KOMUNÁLNA poisťovňa
Komunálna poisťovňa is a motor third-party liability insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
The insurer pays the claimant (injured third party) directly. The insured has the right to have the insurer settle on their behalf all proven claims for bodily injury, property damage, lost profit and legal costs. Compensation is paid in the domestic currency (EUR) unless an international agreement requires otherwise.
Geographic scope
SK
Slovenská republika a členské štáty systému Zelenej karty (medzinárodnej karty automobilového poistenia), ktoré sú vyznačené na medzinárodnej karte automobilového poistenia vydanej poisťovňou
Unique selling points
- Free accident injury benefit of EUR 3,320 per occupant (driver and all passengers) included automatically with every MTPL policy at no extra cost — a benefit competitors typically charge extra for.
- Free personal baggage coverage up to EUR 500 per year automatically included with every MTPL policy for vehicles up to 3.5 tonnes — covering damage, destruction or loss in accidents or natural disasters.
- 24/7 multi-channel roadside and travel assistance (technical, pre-travel, administrative-legal and medical) included free of charge in every policy, valid in Slovakia and across all Green Card member states abroad.
- Choice of two coverage tiers: GARANT PLUS (EUR 1.3M property) and EUROGARANT PLUS (EUR 2.3M property), both with EUR 6.45M bodily injury limit — the EUROGARANT PLUS property limit is 77% above the statutory minimum, providing substantially higher protection.
- Online policy issuance in under 4 minutes using only the vehicle registration plate number — the system automatically retrieves all vehicle data, with instant policy activation upon premium payment.
Coverage limits
Bodily injury and death liability
Covered
Coverage of EUR 6,450,000 per claim event for bodily injury, other harm and costs related to death, regardless of the number of injured or deceased persons. Applies to both GARANT PLUS and EUROGARANT PLUS variants.
Property damage, lost profit and legal costs liability
Covered
GARANT PLUS: EUR 1,300,000 per claim event; EUROGARANT PLUS: EUR 2,300,000 per claim event. Covers property damage (destruction, damage, theft or loss of items), lost profit and legally recoverable legal defence costs, regardless of the number of damaged parties.
Legal defence costs
Covered
Costs of legal representation for the claimant when pursuing bodily injury or property damage claims are covered only if the insurer failed to fulfil its statutory obligations under the Motor Third Party Liability Act, or if the insurer unjustifiably refused or reduced the insurance benefit. In such cases the insurer is liable only for reasonable costs not exceeding the attorney fee scale set by applicable law.
International Motor Insurance Card (Green Card)
Covered
The insurer issues the International Motor Insurance Card (formerly green, now issued in black-and-white format) to the policyholder after premium payment at no additional charge. The card evidences insurance validity in Slovakia and in all Green Card system member states listed on the card. Previously issued green cards remain valid until their stated expiry date.
Roadside and travel assistance services
Covered
Free basic assistance services are automatically included with every MTPL policy: technical roadside assistance, pre-travel assistance, administrative-legal assistance, and medical assistance, valid in Slovakia and abroad. Services are provided 24/7 by GLOBAL ASSISTANCE SLOVAKIA s.r.o. (hotline 18118 in Slovakia, +421 2 6353 2236 from abroad). An optional extended assistance package is available at extra cost.
Driver accident injury coverage (public promise benefit)
Covered
Free included benefit based on a public promise: covers accidental death and permanent injury of the driver resulting from a road traffic accident in which the insured vehicle is at fault, up to EUR 3,320 per driver. This benefit is provided under a separate public promise document (Verejný prísľub úraz PZP) and is not part of the core MTPL coverage under VPP PZP-3.
Passenger accident injury coverage (public promise benefit)
Covered
Free included benefit based on a public promise: covers accidental death and permanent injury of each passenger in the insured vehicle resulting from a road traffic accident in which the insured vehicle is at fault, up to EUR 3,320 per person. Applies to all occupants (excluding the driver covered separately). Provided under the public promise document Verejný prísľub úraz PZP.
Key conditions
territorial_scope
The insurance covers damage (including other harm) that occurred on the territory of the Slovak Republic or in any member state of the International Motor Insurance Card (Green Card) system with which the Slovak Insurers' Bureau has concluded a mutual claims settlement agreement, and which is listed on the International Motor Insurance Card issued by the insurer for the insured vehicle.
green_card_rules
The insurer issues the International Motor Insurance Card (Green Card) to the policyholder without delay after the contract is concluded and after premium payment. The card is now issued in black-and-white format; previously issued green cards remain valid until their stated expiry. In the event of loss the insurer issues a replacement upon written request, subject to a fee. The policyholder must return the card to the insurer upon termination of the insurance.
driver_restrictions
The insurance covers any person driving the insured vehicle with the operator's knowledge and consent. The insurer has a right of recourse against the insured if the vehicle was driven without the operator's knowledge or consent, without a valid driving licence, under the influence of alcohol or narcotic substances, or if the insured intentionally caused the damage.
claim_notification_deadline
The insured must notify the insurer of a claim event without undue delay: within 15 days of its occurrence if it happened on the territory of the Slovak Republic, or within 30 days if it occurred abroad. In the event that police notification is not required, the insured must complete and sign a joint accident report form with the other parties.
bonus_malus_rules
The insurer applies a bonus-malus system based on the total previous claims history of the person obliged to take out the contract, as verified in the Slovak Insurers' Bureau (SKP) registry. The SKP database covers insurance claim data and total insurance duration over the last 10 years. The resulting individual client rating (bonita) directly affects the premium amount.
Documents
Všeobecné poistné podmienky pre poistenie zodpovednosti za škodu spôsobenú prevádzkou motorového vozidla (VPP PZP-3) – platné od 01.02.2025
terms_and_conditions
Poistné podmienky – prehľad všetkých dokumentov k PZP (VPP PZP-3, OPP P PZP-2, ZD VPU-7, verejné prísľuby)
other
Osobitné zmluvné dojednania pre rozšírené asistenčné služby PZP (OZD RAS PZP) – platné od 01.02.2025
other
Policy specifics
Accident injury coverage for driver and passengers
Free included benefit providing accident injury coverage up to EUR 3,320 per person in the vehicle when at-fault in an accident
Baggage coverage
Free included benefit covering personal baggage up to EUR 500 in case of accident or natural disaster
Optional windscreen coverage
Optional add-on covering damage or destruction of vehicle windscreen without requiring fault determination
Optional animal collision coverage
Optional add-on covering accidental collision with wild animals
Optional theft and robbery coverage
Optional add-on covering vehicle theft and robbery
Coverage limits for health damage
Policy provides two coverage variant options: EUR 6,450,000 for health damage and death for all injured persons
Coverage limits for property damage - Variant 1
First variant: EUR 1,300,000 for property damage and lost profit for all damaged parties
Coverage limits for property damage - Variant 2
Second variant: EUR 2,300,000 for property damage and lost profit for all damaged parties
Policy start and termination conditions
Insurance begins on date specified in contract; terminates by expiration, written cancellation, vehicle deregistration, or non-payment after 30 days
Included assistance services
Automatic free assistance services covering technical, pre-travel, administrative-legal, and medical assistance available in Slovakia and abroad
Bonus-malus premium adjustment system
Insurer applies bonus (discount) for claim-free periods and malus (surcharge) based on total claim history from SKP database over 10 years
International Motor Insurance Card (Green Card)
Required document proving insurance valid in Slovakia and all Green Card system member states listed on the card; now issued in white-black format (historically green)