What is MTPL (Povinné zmluvné poistenie) in Slovakia and who is required to have it?

Motor Third-Party Liability insurance, known in Slovakia as Povinné zmluvné poistenie zodpovednosti za škodu spôsobenú prevádzkou motorového vozidla (PZP), is mandatory under Zákon č. 381/2001 Z. z. (Act No. 381/2001 Coll. on Compulsory MTPL Insurance). Every holder of a motor vehicle registered in Slovakia must conclude a PZP policy before the vehicle is admitted to traffic, and keep it in force without interruption. The Okresný úrad – odbor cestnej dopravy a pozemných komunikácií and the STK (technická kontrola) stations require proof of cover to issue or renew registration. The policy covers damages you cause to third parties — not your own vehicle or your own injuries as the at-fault driver. Driving without PZP is a misdemeanour: the Slovenská kancelária poisťovateľov (SKP) imposes a contribution of up to several thousand euros per case, plus full liability for any damages caused.

What are the mandatory minimum coverage limits for MTPL in Slovakia?

Under § 9 of Zákon č. 381/2001 Z. z., transposing EU Directive 2021/2118 with effect from 23 December 2023, the statutory minimum cover is €6,450,000 per accident for bodily injury or death (regardless of the number of injured parties) and €1,300,000 per accident for property damage (regardless of the number of damaged parties). These limits apply uniformly to all PZP policies issued in Slovakia. Slovakia adopted the Euro on 1 January 2009 and all premiums and claim settlements are in EUR. Some Slovak insurers — Allianz – Slovenská poisťovňa, Generali Poisťovňa, KOOPERATIVA (VIG), KOMUNÁLNA poisťovňa (VIG), UNIQA, ČSOB Poisťovňa, Union poisťovňa — offer higher contractual limits as an add-on, but the statutory minimum is the standard market baseline. An 8% insurance tax under Act No. 213/2018 Coll. applies on top of the net premium.

What does Slovak PZP insurance actually cover?

Slovak PZP covers damages caused to third parties by the operation of the insured vehicle. This includes: bodily injury, disability or death of pedestrians, occupants of other vehicles, cyclists and other road users — including pain-and-suffering (sťaženie spoločenského uplatnenia) under § 444 of the Občiansky zákonník; property damage to other vehicles, buildings and any third-party property; medical-treatment costs and lost earnings of the injured party; subrogated claims of the Sociálna poisťovňa and the relevant health insurers (Všeobecná zdravotná poisťovňa, Dôvera, Union) for benefits paid to victims; and the insurer's defence costs against unfounded claims within the overall liability limit. It does not cover damage to your own vehicle (requires Havarijné poistenie / kasko), your own injuries as the at-fault driver, or losses caused intentionally or while under the influence — in those cases the insurer pays the injured party and pursues recourse (regres) against the policyholder.

Are the at-fault driver's own damages covered?

No. Under Zákon č. 381/2001 Z. z. and standard policy conditions, damages suffered by the at-fault driver are excluded from PZP coverage. If you cause an accident, you have no claim under your own MTPL policy for your own injuries or for damage to your own vehicle. For own-vehicle damage you need a separate Havarijné poistenie (comprehensive / kasko) policy, and for personal injury you can buy an Úrazové poistenie vodiča (driver accident) add-on — a low-cost rider that pays out regardless of fault. Most Slovak insurers package driver accident cover and even a Pripoistenie vlastného vozidla (own-vehicle add-on for parking damage, glass, animals) directly on the PZP contract.

Are passengers in the at-fault vehicle covered?

Yes. Under § 4 of Zákon č. 381/2001 Z. z., passengers in the insured vehicle — including family members of the at-fault driver and persons being transported free of charge — are treated as third parties for PZP purposes, and their bodily injury and property damage claims are covered up to the policy limits. The only person excluded from PZP is the at-fault driver themself. Passenger compensation includes bolestné and sťaženie spoločenského uplatnenia under § 444 Občianskeho zákonníka, calculated under Decree No. 32/1965 Zb. and updated each year, plus actual loss of earnings and treatment costs. For broader no-fault protection many Slovak insurers offer an Úrazové poistenie cestujúcich (passenger accident) add-on which pays the agreed sums regardless of fault.

Is legal defence included in Slovak PZP policies?

Defence against third-party claims is a core part of every Slovak PZP policy at the insurer's expense — the insurer investigates the accident, settles or contests the claim on behalf of the policyholder, and bears legal costs and statutory default interest on late payment of compensation, all within the overall liability limit. This is distinct from a standalone Poistenie právnej ochrany (legal expenses insurance) which actively pursues the policyholder's own claims (recovery against an uninsured at-fault driver, misdemeanour or criminal-traffic proceedings, licence-withdrawal disputes). Most Slovak insurers — Allianz, Generali, KOOPERATIVA, KOMUNÁLNA, UNIQA, ČSOB Poisťovňa, Union, D.A.S. — offer legal expenses cover either as a PZP add-on or as a standalone product, typically with limits between €5,000 and €30,000 per case.

Is the Green Card still required with Slovak PZP?

Not for travel within the European Economic Area and additional treaty states (Switzerland, Andorra, Monaco, San Marino, the Vatican, Serbia, the United Kingdom) — the Slovak registration plate alone is sufficient proof of cover and no paper Green Card is required. The Zelená karta (Green Card) remains required for travel to other Green Card system members: Albania, Azerbaijan, Bosnia and Herzegovina, Iran, Israel, Moldova, Montenegro, Morocco, North Macedonia, Tunisia, Turkey, Ukraine. Slovak insurers issue the Green Card free of charge, in paper or PDF form, valid for the entire policy period. The Slovenská kancelária poisťovateľov (SKP) acts as Slovakia's national Green Card bureau and as the guarantee fund for accidents caused on Slovak territory by uninsured or unidentified vehicles.

