Generali

territorial_scope

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.

green_card_rules

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.

driver_restrictions

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.

claim_notification_deadline

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.

bonus_malus_rules

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.

Green Card international validity

Coverage extends to EU member states and countries in the Green Card system with validity on listed territories

Basic Assistance Services (KLASIK)

Included assistance services for roadside support including fuel delivery, vehicle towing, replacement transport, tire change, accommodation arrangement, key retrieval, and legal advice

Optional Coverage - Vehicle Theft

Optional add-on coverage for vehicle theft, robbery, or unauthorized use. Not available for motorcycles, three-wheelers, ATVs, hand-operated motor vehicles, or trailers.

Optional Coverage - Windscreen Protection

Optional add-on for windscreen damage or replacement coverage with 10% deductible, or no deductible if repair is possible.

Supplementary Coverage - Natural Events and Rodent Damage

Optional coverage for vehicle damage from natural hazards (fire, lightning, flood, wind, hail, landslide, earthquake) and rodent damage. Valid on European territory and Turkey.

Supplementary Coverage - Tire and Wheel Damage from Poor Road Conditions

Coverage for tire and wheel damage from poor road conditions (potholes, unexpected road damage not properly marked) that are unforeseeable to the driver.

Supplementary Coverage - Animal Collision

Coverage for damage resulting from collision with wild animals.

Supplementary Coverage - Passenger Injury Protection

Coverage for injury or death of vehicle occupants (including driver) resulting from accident, including risk of death, permanent consequences, and necessary treatment.

Supplementary Coverage - Depreciation/Wear for Partial Damage

Coverage for depreciation (wear) of vehicle parts when partial damage occurs due to accident. Limit €2,000; no deductible.

Claim Notification Deadline

Insured must report claim without delay, at the latest within 15 days if occurred in Slovakia or 30 days if occurred outside Slovakia.

Mandatory Vehicle Inspection

Insurer has right to require and perform vehicle inspection before coverage starts or during policy term to assess condition.

Premium Payment Method

Premium is due on first day of insurance. For fixed-term policies, one-time payment required. For indefinite-term policies, annual payment or installments (semi-annual or quarterly) possible.

Vehicle Registration Requirement

Insurer covers only vehicles properly registered in Slovakia. Vehicle must undergo mandatory inspection before coverage commencement.

Loss History Consideration for Premium

Insurer applies mathematical methods to consider previous loss history over last 10 years to determine premium level (bonus or malus).

Policy Termination Windows

Policy can be terminated: within 2 months of conclusion (8-day notice), at end of 12-month period (6-week notice), or within 1 month of claim notification (1-month notice). Consumer cooling-off period of 14 days.

Statutory Minimum Coverage Limits

Law establishes minimum coverage limits that must be specified in all policies. Current minimum limits: €6,450,000 for bodily injury and €1,300,000 for property damage.