Allianz Motor third-party liability (Povinne Zmluvne Poistenie)
Underwritten by Allianz - Slovenská poisťovňa, a. s. · Slovakia
motor third-party liability insurance from Allianz for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2020-02-01Sources
Unique selling points
Claims for damaged vehicles are settled without deduction for wear-and-tear ("bez amortizácie"), covering full reasonable repair costs up to the vehicle's general value.
Optional higher liability limit of 10 million EUR for bodily injury and 5 million EUR for property damage, well above the basic 5.24m/1.05m EUR limit.
24/7/365 Allianz Assistance helpline for breakdowns, accidents or vehicle theft, available in Slovakia and abroad.
Free telephone legal advice for drivers and passengers provided via the dedicated infoline.
Allianz has been ranked the world's number-one insurance brand for the seventh consecutive year in the Interbrand Best Global Brands 2025 ranking.
Coverage limits
Bodily Injury Liability
€5.2M – €10M
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.
Section: Článok V: Limit poistného plnenia
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
Property Damage Liability
€1.1M – €5M
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.
Section: Článok V: Limit poistného plnenia
1 050 000 EUR za škodu podľa čl. III ods. 2) písm. b), c) a d) a to bez ohľadu na počet poškodených a
Legal Representation Costs
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.
Section: Článok III: Rozsah poistenia zodpovednosti
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,
Green Card (International Proof of Insurance)
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.
Section: Článok IV: Potvrdenie o poistení zodpovednosti a zelená karta
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.
Roadside Assistance
Covered
Basic (Štandard) or extended (Komfort) roadside assistance is provided together with the liability cover in the event of breakdown, damage or theft of the vehicle, including on-site repair, towing, transport of persons and information services, reachable 24/7 via the Allianz Assistance helpline.
Section: Poistenie vozidiel > Čo je predmetom poistenia?
Spolu s poistením zodpovednosti môžu byť poskytované aj asistenčné služby Štandard alebo Komfort.
Driver Accident Cover
Excluded
Damage suffered by the driver of the vehicle whose operation caused the accident is explicitly excluded from the statutory MTPL cover; separate voluntary accident insurance (offered within the Moje auto packages) is needed for driver injury benefits.
Section: Článok IV: Výluky z poistenia zodpovednosti
kto rú utr pel vo dič mo to ro vé ho vo zi dla, kto ré ho pre vádz kou bola ško da spô so be ná,
Passenger Injury Compensation
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.
Section: Článok III: Rozsah poistenia zodpovednosti
a) ško dy na zdra ví a ná kla dov pri usmr te ní,
Key conditions
Driver restrictions
The policy does not set special driver-eligibility criteria, but the insurer has a right of recourse against the driver if the accident was caused while driving without a valid licence, under the influence of an addictive substance, or during a court-ordered driving ban.
Claim notification deadline
The insured must notify the insurer in writing of a claim within 15 days if it occurred in Slovakia, or within 30 days if it occurred abroad.
Bonus-malus rules
Premium is adjusted via a bonus/malus scale based on claims-free duration: bonus classes range up to a 60% discount for 120+ claims-free months, malus classes up to a 60% surcharge for 49-60 months of adverse claims history; each claim reduces the claims-free duration by 36 months. The system does not apply to mopeds under 50cc, tractors, unregistered self-propelled machinery, or trailers other than semi-trailers.
Territorial scope
Slovak Republic, all EU/EEA member states, and other states designated by the insurer on the Green Card
Documents
General Insurance Terms and Conditions for MTPL (opens in a new tab)
Terms & conditions · PDF
Special Insurance Terms and Conditions for MTPL (Bonus/Malus) (opens in a new tab)
Terms & conditions · PDF
Contractual Arrangements for MTPL (Bonus/Malus) (opens in a new tab)
Other document · PDF
Insurance Product Information Document - MTPL (current) (opens in a new tab)
Product information sheet · PDF
Insurance Product Information Document - MTPL (earlier edition) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Legal Assistance Service
Telephone legal advice service provided during business hours as standard benefit
SourceSection: 4 balíky poistenia - 1 voľba
telefonické právne poradenstvo .
Online Accident Reporting
Digital claims tracking system allowing policyholders to report and monitor accident claims online in real-time
SourceSection: Užitočné rady, ako využiť vaše poistenie naplno
Po jej nahlásení vám pridelíme číslo, na základe ktorého môžete sledovať celý priebeh likvidácie online.
Vehicle Inspection Requirement
Insurer reserves right to inspect vehicle before settlement; refusal may result in claim denial
SourcePage 45Section: 2.4 CLAIM HAPPENED – WHAT COMES NEXT? > Assessment
Your co-operation is required during vehicle inspection. We may not pay any compensation if you or the insured refuse the inspection and as a result, we will not be able to verify the type and extent of damage or circumstances that caused the damage.
Prior Repair Approval Condition
Vehicle must not be repaired without insurer approval; repairs initiated without agreement may not be covered
SourcePage 45Section: 2.4 CLAIM HAPPENED – WHAT COMES NEXT? > Assessment
Do not repair the vehicle without prior agreement with us. You can start with the repair if you have submitted evidence of the extent of damage and we do not respond within 7 days after we received the claim notification.
Premium Payment Terms
Premium payable on first day of insurance period; can be paid annually, semi-annually, quarterly, or monthly via bank transfer or SEPA direct debit
SourcePage 54Section: 2.5 THE MOST IMPORTANT INFORMATION ABOUT YOUR INSURANCE > Payment of premiums
The premium is payable on the first day of the insurance period. You can find its amount in the insurance contract.
Statutory Coverage Scope
Complete scope of MTPL coverage as defined by Slovak Act No. 381/2001 on Obligatory Third Party Liability Insurance; exclusions also defined by law
SourcePage 13Section: 2.1 WHAT DOES THE PRODUCT COVER? > MTPL
The complete scope of coverage is set out in the law.
Proportional Claims Reduction
If total compensation claims exceed coverage limit, each claimant receives proportionally reduced compensation based on coverage limit ratio
SourcePage 13Section: 2.1 WHAT DOES THE PRODUCT COVER? > MTPL
If the compensation to be paid to several damaged parties exceeds the coverage limit, the compensation paid to each of them will be reduced proportionally as the ratio of the insurance coverage limit and the sum of all claims.
Sources
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/moje-auto/2025/06_25/allianz_sk_my-car-insurance-benefits-guide_15062025.pdf#page=23(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/moje-auto/2025/06_25/allianz_sk_my-car-insurance-benefits-guide_15062025.pdf#page=28(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/moje-auto/2025/06_25/allianz_sk_my-car-insurance-benefits-guide_15062025.pdf#page=7(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/pzp/OPP_PZP_25_05_2011.pdf#page=1(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/pzp/VPP_PZP_2020.pdf#page=2(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/pzp/VPP_PZP_2020.pdf#page=3(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/pzp/Vozidla_Pzp_IPID.pdf#page=1(opens in a new tab)
- allianz.skhttps://www.allianz.sk/content/dam/onemarketing/cee/azsk/vozidla/pzp/zmluvne_dojednania_pzp.pdf#page=2(opens in a new tab)
- allianz.skhttps://www.allianz.sk/sk/sukromne-osoby/vozidla/povinne-zmluvne-poistenie.html(opens in a new tab)
Allianz Motor third-party liability