Which countries does Slovak PZP insurance cover?

Slovak PZP cover extends automatically to: the Slovak Republic; all EU Member States (liability assessed under the law of the country where the accident occurred); EEA countries (Norway, Iceland, Liechtenstein); and additional states whose national insurers' bureau is party to the multilateral Green Card agreement — Switzerland, the United Kingdom, Andorra, Monaco, San Marino, the Vatican, Serbia, Bosnia and Herzegovina, North Macedonia, Albania, Montenegro, Turkey, Ukraine, Moldova, Morocco, Tunisia, Israel and Iran. Within the EEA the contractually agreed Slovak cover sums apply; outside the EEA the insurer's liability may be reduced to the statutory minimum cover required in the visited country, unless the Slovak policy provides higher cover. Travel to Russia and Belarus is excluded by all major Slovak insurers due to international sanctions and the active conflict.

What must I do immediately after a road accident in Slovakia?

After an accident in Slovakia you must: stop immediately and secure the scene (warning triangle, hazard lights, high-visibility vest); render first aid and call the European emergency number 112 — or 155 for medical and 158 for police directly — where there are injuries; call the police where required by Zákon č. 8/2009 Z. z. o cestnej premávke (Road Traffic Act): personal injury or fatality, damage above €4,000 in total, hit-and-run, suspected alcohol or drug driving, damage to public property, or where the parties cannot agree on circumstances; not leave the scene before identifying yourself and exchanging insurance and contact details with the other party; complete an Európsky záznam o nehode (European Accident Statement) signed by both parties when there are no injuries — this is the standard claim trigger; photograph the scene, damage and final vehicle positions; and notify the at-fault driver's insurer (or the SKP) without undue delay, typically within 15 days as required by law and the policy. The insurer must decide on the claim within three months under § 11 of Act No. 381/2001 Z. z.

Can I buy Slovak PZP online and pay in installments?

Yes. All major Slovak MTPL insurers — Allianz – Slovenská poisťovňa, Generali Poisťovňa, KOOPERATIVA poisťovňa (VIG), KOMUNÁLNA poisťovňa (VIG), UNIQA poisťovňa, ČSOB Poisťovňa, Union poisťovňa — offer online conclusion through their own portals and apps, plus through licensed brokers and comparators (poistenie.sk, netfinancie.sk, uzavripoistku.sk, mojtip.sk). The insurer issues the policy and payment confirmation immediately on payment of the first instalment. Annual, half-yearly, quarterly and monthly instalments are widely available; sub-annual instalments may carry a small administrative surcharge. Slovakia operates a Bonus-Malus system: the premium adjusts annually based on the policyholder's claims history, typically with a one-class downgrade for each claim-free year and a multi-class upgrade for each at-fault claim. The full claims history is maintained by the SKP and is portable between Slovak insurers when you switch carriers — change of insurer is possible at policy anniversary with at least six weeks' notice under § 800 of the Občiansky zákonník.

Motor third-party liability — Slovakia

10 insurers with coverage data from source documents

Bodily injury liability: from €5.2M to €10M across the compared insurers.

Coverage

Cover compared — Motor third-party liability, Slovakia: 10 offers, compiled from the insurers' own documents read between Aug 26, 2026 and Aug 27, 2026. Not confirmed by the insurers.
Feature / category	Allianz	ČSOB	Generali	Genertel	Kooperativa	Komunálna poisťovňa	Pillow	Union	UNIQA	Wüstenrot
Online purchase	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes
Bodily injury liability	€5,240,000 – €10,000,000^[1]	€6,450,000 – €7,000,000^[6]	€5,240,000 – €10,000,000^[11]	€5,240,000^[16]	€6,450,000^[21]	€6,450,000^[26]	€6,500,000 – €10,000,000^[31]	€6,450,000^[36]	€7,000,000 – €10,000,000^[41]	€6,450,000 – €8,000,000^[46]
Property damage liability	€1,050,000 – €5,000,000^[2]	€2,000,000 – €7,000,000^[7]	€1,050,000 – €10,000,000^[12]	€1,050,000^[17]	€1,300,000 – €2,300,000^[22]	€1,300,000 – €2,300,000^[27]	€1,300,000 – €10,000,000^[32]	€1,300,000 – €5,000,000^[37]	€2,000,000 – €10,000,000^[42]	€1,300,000 – €8,000,000^[47]
Legal defence	Conditional^[3]	Conditional^[8]	€700^[13]	€700^[18]	Covered^[23]	Conditional^[28]	See details^[33]	Covered^[38]	Conditional^[43]	Covered^[48]
Green card	Covered^[4]	Covered^[9]	Covered^[14]	Covered^[19]	Covered^[24]	Covered^[29]	Covered^[34]	Covered^[39]	Covered^[44]	Covered^[49]
Passenger accident	Covered^[5]	See details^[10]	€6,000^[15]	Covered^[20]	Covered^[25]No limit stated	€3,320^[30]	See details^[35]	€10,000^[40]	Optional^[45]	Conditional^[50]

Sources

Where each figure in the table was read: the document, the page and clause, and the passage itself, quoted in the document's own language. The numbers match the markers in the table.

