ČSOB Motor third-party liability (Povinne Zmluvne Poistenie)
Underwritten by ČSOB Poisťovňa, a. s. · Slovakia
motor third-party liability insurance from ČSOB for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2018-10-22Sources
Unique selling points
Complimentary NONSTOP roadside assistance is bundled with the base MTPL policy, including on-site repair, towing, storage and lock/key help.
Customers can opt into a Nadštandard/Premium liability limit of up to 7,000,000 EUR for both bodily injury and property damage, well above the base tier.
An enhanced 'Premium' assistance package with higher limits and expanded services is available for a minimum of just 11 EUR per year.
Assistance service limits are automatically increased when the MTPL policy is combined with ČSOB Casco cover.
The policy can be arranged fully online, with the premium payable by card and policy documents delivered by e-mail.
Coverage limits
Bodily injury liability
€6.5M – €7M
Page 1Section: Čo je predmetom poistenia?
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).
Property damage liability limit (incl. lost profit)
€2M – €7M
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.
Section: Článok 10 > Plnenie poisťovateľa
2 000 000 Eur za škodu podľa článku 3, bod 2., písm. b), c) a d) týchto VPP-PZP bez ohľadu na počet poškodených.
Legal defence costs
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.
Section: Článok 3 > Rozsah poistenia, územná platnosť
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,
Green Card / international cover
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.
Section: Kde sa na mňa vzťahuje krytie?
PZP – platí na území štátov zelenej karty s výnimkou štátov: Izrael, Maroko, Tunisko, Irán, Rusko, Bielorusko a na území všetkých členských štátov EU.
24/7 roadside assistance
Covered
Complimentary NONSTOP assistance is automatically included for M1/N1 vehicles up to 3.5 t and category L vehicles (motorcycles, quads): on-site repair (up to 150 EUR abroad), towing to home or nearest garage (unlimited domestically per the brochure, up to 150 EUR abroad), vehicle storage (up to 10 days), lock/key assistance, tyre-puncture help, and continuation of the trip after theft. An optional 'Premium' assistance upgrade is available for a minimum annual fee of 11 EUR, providing expanded services and higher limits; limits are further increased if combined with ČSOB Casco insurance.
Section: Povinné zmluvné poistenie > Atraktívne NONSTOP asistenčné služby k PZP
oprava vozidla na mieste, bezlimitné odtiahnutie vozidla na miesto bydliska alebo do najbližšieho servisu v prípade jeho havárie, úschova vozidla v prípade jeho poruchy a havárie, pri strate kľúčov otvorenie a výmena zámku, pomoc pri defekte pneumatiky, pokračovanie v ceste v prípade krádeže vozidla.
Driver accident cover
Excluded
MTPL liability insurance does not cover injury to the driver of the vehicle that caused the damage. VPP-PZP Art. 4.1(a) excludes liability for the driver's own injury, and the IPID lists this exclusion explicitly.
Section: Článok 4 > Vyňatie z poistenia
Poisťovateľ nenahradí za poisteného škodu, ak ide o zodpovednosť a) ktorú utrpel vodič motorového vozidla, ktorého prevádzkou bola škoda spôsobená,
Key conditions
Driver restrictions
No specific driver age or experience restriction is stated for base MTPL cover in the reviewed sources. However, the insurer retains a right of recourse against the policyholder/insured if the vehicle was driven without a valid driving licence, by a person banned from driving, or by someone knowingly entrusted despite not meeting legal driving requirements (VPP-PZP Art. 11).
Claim notification deadline
The insured must notify the insurer in writing of a claim event within 15 days if it occurred in Slovakia, or within 30 days if it occurred abroad.
Bonus-malus rules
The policyholder is assigned a premium discount (bonus) or surcharge (malus) depending on claims history; the insurer checks the number of claims and total MTPL insurance duration across all insurers over the past 10 years via the register kept by the Slovak Insurance Bureau. The bonus increases with more claim-free months of insurance, while the malus increases with claims incurred.
Territorial scope
Cover applies in Slovakia, all EU member states, and other Green Card countries. The current IPID (2024/2025 edition) explicitly excludes Israel, Morocco, Tunisia, Iran, Russia and Belarus from the Green Card territory. Note: an older (2020) marketing brochure states validity across the whole of Europe and the Russian Federation, which conflicts with the current IPID exclusion list; the IPID is treated as authoritative as it is the more recent, product-specific document.
