Wüstenrot Motor third-party liability (W Dobrom Pzp)
Underwritten by Wüstenrot poisťovňa, a.s. · Slovakia
motor third-party liability insurance from Wüstenrot for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2025-04-15Sources
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
€6.5M – €8M
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.
Section: B. Predmet poistenia > B2. Balíky poistenia
Limit 6,45 mil./1,30 mil. 6,45 mil./1,30 mil. 8,00 mil./8,00 mil. 8,00 mil./8,00 mil.
Property damage liability
€1.3M – €8M
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.
Section: B. Predmet poistenia > B2. Balíky poistenia
Limit 6,45 mil./1,30 mil. 6,45 mil./1,30 mil. 8,00 mil./8,00 mil. 8,00 mil./8,00 mil.
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.
Section: B. Predmet poistenia > B1. PZP > Čo máte poistené
účelne vynaložených nákladoch spojených s právnym zastúpením pri uplatňovaní nárokov podľa písmen a), b) a d) ak sme si nesplnili povinnosť bezodkladného prešetrovania alebo sme neoprávnene odmietli poskytnúť poistné plnenie, alebo neoprávnene krátili poskytnuté poistné plnenie
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.
Section: A. Všeobecná časť > A3. Najdôležitejšie informácie o Vašej poistnej zmluve
Ako potvrdenie o uzavretí poistnej zmluvy Vám vydáme poistku a zelenú kartu.
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.
Section: Článok 3 > Rozsah asistenčných služieb v prípade poistnej udalosti, ktorá vznikla na území Slovenskej republiky a Českej republiky
zorganizuje a uhradí opravu vozidla na mieste do celkovej hodnoty ceny práce 100 eur v prípade základnej asistenčnej služby a 200 eur v prípade nadštandardnej asistenčnej služby
Driver accident insurance
Conditional
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.
Section: B. Predmet poistenia > B3. Pripoistenia > Úrazové pripoistenie
Pripoistenie si dojednávate pre prípad trvalých následkov v dôsledku úrazu a smrti spôsobenej úrazom pre všetky osoby prepravované poisteným vozidlom v čase poistnej udalosti.
Passenger accident insurance
Conditional
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.
Section: B. Predmet poistenia > B3. Pripoistenia > Úrazové pripoistenie
Pripoistenie si dojednávate pre prípad trvalých následkov v dôsledku úrazu a smrti spôsobenej úrazom pre všetky osoby prepravované poisteným vozidlom v čase poistnej udalosti.
Key conditions
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.
Territorial scope
Cover applies within the territory of the states listed on the Green Card issued with the policy
Documents
General Terms and Conditions – W dobrom PZP (04/2025) (opens in a new tab)
Terms & conditions · PDF
Previous general terms and conditions – PZP MV (08/2024, superseded) (opens in a new tab)
Terms & conditions · PDF
Current list of assistance services (04/2025) (opens in a new tab)
Other document · PDF
Archived assistance/consumer information document (2022, could not be retrieved) (opens in a new tab)
Other document · PDF
Policy specifics
Bodily injury and death liability
Coverage for bodily injury and death caused to third parties
SourceSection: Poistenie W dobrom PZP
Ochrana pri škodách spôsobených prevádzkou motorového vozidla na vozidle, zdraví či majetku poškodeného pre osobné a dodávkové vozidlá kategórie M1a N1, nákladné vozidlá kategórie N2 a N3, prívesy do 3 500 kg, ako aj motocykle, trojkolky a štvorkolky kategórie L.
Assistance services
Standard and non-standard roadside assistance services included with policy
SourceSection: Poistenie W dobrom PZP > Prečítajte si viac o poistení
V rámci poistenia vám ponúkame atraktívny balík asistenčných služieb v SR aj v zahraničí počas celého roka, 24 hodín denne.
Optional add-on insurance
Five optional add-ons available for expanded coverage: accident injury insurance, animal collision, glass damage, natural disasters, and legal protection
SourceSection: Poistenie W dobrom PZP > Prečítajte si viac o poistení > Pozrite si, pred akými rizikami vás chránime a čo vám vieme v prípade potreby zabezpečiť.
Úrazové pripoistenie
Family members and household exclusion
Damages caused to spouse/partner and household members are excluded from coverage
SourceSection: Poistenie W dobrom PZP > Máme odpovede na vaše otázky
Z PZP sú z poistného krytia vylúčené škody spôsobené manželovi/ke a osobám, ktoré s poisteným žili v čase vzniku škody v spoločnej domácnosti.
Hit-and-run accident procedure
Police must be called and scene documented with photos when hit-and-run occurs
SourceSection: Poistenie W dobrom PZP > Máme odpovede na vaše otázky
Privolať políciu a vyhotoviť fotodokumentáciu miesta dopravnej nehody.
No vehicle inspection required
Vehicle inspection not required before policy conclusion except for certain add-ons
SourceSection: Poistenie W dobrom PZP > Máme odpovede na vaše otázky
Nepotrebuje. Fotodokumentáciu je potrebné doložiť len v prípade dojednania pripoistení stretu so zverou, pri živelnej udalosti a pri pripoistení skiel.
Coverage tier options
Two main coverage tiers available: Standard tier and Premium tier with different limits
SourceSources
- mojepzp.skhttps://www.mojepzp.sk/userfiles/VPP_PZP_od_15_04_2025.pdf#page=13(opens in a new tab)
- mojepzp.skhttps://www.mojepzp.sk/userfiles/VPP_PZP_od_15_04_2025.pdf#page=17(opens in a new tab)
- mojepzp.skhttps://www.mojepzp.sk/userfiles/VPP_PZP_od_15_04_2025.pdf#page=30(opens in a new tab)
- mojepzp.skhttps://www.mojepzp.sk/userfiles/VPP_PZP_od_15_04_2025.pdf#page=33(opens in a new tab)
- mojepzp.skhttps://www.mojepzp.sk/userfiles/VPP_PZP_od_15_04_2025.pdf#page=36(opens in a new tab)
- wuestenrot.skhttps://www.wuestenrot.sk/produkt/poistenie-w-dobrom-pzp/(opens in a new tab)
- wuestenrot.skhttps://www.wuestenrot.sk/wp-content/uploads/2025/10/AS_PZP_od_15_04_2025_compressed.pdf#page=5(opens in a new tab)
Wüstenrot Motor third-party liability