Wüstenrot poisťovňa, a.s.
Wüstenrot
Wüstenrot is a motor third-party liability insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The insurer pays compensation directly to the injured third party (poškodený), who is entitled to claim directly against the insurer and must prove the claim.
Geographic scope
Slovakia, with territorial cover extending to all states participating in the Green Card system
Cover applies within the territory of the states listed on the Green Card issued with the policy
Unique selling points
- Top-tier packages offer liability limits of EUR 8 million for both bodily injury and property damage, well above the statutory minimum.
- Enhanced (nadštandardné) assistance in the Premium/Extra packages includes towing up to 500 km abroad when Casco is also held, well beyond typical market limits.
- The Extra package bundles up to 15 optional covers - including theft, glass, accident, legal protection, animal collision and natural disaster - into a single MTPL policy.
- A dedicated assistance centre is reachable 24 hours a day, 365 days a year for on-the-spot repairs, towing and accident-documentation support.
- Vehicle photo-documentation for casco-type add-ons can be completed remotely via a link sent straight to the customer's email after the policy is concluded.
Coverage limits
Bodily injury and death liability
€6,450,000 – €8,000,000
Covers claims for bodily injury, other harm and death caused to third parties by the operation of the insured vehicle. The limit is EUR 6.45 million in the Štandard and Komfort tiers, rising to EUR 8 million in the Premium and Extra tiers.
Property damage liability
€1,300,000 – €8,000,000
Covers damage, destruction, theft or loss of third-party property (including other vehicles) caused by the insured vehicle. The limit is EUR 1.3 million in the Štandard and Komfort tiers, rising to EUR 8 million in the Premium and Extra tiers.
Legal defence / legal representation costs
Covered
The insurer reimburses reasonably incurred legal representation costs when enforcing a justified claim if the insurer failed to investigate the loss on time or wrongly refused or reduced the payout. The Komfort, Premium and Extra packages additionally bundle a dedicated Legal Protection add-on (telephone legal advice, mediation and legal assistance in civil, criminal, administrative and contract-law disputes connected with the vehicle); this add-on is not part of the Štandard package.
Green Card
Covered
An International Motor Insurance Card (Green Card) confirming valid MTPL cover is issued automatically and free of charge without delay after the policy is concluded, and must be returned to the insurer when the policy ends.
Roadside assistance
€100 – €300
Basic assistance (Štandard, Komfort) covers on-site repair or towing up to EUR 100 in Slovakia/Czech Republic and EUR 150 abroad. Enhanced (nadštandardné) assistance in Premium and Extra raises these limits to EUR 200 domestically and EUR 300 abroad, and adds towing up to 500 km abroad when Casco cover is also held. Both levels include vehicle storage, continued travel or return transport, replacement vehicle, key lock-out help, wrong-fuel drainage, flat-tyre replacement and accident-documentation support, available 24/7/365 via the assistance centre.
Driver accident insurance
Conditional
Only in Komfort, Premium, Extra
Optional accident cover for permanent injury or death of the driver caused by an accident connected with operating the vehicle. It is bundled into the Komfort, Premium and Extra packages but is not part of the Štandard package. The insured sum, shared with all occupants of the vehicle, is stated in the individual policy proposal rather than fixed in the general terms.
Passenger accident insurance
Conditional
Only in Komfort, Premium, Extra
Optional accident cover for permanent injury or death of passengers transported in the insured vehicle at the time of the accident, sharing the same total insured sum as the driver cover. Bundled into the Komfort, Premium and Extra packages; not part of the Štandard package. The exact sum is stated in the individual policy proposal.
Key conditions
Territorial scope
MTPL cover applies in all states party to the Green Card system, as listed on the policyholder's Green Card.
Green card rules
The insurer issues the Green Card automatically and without delay after the policy is concluded; it must be returned to the insurer once the policy ends.
Driver restrictions
Cover applies to any authorised driver of the insured vehicle; however, the insurer has a statutory right of recourse against the policyholder or driver if the driver had no valid licence, drove under the influence of alcohol or drugs, used the vehicle without the owner's consent, or refused a sobriety test after an accident.
Claim notification deadline
A claim must be reported within 15 days of the event if it occurred in Slovakia, or within 30 days if it occurred abroad.
Bonus-malus rules
A no-claims discount (bonus) is granted based on the length of a claim-free history; a surcharge (malus) is applied following a claim paid out under the policy, and bonus entitlement is lost from the following policy period.
Documents
General Terms and Conditions – W dobrom PZP (04/2025)
Terms & conditions
Previous general terms and conditions – PZP MV (08/2024, superseded)
Terms & conditions
Current list of assistance services (04/2025)
Other document
Archived assistance/consumer information document (2022, could not be retrieved)
Other document
Policy specifics
Assistance services
Standard and non-standard roadside assistance services included with policy
SourceOptional add-on insurance
Five optional add-ons available for expanded coverage: accident injury insurance, animal collision, glass damage, natural disasters, and legal protection
SourceFamily members and household exclusion
Damages caused to spouse/partner and household members are excluded from coverage
SourceHit-and-run accident procedure
Police must be called and scene documented with photos when hit-and-run occurs
SourceNo vehicle inspection required
Vehicle inspection not required before policy conclusion except for certain add-ons
SourceCoverage tier options
Two main coverage tiers available: Standard tier and Premium tier with different limits
Source