Allianz – Slovenská poisťovňa, a. s. 5 sourced claims

[1] Bodily injury liability: €5,240,000 – €10,000,000 ↩
Covers compensation for bodily injury and costs arising from death caused by the operation of the insured vehicle, regardless of the number of injured or deceased persons; the per-event limit is 5,240,000 EUR under the basic option (Limit A) or 10,000,000 EUR under the higher option (Limit B), as agreed in the policy.
5 240 000 EUR za škodu podľa čl. III ods. 2) písm. a) a nákladov podľa čl. III ods. 3) bez ohľadu na počet zranených alebo usmrtených a
allianz.sk · Page 3 zo 7 · Clause Čl. V ods. 2 písm. aa), ba) · Section: Článok V: Limit poistného plnenia · Read Aug 26, 2026
[2] Property damage liability: €1,050,000 – €5,000,000 ↩
Covers damage caused by destruction, damage, theft or loss of property and lost profit, combined into a single per-event sublimit shared with legal representation costs: 1,050,000 EUR under Limit A or 5,000,000 EUR under Limit B, regardless of the number of claimants.
1 050 000 EUR za škodu podľa čl. III ods. 2) písm. b), c) a d) a to bez ohľadu na počet poškodených a
allianz.sk · Page 3 zo 7 · Clause Čl. V ods. 2 písm. ab), bb) · Section: Článok V: Limit poistného plnenia · Read Aug 26, 2026
[3] Legal defence: Conditional ↩
Reimburses reasonably incurred legal representation costs for pursuing bodily-injury, property-damage or lost-profit claims, but only if the insurer failed its claim-handling duties or wrongfully refused/reduced the indemnity; these costs share the same 1,050,000 / 5,000,000 EUR sublimit as property damage and lost profit.
c) účel ne vy na lo že ných ná kla dov spo je ných s práv nym zas tú pe ním pri uplat ňo va ní ná ro kov pod ľa pís men a), b) a d), ak po is ťo va teľ ne spl nil po vin nos ti uve de né v čl. XII ods. 4) písm. a) ale bo písm. b) ale bo po is ťo va teľ ne opráv ne ne od mie tol pos kyt núť po is t né plne nie ale bo ne opráv ne ne krá til pos kyt nu té po is t né plne nie,
allianz.sk · Page 2 zo 7 · Clause Čl. III ods. 2 písm. c) · Section: Článok III: Rozsah poistenia zodpovednosti · Read Aug 26, 2026
[4] Green card: Covered ↩
The insurer issues a Green Card confirming the validity of the MTPL cover; it is valid for one insurance period and must be presented to police on request when driving in Slovakia and abroad.
Potvrdenie o poistení zodpovednosti vydáva poisťovateľ s platnosťou na celú dobu poistenia dohodnutú v poistnej zmluve. Zelenú kartu poisťovateľ vydáva s platnosťou na jedno poistné obdobie.
allianz.sk · Page 2 · Clause Čl. IV · Section: Článok IV: Potvrdenie o poistení zodpovednosti a zelená karta · Read Aug 26, 2026
[5] Passenger accident: Covered ↩
Passengers injured by the operation of the insured vehicle are compensated as injured third parties under the bodily-injury liability limit, except for the driver and except for the driver's spouse or persons who lived with the insured in the same household at the time of the event.
a) ško dy na zdra ví a ná kla dov pri usmr te ní,
allianz.sk · Page 2 zo 7 · Clause Čl. III ods. 2 písm. a) · Section: Článok III: Rozsah poistenia zodpovednosti · Read Aug 26, 2026

ČSOB Poisťovňa, a.s. 5 sourced claims

[6] Bodily injury liability: €6,450,000 – €7,000,000 ↩
Základný limit poistného plnenia (Štandard): 2 mil. € (vecné škody, účelne vynaložené náklady a ušlý zisk) a 6,45 mil. € (škody na zdraví). Pripoistenie vyššieho limitu poistného plnenia (Premium): 7 mil. € (vecné škody, účelne vynaložené náklady a ušlý zisk) a 7 mil. € (škody na zdraví).
csob.sk · Page 1 · Section: Čo je predmetom poistenia? · Read Aug 26, 2026
[7] Property damage liability: €2,000,000 – €7,000,000 ↩
Standard tier: 2,000,000 EUR for property damage, effectively incurred legal costs, and lost profit (VPP-PZP Art. 10.1a; IPID; brochure - all agree). Nadštandard/Premium tier: 7,000,000 EUR for the same items, available only for L/M1/N1 vehicles up to 3.5 t.
2 000 000 Eur za škodu podľa článku 3, bod 2., písm. b), c) a d) týchto VPP-PZP bez ohľadu na počet poškodených.
csob.sk · Page 5 · Clause Art. 10.1a · Section: Článok 10 > Plnenie poisťovateľa · Read Aug 26, 2026
[8] Legal defence: Conditional ↩
Reasonably incurred legal representation costs for pursuing claims are covered, but per VPP-PZP Art. 3.2(c) only if the insurer failed to meet its Art. 8 duties (timely investigation/decision) or wrongfully refused/reduced payment; the IPID lists it as a standard covered item within the same limit as property damage (2,000,000 / 7,000,000 EUR), without a separate sub-limit.
c) účelne vynaložených nákladov spojených s právnym zastúpením pri uplatňovaní nárokov podľa písm. a), b) a d) tohto bodu, ak poisťovateľ nesplnil povinnosti uvedené v článku 8, bod 1., písm. d), bod I. alebo bod II. VPP-PZP alebo poisťovateľ neoprávnene odmietol poskytnúť poistné plnenie alebo neoprávnene krátil poskytnuté poistné plnenie,
csob.sk · Page 2 · Clause Art. 3.2c · Section: Článok 3 > Rozsah poistenia, územná platnosť · Read Aug 26, 2026
[9] Green card: Covered ↩
The insurer automatically issues a Green Card (currently in white format) after conclusion of the policy, serving as proof of insurance for cover valid in Slovakia, all EU member states, and other Green Card countries. Per the IPID, Israel, Morocco, Tunisia, Iran, Russia and Belarus are explicitly excluded from that territory, whereas an older marketing brochure states cover extends across all of Europe plus the Russian Federation - the two statements conflict; the IPID is more recent and treated as authoritative.
PZP – platí na území štátov zelenej karty s výnimkou štátov: Izrael, Maroko, Tunisko, Irán, Rusko, Bielorusko a na území všetkých členských štátov EU.
csob.sk · Page 2 · Section: Kde sa na mňa vzťahuje krytie? · Read Aug 26, 2026
[10] Passenger accident: See details ↩
No distinct passenger-accident benefit is described in the provided sources; injured passengers are compensated as third parties under the bodily injury liability limit rather than through a separate accident benefit.
csob.sk · Read Aug 26, 2026

