Union Motor third-party liability (Unimotor Pzp)

Up to 55% no-claims discount for accident-free drivers.

Fully online policy conclusion with no signature required and documents delivered instantly by email.

Choice of quarterly or semi-annual instalments at no extra cost compared to annual payment.

Basic 24/7 roadside assistance included free with every MTPL policy.

Driver restrictions

Union may seek reimbursement of the paid claim from the policyholder or insured if the driver caused the accident intentionally, was under the influence of alcohol or drugs, drove without a valid licence or while banned from driving, or drove a vehicle known to be technically unfit.

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

The bonus/malus is set according to the number of claim-free months minus 18 months per claim, ranging from -50% (60+ claim-free months) to +40% (37+ months of malus); the claims record from a prior insurer is credited if the previous policy ended for reasons other than non-payment and less than 12 months have passed since it ended.

Territorial scope

Coverage applies to insured events occurring in EU/EEA member states and other countries listed on the Green Card.