Pillow Casco (own-damage car insurance) (Poistenie Vozidiel Havarijne Vankuse)
Underwritten by Pillow poisťovňa (Pillow pojišťovna, a.s.) · Slovakia
casco (own-damage car insurance) from Pillow for the Slovakia market, with online purchase.
Last verified Aug 27, 2026Sources
Unique selling points
Fully modular "cushion" system lets customers pick and pay for only the exact coverages they need, with transparent per-cushion pricing instead of pre-bundled packages.
Glass damage cover has no monetary limit.
Natural event and animal collision cushions are always offered without a fixed monetary sub-limit, paying the full usual value of the vehicle in a total loss.
Premiums for both MTPL and casco cushions are calculated according to actual driven mileage, allowing low-mileage drivers to reduce their premium.
Fully digital, app-based claims and vehicle-condition documentation process without the need for physical branch visits.
Coverage limits
Traffic accident damage (own vehicle)
100% of insured sum
Covers damage from collision, impact, fall of the vehicle or driving into water; payout equals the vehicle's usual value at the time of loss, unless the acquisition (purchase) price is insured, in which case the full purchase price is paid within the first 3 years for new vehicles.
Total loss settlement
100% of insured sum
In case of total destruction of the vehicle, the payout equals the vehicle's value immediately before the accident, or the full acquisition price for new vehicles within the first 3 years if that option was selected.
Partial damage repair
100% of insured sum
Repairable damage is settled up to the vehicle's usual value (or acquisition price if insured); covers collision, impact, fall, or driving into water, excluding events covered by other specific cushions (vandalism, natural event, animal collision, theft, glass-only damage).
Vehicle theft
100% of insured sum
Optional selectable cushion covering theft of a properly secured vehicle (including its parts); payout based on the vehicle's usual value, without a fixed monetary sub-limit.
Section: PZP od Pillow
krádeže vozidla - odcudzenie riadne zabezpečeného vozidla (ale aj jeho súčastí)
Glass damage
unlimited
Optional standalone cushion covering all vehicle glass (windshield, side, rear, panoramic roof) with a single, unlimited limit, plus mandatory-to-replace parts (e.g. sensors) and their calibration; excludes items merely attached to the glass and additional glass modifications such as tinting.
Natural event damage
100% of insured sum
Optional cushion always without a fixed monetary sub-limit; in case of total loss the full usual value of the vehicle is paid out.
Vandalism
100% of insured sum
Optional cushion covering intentional damage to a parked vehicle by a third party, theft of a vehicle part, or damage during an attempted theft; payout based on the vehicle's usual value.
Roadside assistance
Optional
Assistance level depends on the selected variant; ranges from towing within Slovakia up to a specified distance to unlimited towing coverage across Slovakia and the EU; covers roadside diagnosis, on-site repair and vehicle/passenger transport in case of accident, breakdown, animal collision, natural event or vandalism.
Replacement vehicle
Conditional
For comprehensive damage claims (traffic accident, natural event, theft, vandalism, animal collision) Pillow covers rental vehicle costs during the reasonable repair period, up to a daily rate specified in the individual contract; for a total loss the subsidy continues until the settlement payment is transferred.
Driver accident insurance
€20K
Optional cushion for permanent disability or death due to accident, insured for EUR 20,000, plus hospitalization compensation of EUR 20 per day for up to 1 year; can also include a monthly annuity of EUR 400 to children up to age 25 in case both parents die following a traffic accident; can be purchased standalone, without a deductible.
Key conditions
Driver age and experience limit
No specific driver age or experience limit for casco cushions was found in the reviewed sources.
Repair network requirements
Pillow maintains a published list of contracted repair shops (zoznam zmluvných opravovní), though the reviewed sources do not state that using this network is mandatory for claim settlement.
Anti-theft requirements
Theft coverage requires the vehicle to be properly secured (riadne zabezpečené vozidlo); the reviewed sources do not specify a detailed technical anti-theft device list.
Claim notification deadline
For cushions covering damage to the insured vehicle (traffic accident, animal collision, natural event, theft, vandalism), the customer must submit photo documentation of the vehicle via the Pillow mobile app; Pillow typically confirms receipt of valid documentation within 1 business day, at the latest within 3 business days, and non-delivery within the required window can affect claim settlement.