Generali Poisťovňa, branch of an insurance company from another member state 5 sourced claims

[11] Bodily injury liability: €5,240,000 – €10,000,000 ↩
Statutory minimum cover of €5,240,000 per claim regardless of the number of injured/deceased persons applies in Balík M. Balík L raises the limit to €6,000,000 and Balík XL raises it to €10,000,000.
Limit poistného plnenia podľa zákona za škodu podľa písmena a) a za sociálne a zdravotné náklady podľa písmena b) je 5240000 € z jednej škodovej udalosti bez ohľadu na počet zranených alebo usmrtených.
generali.sk · Page 7 · Section: B Informácie o rozsahu poistenia zodpovednosti > 2. Čo za vás ako poisteného zaplatíme a v akých limitoch · Read Aug 26, 2026
[12] Property damage liability: €1,050,000 – €10,000,000 ↩
Statutory minimum cover of €1,050,000 per claim for property damage, lost profit and legal representation costs applies in Balík M. Balík L raises the limit to €6,000,000 and Balík XL raises it to €10,000,000.
Limit poistného plnenia podľa zákona za škodu podľa písmen c), d) a e) je 1050000 € z jednej škodovej udalosti bez ohľadu na počet poškodených.
generali.sk · Page 7 · Section: B Informácie o rozsahu poistenia zodpovednosti > 2. Čo za vás ako poisteného zaplatíme a v akých limitoch · Read Aug 26, 2026
[13] Legal defence: €700 ↩
Generali reimburses the insured's own legal defence costs (attorney's fee, court costs, legal representation in criminal/administrative proceedings arising from the accident) up to €700 per claim, provided the insured meets the notification and cooperation duties.
Tieto náklady uhradíme maximálne v sume 700 € za jednu škodovú udalosť.
generali.sk · Page 7 · Section: B Informácie o rozsahu poistenia zodpovednosti > 2. Čo za vás ako poisteného zaplatíme a v akých limitoch · Read Aug 26, 2026
[14] Green card: Covered ↩
Issued automatically and free of charge after the policy is concluded as proof of valid MTPL cover; must be carried in the vehicle and is valid in EU member states and Green Card system countries.
Po uzavretí poistnej zmluvy vám pošleme tzv. Zelenú kartu (Medzinárodnú automobilovú poisťovaciu kartu). Táto karta je v čierno-bielej farbe. Slúži ako doklad, že auto má PZP. Majte ju počas jazdy vždy pri sebe.
generali.sk · Page 4 · Section: Základné informácie o poistení zodpovednosti · Read Aug 26, 2026
[15] Passenger accident: €6,000 ↩
Available in Balík L and XL as part of 'Poistenie úrazu dopravovaných osôb vrátane vodiča': pays €6,000 for death caused by an accident during vehicle operation, up to €6,000 for permanent consequences (per assessment table), and up to €1,000 for necessary treatment costs. Excludes persons transported in a part of the vehicle not designed for passengers and paid passenger transport (e.g. taxi).
Poistenie úrazu dopravovaných osôb sa vzťahuje na úrazy vzniknuté pri prevádzke vozidla a pokrýva: - smrť následkom úrazu s plnením 6 000 €, - trvalé následky úrazu s plnením podľa rozsahu trvalých následkov až do výšky 6 000 €, - dobu nevyhnutného liečenia s plnením podľa doby liečenia až do výšky 1 000 €.
generali.sk · Page 1 · Section: Čo je predmetom poistenia? > Voliteľné rozšírené balíky zahŕňajú navyše · Read Aug 26, 2026

Generali Poisťovňa, branch of an insurance company from another Member State, user of the Genertel trademark 5 sourced claims

