Pillow Motor third-party liability (Povinne Zmluvne Poistenie)
Underwritten by Pillow pojišťovna, a.s. · Slovakia
motor third-party liability insurance from Pillow for the Slovakia market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026Sources
Unique selling points
Pay-as-you-drive pricing: clients get refunded for kilometers not driven if actual mileage is lower than estimated.
No deductible applies to MTPL claims, unlike many optional coverages under the same policy.
Glass coverage add-on comes with an unlimited payout limit.
Roadside assistance is offered with a variant that has no financial cap, unlike many competitors' capped assistance services.
Terms and conditions are condensed to around 10 pages instead of the industry-typical 50+.
Coverage limits
Bodily Injury Liability
€6.5M – €10M
Three selectable liability tiers for bodily injury: 6.5 million EUR (basic tier, paired with 1.3M property tier), 8 million EUR (mid tier, paired with 5M property tier), and 10 million EUR (top tier, uniform limit for all damages).
Property Damage Liability
€1.3M – €10M
Three selectable liability tiers for property damage: 1.3 million EUR (basic tier, paired with 6.5M bodily injury tier), 5 million EUR (mid tier, paired with 8M bodily injury tier), and 10 million EUR (top tier, uniform limit for all damages).
Legal Defence
No limit stated
No official source describes a dedicated legal defence coverage for this product.
Green Card
Covered
The green card (international motor insurance certificate) is issued free of charge and sent immediately by email together with the contract proposal; it is valid throughout the insurance period as long as premiums are paid on time.
Roadside Assistance
Covered
Assistance services become mandatory once MTPL is selected. Two of the offered variants are a '50 km in Slovakia' towing limit and an 'Unlimited in Slovakia and the EU' variant with no distance limit.
Driver Accident Insurance
Optional
An optional add-on ('cushion') for driver accident can be arranged alongside MTPL, covering situations such as death, disability or hospitalization of the driver.
Key conditions
Driver restrictions
No explicit minimum driver age or experience restriction is stated by the insurer; premium is instead calculated based on claims history, vehicle type and usage.
Claim notification deadline
No specific claim notification deadline is stated in the available official sources.
Bonus-malus rules
The premium for MTPL depends on the client's claims-free history (bonus-malus), the insured vehicle, and for most vehicles also on the estimated annual mileage.
Territorial scope
Coverage is valid across Europe and Turkey, excluding Azerbaijan, Belarus, Georgia, Kazakhstan, Kosovo, Moldova and Russia.
Documents
Policy specifics
MTPL Liability Coverage
Third-party liability insurance covering damage to third parties (persons and property) caused by vehicle operation
SourceSource no longer reachableNo Deductible for MTPL
MTPL does not apply deductible/co-insurance (spoluúčasť) on claims
SourceSource no longer reachableDistance-Based Premium Pricing
Premium for MTPL depends on estimated annual mileage; customers pay only for kilometers driven
SourceSource no longer reachableStatutory Exclusions per Act 381/2001
All uninsured situations for MTPL are specified in Slovak law on compulsory MTPL insurance (Act No. 381/2001)
SourceSource no longer reachableEuropean Coverage Territory
Insurance coverage valid in Europe and Turkey with specific exclusions
SourceSource no longer reachableSources
- mypillow.skhttps://www.mypillow.sk/caste-otazky/povinne-zmluvne-poistenie/(opens in a new tab)Source no longer reachable
- mypillow.skhttps://www.mypillow.sk/caste-otazky/zelena-karta/(opens in a new tab)Source no longer reachable
- mypillow.skhttps://www.mypillow.sk/kalkulacka/(opens in a new tab)Source no longer reachable
- mypillow.skhttps://www.mypillow.sk/pillow-pzp-2025-recenzie-a-skusenosti/(opens in a new tab)Source no longer reachable
Pillow Motor third-party liability