UNIQA
UNIQA is a motor casco insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
Claims payment is due within 15 days after the insurer completes the investigation required to determine its liability. If the investigation cannot be completed within one month of the insurer learning of the claim, the insurer must provide the insured with a reasonable advance on the expected damage amount upon written request, provided the legal basis for the claim is proven.
Geographic scope
SK
Slovenská republika alebo geografické územie Európy – podľa dojednania v poistnej zmluve
Unique selling points
- Three pre-defined package tiers (KASKO MINI, PLUS, EXTRA) allow tailored coverage from total-loss-only to comprehensive with built-in GAP insurance in the top tier, covering the gap between purchase price and market value at the time of total loss or theft.
- Standard 24/7 roadside assistance including unlimited towing anywhere in Slovakia and the Czech Republic is included in the price of every CASCO policy at no additional cost.
- No special or additional anti-theft security device is required for vehicles valued up to EUR 100,000, simplifying the insurance process for the vast majority of standard passenger cars.
- The product has repeatedly won awards in the prestigious Zlatá minca competition, which annually recognises the best financial products on the Slovak market.
- A 5% online discount is available instantly when purchasing through the UNIQA online calculator, stackable with a 5% loyalty discount and a 5% annual payment frequency discount.
Coverage limits
Own vehicle damage (accident/collision)
Covered
Covers damage or destruction of the insured vehicle caused by an accident (collision) in road traffic due to externally acting mechanical forces directly related to the operation of the vehicle. Available in KASKO PLUS and KASKO EXTRA packages; KASKO MINI covers only total loss from accident, not partial damage. Indemnity equals reasonable repair costs less salvage value and agreed deductible, or market value less salvage and deductible in case of total loss.
Total loss
Covered
Total loss is defined as damage whose reasonable repair costs reach or exceed the vehicle's market value at the time of the claim. In such cases indemnity equals the market value of the vehicle at the time of the claim reduced by the value of usable salvage and the agreed deductible. Total loss from accident is included in all three packages (KASKO MINI, PLUS, EXTRA); total loss from other insured perils (theft, natural disaster, etc.) is included where those perils are covered. The threshold stated on the insurer's product page is costs exceeding 90% of the vehicle's general value.
Partial loss (repair costs below total loss threshold)
Conditional
Partial damage (čiastočná škoda) is covered under KASKO PLUS and KASKO EXTRA packages only. Not covered under KASKO MINI, which is limited to total loss resulting from accident. Indemnity equals reasonable repair costs less usable salvage value and agreed deductible; hourly labour rate is capped at the repair limit agreed in the policy.
Theft and robbery
Covered
Covers theft (privlastnenie si predmetu poistenia treťou osobou po prekonaní prekážky alebo zabezpečovacích zariadení) and robbery (use of violence or immediate threat of violence against the authorised user prior to seizing the insured item). Also covers theft or robbery of vehicle parts and standard/special equipment. Coverage requires the vehicle to have been secured with all anti-theft devices agreed in the policy at the time of theft; insurer will not pay if the vehicle was not properly secured. Already included in the basic KASKO package per IPID.
Glass damage (windscreen and all glazing)
Optional
Two layers of glass coverage exist. Base coverage for all vehicle glazing (zasklenie vozidla – all safety-glass surfaces and light sources) is included as an insured peril under the main CASCO policy when caused by externally acting mechanical forces. A separate add-on (Doplnkové poistenie čelného skla) covers only the windscreen without deductible and is triggered only when no other concurrent vehicle damage occurred; the insured sum of this add-on must equal at least the minimum deductible on the main policy. The add-on is available as an optional extra.
Natural perils (živelná udalosť)
Covered
Covers damage or destruction of the insured vehicle caused by natural perils as defined in the policy: fire, explosion, flood (záplava), inundation (povodeň), hail, lightning strike, landslide/snow slide, rockfall/earth collapse, avalanche, falling trees/poles/objects, storm/gale (wind ≥ 20.8 m/s / 75 km/h), and earthquake (≥5 MCS). Covered in all packages according to IPID.