Documents
Policy specifics
Standard vs. Enhanced Coverage Limits
CSOB offers two tiers of MTPL coverage: Standard (6,450,000 EUR for bodily injury / 2,000,000 EUR for property damage) and Enhanced (7,000,000 EUR for bodily injury / 7,000,000 EUR for property damage)
SourceSection: Naša ponuka online balíkov
Základný 6 450 000 EUR Optimálny 6 450 000 EUR Prémiový 7 000 000 EUR
Optional Supplementary Coverage (Pripoistenia)
Optional add-on coverages available include: windscreen damage (čelného skla), collision with animal (stretu so zverou), natural disasters (živelné udalosti), and vehicle theft (krádež motorového vozidla)
SourcePage 2Section: Pripoistenia k PZP zabezpečia vaše auto
PRIPOISTENIE SKIEL ... PRIPOISTENIE ŽIVELNEJ UDALOSTI ... PRIPOISTENIE PRIAMEHO STRETU SO ZVEROU ... PRIPOISTENIE KRÁDEŽE VOZIDLA
Complimentary Assistance Services
Complimentary 24/7 roadside assistance services are automatically included with standard MTPL coverage. Premium assistance services with higher limits are available for optional upgrade
SourceSection: Asistenčná služba k poisteniu
Asistenčná služba je dostupná pre všetky vozidlá do 3,5 tony a môžete ju využiť v prípade havárie, poruchy alebo odcudzenia motorového vozidla. Prémiové asistenčné služby poskytujú rozšírené služby a vyššie limity krytia. Sú dostupné v balíkoch Optimálny a Prémiový.
Territorial Scope - Primary MTPL Coverage
Primary MTPL coverage applies to all insured events occurring in Slovakia, EU member states, or any country with which the Slovak Insurance Bureau (SKP) has a mutual claims settlement agreement (Green Card countries)
SourceSection: Povinné zmluvné poistenie
Zákonné poistenie je platné na území Slovenska a v krajinách podľa Zelenej karty (aktuálne v bielom vyhotovení) ČSOB Poisťovne.
Territorial Scope - Supplementary Coverage
Supplementary coverages (windscreen, animal collision, natural disasters, theft) are territorially limited to Slovak Republic only, with the exception of windscreen coverage which follows the Green Card territorial validity
SourceSection: Často kladené otázky
V prípade pripoistenia skiel vozidla je platnosť uvedená rovnako na zelenej karte. Pripoistenie stretu vozidla so zverou, živelnej udalosti a krádeže vozidla má územnú platnosť len v rámci Slovenskej republiky.
Vehicle Deregistration Automatic Notification
As of 1 August 2024, policyholders are no longer required to notify the insurer when a vehicle is transferred to another owner, deregistered, or temporarily withdrawn from road use. The Road Transportation Inspectorate automatically notifies the Slovak Insurance Bureau (SKP)
SourceSection: Často kladené otázky
Pri prepise, predaji, vyradení alebo dočasnom vyradení vozidla z evidencie vozidiel od 1.8.2024 nie je potrebné túto skutočnosť hlásiť do poisťovne. PZ bude automaticky ukončená.
Sources
- csob.skhttps://www.csob.sk/documents/11005/592428/letak_pzp.pdf#page=1(opens in a new tab)
- csob.skhttps://www.csob.sk/documents/11005/592428/letak_pzp.pdf#page=2(opens in a new tab)
- csob.skhttps://www.csob.sk/documents/11005/99131/ID_povinneZmluvnePoistenie.pdf#page=1(opens in a new tab)
- csob.skhttps://www.csob.sk/documents/11005/99131/ID_povinneZmluvnePoistenie.pdf#page=2(opens in a new tab)
- csob.skhttps://www.csob.sk/documents/11005/99131/VPP_PZP.pdf#page=2(opens in a new tab)
- csob.skhttps://www.csob.sk/documents/11005/99131/VPP_PZP.pdf#page=5(opens in a new tab)
- csob.skhttps://www.csob.sk/povinne-zmluvne-poistenie(opens in a new tab)
ČSOB Motor third-party liability