steel chain/shackle or auto alarm. Failure to comply results in no indemnity for theft (Art. 13 ods. 10 VPP KAS-7).
claim_notification_deadline
The insured must notify the insurer of any insurance event without undue delay, no later than 30 calendar days from the occurrence of the event, or from the day the insured learned of it (Art. 10 ods. 10 VPP KAS-7). Theft, robbery, vandalism, animal collisions, and third-party damage must also be reported to the police immediately. After a theft, the insured must surrender all original keys, the original vehicle registration document, service booklets and other documents within the investigation period (Art. 10 ods. 20 VPP KAS-7).
deductible_rules
For personal and utility vehicles up to 3 500 kg, the insured selects the deductible level; available options affect the premium. Deductible is deducted from every claim (Art. 22 ods. 1 VPP KAS-7). No indemnity is paid if the loss amount is lower than the agreed deductible (Art. 22 ods. 3 VPP KAS-7). If one reported event results in multiple losses, deductible is applied to each (Art. 22 ods. 2 VPP KAS-7). Windscreen-only claims (base policy, no glass add-on): 5% min. 165 EUR for vehicles ≤3 500 kg; 10% min. 330 EUR for vehicles >3 500 kg, buses, tractors. Glass add-on: 5% min. 50 EUR (no deductible if repair cost ≤60 EUR). Replacement vehicle add-on: no deductible. Cargo transport add-on: deductible 165 EUR. If the driver had 0.01–0.49‰ BAC, indemnity is reduced by 30%; 0.50–0.99‰ by 50%; ≥1.00‰ — no indemnity (Art. 12 ods. 12 VPP KAS-7).
Where to buy
Documents
Všeobecné poistné podmienky pre havarijné poistenie motorových vozidiel (VPP KAS-7) – effective 01.01.2023
terms_and_conditions
IPID – Informačný dokument o poistnom produkte: Havarijné poistenie motorového a prípojného vozidla – effective 01.01.2023
ipid
Osobitné poistné podmienky pre havarijné poistenie motorových vozidiel (OPP 276-7) – effective 01.01.2023 (bonus-malus scheme, valid for bonus insurance only)
terms_and_conditions
Policy specifics
Windscreen insurance
Optional coverage for windscreen damage with reduced deductible included in Comprehensive bundle
Luggage insurance
Optional coverage for personal items/luggage damage included free in Comprehensive package
GAP insurance
Optional supplementary coverage for financial loss in case of total loss or theft of vehicle
Accident injury insurance
Optional coverage for personal injury due to accident while in insured vehicle
Cargo/transport insurance
Optional coverage for transported goods or cargo damage, loss or theft during transport
Deductible (coinsurance) options
Policyholders must select deductible level; different options available for personal vs utility vehicles
Used vehicle inspection requirement
Used vehicle must undergo entry inspection before policy becomes effective; contract void if not completed
Vehicle key security requirement
Policyholder must report loss/lack of original keys and perform re-coding before policy starts
Vehicle maintenance obligation
Insured must maintain vehicle in good operational condition and undamaged state during policy term
Premium payment frequency
Insured may select annual, semi-annual or quarterly payment frequency with preferential annual rate
Bonus-malus discount system
No-claim discount awarded after 1 year of claims-free driving; up to 70% discount possible
Coverage territory
Basic coverage on Slovak territory; extended European coverage available (Europe including Turkey)