UNIQA Motor third-party liability (Pzp Auto A Pohoda)
Underwritten by UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu · Slovakia
motor third-party liability insurance from UNIQA for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2025-10-01Sources
Unique selling points
Fully customisable liability limits up to €10 million for both health and property damage, well above the statutory minimum.
24/7 UNIQA ASSISTANCE roadside assistance included free of charge with every MTPL policy.
Optional 'Own Small Damage' and 'Own Total Damage' riders reimburse repair of the policyholder's own vehicle even when at fault, without needing full CASCO.
Discounts of up to 57%, including 5% for online purchase, 5% for annual payment, and 5% for bundling MTPL with CASCO.
The 'Právnik do auta' legal-assistance rider, providing up to €20,000 of cover, may be included as a free gift with selected packages.
Coverage limits
Bodily injury / health damage liability limit
€7M – €10M
UNIQA offers selectable MTPL packages: MINI covers bodily injury/health damage up to €7 million, PLUS up to €7 million, and EXTRA up to €8 million. Customers can also configure an individual (custom) limit up to €10 million for health damage. If the policy does not specify otherwise, the statutory default limit under the T&Cs is €6,450,000 regardless of the number of injured or deceased persons.
Section: Vyberte si z balíkov PZP
Sami si určite rozsah krytia, doplnkové poistenia aj limity plnenia, ktoré môžete navýšiť až na nadštandardných 10/10 mil. €.
Property damage liability limit
€2M – €10M
Property damage liability varies by package: MINI covers up to €2 million, PLUS up to €6 million, and EXTRA up to €8 million, with a fully customisable limit available up to €10 million. If unspecified, the statutory default under the T&Cs is €1,300,000 regardless of the number of victims.
Section: Vyberte si z balíkov PZP
Limit PZP (majetok/zdravie) 2/7 mil. €
Legal representation cost cover
Conditional
Costs effectively incurred for legal representation when pursuing claims are covered within the base MTPL policy, but only if the insurer failed to fulfil its statutory duties (e.g. timely explanation) or wrongfully refused or reduced the payout; this cost forms part of the overall property/other-damage claim rather than a separate capped sum. A separate optional rider, 'Právnik do auta' (Legal assistance/Právna asistencia), providing broader legal protection with its own annual limit (up to €20,000, or €400 in the basic UNIQA asistencia programme), can be purchased for a fee.
Section: Článok 3 > Rozsah poistenia
účelne vynaložených nákladov spojených s právnym zastúpením pri uplatňovaní nárokov podľa písmen a), b) a d), ak poisťovateľ nesplnil povinnosti uvedené v § 11 ods. 6 písm. a) alebo písm. b) zákona o PZP alebo poisťovateľ neoprávnene odmietol poskytnúť poistné plnenie alebo neoprávnene krátil poskytnuté poistné plnenie
Green Card (international motor insurance certificate)
Covered
An international certificate confirming valid MTPL cover, issued by the insurer free of charge without undue delay after the policy is concluded, valid for use within the EU/EEA and any other country listed on the card. Since 1 July 2020 the card has been issued in black-and-white per EU agreement and can be printed on a standard printer.
Section: Zelená karta online (duplikát)
Od 1. júla 2020 sa postupne začali vydávať karty biele s čiernou potlačou podľa európskej dohody štátov. Zelenú kartu je možné vytlačiť na čiernobielej tlačiarni.
24/7 roadside assistance (UNIQA ASSISTANCE)
€100 – €300
Basic 24/7 roadside assistance (repair on the spot, towing or storage) is included free of charge with every MTPL policy for vehicles up to 3.5 t, with limits of up to €100 in Slovakia / €150 abroad (basic programme) or up to €200 / €300 (extended programme). An enhanced 'UNIQA asistencia PLUS' programme with higher limits (e.g. 7-day vehicle storage, extended hotel/replacement-car benefits) is available for an additional fee.
Section: Základná asistencia pre vozidlá do 3,5 tony
nehoda (havária, živel, pokus o krádež) alebo porucha hradí: oprava na mieste alebo odťah alebo úschova limity: SR do 100 EUR, zahraničie do 150 EUR
Driver accident insurance (add-on)
Optional
MTPL itself excludes the at-fault driver's own injuries, but an optional accident rider (Part D6 'Poistenie pre prípad úrazu' / legacy 'EUROOCHRANA') can be added covering the driver for permanent disability (lump-sum per the insurer's rating tables) and death, with the sum insured chosen at policy inception. It can be sold for the driver only or driver+passengers.
Section: Časť D – Doplnkové poistenia > D6. Poistenie pre prípad úrazu a poúrazovej asistencie
V prípade úrazu poistníka možno poistenie uzavrieť samostatne. V ostatných prípadoch úrazového poistenia len spolu s poistením zodpovednosti alebo spolu s niektorým z havarijných nebezpečí.
Passenger accident insurance (add-on)
Optional
As an extension of the optional accident rider (Part D6), cover can be selected for all occupants of the insured vehicle (not just the driver), paying lump sums for permanent disability and death within the chosen sum insured; a separate child-accident and child-seat benefit is also available.
Section: Časť D – Doplnkové poistenia > D6. Poistenie pre prípad úrazu a poúrazovej asistencie
Poistené osoby na sedadle poisteného vozidla špecifikovaného v poistnej zmluve, možno dojednať ako poistenie: a) vodiča, alebo b) všetkých osôb vo vozidle.
Key conditions
Driver restrictions
There is no explicit minimum-age or experience exclusion in the T&Cs, but the insurer retains recourse (regress) rights against the policyholder/insured for reimbursement of paid claims if the vehicle was driven without a valid driving licence, by a person not authorised by the vehicle operator, or under the influence of alcohol or other addictive substances.
