Generali Poisťovňa, branch of an insurance company from another member state
Generali
Generali is a motor third-party liability insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
Generali pays compensation directly to the injured third party (poškodený), who may also claim payment directly from the insurer and must prove the claim and its extent.
Geographic scope
European Union member states and other countries participating in the Green Card (International Motor Insurance Card) system, excluding sanctioned states
The base MTPL liability cover applies in the territory of the states of the Green Card system that are not on the list of sanctioned countries. The Balík L/XL animal-collision and road-condition covers apply only in Slovakia, while the accident and tyre covers extend to the geographic territory of Europe and the whole territory of Turkey.
Unique selling points
- Balík XL raises MTPL liability limits to €10,000,000 for both bodily injury and property damage, well above the statutory minimum of €5,240,000/€1,050,000.
- Balík XL includes upgraded PREMIUM 24/7 assistance with a €2,000 per-claim limit, up to 5 days of a replacement vehicle and 3 nights of replacement accommodation.
- Optional animal-collision cover reimburses vehicle damage from wildlife strikes up to €4,000.
- Optional tyre insurance covers punctures, accident damage and vandalism to tyres up to €150 per tyre.
- Accident insurance for the driver and passengers (Balík L/XL) pays up to €6,000 for death or permanent consequences from an accident during vehicle operation.
Coverage limits
Bodily Injury Liability (incl. death and social/health cost reimbursement)
€5,240,000 – €10,000,000
Statutory minimum cover of €5,240,000 per claim regardless of the number of injured/deceased persons applies in Balík M. Balík L raises the limit to €6,000,000 and Balík XL raises it to €10,000,000.
Property Damage Liability (incl. lost profit and legal representation costs)
€1,050,000 – €10,000,000
Statutory minimum cover of €1,050,000 per claim for property damage, lost profit and legal representation costs applies in Balík M. Balík L raises the limit to €6,000,000 and Balík XL raises it to €10,000,000.
Legal Defence Costs (Insured's Own Legal Representation)
€700
Generali reimburses the insured's own legal defence costs (attorney's fee, court costs, legal representation in criminal/administrative proceedings arising from the accident) up to €700 per claim, provided the insured meets the notification and cooperation duties.
Green Card (International Motor Insurance Card)
Covered
Issued automatically and free of charge after the policy is concluded as proof of valid MTPL cover; must be carried in the vehicle and is valid in EU member states and Green Card system countries.
Roadside Assistance (KLASIK / PREMIUM)
€2,000
Basic KLASIK roadside assistance (available 24/7, including towing, vehicle storage and a replacement vehicle) is included in all tiers (Balík M, L, XL). Balík XL upgrades to PREMIUM assistance with a limit of €2,000 per claim, including towing, up to 10 days of vehicle storage, up to 5 days of a replacement vehicle and up to 3 nights of replacement accommodation.
Driver Accident Insurance (Death & Permanent Consequences)
€6,000
Only in Balík L, Balík XL
Available in Balík L and XL as part of 'Poistenie úrazu dopravovaných osôb vrátane vodiča': pays €6,000 for death caused by an accident during vehicle operation, up to €6,000 for permanent consequences (per assessment table), and up to €1,000 for necessary treatment costs.
Passenger Accident Insurance (Death & Permanent Consequences)
€6,000
Only in Balík L, Balík XL
Available in Balík L and XL as part of 'Poistenie úrazu dopravovaných osôb vrátane vodiča': pays €6,000 for death caused by an accident during vehicle operation, up to €6,000 for permanent consequences (per assessment table), and up to €1,000 for necessary treatment costs. Excludes persons transported in a part of the vehicle not designed for passengers and paid passenger transport (e.g. taxi).
Key conditions
Territorial scope
MTPL cover applies in the states of the Green Card system (EU member states and other Green Card countries) that are not on Generali's list of sanctioned states; the animal-collision and road-condition supplementary covers are limited to Slovak territory, while the accident and tyre covers extend to Europe and Turkey.
Green card rules
The Green Card is issued without delay after the policy is concluded, must be carried in the vehicle at all times, and serves as proof of valid MTPL cover in EU and Green Card system states.
Driver restrictions
The base MTPL liability cover applies to any motor vehicle registered in Slovakia, regardless of vehicle category. The bundled assistance and supplementary covers (KLASIK/PREMIUM assistance, tyres, animal collision, road condition, accident insurance) are limited to vehicles with a total weight up to 3,500 kg and exclude motorcycles/mopeds, taxis, rental vehicles, vehicles with right of priority passage, and vehicles used for racing.
Claim notification deadline
The insured must report a claim without delay: within 15 days if it occurred in Slovakia, or within 30 days if it occurred abroad.
Bonus-malus rules
Where agreed in the policy, a bonus/malus system applies to all vehicle categories: a bonus of up to 60% applies after 84 or more claim-free months, while a malus of up to 60% applies after 49–60 months of a negative claims record; each rated claim shortens the qualifying period by 24 months and each claim-free period extends it by 12 months.
Where to buy
Policy specifics
Travel Accident Coverage for Passengers
Insurance covering injury or death of passengers during vehicle operation
SourceAnimal Collision Coverage
Coverage for physical contact with animals on public roads, with loss limit of €4,000
SourceGreen Card – International Motor Insurance Card
International proof of third-party liability insurance validity, now issued in black and white format
SourceRepair Network and Authorization
Insurer may condition payment or direct settlement on use of contracted service network
SourceTerritorial Scope – Geographic Validity
Coverage applies to EU member states and non-EU countries participating in Green Card system, excluding fully embargoed countries
SourceMinimum Statutory Coverage Limits
Legal minimum limits: €6.45 million for bodily injury and death; €1.3 million for property damage
SourceInsurer's Subrogation and Recovery Rights
Insurer may recover sums paid to injured parties in specific circumstances (intentional damage, driving without license, vehicle defect)
SourceClaim Settlement Procedure and Documentation
Insured must notify insurer of loss, provide necessary documentation, and cooperate in investigation; insurer settles directly with injured party or reimburses insured
SourceComplimentary Assistance Services
Standard PZP includes 24/7 assistance services: roadside repair (up to €100), towing to nearest service, vehicle recovery, storage (5 days), replacement vehicle (3 days)
Source