UNIQA
UNIQA is a motor third-party liability insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
The insurer pays the injured party directly. If the insured compensates the injured party directly, the insurer reimburses the insured up to the amount the insurer would have been obliged to pay. The injured party may claim compensation directly against the insurer.
Geographic scope
SK
Platí na území všetkých členských štátov EÚ/EHP; platí aj na území iných štátov, ktoré poisťovateľ označil v zelenej karte.
Unique selling points
- Unlimited towing to the insured's preferred repair shop anywhere in Slovakia and the Czech Republic at no extra cost in case of accident, with no distance or financial cap.
- Tyre insurance included in the base PZP – covers repair or replacement up to EUR 120 per claim, usable twice per policy year, at no additional premium.
- No depreciation (amortization) applied on MTPL claims: damaged parts are always settled at new part prices regardless of the vehicle's age.
- Flexible coverage limits from EUR 6.45 million up to EUR 10 million for bodily injury, selectable online within minutes via a digital calculator with an instant 5% online discount.
- UNIQA PZP and KASKO products regularly rank among top-rated products in the Slovak Zlatá minca (Golden Coin) annual financial product awards.
Coverage limits
Bodily Injury Liability
Covered
Covers claims for bodily injury (including other harm) and costs in case of death caused by operation of the insured vehicle to third parties, without limit on the number of injured or killed persons. The default limit per loss event is EUR 6,450,000; higher limits up to EUR 10,000,000 are available. Also covers reimbursed healthcare costs, sickness benefits, accident benefits, pension benefits, and retirement savings paid by statutory bodies if the insured is obliged to reimburse them.
Property Damage Liability
Covered
Covers claims for damage arising from destruction, damage, theft or loss of property (Art. 3(1)(b)), reasonable legal representation costs if the insurer failed its obligations or wrongfully refused/reduced payment (Art. 3(1)(c)), and loss of profit (Art. 3(1)(d)), without limit on the number of damaged parties. The default limit per loss event is EUR 1,300,000; higher limits up to EUR 10,000,000 available.
Legal Defence / Legal Representation Costs
Conditional
Costs of legal representation in connection with claims under Art. 3(1)(a), (b) and (d) are covered only if the insurer failed to meet its statutory obligations (§ 11(6)(a) or (b) of the PZP Act) or wrongfully refused or reduced the benefit. In addition, as an optional add-on (EUROOCHRANA legal protection insurance), broader legal protection coverage is available. The insurer is obliged to appoint a legal representative upon the insured's written request in court proceedings covered by the policy.
Green Card (International Motor Insurance Certificate)
Covered
After conclusion of the policy, the insurer is obliged to issue the Green Card (International Motor Insurance Certificate) to the policyholder without undue delay. The Green Card confirms coverage on the territory of all EU/EEA member states and any additional countries marked on it by the insurer. Duplicates can be requested.
Roadside Assistance (UNIQA Assistance)
Covered
Basic UNIQA Assistance roadside services are included free of charge with every PZP policy, available 24/7. Covered services include: tyre repair, fuel delivery, vehicle unlocking, and towing to the insured's preferred repair shop in SR and Czech Republic without a distance or financial limit in case of accident. An extended PLUS/MAX package is available as a paid add-on with higher limits and a replacement vehicle for up to 7 days.
Driver Accident Insurance (EUROOCHRANA)
Optional
Driver accident insurance (death or permanent disability from accident while operating the insured vehicle) is available as an optional add-on (EUROOCHRANA). It is not included in the base PZP. Damage to the driver of the at-fault vehicle is explicitly excluded from base MTPL coverage. When included in certain PZP packages, the limit is EUR 20,000 for permanent consequences and EUR 10,000 for death.
Passenger Accident Insurance
Optional
Accident insurance for passengers transported in the insured vehicle (death or permanent disability from accident) is available as an optional add-on. It is not included in the standard MTPL base cover. When available, the limit is EUR 20,000 for permanent consequences and EUR 10,000 for death per person.
Key conditions
territorial_scope
The insurance is valid on the territory of all EU/EEA member states. It is also valid in other countries marked by the insurer in the Green Card. If damage is caused by a domestic vehicle in another member state, the benefit is provided at least at the level required by that state's law.
green_card_rules
After conclusion of the policy, the insurer must issue the Green Card without undue delay. The Green Card serves as proof of valid MTPL insurance internationally. Upon expiry of insurance, the policyholder must return the Green Card, preliminary insurance certificate and assistance card to the insurer. When the policyholder loses the Green Card (white card), a replacement can be requested.
driver_restrictions
The insurance covers any person who is responsible for damage caused by operation of the vehicle specified in the policy. The driver must hold a valid driving licence. The insurer has a right of recourse against the insured if the insured intentionally caused damage, drove under the influence of alcohol or narcotics, drove without the required licence or during a driving ban, or knowingly entrusted the vehicle to an unqualified driver.
claim_notification_deadline
The policyholder/insured must notify the insurer of the loss event in writing: within 15 days if the loss occurred on the territory of the Slovak Republic, or within 30 days if it occurred outside the Slovak Republic. Claims should be reported as soon as possible, no later than the next working day according to UNIQA guidelines. Claims can be reported online at skody.uniqa.sk or by phone 24/7.
bonus_malus_rules
The premium for each policy period is determined by the vehicle's bonus/malus class based on the continuous claims-free period. A discount (bonus) is granted after each uninterrupted 12-month claims-free period, reducing the premium by one class. At maximum (9+ claim-free years, class B09) the premium is 50% of the base premium. Each reported claim moves the vehicle down three classes (malus), up to a maximum surcharge of 150% (class M05). Claims are not counted if the insured reimburses the paid benefit within one month of notification. Bonus/malus can be transferred from another insurer with a claims history certificate valid for up to 12 months.
Where to buy
Documents
Súhrnná informácia k poisteniu PZP online (VPP PZP MV 2019/1, M/077/21)
terms_and_conditions
Informačný dokument o poistnom produkte (IPID) – AUTO & VOĽNOSŤ PZP a KASKO (I/008/21, I/009/21)
ipid
Všeobecné poistné podmienky pre poistenie zodpovednosti za škodu spôsobenú prevádzkou motorového vozidla – 2024 (SK_M/077/24_VPP PZP MV 0724mik)
terms_and_conditions
Policy specifics
Assistance Services (UNIQA Assistance)
24/7 roadside assistance included in basic PZP coverage with option for extended PLUS package
Tire Insurance (Pneumatická poistenie)
Optional coverage for tire repair or replacement in case of puncture or damage from road hazards
Small Own Damage Insurance
Optional add-on covering minor damage to own vehicle when accident simultaneously triggers PZP claim
Total Own Damage Insurance
Optional add-on covering total loss of own vehicle caused by accident when PZP claim is triggered
Theft and Vandalism Insurance
Optional add-on covering theft and vandalism damage to own vehicle
Driver Injury Insurance (Úrazové poistenie)
Optional add-on covering driver death or permanent injury consequences from accident
Network Service Providers
Insurance covers authorized repair shops with discounts; insured can select preferred service station
No Amortization Policy
Claims are paid without vehicle depreciation deduction; replacement parts are covered at new prices
Geographic Coverage Scope
PZP covers all EU member states and countries marked on Green Card; other insurances cover Europe and Turkey
Bonus System
No-claims bonus available; first accident in contract duration does not affect bonus
Claim Notification Requirements
All claims must be reported as soon as possible, latest by next business day
Contract Duration
Insurance contract is concluded for indefinite duration with automatic renewal annually