Extracted from source documents

UNIQA Casco (own-damage car insurance) (Auto Volnost Kasko)

Underwritten by UNIQA pojišťovna, a.s. · Slovakia

casco (own-damage car insurance) from UNIQA for the Slovakia market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2017-10-01Sources

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Key facts

UNIQA

Unique selling points

Deductible from 0 EUR when the vehicle is repaired at a contracted service garage

5% discount for arranging the policy online

Free towing of the vehicle anywhere within Slovakia and the Czech Republic

Guarantee that under-insurance will not be examined if the recommended (or higher) insured sum is agreed

Theft, robbery and vandalism are covered already in the base KASKO product, without needing a separate rider

Coverage limits

Covered

Own Damage (Collision/Accident)

100% of insured sum

Covers damage to the insured vehicle caused by a traffic accident (havária); indemnity is capped at the agreed insured sum (poistná suma), reduced by usable remains and deductible

Clause Oddiel II, Čl. 2Page 9

Section: Oddiel II > Článok 2: Poistené nebezpečia

Poisteným nebezpečím môže byť jedno alebo viacero z nasledovných nebezpečí, ktoré musia byť uvedené v poistnej zmluve: a) havária vozidla,

Covered

Total Loss

100% of insured sum

Vehicle is treated as a total loss when reasonable repair costs reach or exceed 100% of its market value at the time of the loss; indemnity equals market value minus usable remains and deductible

Clause Oddiel II, Čl. 5, ods. 2Page 10

Section: Oddiel II > Článok 5: Definícia pojmov

Finančne neefektívnou opravou sa rozumie stav, pokiaľ primerané náklady na opravu poškodeného predmetu poistenia dosiahnu alebo presiahnu jeho trhovú hodnotu. (Totálna škoda).

Covered

Partial Damage

100% of insured sum

If the vehicle is repaired, indemnity equals reasonable repair costs minus usable remains and deductible; if not repaired, indemnity is calculated by budget estimate

Clause Oddiel II, Čl. 4, ods. 2Page 9

Section: Oddiel II > Článok 4: Rozsah poistného plnenia

oprava vozidla sa realizuje potom výška poistného plnenia sa rovná sume zodpovedajúcej primeraným nákladom na opravu zníženým o cenu použiteľných zvyškov a dojednanej spoluúčasti.

Covered

Theft and Robbery

100% of insured sum

Covers theft and robbery of the insured vehicle as defined by criminal law, conditional on the vehicle being fitted with the anti-theft device(s) required for its insured value bracket

Clause Oddiel II, Čl. 1, ods. 2Page 9

Section: Oddiel II > Článok 1: Predmet poistenia

Poistné krytie proti nebezpečiu krádeže sa vzťahuje iba na predmet poistenia, ktorý bol vybavený a zabezpečený týmito predpísanými zabezpečovacími zariadeniami:

Covered

Glass Damage

100% of insured sum

Damage or destruction of vehicle glazing caused by external mechanical force is an included peril; an optional windshield-only supplement can be arranged without a deductible, with its insured sum set to at least the base deductible amount

Clause Oddiel II, Čl. 6, ods. 6Page 14

Section: Oddiel II > Článok 6: Doplnkové poistenia > 6. Doplnkové poistenie čelného skla

Z tohto doplnkového poistenia vzniká nárok na poistné plnenie, ak k poškodeniu alebo zničeniu čelného skla poisteného vozidla došlo v dôsledku zvonka pôsobiacich mechanických síl

Covered

Natural Perils

100% of insured sum

Covers fire, explosion, flood, inundation, hail, lightning strike, landslide/snow slide, avalanche, falling trees/objects, windstorm and earthquake as defined in the T&Cs

Clause Oddiel II, Čl. 5, ods. 14Page 11

Section: Oddiel II > Článok 5: Definícia pojmov

Živelnou udalosťou sa pre účely tohto poistenia rozumejú: a) požiar ... b) výbuch ... c) záplava ... d) povodeň ... e) krupobitie ... f) úder blesku ... g) zosuv pôdy alebo snehu

Covered

Vandalism

100% of insured sum

Covers intentional damage or destruction of the insured vehicle by a third party

Clause Oddiel II, Čl. 5, ods. 13Page 11

Section: Oddiel II > Článok 5: Definícia pojmov

Vandalizmom sa v zmysle týchto podmienok poistenia rozumie úmyselné konanie tretej osoby smerujúce k mechanickému poškodeniu alebo zničeniu predmetu poistenia.

