Motor third-party liability
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| Feature / category | Allianz May 21, 2026 Open details | ČSOB May 21, 2026 Open details | Generali May 21, 2026 Open details | KOMUNÁLNA poisťovňa May 21, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Allianz - Slovenská poisťovňa, a.s. | ČSOB Poisťovňa, a. s. | Generali Poisťovňa, branch of an insurance company from another member state | KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | — | €70 | — | — |
Billing basis | annual | annual | annual | annual |
IPID | IPID | Not available | IPID | Not available |
Terms & conditions | ||||
| Coverage | ||||
Bodily injury liability | €6,450,000 – €10,000,000 | €6,070,000 | Covered | €6,450,000 |
Property damage liability | €1,300,000 – €5,000,000 | €2,000,000 | Covered | €1,300,000 – €2,300,000 |
Legal defence | Covered | Covered | €700 | Covered |
Green card | Covered | Covered | Covered | Covered |
Passenger accident | Covered | Excluded | Optional supplementary coverage for injury or death of vehicle occupants (including driver) resulting from an accident during vehicle operation. Included in packages L and XL. Covers: death by accident (6,000 EUR), permanent consequences of injury (up to 6,000 EUR according to extent), and necessary medical treatment duration (up to 1,000 EUR). Valid on the geographical territory of Europe and all of Turkey. Not applicable to injuries during loading/unloading of goods or transport for remuneration. | €3,320 |
| Key conditions | ||||
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. | The policy is valid in Slovakia and in all EU/EEA member states and other countries listed on the Green Card issued by ČSOB Poisťovňa. Exceptions (not covered): Israel, Morocco, Tunisia, Iran, Russia, and Belarus. For damage caused in another EU member state, the claimant receives indemnity at least to the level required by the law of that state. Optional add-on coverages (animal collision, natural disaster, theft) are valid in Slovakia only. | The insurance is valid in the territory of Green Card system states (EU member states and other signatory states of the Green Card system), excluding sanctioned countries listed on generali.sk. These include Belarus, Iran, DPRK, Cuba (with US element), Russian Federation, Syria, Venezuela (with US element), and the Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions. For damage caused in another member state, compensation is provided according to the law of that member state unless the policy provides broader cover. Slovak Green Cards are not valid in Russia or Belarus since June 2023. | The insurance covers damage (including other harm) that occurred on the territory of the Slovak Republic or in any member state of the International Motor Insurance Card (Green Card) system with which the Slovak Insurers' Bureau has concluded a mutual claims settlement agreement, and which is listed on the International Motor Insurance Card issued by the insurer for the insured vehicle. |
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. | The insurer issues a Green Card (currently in black-and-white format, replacing the former green-coloured card) after conclusion of the contract. On online purchase a temporary card is available immediately; the annual card is sent by post within 30 days or electronically if e-correspondence has been set up. The Green Card is re-issued annually upon payment of the premium for the next policy period. | The insurer issues the Green Card (International Motor Insurance Certificate) to the policyholder without undue delay after conclusion of the insurance contract. The policyholder must return or destroy the Green Card within 15 days of policy termination. The insured must carry the Green Card during all journeys as proof of liability insurance. A temporary Green Card valid for 1 month is available immediately upon online conclusion of the policy. | The insurer issues the International Motor Insurance Card (Green Card) to the policyholder without delay after the contract is concluded and after premium payment. The card is now issued in black-and-white format; previously issued green cards remain valid until their stated expiry. In the event of loss the insurer issues a replacement upon written request, subject to a fee. The policyholder must return the card to the insurer upon termination of the insurance. |
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. | The policy covers any person legally operating the insured vehicle. The insurer has a right of recovery against the policyholder or insured if the vehicle was driven without a valid driving licence, under the influence of addictive substances, or if the vehicle was intentionally handed over to an unqualified driver. Vehicles with foreign licence plates cannot be insured online with ČSOB Poisťovňa. | Any person responsible for damage caused by the operation of the insured vehicle is covered. No named-driver restriction applies. The insurer has the right of recourse against the insured if: the vehicle was driven without a valid driving licence, under the influence of an addictive substance, if the driver refused to undergo a substance test after an accident, or if the vehicle was knowingly entrusted to an unqualified driver. | The insurance covers any person driving the insured vehicle with the operator's knowledge and consent. The insurer has a right of recourse against the insured if the vehicle was driven without the operator's knowledge or consent, without a valid driving licence, under the influence of alcohol or narcotic substances, or if the insured intentionally caused the damage. |
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. | The insured must notify the insurer of a claim event in writing within 15 days for events in Slovakia and within 30 days for events abroad. The insurer must complete its investigation and notify the claimant of the indemnity amount or provide written reasons for refusal within 3 months of receiving the claim notification. Payment must be made within 15 days of completing the investigation or receiving a final court decision. | The insured must notify the insurer of a loss event: within 15 days of its occurrence if it occurred on the territory of the Slovak Republic, or within 30 days of its occurrence if it occurred abroad. Failure to notify within these deadlines gives the insurer the right to seek reimbursement of paid indemnity from the insured. | The insured must notify the insurer of a claim event without undue delay: within 15 days of its occurrence if it happened on the territory of the Slovak Republic, or within 30 days if it occurred abroad. In the event that police notification is not required, the insured must complete and sign a joint accident report form with the other parties. |
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. | Bonuses (premium discounts) are awarded for claim-free periods and increase with the number of claim-free months. Malus surcharges are applied based on the number of at-fault claims; ČSOB applies a malus of 50% per at-fault claim up to a maximum of 150%. The claims history is verified through the Slovak Insurers' Bureau central register covering a 10-year lookback period. The minimum annual premium after applying any discount is EUR 69.99. Discounts do not apply to add-on coverages. | Generali applies its own contractual bonus/malus system (not a centrally legislated statutory schedule) when agreed in the insurance contract, across all motor vehicle categories. A bonus (premium discount) is granted for claim-free history; a malus (premium surcharge) is applied for a claims history. The decisive period is continuous uninterrupted insurance without a qualifying claim event. For each qualifying claim event the decisive period is reduced by 24 months; for each claim-free period it increases by 12 months. The maximum bonus-qualifying period is 84 months (60% discount at B7 level); maximum malus period is 60 months (60% surcharge at M5 level). Prior loss history from the last 10 years may be considered. Bonus may only be transferred for the same vehicle category with the same registered holder. | The insurer applies a bonus-malus system based on the total previous claims history of the person obliged to take out the contract, as verified in the Slovak Insurers' Bureau (SKP) registry. The SKP database covers insurance claim data and total insurance duration over the last 10 years. The resulting individual client rating (bonita) directly affects the premium amount. |
| Proof and next steps | ||||
Direct payment policy | Allianz pays repair costs directly to contracted workshops without requiring the insured to pay out of pocket; damage compensation for third parties is paid directly to the injured party; in PZP claims, no deduction for depreciation ('amortisation') is applied. | The insurer pays the injured party (third party) directly. The injured party may assert their claim directly against the insurer or its liquidation representative. No deductible (amortisation) is applied to the injured party's settlement for personal vehicles. | Compensation is paid directly to the injured party (third party). The injured party may claim directly from the insurer. The insured has the right to reimbursement if they paid the injured party directly, up to the amount the insurer would have been obligated to pay. | The insurer pays the claimant (injured third party) directly. The insured has the right to have the insurer settle on their behalf all proven claims for bodily injury, property damage, lost profit and legal costs. Compensation is paid in the domestic currency (EUR) unless an international agreement requires otherwise. |
Last verified | May 21, 2026 | May 21, 2026 | May 21, 2026 | May 21, 2026 |