Union poisťovňa, a. s.
Union
Union is a motor casco insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The insurer pays repair invoices without deduction for depreciation. In case of total loss, the payout equals the vehicle's general value at the time of the event minus the value of usable remains, which stay with the policyholder.
Geographic scope
Europe (in the geographic sense)
Coverage applies to insured events occurring within Europe in the geographic sense. Cover is not interrupted during sea transport of the vehicle if the loading and unloading location is within Europe; otherwise cover is suspended when loading onto the ship begins. Náhradné motorové vozidlo and Poistenie vozidla pri činnosti pracovného stroja apply only within Slovakia.
Unique selling points
- Customers can build motor hull cover by selecting only the individual risks they actually need instead of a fixed package.
- Motor hull insurance is available for vehicles up to 12 years old, longer than the 6-10 year limit typical at other Slovak insurers.
- The policy can be arranged fully online in about 5 minutes, with documents delivered immediately by email.
- Existing Union insurance or Union health insurance customers receive a 5% discount on the premium.
- The mandatory vehicle inspection before policy start can be completed by the customer online via a self-inspection tool, without visiting a branch.
Coverage limits
Own damage (Accident and Vandalism)
Covered
Only in Havária a Vandalizmus, Nezavinená havária a Vandalizmus
Covers accidental damage or destruction of the insured vehicle caused by collision, impact with another object/person/animal, or vandalism. Selecting either 'Havária a Vandalizmus' or 'Nezavinená havária a Vandalizmus' cover is a mandatory condition for concluding the policy.
Total loss
Covered
No limit stated
Only in Havária a Vandalizmus, Nezavinená havária a Vandalizmus
In case of destruction (total loss) of the vehicle, the payout is calculated from the vehicle's general value at the time of the event minus the value of usable remains (parts and accessories), which remain the property of the insured.
Partial damage repair
90% of insured sum
Only in Havária a Vandalizmus, Nezavinená havária a Vandalizmus
Repair costs are indemnified as reasonable, appropriately incurred costs necessary to remedy the damage, provided they do not exceed 90% of the vehicle's general value at the time of the insured event.
Theft
Optional
No limit stated
Only in Krádež
Optional 'Krádež' cover for theft of the vehicle, its standard/additional equipment, or unauthorized use. The vehicle must be fitted with anti-theft security devices prescribed according to its insured sum.
Glass damage
Optional
No limit stated
Only in Poistenie skiel
Optional cover for the front, rear and side windows of the vehicle. Theft of glass and damage to related items (paint, upholstery, seals, sun visors, mirrors) are excluded.
Natural hazards
Optional
No limit stated
Only in Živelné riziká
Optional cover for damage, destruction or loss caused by lightning, rockfall/landslide/avalanche/snow pressure, hail, flood, windstorm (wind speed over 75 km/h), earthquake, falling objects, or fire/explosion.
Vandalism
Covered
No limit stated
Only in Havária a Vandalizmus, Nezavinená havária a Vandalizmus
Intentional damage or destruction of the vehicle caused by a third party is covered as part of the mandatory 'Havária a Vandalizmus' (or 'Nezavinená havária a Vandalizmus') cover.
Roadside assistance
€250 – €850
Only in Asistenčné služby BASIC, Asistenčné služby PREMIUM
Optional assistance cover provided via Eurocross Assistance, available 24/7. BASIC package: cumulative limit up to 250 EUR for events in Slovakia and up to 650 EUR abroad. PREMIUM package: cumulative limit up to 350 EUR in Slovakia and up to 850 EUR abroad, with higher per-service sub-limits.
Replacement vehicle
Optional
No limit stated
Only in Náhradné motorové vozidlo
Optional cover for reasonably incurred rental costs of a replacement passenger or commercial vehicle up to 3,500 kg, appropriate to the insured vehicle's type, for the time necessary to repair it. Valid only within Slovakia; the daily limit and maximum number of rental days are agreed individually in the policy, and the entitlement can be claimed a maximum of twice per insurance period. Fuel, tolls, cleaning and maintenance are excluded.
Driver/passenger accident insurance
Optional
No limit stated
Only in Úrazové poistenie
Optional accident cover for the driver alone or for the driver and all passengers. Provides benefits for death due to accident, for permanent consequences of accident (progressive scale up to 350%), and a daily benefit during hospitalisation (max. 60 days per accident within 2 years). Sums insured are agreed individually per insured person in the contract.
Key conditions
Driver age and experience limit
VPP UHP 2024 sets no minimum driver age or driving-experience requirement; cover requires only that the vehicle is driven by a person holding a valid driving licence for the relevant vehicle category.
