UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu
UNIQA
UNIQA is a motor third-party liability insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
Under MTPL, the insurer pays the claim compensation directly to the injured third party (the victim), not to the policyholder. If the insured has already compensated the victim personally, the insured has the right to be reimbursed by the insurer up to the amount the insurer would otherwise have had to pay the victim.
Geographic scope
European Union / European Economic Area member states and other Green Card countries
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.
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 (up to €20,000 cover) is included free as a first-year sign-up gift.
Coverage limits
Bodily injury / health damage liability limit
€7,000,000 – €10,000,000
Only in MINI, PLUS, EXTRA, individuálny (voliteľný) limit
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.
Property damage liability limit
€2,000,000 – €10,000,000
Only in MINI, PLUS, EXTRA, individuálny (voliteľný) limit
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.
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.
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.
24/7 roadside assistance (UNIQA ASSISTANCE)
€100 – €300
Only in základná asistencia, rozšírená asistencia (PLUS)
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.
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.
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.
Key conditions
Territorial scope
The policy is valid in the territory of all EU/EEA member states, and additionally in the territory of any other state that the insurer has indicated on the Green Card.
Green card rules
The Green Card is an international motor insurance certificate issued by the insurer confirming valid MTPL cover; since 1 July 2020 it has been issued in black-and-white per EU agreement, can be printed on a standard printer, and is required for police checks and border crossings.
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.
Documents
General Terms and Conditions for MTPL (VPP PZP MV 2024)
Terms & conditions
Terms and Conditions for Motor Vehicle Insurance – Auto & pohoda (incl. MTPL Part B)
Terms & conditions
Contractual arrangements for UNIQA ASSISTANCE supplementary insurance
Other document
MTPL product landing page
Other document
Green Card information page
Other document
Optional add-on insurance page
Other document
Policy specifics
Own damage coverage (own vehicle)
Optional own small damage and own total damage coverage available for insured's vehicle when at fault
Source24/7 Assistance services
Included 24/7 technical assistance services provided through UNIQA ASSISTANCE partner
SourceCustomizable coverage limits
Policyholders can customize coverage limits for property and health damage up to 10 million euros
SourceOptional add-on coverages
Multiple optional add-on coverages available: windshield/glass protection, animal collision, theft, injury coverage
SourceThird-party liability coverage only
PZP is compulsory liability insurance covering damages caused by insured to third parties; does not cover insured's own vehicle
SourceVehicle registration requirement
PZP applies to motor vehicles that are registered in Slovakia (domestic vehicles) or temporarily imported vehicles (up to 30 days)
SourceOnline 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
Source