Wüstenrot Casco (own-damage car insurance) (W Dobrom Havarijne Poistenie)

Covers damage to or destruction of the insured vehicle caused by collision with any obstacle, collision with another road user, or the fall/impact of objects that are not part of the insured vehicle (trees, poles, rocks, etc.). The insured sum (poistná suma) is agreed individually per vehicle in the policy; indemnity is capped at the vehicle's general value (všeobecná hodnota vozidla) at the time of the claim, and never exceeds the agreed sum insured. Repair costs up to 90% of that general value are treated as a 'damaged vehicle' (partial loss); above that threshold the vehicle is a 'destroyed vehicle' (total loss).

A vehicle is 'destroyed' when reasonable repair costs exceed 90% of its general value at the time of the claim. In that case the insurer pays the general value of the vehicle at the time of the claim, less the value of usable remains and the agreed deductible, capped at the sum insured. Usable remains stay the property of the policyholder.

A vehicle is 'damaged' (not destroyed) when reasonable repair costs do not exceed 90% of its general value at the time of the claim. The insurer reimburses the actually incurred, reasonable repair costs at prices usual at the time of the claim, less the value of replaced parts kept as remains and the agreed deductible.

Covers theft of the whole insured vehicle by burglary or robbery, and theft of vehicle parts by burglary/robbery (part-theft cover does not apply to motorcycles). Payout equals the vehicle's general value at the time of the claim, capped at the sum insured; theft of additionally installed accessories is capped at 10% of the total sum insured per policy period.

Base cover includes damage to the vehicle's glass caused by any of the insured perils (not applicable to motorcycles). Deductible is €0 if the glass is repaired without replacement; if only the windscreen is damaged and must be replaced, a special deductible of 5% (min. €150) applies regardless of the deductible for other claims. An optional 'glass' rider (deductible buy-out) reimburses the deductible on glass-replacement claims up to a limit of €600, for a maximum of two claims per policy period.

Covers damage or destruction of the vehicle caused by fire, lightning, hail, windstorm, landslide or avalanche, earthquake, flood, inundation, water escaping from water installations, and collision with wildlife during vehicle operation. Indemnity follows the same total/partial-loss rules and is capped at the sum insured.

Covers damage to the insured vehicle caused by a person other than the insured ('zásah cudzej osoby'), regardless of the form of fault (intentional or negligent). Indemnity follows the same total/partial-loss rules and is capped at the sum insured.

Included free of charge for accident, breakdown or theft events for the duration of the cover, available 24 hours a day/365 days a year via a dedicated hotline (+421 2 57 88 97 77). In Slovakia/Czech Republic: on-site repair or towing to the nearest workshop up to €100 per event, vehicle storage up to €10/day for 5 days. Abroad: on-site repair or towing up to €200 per event, storage up to €10/day for 5 days, plus scrapping contribution up to €200. Additional services include replacement transport/accommodation and, abroad, a replacement driver and legal assistance, all subject to per-service limits.

Automatically included in the base policy: rental cost of a replacement vehicle while the insured vehicle is being repaired after an accident, natural peril, partial theft, or vandalism, or until the policyholder is informed the vehicle is a total loss. Base limit is €30 per day of rental, max. 3 days per policy period (up to €90). An optional 'replacement vehicle' rider raises the daily limit to a reasonable rental price for a comparable vehicle (max. €70/day); combined with the base cover, the total limit from both is capped at €350 per policy period. Deductible for this cover is €0.