Allianz

territorial_scope

MTPL coverage is valid in all countries of the Green Card system (international motor insurance certificate). Assistance services are valid within the geographic territory of Europe including the European part of Turkey and the Greek part of Cyprus, with the exception of Belarus, Russia, Ukraine and Moldova. Legal assistance applies only in the territory of the Slovak Republic.

green_card_rules

The Green Card is issued by the insurer with validity for one insurance period. Upon conclusion of the contract, a preliminary Green Card valid for 60 days is issued; after acceptance, a Green Card valid for 1 year is sent. Countries in which the Green Card must be presented: Albania, Belarus, Bosnia and Herzegovina, Iran, Israel, Macedonia, Moldova, Montenegro, Morocco, Russian Federation, Tunisia, Turkey, Ukraine. In other Green Card system countries, the PZP is recognised automatically based on the vehicle registration plate. The Green Card must be surrendered or invalidated upon termination of the policy.

driver_restrictions

The insurer is entitled to seek reimbursement of paid claims if the vehicle was operated by a person who: drove without the required driving licence or under a court-imposed driving ban; drove under the influence of addictive substances; refused a sobriety or substance test after an accident; was knowingly entrusted the vehicle by the policyholder despite not meeting legal requirements; or used the vehicle without authorisation. No minimum driver age restriction is stated for the COMFORT MTPL package, though factors such as the driver being under 24 years are considered in premium calculation.

claim_notification_deadline

The insured must notify the insurer in writing of the occurrence of an insured event within 15 days of its occurrence if it occurred on the territory of the Slovak Republic, or within 30 days if it occurred outside the Slovak Republic. Late notification (after these deadlines) entitles the insurer to reduce the claim payout by 20%. Incidents best reported as soon as possible, ideally within 24 hours, via www.allianz.sk/skoda or Infoline +421 2 50 122 222. Traffic accidents reportable to police under applicable law must be reported to the police.

bonus_malus_rules

The bonus/malus system has been in effect since 01.01.2002 and applies to all vehicle types except motorcycles (incl. trikes and quads) with engine capacity up to 50 cc, tractors, self-propelled work machines without a registration number, and trailers other than semi-trailers. At policy inception, the vehicle is placed in the basic class (Z, 0 months, 0% adjustment). Each claim reduces the loss history period by 36 months. Positive loss history period: max. 120 months (class B10: 60% discount). Negative loss history period: max. 60 months (class M5: 60% surcharge). For individuals, loss history is tracked for the last 10 years; for companies, the last 5 years. Prior loss history from a lapsed policy is transferable if the gap between policies is under 1 year (no change); over 1 year but under 5 years (positive period reduced by elapsed months); over 5 years (positive period not transferred, negative period unchanged). Bonus is not granted if the previous policy lapsed due to non-payment.

Legal assistance

Telephone legal advice provided as part of the MTPL insurance, available 24/7

Assistance services

Basic or extended roadside assistance depending on package chosen (Comfort has basic, Plus/Extra/Max have extended)

Accident injury insurance

Insurance covering accidental injury of driver and passengers caused by traffic accident, with limits varying by package

Animal collision coverage

Covers damage caused by collision with wild or domestic animals, or damage from rodents

Natural hazard coverage

Covers damage from natural events including fire, explosion, flooding, storm, hail, and lightning

Theft coverage

Covers theft of vehicle or its components/accessories

Vandalism coverage

Covers intentional damage to parked vehicle caused by third parties

Glass coverage

Covers damage to glass surfaces of vehicle from various causes

Collision damage coverage

Full casco coverage for damage resulting from accident caused to the insured vehicle

GAP insurance

Covers the financial gap between original purchase price and current market value in case of total loss or theft

Replacement vehicle rental

Coverage for costs of renting replacement vehicle when insured vehicle is not drivable

Policy term

Insurance is concluded for indefinite duration unless otherwise agreed in contract

Premium payment

Premium can be paid annually, semi-annually, or quarterly in advance

Bonus-Malus system

Discount system based on claims-free periods. Premium is adjusted based on loss history

Deductible

Policyholder's share in claim settlement. Amount varies depending on package and risk type

Claims notification deadline

Insured must notify insurer of loss event within statutory period

Vehicle age restrictions

Different package availability based on vehicle age. Vehicles over 10 years old have restricted package options

Vehicle eligibility

MOJE AUTO product is available only for vehicles up to 3.5 tons gross weight

Repair authorization requirement

Policyholder must obtain insurer approval before starting vehicle repairs

Vehicle inspection requirement

Policyholder cooperation required during vehicle inspection after claim