[16] Bodily injury liability: €5,240,000 ↩
Maximum limit of 5,240,000 EUR per claims event for personal injury and death-related costs, regardless of the number of injured or deceased persons; this limit may be increased by agreement in the policy.
5 240 000 EUR za škodu podľa článku II. bodu 2 písm. a) a za náklady podľa článku II. bodu 3 bez ohľadu na počet zranených alebo usmrtených,
genertel.sk · Page 4 · Clause Art. IV.2.a · Section: Článok IV. Limity poistného plnenia · Read Aug 27, 2026
[17] Property damage liability: €1,050,000 ↩
Maximum limit of 1,050,000 EUR per claims event for damage caused by destruction, theft or loss of property, and for lost profit, regardless of the number of injured parties; this limit may be increased by agreement in the policy.
1 050 000 EUR za škodu podľa článku II. bodu 2 písm. b), c) a d), a to bez ohľadu na počet poškodených.
genertel.sk · Page 4 · Clause Art. IV.2.b · Section: Článok IV. Limity poistného plnenia · Read Aug 27, 2026
[18] Legal defence: €700 ↩
The insurer covers attorney's fees for defence in criminal or misdemeanour proceedings, court costs, and legal representation costs in damages proceedings, up to a limit of 700 EUR, unless a different limit is agreed in the policy.
Limit poistného plnenia pre poistenie zodpovednosti v rozsahu bodu 7 tohto článku VPP PZP predstavuje 700 EUR, ak nie je v poistnej zmluve dohodnuté inak.
genertel.sk · Page 3 · Clause Art. II.8 · Section: Článok II. Rozsah poistenia zodpovednosti · Read Aug 27, 2026
[19] Green card: Covered ↩
After conclusion of the policy, the insurer issues the policyholder, without undue delay, a confirmation of insurance and the Green Card (International Motor Insurance Certificate) as proof of MTPL coverage.
Poisťovateľ po uzavretí poistnej zmluvy vydá poistníkovi bez zbytočného odkladu potvrdenie o poistení zodpovednosti a zelenú kartu.
genertel.sk · Page 8 · Clause Art. X.1 · Section: Článok X. Práva a povinnosti poisťovateľa · Read Aug 27, 2026
[20] Passenger accident: Covered ↩
Passengers are treated as injured third parties and their bodily-injury claims are covered within the 5,240,000 EUR liability limit; the household-member exclusion under Art. III applies only to property/lost-profit/legal-cost claims, not to bodily injury claims.
genertel.sk · Read Aug 27, 2026

KOOPERATIVA poisťovňa, a.s. Vienna Insurance Group 5 sourced claims

[21] Bodily injury liability: €6,450,000 ↩
Both the Partner and Europartner variants provide an identical limit of 6,450,000 EUR for bodily injury or death, including other harm, funeral costs and recourse claims of social/health insurers, regardless of the number of injured/deceased persons (current 2024 IPID edition). An earlier 2019/2022 edition of the documentation stated a lower limit of 5,240,000 EUR for this risk.
6 450 000 EUR za škodu na zdraví, inej ujmy, nákladov pri usmrtení a regresy sociálnej a zdravotných poisťovní,
a.storyblok.com · Page 1 · Section: Čo je predmetom poistenia? > Poistenie zodpovednosti PARTNER · Read Aug 26, 2026
[22] Property damage liability: €1,300,000 – €2,300,000 ↩
Partner variant: 1,300,000 EUR for property damage and lost profit; Europartner variant: 2,300,000 EUR for property damage and lost profit, each regardless of number of damaged parties (current 2024 IPID edition). Earlier 2019/2022 documentation stated 1,050,000 EUR (Partner) and 2,050,000 EUR (Europartner). If claims of multiple injured parties exceed the limit, indemnity is reduced proportionally.
1 300 000 EUR za škodu na majetku a ušlého zisku,
a.storyblok.com · Page 1 · Section: Čo je predmetom poistenia? > Poistenie zodpovednosti EUROPARTNER · Read Aug 26, 2026
[23] Legal defence: Covered ↩
Usefully incurred costs of legal representation when asserting claims are not a separate limit; they are included within, and paid from, the property damage liability limit (1,300,000 / 2,300,000 EUR).
bmw.sk · Read Aug 26, 2026
[24] Green card: Covered ↩
A Green Card is issued free of charge by Kooperativa for every insured vehicle and confirms valid MTPL cover in the states indicated on it, i.e. member states of the Green Card System with which the Slovak Insurers' Bureau has a settlement agreement; it may be issued in paper or electronic form.
bmw.sk · Read Aug 26, 2026
[25] Passenger accident: Covered ↩
The same 'Verejný prísľub ÚRAZ' also covers members of the crew (passengers) of the at-fault vehicle for accidental death and permanent injury; the exact monetary limit is not stated in the IPID or ZD documents provided.
Verejný prísľub ÚRAZ (ďalej len VPú) – riziká smrť úrazom a trvalé následky. V prípade úrazu vodiča (škodcu) a členov posádky poisteného motorového vozidla, ktoré nehodu spôsobilo.
a.storyblok.com · Page 1 · Section: Čo je predmetom poistenia? > Dodatkové pripoistenia · Read Aug 26, 2026

KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group 5 sourced claims

[26] Bodily injury liability: €6,450,000 ↩
Both the GARANT PLUS and EUROGARANT PLUS variants provide liability cover for personal injury, other harm and death costs up to 6,450,000 EUR per claim, regardless of the number of injured or deceased persons.
6 450 000 EUR za škodu podľa čl. 2 ods. 1 písm. a) a náklady podľa čl. 2 ods. 2 bez ohľadu na počet zranených alebo usmrtených,
kpas.sk · Page 5/9 · Clause Čl. 9 ods.1 písm. a) · Section: Článok 9 > Plnenie poisťovne · Read Aug 26, 2026
[27] Property damage liability: €1,300,000 – €2,300,000 ↩
The GARANT PLUS variant covers property damage, destruction, theft or loss of a thing and lost profit up to 1,300,000 EUR per claim (the statutory minimum); the EUROGARANT PLUS variant raises this limit to 2,300,000 EUR per claim, regardless of the number of damaged parties.
2 300 000 EUR za škodu podľa čl. 2 ods. 1 písm. b) až d) bez ohľadu na počet poškodených,
kpas.sk · Page 7/9 · Clause Čl. 15 ods.1 písm. b) · Section: Článok 15 > Poistenie zodpovednosti EUROGARANT PLUS · Read Aug 26, 2026
[28] Legal defence: Conditional ↩
Reasonable legal representation costs of the injured party are reimbursed only if the insurer failed to meet its statutory duties under §11(6) of the MTPL Act or wrongfully refused or reduced the indemnity. These costs are paid within the overall bodily-injury/property-damage limits (no separate sub-limit) and are capped at the statutory attorney tariff.
účelne vynaložených nákladov spojených s právnym zastúpením pri uplatňovaní nárokov podľa písmen a), b) a d), ak poisťovňa nesplnila povinnosti uvedené v § 11 ods. 6 písm. a) alebo písm. b) zákona o PZP alebo poisťovňa neoprávnene odmietla poskytnúť poistné plnenie, alebo neoprávnene krátila poskytnuté poistné plnenie,
kpas.sk · Page 1/9 · Clause Čl. 2 ods.1 písm. c) · Section: Článok 2 > Rozsah poistenia, poistná udalosť · Read Aug 26, 2026
[29] Green card: Covered ↩
The insurer issues the International Motor Insurance Card free of charge after the policy is concluded, evidencing cover in Slovakia and the listed Green Card member states. New cards are issued in black-and-white format; previously issued green-coloured cards remain valid until their printed expiry date.
Medzinárodná automobilová poisťovacia karta (bývalá Zelená karta) – slúži ako doklad o poistení na Slovensku a v zahraničí. Túto medzinárodnú poisťovaciu kartu môžete dostať od svojej poisťovne už len v bielo-čiernej farbe, pričom doteraz vydané karty v zelenej farbe sú platné do konca svojej platnosti vyznačenej na karte.
kpas.sk · Section: Povinné zmluvné poistenie – Osobné auto > Čo mám poistené v rámci PZP? > Bezplatné benefity · Read Aug 26, 2026
[30] Passenger accident: €3,320 ↩
Free automatic supplementary accident benefit for each member of the crew of the insured vehicle in a road accident, up to 3,320 EUR per person, provided via a public pledge for policies with an insurance period running from 01.01.2026 to 31.12.2026.
Verejný prísľub ÚRAZ – poskytuje poistné plnenie v prípade úrazu (riziká smrť úrazom a trvalé následky úrazu) vodiča – škodcu a členov posádky poisteného motorového vozidla, ktoré spôsobilo nehodu do výšky ročného limitu 3 320 eur pre každé jedno sedadlo a jednu poškodenú osobu.
kpas.sk · Section: Povinné zmluvné poistenie – Osobné auto > Čo mám poistené v rámci PZP? > Bezplatné benefity · Read Aug 26, 2026

Pillow pojišťovna, a.s. 5 sourced claims

[31] Bodily injury liability: €6,500,000 – €10,000,000 ↩
Three selectable liability tiers for bodily injury: 6.5 million EUR (basic tier, paired with 1.3M property tier), 8 million EUR (mid tier, paired with 5M property tier), and 10 million EUR (top tier, uniform limit for all damages).
mypillow.sk · Source no longer reachable · Read Aug 27, 2026
[32] Property damage liability: €1,300,000 – €10,000,000 ↩
Three selectable liability tiers for property damage: 1.3 million EUR (basic tier, paired with 6.5M bodily injury tier), 5 million EUR (mid tier, paired with 8M bodily injury tier), and 10 million EUR (top tier, uniform limit for all damages).
mypillow.sk · Source no longer reachable · Read Aug 27, 2026
[33] Legal defence: See details ↩
No official source describes a dedicated legal defence coverage for this product.
mypillow.sk · Source no longer reachable · Read Aug 27, 2026
[34] Green card: Covered ↩
The green card (international motor insurance certificate) is issued free of charge and sent immediately by email together with the contract proposal; it is valid throughout the insurance period as long as premiums are paid on time.
mypillow.sk · Source no longer reachable · Read Aug 27, 2026
[35] Passenger accident: See details ↩
No official source confirms a distinct passenger (as opposed to driver) accident coverage for this product.
mypillow.sk · Source no longer reachable · Read Aug 27, 2026

