ČSOB
ČSOB is a motor third-party liability insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
SK
Valid in Slovakia and in all Green Card member states; exceptions: Israel, Morocco, Tunisia, Iran, Russia, Belarus. Optional add-on coverages (animal collision, natural disaster, theft) valid in Slovakia only.
Starting from
€70
Unique selling points
- Coverage limits of EUR 6,070,000 (bodily injury) and EUR 2,000,000 (property damage) in the Standard package significantly exceed the statutory minimums, with an optional Nadštandard package raising both limits to EUR 7,000,000.
- Free 24/7 roadside assistance is automatically included in every MTPL policy for vehicles up to 3.5 t, covering on-site repair, towing, and fuel delivery both in Slovakia and across Green Card countries.
- Up to 7% premium discount for vehicles equipped with qualifying ADAS safety systems (automatic emergency braking, parking assistant, parking sensors, or camera), combinable with a 5% discount for existing ČSOB Financial Group customers.
- Claims settlement is made without applying depreciation (amortisation) to the damaged vehicle's parts, ensuring third parties receive full replacement-cost indemnity.
- Instant online issuance with same-day temporary Green Card available and contract documents delivered by email; the full annual Green Card follows by post within 30 days.
Coverage limits
Bodily injury liability – Standard limit
Covered
Covers bodily injury and death caused to third parties by the operation of the insured vehicle, up to EUR 6,070,000 per insured event regardless of the number of injured or deceased persons. A higher Nadštandard limit of EUR 7,000,000 is available for vehicles in categories L, M1, and N1 up to 3.5 t.
Property damage liability – Standard limit
Covered
Covers property damage, lost profit, and legal representation costs caused to third parties, up to EUR 2,000,000 per insured event regardless of the number of claimants. A higher Nadštandard limit of EUR 7,000,000 applies when selected.
Legal defence / legal representation costs
Covered
Purposefully incurred legal representation costs when asserting claims for bodily injury, property damage, or lost profit are covered within the property damage limit, provided the insurer failed its obligations or unjustifiably refused or reduced the indemnity.
Green Card (International Motor Insurance Certificate)
Covered
The insurer issues a Green Card (now in black-and-white format) upon conclusion of the contract. A temporary card is provided immediately on online purchase; the annual card is sent by post within 30 days. Coverage extends to all Green Card member states except Israel, Morocco, Tunisia, Iran, Russia, and Belarus.
Standard roadside assistance (24/7)
Covered
Basic roadside assistance included free of charge in the Standard MTPL package, available 24/7 for vehicles up to 3.5 t in Slovakia and abroad (Green Card territory). Covers on-site repair up to EUR 150 abroad, towing up to EUR 150 abroad, vehicle storage up to 10 days for accident. A Premium assistance add-on with extended limits is available for EUR 11/year.
Driver accident insurance
Excluded
Accident insurance for the at-fault driver is explicitly excluded from the basic MTPL under Art. 4 §1(a) VPP-PZP. It is not available as an add-on within the MTPL product; the driver's accident cover is offered as part of the separate CASCO (Auto Partner) product.
Passenger accident insurance
Excluded
Accident insurance for passengers in the at-fault vehicle is not included in the base MTPL product and is not offered as an add-on within the MTPL. Passenger accident coverage is available within the separate CASCO (Auto Partner) product.
Key conditions
territorial_scope
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.
green_card_rules
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.
driver_restrictions
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.
claim_notification_deadline
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.
bonus_malus_rules
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.
Policy specifics
Optional animal collision coverage
Optional add-on covering damage from collision with wild animals, valid only in Slovakia
Optional glass coverage
Optional add-on covering damage to vehicle glass (windscreen, side windows, rear window) without need to identify the responsible party
Optional natural disaster coverage
Optional add-on covering damage from natural disasters including fire, lightning strike, flood, hail, windstorm, tree fall, supersonic wave
Optional vehicle theft coverage
Optional add-on covering vehicle theft and damage resulting directly from theft attempt
Standard assistance services
Free 24/7 roadside assistance services automatically included in basic coverage with specified limits
Advanced driver assistance systems discount
Insurance premium discount available for vehicles equipped with ADAS (automatic emergency braking, parking assist, parking sensors, parking camera)
Bonus-malus system
Insurance rating system: bonus (discount) awarded for claim-free months; malus (surcharge) applied based on number of claims; assessed using 10-year claims history from central register
Standard liability coverage limits
Standard package: EUR 6,070,000 for bodily injury claims and EUR 2,000,000 for property damage claims