Kooperativa Casco (own-damage car insurance) (Auto Komplet)

Covers damage to or destruction of the insured vehicle or its parts caused by an accidental event resulting from the vehicle colliding with an obstacle or with another moving object, including parking damage; the ceiling of indemnity per insurance year equals the agreed sum insured.

If the reasonable repair costs (incl. VAT) equal or exceed 100% of the vehicle's general value immediately before the loss, the loss is treated as a total loss and indemnity equals the general value of the vehicle at that time, less the value of usable remnants and the agreed deductible.

Partial damage where the cost of restoring the vehicle to its condition before the loss does not exceed the vehicle's general value at the time of the loss; the insurer reimburses reasonable repair costs (parts, material, labour and painting) in full.

Covers loss of or damage to the insured vehicle or its insured equipment caused by burglary-theft, robbery, unauthorised use by another person, or damage caused during theft or an attempted theft, provided the event is reported to the police within 24 hours of discovery. Simple theft without overcoming a security obstacle is not covered.

Base cover includes damage to the vehicle's glazing (windscreen, side-door glass, rear window, glass of rear third/fifth doors, sunroof glass and exterior mirror glass), including the adhesive kit needed to fit a new pane; subject to the policy deductible. An optional windscreen-only rider (Art. 27, part of the OPTIMUM package or standalone) removes the deductible for windscreen claims.

Covers damage or destruction caused by a sudden, unforeseeable natural event: fire, explosion, aircraft impact, falling trees/poles/other objects, lightning strike, weight of snow or ice, flood, windstorm, hail, landslide/rockfall, avalanche, earthquake, water leakage from plumbing/fire-fighting systems, sonic boom, or stormy wind.

Covers intentional damage to or destruction of the insured vehicle or its part by a person other than the policyholder, insured, household members, employees or persons acting on their instructions, provided the event is reported to and investigated by the police without delay.

24/7 roadside assistance (breakdown help, towing, accommodation, fuel delivery, legal and medical assistance) provided by Global Assistance Slovakia is available as an optional rider (Art. 26). Independently of this rider, the base policy already reimburses the cost of transporting a damaged insured vehicle to the nearest authorised repair shop, capped at EUR 0.66/km (cars up to 3,500 kg), EUR 1.00/km (light commercial vehicles up to 3,500 kg) or EUR 1.56/km (vehicles over 3,500 kg), all incl. VAT (Art. 12(28)). A separate 'Vyprostenie a odťah' rider (Art. 32) extends recovery/towing cover further.

Optional rider (Art. 34) reimbursing the cost of renting a replacement vehicle while the insured vehicle is being repaired following a covered claim; it can only be agreed together with the Global Assistance rider. Indemnity is capped at EUR 100 per day, based on a submitted rental invoice, up to the overall sum insured chosen for this rider for the policy period.