KOOPERATIVA poisťovňa, a.s. Vienna Insurance Group
Kooperativa
Kooperativa is a motor third-party liability insurance for the Slovakia market with no online purchase and 24/7 assistance.
Direct payment
Premium can be paid quarterly, semi-annually or annually as agreed in the policy, via bank transfer, postal order, direct debit or card payment; if the vehicle is financed via leasing, premium may be paid monthly as part of the leasing instalments.
Geographic scope
Slovakia
Cover applies to damage occurring in the territory of the Slovak Republic or a member state of the Green Card System with which the Slovak Insurers' Bureau has concluded a mutual settlement agreement, as indicated on the Green Card issued for the insured vehicle.
Unique selling points
- The Europartner upgrade raises the property-damage liability limit to 2,300,000 EUR and extends roadside/technical assistance abroad, not just within Slovakia.
- MTPL comes bundled with four free public-promise extensions (elemental damage, baggage, animal collision, driver/passenger accident) that many insurers sell as separate add-ons.
- Policyholders who suffer property damage get free advisory service and a free vehicle-damage expert assessment (expertíza) from Kooperativa to support their claim.
- Claims are settled without deductible and without depreciation on replacement parts for the elemental-damage extension, so the insured pays no extra out of pocket.
- Europartner provides a cash advance abroad of up to 1,000 EUR equivalent for emergency vehicle repairs, double the 500 EUR available under Partner.
Coverage limits
Bodily injury / death liability
€6,450,000
Both the Partner and Europartner variants provide an identical limit of 6,450,000 EUR for bodily injury or death, including other harm, funeral costs and recourse claims of social/health insurers, regardless of the number of injured/deceased persons (current 2024 IPID edition). An earlier 2019/2022 edition of the documentation stated a lower limit of 5,240,000 EUR for this risk.
Property damage liability
€1,300,000 – €2,300,000
Partner variant: 1,300,000 EUR for property damage and lost profit; Europartner variant: 2,300,000 EUR for property damage and lost profit, each regardless of number of damaged parties (current 2024 IPID edition). Earlier 2019/2022 documentation stated 1,050,000 EUR (Partner) and 2,050,000 EUR (Europartner). If claims of multiple injured parties exceed the limit, indemnity is reduced proportionally.
Legal representation costs
Covered
Usefully incurred costs of legal representation when asserting claims are not a separate limit; they are included within, and paid from, the property damage liability limit (1,300,000 / 2,300,000 EUR).
Green Card (International Motor Insurance Card)
Covered
A Green Card is issued free of charge by Kooperativa for every insured vehicle and confirms valid MTPL cover in the states indicated on it, i.e. member states of the Green Card System with which the Slovak Insurers' Bureau has a settlement agreement; it may be issued in paper or electronic form.
Roadside / technical assistance
Covered
Included in both variants for immobilised vehicles after an accident or breakdown: free callout of a repairer on site; towing to the nearest repair facility (up to 100 km for vehicles ≤3.5t, 150 km for >3.5t); temporary vehicle storage (max 6.64 EUR/day, 7 days Partner / 10 days Europartner); on-site puncture repair (max 50 EUR), lockout/lock replacement (max 50 EUR), wrong-fuel draining (max 50 EUR), and emergency fuel delivery (max 50 EUR). If repair takes over 8 hours: accommodation (66.39 EUR, 1 night Partner / 2 nights abroad under Europartner), 2nd-class train travel, taxi (max 99.58 EUR, Partner/domestic) or a replacement vehicle (24h Partner domestic, 48h Europartner abroad). Partner covers Slovakia only; Europartner extends the same services abroad and adds a cash advance for repairs abroad (500 EUR Partner-domestic equivalent vs up to 1,000 EUR abroad under Europartner).
Driver accident cover (public promise)
Covered
No limit stated
The MTPL policy bundles a 'Verejný prísľub ÚRAZ' (public promise) covering death by accident and permanent injury of the at-fault driver, available in both variants; the exact monetary limit is not stated in the IPID or ZD documents provided.
Passenger accident cover (public promise)
Covered
No limit stated
The same 'Verejný prísľub ÚRAZ' also covers members of the crew (passengers) of the at-fault vehicle for accidental death and permanent injury; the exact monetary limit is not stated in the IPID or ZD documents provided.
Key conditions
Territorial scope
Cover applies within the Slovak Republic and all Green Card System member states shown on the Green Card issued for the vehicle; Europartner's assistance services extend abroad, while Partner's technical assistance is limited to Slovakia.
Green card rules
The Green Card is issued free of charge for each insured vehicle and is required to prove valid MTPL cover when travelling to states within the Green Card System.
Driver restrictions
Assistance services are not provided to a person driving without a valid driving licence, if the vehicle carried an unauthorised number of passengers or exceeded its weight limit, was unroadworthy at the start of the journey, during war, strikes or civil unrest, in case of intentional crime or suicide, unauthorised technical interference with the vehicle, motorsport competitions/training, or under the influence of alcohol or drugs.
Claim notification deadline
The insured must notify Kooperativa of any insured event without undue delay, no later than 15 working days if the event occurred in Slovakia, or 30 days if it occurred abroad.
Bonus-malus rules
Premium is adjusted at each policy anniversary based on the claims-free period ('rozhodná doba'): every claim event ('rozhodná udalosť') shortens this period by 36 months. The scale ranges from bonus level B5 (60% claims-free period, 60% premium discount) down through B1, to base level S (100% premium), and up to malus level M6 (61+ months of adverse history, 160% of premium / 60% surcharge).
Policy specifics
Assistance Services - Partner variant
Partner variant includes basic assistance services (technical, pre-travel, administrative-legal, medical) available from Slovakia only
SourceAssistance Services - Europartner variant
Europartner variant includes expanded assistance services available in Slovakia and abroad
SourceElemental damage coverage
Coverage for damage or destruction of vehicle due to elemental events (wind, rain, fire, landslide, hail)
SourceBaggage coverage
Coverage for damage, destruction or loss of baggage of driver and passengers due to accident or elemental event
SourceAnimal collision coverage
Coverage for damage or destruction of vehicle due to collision with animals
SourceAccident injury coverage
Coverage for driver and passenger death or permanent injury due to traffic accident where driver caused damage
SourceNo depreciation on vehicle parts
Replacement parts for vehicle damage are paid at full price without depreciation
SourceNo deductible/co-payment
Insured person does not pay additional co-payment to the injured party beyond the insurance benefit
SourceInternational coverage territory
MTPL coverage valid in countries listed in the green card system (International Motor Insurance Card)
SourceBonus/Malus discount system
Insurance premium adjusted based on claims history; up to 60% bonus possible for accident-free driving
Source