Vandalism
Covered
Covers intentional acts by a third party directed at mechanically damaging or destroying the insured vehicle (vandalism as defined in the T&C). A condition for claim eligibility is that the policyholder has reported the incident to the police. This claim type does not affect the no-claims bonus period if duly reported to police and the perpetrator is not the policyholder/insured or a person to whom the vehicle was entrusted. Included in all KASKO packages.
Roadside assistance (24/7)
Covered
Standard 24/7 roadside assistance is included with every CASCO policy at no additional cost and covers tyre repair, lockout assistance, fuel delivery, battery replacement, and towing to the preferred workshop anywhere in Slovakia and the Czech Republic. Extended assistance (UNIQA ASSISTANCE) is available for an additional fee (approx. EUR 1/month) and includes a replacement vehicle for up to 5 days. Insured must contact the assistance provider after a claim event; if assistance was provided and not used, the insurer may reduce the claim payout for those services.
Replacement vehicle (rental during repair)
Optional
Optional add-on (Doplnkové poistenie nákladov na zapožičanie náhradného vozidla). Covers rental vehicle costs during the period necessary to repair the insured vehicle, for a maximum of 10 calendar days per claim and up to the amount stated in the policy. Conditions: damage must have occurred due to an insured peril (art. 2 sec. 1 lit. a-i) and an indemnity payment must be made on that claim. Rental must be documented by a tax invoice from an authorised repair shop or rental company. No deductible applies to this add-on. Extended assistance plan also provides up to 5 days replacement vehicle.
Driver and passenger personal accident insurance
Optional
Optional add-on (Doplnkové poistenie osôb prepravovaných vozidlom) covering unnamed persons transported in the insured vehicle for death and permanent consequences (trvalé následky) resulting from an accident. Governed by the General Terms for Accident Insurance. Number of insured seats is determined by the Certificate of Registration (not actual seating). No deductible applies. Exclusions include accidents at races/competitions, during theft period, suicide/self-harm, death occurring more than 1 year after the accident, or death from infection. Extensive post-accident assistance is included.
Key conditions
driver_age_experience_limit
No specific minimum driver age or experience requirement is stated in the general terms and conditions. The vehicle may not be entrusted to a person who does not hold the prescribed driving licence category. If the driver operates the vehicle without the required licence, no indemnity is payable.
repair_network_requirements
If the insured does not follow the insurer's recommendation to use a contracted repair shop and the submitted invoice is evidently disproportionate to normal prices for parts or labour in the insured's place of residence or is not in accordance with the Price Act, the insurer will calculate the claim using the AUDATEX budget method (alternative parts up to 70% of original OEM price; labour rate EUR 10.00 excl. VAT per standard hour; paint materials at 100% constant). The insurer may also determine the repairer when handling a machinery breakdown (lom stroja) add-on claim.
territorial_scope
Coverage applies to insured events that occurred in the territory stated in the policy: either the Slovak Republic only, or the geographic territory of Europe. The policyholder may choose between Slovak-only and broader European coverage. Repair costs incurred abroad are reimbursed through the insurer's foreign partner in accordance with the policy conditions. Prior approval of the insurer or assistance provider is required before towing from abroad or carrying out urgent or comprehensive repairs abroad.