Repair network requirements
Repair invoices must be submitted in Slovak; if the vehicle is repaired abroad, the insurer's prior written consent is required and the documents must be officially translated.
Territorial scope
Coverage applies to insured events occurring within Europe in the geographic sense. For 'Náhradné motorové vozidlo' and 'Poistenie vozidla pri činnosti pracovného stroja' cover, the territorial scope is limited to Slovakia.
Anti-theft requirements
Required anti-theft devices scale with the vehicle's insured sum: up to 25,000 EUR requires an immobiliser, a mechanical locking device fixed to the body, or an alarm with function blocking; from 25,000.01 to 85,000 EUR requires two of these devices combined; above 85,000.01 EUR requires three combined devices, including a GPS-based satellite tracking system.
Claim notification deadline
The policyholder must notify the insurer of a claim without undue delay and provide a truthful account of how it arose; where required by traffic-law provisions, the event must also be reported to the police without delay.
Deductible rules
The deductible is agreed individually in the insurance contract for each cover; if no deductible is stated in the contract, the policy is deemed to apply without a deductible.
Where to buy
Documents
General Insurance Terms - Union Motor Hull Insurance VPP UHP 2024
Terms & conditions
General Insurance Terms - Union Motor Hull Insurance VPP UHP 2023 (superseded edition)
Terms & conditions
Insurance Product Information Document - Union Motor Hull Insurance
IPID
UniMotor - Šikovné poistenie vozidla brochure (separate, differently branded modular motor product referencing different T&Cs)
Other document
Policy specifics
Engine damage from electrical short circuit exclusion
Coverage explicitly excludes electrical or electronic device damage caused by short circuit
SourceTire damage coverage only with concurrent vehicle damage
Pneumatiky sú kryté iba v tom prípade, ak súčasne došlo aj k inému poškodeniu auta
SourceFuel theft exclusion
Poistenie sa nevzťahuje na stratu alebo odcudzenie pohonných hmôt v palivovej nádrži vozidla
SourceSource no longer reachableReplacement vehicle daily limit
Replacement vehicle coverage limited to 30 EUR per day, max 2 times per policy period, 3 days each
SourceVandalism coverage security requirement
Vehicle must be equipped with security system for vandalism damage coverage to apply
SourceTotal loss valuation method
Pri totálnej škode (poškodenie viac ako 90 %) sa poistné plnenie vypočítava zo všeobecnej hodnoty vozidla
SourceRodent damage coverage
Covered: damage or destruction of cables, hoses, or insulation materials caused by rodents; Not covered: general mechanical failure from rodent activity
SourceBonus/Malus rating system
Each policyholder receives bonus or malus based on claims history over preceding 2 years
SourceSource no longer reachableClaims settlement timeline
Ak vzniklo právo na poistné plnenie, je poisťovateľ povinný poskytnúť ho do 15 dní po skončení šetrenia
SourceSource no longer reachableTerritorial coverage scope
Coverage applies to insured events occurring in Europe in geographical sense; ship transport coverage preserved if loading/unloading in Europe
SourceVoluntary deductible levels
Fixed deductible options available: 99 EUR, 199 EUR, 299 EUR, or 399 EUR
SourceUninsured / At-fault accident coverage
Optional coverage for uninsured accidents (unintentional collisions caused by driver) requires written police confirmation at time of incident
SourceNew vehicle valuation basis
Insurance agreed on new value basis covering accidental and unforeseen damage, loss, or destruction
SourceAssistance services inclusion
Basic Union assistance services included in motor hull insurance; Premium assistance services available with surcharge
SourcePremium modification notice requirement
Insurer may unilaterally modify premium for subsequent policy period; written notice required 10 weeks before new period
SourceSource no longer reachablePolicy termination grounds
Insurance terminates upon vehicle theft, total loss, destruction, or liquidation; non-payment of premium triggers termination notice
SourceSource no longer reachableCancellation and termination rights
Policyholder may cancel: within 2 months with 8-day notice, within 14 days online, 6 weeks before period end, or 1 month after claim with 1-month notice
SourceOptional supplementary coverages
Optional add-ons include: passenger injury/death coverage, baggage/personal items, vehicle glass, collision with wild animals, theft, natural hazards, working machine operation
SourceSources
- https://finportal.sk/union-havarijne-poistenie/
- https://www.najpoistenie.sk/union-havarijne-poistenie/
- https://www.poistit.sk/havarijne-poistenie-union/
- https://www.union.sk/havarijne-poistenie-a-poistenie-proti-vandalizmu/
- https://www.union.sk/havarijne-poistenie-viete-proti-comu-vas-ochrani/
- https://www.union.sk/poistenie-auta-pzp-havarijne-poistenie/