Deductible rules
Deductibles are set per cushion and specified in the individual contract; for example, luggage cover (Batožina) carries a 10% deductible, while insured sums for the driver accident cushion are stated to apply without a deductible.
Direct payment
If the customer does not pay the first premium on time, the insurance policy does not come into force and there is no coverage during the payment default period.
Territorial scope
Valid throughout the geographic territory of Europe and Turkey, excluding Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova and Russia; not valid in areas of armed conflict or areas not under full government control.
Documents
Policy specifics
Mileage-based pricing with refund system
Insurance premium is calculated based on estimated annual mileage; unused kilometers are refunded or charged incrementally at €0.01 per km with minimum of 5,000 km and maximum of 25,000 km per year
SourceSource no longer reachableModular coverage ("cushions"/vankúše)
Insurance product comprises 10 separate modular components (cushions) allowing customers to select only the coverage they need; no mandatory bundled packages
SourceSource no longer reachableZero deductible for select coverages
Pillow offers zero deductible (spoluúčasť) option for vehicle theft, natural disaster, and animal collision coverages; other coverages typically have standard deductible
SourceSource no longer reachableUnlimited glass coverage
Glass coverage includes windshield, side, rear, and roof glass (including panoramic roof) with no limit per claim; unlimited coverage means customer pays nothing out-of-pocket
SourceSource no longer reachableGAP insurance (Financial Loss Insurance)
Optional financial loss protection covering the depreciation gap between purchase price and market value for vehicles up to 6 months old; available for up to 3 years; reimburses co-payment from comprehensive damage claims
SourceSource no longer reachableModular roadside assistance with flexible limits
Roadside assistance offered as separate modules with optional coverage limits: towing distance in kilometers (50 km within SR variant) or unlimited coverage across SR and EU; covers diagnosis, repairs in road conditions, and transportation
SourceSource no longer reachableUncapped natural event and animal collision cushions
The natural event and animal collision cushions are always offered without a fixed monetary sub-limit; in the event of total loss, the full usual value of the vehicle is paid.
SourceSource no longer reachableMandatory photo documentation via mobile app
For damage coverages, customer must provide photo documentation of vehicle condition via Pillow mobile app at policy inception and annual anniversary; photographic inspection within 1-3 business days for approval
SourceSource no longer reachableDigital-only communication and claims handling
Pillow operates as fully digital insurer: all documents sent electronically only (no paper); claims and communications handled exclusively via email, chat, and phone; remote claims inspection capability; no physical branch offices
SourceSource no longer reachableGeographic coverage: Europe and Turkey
Insurance valid across Europe and Turkey with explicit exclusions: Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova, Russia; applies to vehicle damage and liability coverages
SourceSource no longer reachableReplacement vehicle coverage with daily rate limits
For comprehensive damage claims (accident, natural disaster, theft, vandalism, animal collision), Pillow covers rental vehicle costs during reasonable repair period with daily rate maximums specified in contract; coverage duration tied to actual repair time
SourceSource no longer reachableStrict payment deadline for policy inception
If customer fails to pay the first premium on time, insurance policy does not come into force and customer has no coverage; payment must be made within specified window from proposal date (typically 7 days)
SourceSource no longer reachableConsumer right to withdraw within 14 days
Consumers who conclude insurance contract remotely (online, phone) may withdraw without providing reason within 14 calendar days of contract conclusion; EU consumer protection standard
SourceSource no longer reachableSources
- finportal.skhttps://finportal.sk/pillow-pzp/(opens in a new tab)
- mypillow.skhttps://www.mypillow.sk/(opens in a new tab)Source no longer reachable
- mypillow.skhttps://www.mypillow.sk/caste-otazky/dopravna-nehoda/(opens in a new tab)Source no longer reachable
- mypillow.skhttps://www.mypillow.sk/prva-zmluva-cesko-vs-slovensko-11/(opens in a new tab)Source no longer reachable
- najlacnejsiepzp.skhttps://www.najlacnejsiepzp.sk/pzp-online/poistovne/pillow(opens in a new tab)
- najpoistenie.skhttps://www.najpoistenie.sk/pillow-poistenie-auta/(opens in a new tab)
Pillow Casco (own-damage car insurance)