anti_theft_requirements
Theft coverage applies only if the vehicle was secured with all anti-theft devices agreed in the policy at the time of theft. Specific mandatory devices vary by vehicle category and insured value: (a) Passenger/light commercial cars (M1, M1G, N1, N1G, max 3,500 kg, max 9 seats): up to EUR 22,999.99 – immobiliser OR mechanical device permanently fixed to bodywork; EUR 23,000–66,999.99 – immobiliser AND electronic alarm with rolling code OR immobiliser AND mechanical device fixed to bodywork; EUR 67,000+ – immobiliser AND rolling-code alarm AND satellite monitoring system accepted by the insurer (e.g. Lo-Jack, META-SAT) OR immobiliser AND mechanical device AND satellite monitoring. (b) Commercial vehicles and buses (N1 max 3 seats, N2, N3, M2, M3 incl. off-road G variants): immobiliser OR mechanical device. (c) Motorcycles, trikes, quads (category L): mechanical device OR immobiliser. Security devices must be maintained in working order and periodically inspected per manufacturer requirements. If a key or remote is lost or stolen, the insured must immediately take preventive measures and replace the locking system, and notify the insurer in writing; failure to do so entitles the insurer to reduce the claim by up to 70%. Mercedes Benz vehicles with FBSIII or FBSIV system are considered sufficiently secured. No special or additional security equipment is required for vehicles valued up to EUR 100,000 (per official marketing page).
claim_notification_deadline
The insured must report a claim: immediately, and at the latest the next working day after discovering the event that could give rise to a claim (general obligation per VPP art. 7(2)(b)). For MTPL-related obligations referenced in the IPID: within 15 days of the claim event if it occurred in the Slovak Republic, or within 30 days if it occurred abroad. The insured must immediately report to police any claim for which police notification is required (accident, theft, vandalism); for fire/explosion claims, notification to firefighters is required. Repairs may not commence until the insurer has been notified in writing and has inspected the damaged vehicle, unless removal of damage was urgently necessary for safety, hygiene or other reasons and the extent of damage can be sufficiently evidenced.
deductible_rules
The deductible (spoluúčasť) is stated in the policy proposal and the policy certificate; it is the amount by which the insured participates in each individual claim. It is deducted from every individual claim payment. No deductible is applied when the insurer recovers the full claim amount from the liable party (e.g. the other party in an accident). When the character of the reported event clearly indicates multiple separate claim events, the insurer may deduct the deductible from each of them. No indemnity is payable for claims where the damage amount is below the agreed minimum deductible. The policyholder may freely choose the deductible level at inception (per marketing page). The windscreen add-on and replacement-vehicle add-on and passenger accident add-on are contracted without a deductible.
Where to buy
Policy specifics
Vehicle theft coverage
Coverage for theft of the entire vehicle or its parts due to theft, break-in or robbery
Natural disaster coverage
Coverage for vehicle damage caused by natural disasters including fire, explosion, lightning, floods, storms, hail, landslide, rockfall, and snow
Vandalism coverage
Coverage for damage or destruction of vehicle caused by vandals
Animal collision coverage
Coverage for vehicle damage caused by collision with animals or damage inflicted by animals
Total loss coverage
Coverage providing financial protection in case of total loss (damage costs exceeding 90% of vehicle's market value at time of claim) or vehicle theft
GAP insurance (Financial loss coverage)
Covers the difference between vehicle purchase price and its market value at time of total loss or theft
Baggage/cargo coverage
Covers damage to passenger baggage inside the vehicle caused by accident, natural disaster or theft
Mechanical breakdown coverage
Coverage for repair costs of internal mechanical and electrical malfunctions of the vehicle
Personal accident coverage
Coverage for death or permanent consequences of accidents for vehicle driver and passengers
Deductible options
Policyholders can choose the deductible (excess) amount for their comprehensive CASCO coverage
No special security requirement for vehicles up to €100,000
No special or additional security equipment required for vehicles valued up to €100,000
No-claims bonus
Policyholders receive bonus discounts for each claim-free year of insurance
Geographic coverage territory
Insurance covers insured events that occur in the territory specified in the policy (Slovakia or European geographic territory)
Vehicle inspection requirement
Every used vehicle must undergo vehicle inspection according to insurer manual before policy issuance
Standard and extended assistance services
All CASCO policies include standard assistance services (free 24/7) with option for extended assistance for €1/month
Online purchase discount
5% discount available for purchasing comprehensive CASCO insurance online through UNIQA website