Claim notification deadline
Policyholders must report a claim to the insurer within 15 days of its occurrence if it happened in Slovakia, or within 30 days if it happened outside Slovakia.
Bonus-malus rules
Premiums are adjusted via a bonus/malus system with 9 no-claims bonus classes (B00–B09, 50–100% of base premium depending on claim-free months) and 5 malus classes (M01–M05, 110–150% of base premium); each reported claim moves the vehicle down three classes, to a maximum of class M05.
Territorial scope
Cover applies throughout the territory of all EU/EEA member states, and also in the territory of any other state that the insurer has indicated on the Green Card.
Documents
General Terms and Conditions for MTPL (VPP PZP MV 2024) (opens in a new tab)
Terms & conditions · PDF
Terms and Conditions for Motor Vehicle Insurance – Auto & pohoda (incl. MTPL Part B) (opens in a new tab)
Terms & conditions · PDF
Contractual arrangements for UNIQA ASSISTANCE supplementary insurance (opens in a new tab)
Other document · PDF
MTPL product landing page (opens in a new tab)
Other document · PDF
Green Card information page (opens in a new tab)
Other document · PDF
Optional add-on insurance page (opens in a new tab)
Other document · PDF
Policy specifics
Own damage coverage (own vehicle)
Optional own small damage and own total damage coverage available for insured's vehicle when at fault
SourceSection: Vyberte si z balíkov PZP
Vlastná malá škoda : Unikátne krytie, ktoré vám preplatí opravu vášho vozidla, ak ním spôsobíte nehodu.
24/7 Assistance services
Included 24/7 technical assistance services provided through UNIQA ASSISTANCE partner
SourceClause čl. 1 ods. 1Page 1Section: Zmluvné dojednania pre doplnkové poistenie asistenčných služieb UNIQA ASSISTANCE > Článok 1 > Úvodné ustanovenia
V prípade asistenčnej udalosti na území Slovenskej republiky ako i v krajinách uvedených v Zelenej karte (ďalej aj „zahraničie“) poskytuje oprávneným osobám celoročne, a to 24 hodín denne, zmluvný partner poistiteľa (ďalej aj „poskytovateľ UNIQA ASSISTANCE“).
Customizable coverage limits
Policyholders can customize coverage limits for property and health damage up to 10 million euros
SourceSection: Vyberte si z balíkov PZP > Chcem individuálny balíček PZP
Sami si určite rozsah krytia, doplnkové poistenia aj limity plnenia, ktoré môžete navýšiť až na nadštandardných 10/10 mil. €.
Optional add-on coverages
Multiple optional add-on coverages available: windshield/glass protection, animal collision, theft, injury coverage
SourceSection: Pripoistenie auta online
pripoistenie stretu so zverou , poistenie auta proti živelným pohromám, poistenie vandalizmu, poistenie proti odcudzeniu vozidla.
Third-party liability coverage only
PZP is compulsory liability insurance covering damages caused by insured to third parties; does not cover insured's own vehicle
SourceClause Článok 2Page 2/11Section: Článok 2 > Predmet poistenia
Predmetom poistenia je zodpovednosť každého, kto zodpovedá za škodu spôsobenú prevádzkou motorového vozidla uvedeného v poistnej zmluve tretím osobám.
Vehicle registration requirement
PZP applies to motor vehicles that are registered in Slovakia (domestic vehicles) or temporarily imported vehicles (up to 30 days)
SourceClause čl. 1 bod 8Page 2/11Section: Článok 1 > Definície pojmov
Tuzemským motorovým vozidlom je motorové vozidlo, ktoré podlieha evidencii vozidiel v Slovenskej republike; ... alebo motorové vozidlo, ktoré bolo odoslané do Slovenskej republiky z iného členského štátu, ak je Slovenská republika miestom určenia, a to po dobu 30 dní odo dňa, keď kupujúci prevzal motorové vozidlo
Online claims notification system
Policyholders can report insurance claims online through UNIQA web portal without visiting office
SourceInternational Green Card document
International motor insurance certificate (Green Card) issued upon policy conclusion for use in EU and other participating countries
SourceSection: Zelená karta online (duplikát)
Od 1. júla 2020 sa postupne začali vydávať karty biele s čiernou potlačou podľa európskej dohody štátov. Zelenú kartu je možné vytlačiť na čiernobielej tlačiarni.
Sources
- a.storyblok.comhttps://a.storyblok.com/f/124222/x/df9622254b/104055-usk_vpppmv32-poistenie-auto-pohoda-1025_3ak.pdf#page=31(opens in a new tab)
- a.storyblok.comhttps://a.storyblok.com/f/124222/x/df9622254b/104055-usk_vpppmv32-poistenie-auto-pohoda-1025_3ak.pdf#page=32(opens in a new tab)
- essoxfin.skhttps://www.essoxfin.sk/doc/Uniqa_PZP_VPP_actual.pdf#page=2(opens in a new tab)
- essoxfin.skhttps://www.essoxfin.sk/doc/Uniqa_PZP_VPP_actual.pdf#page=3(opens in a new tab)
- essoxfin.skhttps://www.essoxfin.sk/doc/Uniqa_PZP_Zmluvne_dojednania_actual.pdf#page=1(opens in a new tab)
- essoxfin.skhttps://www.essoxfin.sk/doc/Uniqa_PZP_Zmluvne_dojednania_actual.pdf#page=2(opens in a new tab)
UNIQA Motor third-party liability