Extracted from source documents

Genertel Motor third-party liability (Pzp)

Underwritten by Generali Poisťovňa, pobočka poisťovne z iného členského štátu, používateľ ochrannej známky Genertel · Slovakia

motor third-party liability insurance from Genertel for the Slovakia market, with online purchase and 24/7 assistance.

Verified Aug 27, 2026 · Terms dated 2023-04-21Sources

Online purchase24/7 helpline

Unique selling points

Roadside assistance is included free of charge for the entire policy term, not sold as a paid add-on.

Assistance covers not just breakdowns and accidents but also animal damage to the engine bay, wrong/frozen fuel, lockouts and vandalism.

Three optional riders (mini-casco up to 20,000 EUR, theft cover up to 8,000 EUR, everyday liability up to 10,000 EUR) can be attached directly to the MTPL policy.

A 24/7 assistance hotline is available, including a toll-free number for calls within Slovakia.

Claims can be reported online through the insurer's website in addition to phone, email or post.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€5.2M

Covered

Legal defence costs limit

€700

The insurer covers attorney's fees for defence in criminal or misdemeanour proceedings, court costs, and legal representation costs in damages proceedings, up to a limit of 700 EUR, unless a different limit is agreed in the policy.

Clause Art. II.8Page 3

Section: Článok II. Rozsah poistenia zodpovednosti

Limit poistného plnenia pre poistenie zodpovednosti v rozsahu bodu 7 tohto článku VPP PZP predstavuje 700 EUR, ak nie je v poistnej zmluve dohodnuté inak.

Covered

Green Card issuance

Covered

After conclusion of the policy, the insurer issues the policyholder, without undue delay, a confirmation of insurance and the Green Card (International Motor Insurance Certificate) as proof of MTPL coverage.

Clause Art. X.1Page 8

Section: Článok X. Práva a povinnosti poisťovateľa

Poisťovateľ po uzavretí poistnej zmluvy vydá poistníkovi bez zbytočného odkladu potvrdenie o poistení zodpovednosti a zelenú kartu.

Covered

Roadside assistance (PZP KLASIK 20)

€60 – €600

Free-of-charge assistance for the whole policy term for vehicles up to 3,500 kg, covering accident, breakdown, fire/natural events, animal damage, theft, key/fuel issues, flat tyre and vandalism, both in Slovakia and abroad. Indicative sub-limits: 100 EUR on-site repair, towing to the nearest service, 5-day vehicle storage, lodging up to 2 nights at 75 EUR/person/night, 3-day category B replacement vehicle, 500 EUR crew transport, 150 EUR trip to collect a repaired vehicle, 600 EUR repatriation towing, 200 EUR scrapping costs, and 60-100 EUR for lockouts, fuel problems or tyre defects.

Page 2

Section: Prehľad rozsahu, podmienok a limitov plnenia asistenčnej služby PZP KLASIK 20 > OPRAVA/ODTIAHNUTIE/ÚSCHOVA/VYPROSTENIE

Oprava na mieste 100 € 100 € 100 € 100 €

Excluded

Driver's own injury

Excluded

The policy does not cover damage suffered by the driver of the vehicle whose operation caused the damage; MTPL only compensates third parties.

Clause Art. III.1.aPage 3

Section: Článok III. Výluky z poistenia zodpovednosti

ktorú utrpel vodič motorového vozidla, ktorého prevádzkou bola škoda spôsobená,

Covered

Passenger injury liability

Covered

Passengers are treated as injured third parties and their bodily-injury claims are covered within the 5,240,000 EUR liability limit; the household-member exclusion under Art. III applies only to property/lost-profit/legal-cost claims, not to bodily injury claims.

Key conditions

Driver restrictions

The insurer has recourse against the policyholder/insured for compensation paid if the driver caused damage intentionally, drove under the influence of alcohol or drugs, drove without a valid driving licence, or if the vehicle was knowingly entrusted to an unqualified driver.

Claim notification deadline

The insured must report a claim in writing within 15 days if it occurred in Slovakia, or within 30 days if it occurred abroad.

Bonus-malus rules

A bonus/malus system applies only if agreed in the policy and applies to all vehicle categories. Bonus levels B5-B1 carry coefficients 0.77-0.95, the base level A0 is 1.00, and malus levels (printed as M5, M2, M3) carry coefficients 1.30, 1.60 and 2.00 respectively. The maximum claims-free period counted for bonus is 84 months and the maximum period counted for malus is 60 months; each claims event typically reduces the assigned level by 3 steps for the following policy period.

Territorial scope

Coverage applies to damage arising on the territory of EU member states and other states participating in the Green Card system, as listed on the back of the Green Card.

Documents

General Terms and Conditions for MTPL (incl. miniHavarijné, theft and unexpected-expenses riders, and assistance terms) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) for Genertel PZP (opens in a new tab)

Product information sheet · PDF

Scope, conditions and limits of the PZP KLASIK 20 assistance service (opens in a new tab)

Table of benefits · PDF

Policy specifics

Territorial validity of coverage

Insurance covers claims arising from motor vehicle operation on the territory of EU member states and other countries participating in the Green Card system. Asian territories of former Soviet republics and Asian territories of Turkey are excluded.

SourceClause Art. 4Page 25

Section: Poistné podmienky pre produkt Poistenie pre prípad krádeže motorového vozidla > Článok 4 Územná platnosť poistenia Krádeže vozidla

Poistenie Krádeže vozidla sa vzťahuje na poistné udalosti, ku ktorým došlo na území Európy v geografickom zmysle, t.j. ázijské územie Turecka poistná ochrana nepokrýva.

Coverage limit for personal injury and death

Maximum compensation limit of 6.45 million EUR for claims arising from personal injury and costs related to death.

Source

Section: Čo je povinné zmluvné poistenie?

PZP je poistenie povinné zo zákona. Poškodenému uhradí škodu namiesto vodiča, ktorý ju spôsobil – do výšky 6,45 mil. eur pri škode na zdraví a nákladoch pri usmrtení alebo do výšky 1,3 mil. eur pri škodách vzniknutých poškodením, odcudzením, zničením alebo stratou veci a náhradu ušlého zisku.

Coverage limit for property damage

Maximum compensation limit of 1.3 million EUR for claims arising from property damage, theft, destruction or loss of property, and lost profit.

Source

Section: Čo je povinné zmluvné poistenie?

PZP je poistenie povinné zo zákona. Poškodenému uhradí škodu namiesto vodiča, ktorý ju spôsobil – do výšky 6,45 mil. eur pri škode na zdraví a nákladoch pri usmrtení alebo do výšky 1,3 mil. eur pri škodách vzniknutých poškodením, odcudzením, zničením alebo stratou veci a náhradu ušlého zisku.

Insurer settlement mechanism for injured third parties

The insurer pays compensation directly to the injured third party on behalf of the driver who caused the damage, up to the policy limits.

SourceClause § 4

Section: Zákony o PZP

Poisťovňa je namiesto vás povinná uhradiť vzniknuté škody, ak ste nehodu zapríčinili, pričom ale vy nárok na náhradu vlastných škôd (z PZP) nemáte.

Green Card (International Motor Insurance Certificate) issuance

Automatic issuance of the Green Card (now white-colored since July 1, 2020) as proof of MTPL coverage, required for international travel and vehicle inspections.

Source

Section: Doklady o poistení vozidla – Zelená karta

Po uzavretí zmluvy povinného zmluvného poistenia vám poisťovňa automaticky vydá doklad o poistení vozidla, tzv. Zelenú kartu . Od 1.7.2020 má však bielu farbu.

Sources