Union poisťovňa, a. s. 5 sourced claims

[36] Bodily injury liability: €6,450,000 ↩
Union covers third-party bodily injury and death claims up to €6,450,000 per claim, available in both the OPTIMUM and EXCELENT packages.
Balík OPTIMUM kryje škody na zdraví do výšky 6 450 000 eur a škody na majetku do výšky 1 300 000 eur.
union.sk · Section: PZP - Povinné zmluvné poistenie UniMotor > Povinné zmluvné poistenie s mnohými výhodami > Čo získate s naším zákonným poistením? · Read Aug 26, 2026
[37] Property damage liability: €1,300,000 – €5,000,000 ↩
Property damage liability is covered up to €1,300,000 in the OPTIMUM package or up to €5,000,000 in the EXCELENT package.
Balík EXCELENT kryje škody na zdraví do výšky 6 450 000 eur a škody na majetku do výšky 5 000 000 eur.
union.sk · Section: PZP - Povinné zmluvné poistenie UniMotor > Povinné zmluvné poistenie s mnohými výhodami > Čo získate s naším zákonným poistením? · Read Aug 26, 2026
[38] Legal defence: Covered ↩
Reasonably incurred legal representation costs for pursuing a claim are covered, capped at the statutory attorney tariff rate; no separate monetary limit is set in the general terms.
union.sk · Read Aug 26, 2026
[39] Green card: Covered ↩
Union issues the Green Card (International Motor Insurance Card) to the policyholder without undue delay after conclusion of the contract, at no extra cost.
union.sk · Read Aug 26, 2026
[40] Passenger accident: €10,000 ↩
Optional accident insurance for the driver or entire vehicle crew, covering permanent injury consequences and death due to accident up to €10,000 per insured person, plus a daily hospitalisation benefit of €20 per day for up to 60 days, with no deductible.
najpoistenie.sk · Read Aug 26, 2026

UNIQA pojišťovna, a.s., branch of an insurer from another Member State 5 sourced claims

[41] Bodily injury liability: €7,000,000 – €10,000,000 ↩
UNIQA offers selectable MTPL packages: MINI covers bodily injury/health damage up to €7 million, PLUS up to €7 million, and EXTRA up to €8 million. Customers can also configure an individual (custom) limit up to €10 million for health damage. If the policy does not specify otherwise, the statutory default limit under the T&Cs is €6,450,000 regardless of the number of injured or deceased persons.
Sami si určite rozsah krytia, doplnkové poistenia aj limity plnenia, ktoré môžete navýšiť až na nadštandardných 10/10 mil. €.
uniqa.sk · Section: Vyberte si z balíkov PZP · Read Aug 26, 2026
[42] Property damage liability: €2,000,000 – €10,000,000 ↩
Property damage liability varies by package: MINI covers up to €2 million, PLUS up to €6 million, and EXTRA up to €8 million, with a fully customisable limit available up to €10 million. If unspecified, the statutory default under the T&Cs is €1,300,000 regardless of the number of victims.
Limit PZP (majetok/zdravie) 2/7 mil. €
uniqa.sk · Section: Vyberte si z balíkov PZP · Read Aug 26, 2026
[43] Legal defence: Conditional ↩
Costs effectively incurred for legal representation when pursuing claims are covered within the base MTPL policy, but only if the insurer failed to fulfil its statutory duties (e.g. timely explanation) or wrongfully refused or reduced the payout; this cost forms part of the overall property/other-damage claim rather than a separate capped sum. A separate optional rider, 'Právnik do auta' (Legal assistance/Právna asistencia), providing broader legal protection with its own annual limit (up to €20,000, or €400 in the basic UNIQA asistencia programme), can be purchased for a fee.
účelne vynaložených nákladov spojených s právnym zastúpením pri uplatňovaní nárokov podľa písmen a), b) a d), ak poisťovateľ nesplnil povinnosti uvedené v § 11 ods. 6 písm. a) alebo písm. b) zákona o PZP alebo poisťovateľ neoprávnene odmietol poskytnúť poistné plnenie alebo neoprávnene krátil poskytnuté poistné plnenie
essoxfin.sk · Page 3/11 · Clause čl. 3 ods. 1 písm. c) · Section: Článok 3 > Rozsah poistenia · Read Aug 26, 2026
[44] Green card: Covered ↩
An international certificate confirming valid MTPL cover, issued by the insurer free of charge without undue delay after the policy is concluded, valid for use within the EU/EEA and any other country listed on the card. Since 1 July 2020 the card has been issued in black-and-white per EU agreement and can be printed on a standard printer.
Od 1. júla 2020 sa postupne začali vydávať karty biele s čiernou potlačou podľa európskej dohody štátov. Zelenú kartu je možné vytlačiť na čiernobielej tlačiarni.
uniqa.sk · Section: Zelená karta online (duplikát) · Read Aug 26, 2026
[45] Passenger accident: Optional ↩
As an extension of the optional accident rider (Part D6), cover can be selected for all occupants of the insured vehicle (not just the driver), paying lump sums for permanent disability and death within the chosen sum insured; a separate child-accident and child-seat benefit is also available.
Poistené osoby na sedadle poisteného vozidla špecifikovaného v poistnej zmluve, možno dojednať ako poistenie: a) vodiča, alebo b) všetkých osôb vo vozidle.
a.storyblok.com · Page Strana 32 · Clause D6 ods. 9 · Section: Časť D – Doplnkové poistenia > D6. Poistenie pre prípad úrazu a poúrazovej asistencie · Read Aug 26, 2026