Covered

Roadside Assistance / Towing

Covered

Basic assistance including free towing of the vehicle anywhere within Slovakia and the Czech Republic is included as standard; extended assistance packages are available for an additional fee

Section: Časté otázky k poisteniu auta

Navyše vám bezplatne zabezpečíme odťah vozidla kdekoľvek na území Slovenska a Českej republiky.

Optional

Replacement Vehicle Costs

Optional

Optional supplement covering the cost of a rental replacement vehicle for the duration necessary to repair the insured vehicle, up to a maximum of 10 calendar days and up to the amount stated in the contract; sold without a deductible

Clause Oddiel II, Čl. 6, ods. 5Page 13

Section: Oddiel II > Článok 6: Doplnkové poistenia > 5. Doplnkové poistenie nákladov na zapožičanie náhradného vozidla

uhradí poistiteľ náklady za zapožičané vozidlo počas doby nevyhnutnej na opravu poisteného vozidla, maximálne však za 10 kalendárnych dní a maximálne vo výške, ktorá je uvedená v poistnej zmluve.

Optional

Accident Insurance for Persons Transported

Optional

Optional supplement for death or permanent injury following an accident of unnamed persons transported in the insured vehicle, governed by the accident insurance T&Cs; arranged without a deductible

Clause Oddiel II, Čl. 6, ods. 4Page 13

Section: Oddiel II > Článok 6: Doplnkové poistenia > 4. Doplnkové poistenie osôb prepravovaných vozidlom

Doplnkové poistenia pre prípad smrti v dôsledku havárie a trvalých následkov po havárii sa vzťahujú na nemenované osoby prepravované poisteným vozidlom. Tieto doplnkové poistenia sa riadia Všeobecnými poistnými podmienkami pre úrazové poistenie.

Key conditions

Driver age and experience limit

The general terms do not specify a minimum driver age or years of experience; they only require that the vehicle not be entrusted to a person without a valid driving licence

Repair network requirements

The insurer recommends repair at its contracted service network (lower/no deductible applies there); claims can also be settled using the AUDATEX assessment system, and active satellite monitoring devices are only recognised if provided by Secar Bratislava or Setech Bratislava

Anti-theft requirements

Theft cover requires specific anti-theft equipment depending on insured value: up to 22,999.99 EUR an immobiliser or fixed mechanical device is required; from 23,000 to 66,999.99 EUR an immobiliser plus rolling-code electronic system or mechanical device; from 67,000 EUR an immobiliser, electronic/mechanical device plus an accepted satellite monitoring system

Claim notification deadline

The insured must notify the insurer of an event that could give rise to a claim immediately, and no later than the next working day after discovering it

Deductible rules

The deductible amount is stated in the contract and is deducted from each individual claim payment; it does not apply where the full loss is recovered from the party who caused it, and no indemnity is paid where the loss is below the agreed minimum deductible

Direct payment

Cashless (direct) settlement is available with a deductible from 0 EUR when the vehicle is repaired at a contracted repair shop of the insurer; otherwise reimbursement is based on submitted repair invoices

Territorial scope

Coverage applies to insured events occurring within the territory stated in the insurance contract (Slovak Republic or geographic Europe)

Documents

General Insurance Terms and Conditions for KASKO – 2017/2 (opens in a new tab)

Terms & conditions · PDF

IPID – Auto & Voľnosť KASKO (opens in a new tab)

Product information sheet · PDF

General Terms for the GAP financial loss supplement to KASKO – 2017 (opens in a new tab)

Terms & conditions · PDF

KASKO online – package A summary (opens in a new tab)

Table of benefits · PDF

KASKO online – package B summary (opens in a new tab)

Table of benefits · PDF

KASKO online – package C summary (opens in a new tab)

Table of benefits · PDF

Combined IPID – KASKO and MTPL (PZP) (opens in a new tab)

Product information sheet · PDF

Policy specifics

GAP Insurance (Financial Loss Protection)

Optional supplementary coverage for CASCO that protects against financial loss in case of total loss or theft by covering the difference between the vehicle purchase price and its actual market value at time of total loss or theft

SourceClause Čl. 2Page 1

Section: Článok 2: Predmet poistenia

Predmetom DP-FS je finančná strata, ktorá vznikla poistenému v prípade, ak došlo k poistnej udalosti zo základného poistenia podľa VPP-KASKO a z tejto poistnej udalosti bolo poistenému poskytnuté poistné plnenie

Glass Coverage

Coverage for damage or destruction of all vehicle windows including roof windows

Source

Section: Pripoistenia k havarijnému poisteniu > Poistenie skiel

Kryje poškodenie alebo zničenie všetkých okien vozidla vrátane strešných.

