KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group
Komunálna poisťovňa
Komunálna poisťovňa is a motor third-party liability insurance for the Slovakia market with online purchase and limited assistance availability.
Direct payment
The insurer pays compensation directly to the injured party (poškodený); the injured party is entitled to assert and prove their claim directly against the insurer rather than against the policyholder.
Geographic scope
Nationwide (Slovakia)
Covers damage occurring in the Slovak Republic or in member states of the Green Card system with which the Slovak Bureau of Insurers has a claims-settlement agreement, as listed on the international motor insurance card issued by the insurer.
Unique selling points
- The EUROGARANT PLUS variant offers property-damage liability up to 2,300,000 EUR — well above the 1,300,000 EUR statutory minimum.
- Free automatic luggage cover up to 500 EUR per policy year is included with every PZP policy at no extra premium.
- Free automatic driver and passenger accident cover up to 3,320 EUR per person is included with every PZP policy.
- No deductible is applied when windscreen repair costs stay under 60 EUR.
- PZP can be purchased online in only a few minutes, with policy documents delivered straight away by email.
Coverage limits
Bodily injury / death liability
€6,450,000
Only in GARANT PLUS, EUROGARANT PLUS
Both the GARANT PLUS and EUROGARANT PLUS variants provide liability cover for personal injury, other harm and death costs up to 6,450,000 EUR per claim, regardless of the number of injured or deceased persons.
Property damage / lost profit liability
€1,300,000 – €2,300,000
Only in GARANT PLUS, EUROGARANT PLUS
The GARANT PLUS variant covers property damage, destruction, theft or loss of a thing and lost profit up to 1,300,000 EUR per claim (the statutory minimum); the EUROGARANT PLUS variant raises this limit to 2,300,000 EUR per claim, regardless of the number of damaged parties.
Legal representation costs
Conditional
Reasonable legal representation costs of the injured party are reimbursed only if the insurer failed to meet its statutory duties under §11(6) of the MTPL Act or wrongfully refused or reduced the indemnity. These costs are paid within the overall bodily-injury/property-damage limits (no separate sub-limit) and are capped at the statutory attorney tariff.
International motor insurance card (Green Card)
Covered
The insurer issues the International Motor Insurance Card free of charge after the policy is concluded, evidencing cover in Slovakia and the listed Green Card member states. New cards are issued in black-and-white format; previously issued green-coloured cards remain valid until their printed expiry date.
Extended roadside assistance
Covered
Only in ŠPECIÁL PLUS, OPTIMUM PLUS
Provided free of charge as a benefit for the entire duration of the PZP policy (vehicles up to 3.5 t only) via GLOBAL ASSISTANCE SLOVAKIA, in two selectable versions: ŠPECIÁL PLUS (e.g. domestic towing up to 130 EUR, repair on site up to 1h labour free, temporary storage up to 7 EUR/day, lodging up to 70 EUR, abroad repair labour up to 150 EUR, cash loan abroad up to 1,000 EUR) and OPTIMUM PLUS (domestic towing up to 260 EUR, lodging up to 135 EUR, abroad repair labour up to 300 EUR, cash loan abroad up to 2,000 EUR). Costs for vehicles over 3.5 t are excluded.
Driver accident cover
€3,320
Free automatic supplementary accident benefit for the driver of the insured vehicle in a road accident, up to 3,320 EUR per person, provided via a public pledge for policies with an insurance period running from 01.01.2026 to 31.12.2026.
Passenger accident cover
€3,320
Free automatic supplementary accident benefit for each member of the crew of the insured vehicle in a road accident, up to 3,320 EUR per person, provided via a public pledge for policies with an insurance period running from 01.01.2026 to 31.12.2026.
Key conditions
Territorial scope
Covers claims arising in the Slovak Republic and in Green Card member states with which the Slovak Bureau of Insurers has a mutual settlement agreement, as listed on the international motor insurance card.
Green card rules
The insurer issues the international motor insurance card free of charge after conclusion of the policy and reissues it whenever key contract data changes; lost cards are replaced on written request subject to the published fee schedule.
Driver restrictions
No specific driver-age restriction is stated for the basic MTPL liability cover itself; however, roadside assistance and rider benefits are excluded if the vehicle is driven without a valid driving licence or by a person not authorised to drive it.
Claim notification deadline
The policyholder must notify the insurer of a claim without undue delay, at the latest within 15 days of its occurrence if it happened in Slovakia, or within 30 days if it happened abroad.
Bonus-malus rules
The insurer must take into account the policyholder's full prior claims history and verify it via the register kept by the Slovak Bureau of Insurers (SKP) when setting the premium, applying the same approach to all persons regardless of which EU member state issued their claims-history certificate; the sources do not disclose a specific bonus-malus percentage scale.
Where to buy
Documents
General terms and conditions for MTPL (VPP PZP-3)
Terms & conditions
Special terms for MTPL riders (OPP P PZP-2)
Terms & conditions
Special contractual arrangements for extended roadside assistance (OZD RAS PZP-2)
Terms & conditions
Insurance product information document (IPID) for MTPL
IPID
Public pledge extending MTPL to cover luggage of driver and crew (2026)
Other document
Policy specifics
Luggage coverage
Free supplementary coverage for luggage and personal items in the vehicle up to €500
SourceDriver and passenger injury coverage
Free supplementary coverage for driver and vehicle occupant injuries in road accidents up to €3,320 per person
SourceTheft and robbery coverage
Optional supplementary coverage for vehicle theft or robbery including standard, mandatory and supplementary equipment
SourceVehicle weight limitation
Supplementary coverage options (riders) are available for personal and utility vehicles with total weight up to 3.5 tonnes inclusive
SourcePolicy termination conditions
Insurance terminates upon expiration of agreed duration, written notice by either party, vehicle destruction, transfer of vehicle ownership, vehicle deregistration, or non-payment of premium within one month of due date
SourceAssistance services territory
Comprehensive assistance service portfolio valid in Slovakia and abroad
SourceInternational motor insurance card
International motor insurance card (formerly Green Card) serves as proof of insurance in Slovakia and abroad, listing countries where coverage applies
SourceLiability coverage variants
The base MTPL product can be dojednané in two variants, GARANT PLUS and EUROGARANT PLUS, differing only in the property-damage liability limit (1,300,000 EUR vs. 2,300,000 EUR); the bodily-injury limit of 6,450,000 EUR is identical in both.
Source