Wüstenrot poisťovňa, a.s. 5 sourced claims

[46] Bodily injury liability: €6,450,000 – €8,000,000 ↩
Covers claims for bodily injury, other harm and death caused to third parties by the operation of the insured vehicle. The limit is EUR 6.45 million in the Štandard and Komfort tiers, rising to EUR 8 million in the Premium and Extra tiers.
Limit 6,45 mil./1,30 mil. 6,45 mil./1,30 mil. 8,00 mil./8,00 mil. 8,00 mil./8,00 mil.
mojepzp.sk · Page 33 · Section: B. Predmet poistenia > B2. Balíky poistenia · Read Aug 26, 2026
[47] Property damage liability: €1,300,000 – €8,000,000 ↩
Covers damage, destruction, theft or loss of third-party property (including other vehicles) caused by the insured vehicle. The limit is EUR 1.3 million in the Štandard and Komfort tiers, rising to EUR 8 million in the Premium and Extra tiers.
Limit 6,45 mil./1,30 mil. 6,45 mil./1,30 mil. 8,00 mil./8,00 mil. 8,00 mil./8,00 mil.
mojepzp.sk · Page 33 · Section: B. Predmet poistenia > B2. Balíky poistenia · Read Aug 26, 2026
[48] Legal defence: Covered ↩
The insurer reimburses reasonably incurred legal representation costs when enforcing a justified claim if the insurer failed to investigate the loss on time or wrongly refused or reduced the payout. The Komfort, Premium and Extra packages additionally bundle a dedicated Legal Protection add-on (telephone legal advice, mediation and legal assistance in civil, criminal, administrative and contract-law disputes connected with the vehicle); this add-on is not part of the Štandard package.
účelne vynaložených nákladoch spojených s právnym zastúpením pri uplatňovaní nárokov podľa písmen a), b) a d) ak sme si nesplnili povinnosť bezodkladného prešetrovania alebo sme neoprávnene odmietli poskytnúť poistné plnenie, alebo neoprávnene krátili poskytnuté poistné plnenie
mojepzp.sk · Page 30 · Clause 69 · Section: B. Predmet poistenia > B1. PZP > Čo máte poistené · Read Aug 26, 2026
[49] Green card: Covered ↩
An International Motor Insurance Card (Green Card) confirming valid MTPL cover is issued automatically and free of charge without delay after the policy is concluded, and must be returned to the insurer when the policy ends.
Ako potvrdenie o uzavretí poistnej zmluvy Vám vydáme poistku a zelenú kartu.
mojepzp.sk · Page 13 · Clause 11 · Section: A. Všeobecná časť > A3. Najdôležitejšie informácie o Vašej poistnej zmluve · Read Aug 26, 2026
[50] Passenger accident: Conditional ↩
Optional accident cover for permanent injury or death of passengers transported in the insured vehicle at the time of the accident, sharing the same total insured sum as the driver cover. Bundled into the Komfort, Premium and Extra packages; not part of the Štandard package. The exact sum is stated in the individual policy proposal.
Pripoistenie si dojednávate pre prípad trvalých následkov v dôsledku úrazu a smrti spôsobenej úrazom pre všetky osoby prepravované poisteným vozidlom v čase poistnej udalosti.
mojepzp.sk · Page 36 · Clause 88 · Section: B. Predmet poistenia > B3. Pripoistenia > Úrazové pripoistenie · Read Aug 26, 2026

AI share of voiceNew

Which brands do AI assistants name for motor third-party liability insurance in Slovakia?

How often insurers, brokers and banks are named when people ask ChatGPT, Gemini and Claude unbranded motor third-party liability questions in Slovak.

Run Sep 24, 2026 · 33 answersMethodology

Share-of-voice leader · 10.6%: Generali
Brands detected: 29
Valid AI answers: 33
Answers backed by live web search: 91%

Top 10 brands

Share of all brand mentions in AI answers, averaged equally across the three assistants.

Assistant:

1GeneraliInsurerNamed in 83% of answers10.6%
2Allianz - Slovenská poisťovňaInsurerNamed in 76% of answers · first choice in 30%9.2%
3UNIQAInsurerNamed in 69% of answers · first choice in 11%8.9%
4KooperativaInsurerNamed in 65% of answers · first choice in 11%7.0%
5Pillow poisťovňaInsurerNamed in 50% of answers6.9%
6Netfinancie.skBrokerNamed in 53% of answers · first choice in 6%6.4%
7Superpoistenie.skBrokerNamed in 48% of answers · first choice in 9%6.1%
8Najpoistenie.skBrokerNamed in 35% of answers5.3%
9Poistenie.skBrokerNamed in 39% of answers · first choice in 20%5.1%
10Union poisťovňaInsurerNamed in 44% of answers · first choice in 6%4.4%

Who owns the answer

Insurers60.8%
Brokers39.2%

Questions asked (6, in Slovak)

Ktoré je najlepšie povinné zmluvné poistenie (PZP) na Slovensku?Which is the best compulsory third-party liability insurance in Slovakia?
Kde môžem online porovnať a uzavrieť PZP na Slovensku?Where can I compare and buy third-party liability insurance online in Slovakia?
Ktoré poisťovne ponúkajú najlepšie PZP na Slovensku?Which companies offer the best third-party liability insurance in Slovakia?
Ktoré PZP má najlepší pomer ceny a krytia na Slovensku?Which third-party liability insurance offers the best value for money in Slovakia?
Kde nájdem najlacnejšie PZP pre moje auto na Slovensku?Where can I find the cheapest third-party liability insurance for my car in Slovakia?
Ktoré poisťovne na Slovensku sú najdôveryhodnejšie pri likvidácii škôd z PZP?Which are the most reliable insurance companies in Slovakia when it comes to paying third-party liability claims?

Are you one of these insurers?

See how AI describes your product and correct it with reviewed data.

Check your product

Six unbranded questions in Slovak, asked twice to OpenAI (gpt-5.6), Gemini (gemini-3.6-flash) and Claude (claude-sonnet-5) with live web search. With two repeats, differences of a few points between neighbouring brands are within run-to-run noise. Share of voice is not a Boleron ranking and does not affect the coverage comparison below.

Market notes

Motor third-party liability — Slovakia

Allianz

ČSOB

Generali

Genertel

Kooperativa

Komunálna poisťovňa

Pillow

Union

UNIQA

Wüstenrot