Personal Effects Coverage

Coverage for items transported in the vehicle during an insured event

Source

Section: Pripoistenia k havarijnému poisteniu > Poistenie batožiny

Vzťahuje sa na veci prepravované vo vozidle pri poistnej udalosti.

Natural Hazards Coverage

Coverage for damage caused by natural disasters including fire, explosion, flooding, snow, lightning strike, windstorm, landslide, and hail

Source

Section: Zvoľte si havarijné poistenie presne podľa vašich potrieb

Živel (požiar, krupobitie, povodeň...)

Animal Strike Coverage

Coverage for collision with animals or damage caused by animals to the vehicle

Source

Section: Zvoľte si havarijné poistenie presne podľa vašich potrieb

Poškodenie zvieraťom (stret aj ohryz káblov)

Theft and Robbery Coverage

Coverage for vehicle theft and robbery as defined under criminal law

SourcePage 1

Section: Čo je predmetom poistenia? > Poisteným rizikom môže byť jedno alebo viacero z nasledovných nebezpečí, ktoré musia byť uvedené v poistnej zmluve

Krádež (ďalej aj odcudzenie) […] Lúpež v zmysle trestného zákona (ďalej aj odcudzenie)

Tiered Coverage Packages

CASCO is offered in three distinct package tiers: MINI (basic), PLUS (standard), and EXTRA (comprehensive), each with different coverage scopes and benefits

Source

Section: Čo kryje havarijné poistenie?

Havarijné poistenie od UNIQA prináša tri varianty: KASKO MINI, KASKO PLUS a KASKO EXTRA .

Bonus-Malus System

Premium discounts (bonus) or surcharges (malus) applied based on claims history; bonuses range from class B00-B09 (discounts up to 50%), maluses from M01-M02 (surcharges) determined by loss history in the preceding insurance period

SourceClause Oddiel I, Čl. 5, ods. 10Page 3

Section: Oddiel I > Článok 5: Poistné

Bonus – t.j. zľava na poistnom (triedy poistného B00 – B09) sa určuje vždy zo základného poistného platného pre príslušné vozidlo.

24/7 Assistance Services

Standard non-premium assistance services included with every CASCO policy, such as vehicle towing, lock-out assistance, wrong fuel assistance, and transport to preferred repair shop

Source

Section: Čo kryje havarijné poistenie?

okamžitá pomoc pri dopravnej nehode, oprava defektu, odťah vozidla po nehode, pomoc v prípade vybitia batérie, dovoz paliva pri jeho vyčerpaní, pomoc s objednaním na STK alebo na výmenu pneumatík.

Total Loss Threshold

Vehicle is classified as total loss when repair costs exceed 90% of the vehicle's general market value at the date of the loss event

Source

Section: Zvoľte si havarijné poistenie presne podľa vašich potrieb

Totálna škoda z havárie (náklady > 90 % ceny auta)

Authorized Repair Networks

CASCO recognizes authorized repair shops including AUDATEX network assessment, and specific partner networks (Secar Bratislava, Setech Bratislava) for active anti-theft system evaluation

SourceClause Oddiel II, Čl. 5, ods. 27Page 12

Section: Oddiel II > Článok 5: Definícia pojmov

Za monitorovací systém akceptovaný poistiteľom sa v zmysle týchto poistných považujú výlučne aktívne systémy od spoločností Secar Bratislava, s.r.o, alebo Setech, s.r.o., Bratislava.

Vehicle Age and Weight Eligibility

CASCO coverage is available for personal vehicles and light utility vehicles up to 3.5 tonnes gross weight; coverage terms may vary based on vehicle age and type

Source

Section: Poistenie skiel