Allianz
24 hours helpline: 241 170 000

Motor third-party liability insurance

Povinné ručení s nejvíce výhodami v ceně

Choose your insurance cover and how much you want to pay.

Reasons to take out MTPL insurance from Allianz

Motor third-party insurance is mandatory for every vehicle that is part of traffic. It protects you against unexpected expenses if you cause harm to others’ health or property.

  • You can choose from 4 indemnity limits including the market’s top indemnity limit of 200 million crowns.
  • Assistance and legal advice included in the price of the product.
  • Wide offer of insurance riders.
  • No increase of the price if agreeing on 3-year price fixation.
  • You can choose the scope of your MTPL insurance and thus you know exactly what you paid for.
    • Optional direct adjustment of claims – applies to harms to health and property caused to persons travelling in your vehicle by operation of another vehicle.

 

Our superior services

We cover claims of up to CZK 200 million per injured person and CZK 200 million for property claims.

WE COVER CLAIMS UP TO CZK 200 MILLION

We cover claims of up to CZK 200 million per injured person and CZK 200 million for property claims.

More information

Driving even an ordinary car, you can cause dozens of millions crowns in damage. You can cause a traffic accident of your car with a truck transporting expensive or hazardous cargo, or a bus full of people. Damage to property, lost profit, injury claims or fatality compensation claims can amount to dozens of millions Czech crowns. That is why we offer motor third-party liability insurance with a limit of up to CZK 200 million.

PRODUCT VARIABILITY

You know exactly what you pay for. Build your own insurance to suit your needs. Don't pay for something you don't want.

WE PROVIDE LEGAL ADVICE

We will advise you on ways to handle a traffic accident. We will give you professional information on road traffic. Or we arrange for translation that may come handy at a road check abroad.

Build your own MTPL insurance to suit your needs

Indemnity limits

 
CZK 35/35 million CZK 70/70 million CZK 150/150 million CZK 200/200 million

Choose insurance riders to your MTPL insurance

 
Insurance riders  
Car glass insurance (optional limit)
  • Limits from CZK 5,000 to CZK 100,000
  • No deductible after 6 months of the insurance, conditioned by repair/replacement at a contracting repair shop
Direct adjustment of claims
  • Now we settle all claims of the injured party,
  • including hull damages as well as injury claims, damage to transported property, and lost profit
  • Applies to all transported persons
  • Indemnity limit CZK 70/70 million
  • Valid in the territory of the Czech Republic only
Accident insurance covering the policyholder’s minor children travelling in the car
  • Indemnity:
    • Lump-sum, up to CZK 600,000 for permanent consequences of an injury
    • CZK 150 per day during treatment and 150 more during hospital stay
Child safety seat insurance
  • Taken out always along with accident insurance covering the policyholder’s minor children travelling in the car
  • When the safety seat is damaged in a car accident or stolen, we always cover its full purchase price
Driver’s accident insurance
  • Indemnity:
    • Lump-sum, up to CZK 600,000 for permanent consequences of an injury
    • CZK 150 per day during treatment and 150 more during hospital stay
Accident insurance covering persons in the car
  • Indemnity:
    • Lump-sum, up to CZK 600,000 for permanent consequences of an injury
    • CZK 150 per day during treatment and 150 more during hospital stay
Assistance PLUS
  • Two variants available with different indemnity limits
  • Option for a courtesy car for 10 or 20 days more
  • optional limit of daily rent for the courtesy car – CZK 1,000/2,000/3,000

How to take out a motor third-party liability policy

Take out the insurance over the telephone..

  • A fast and easy way to take out insurance

Come see us at a branch office or arrange for a meeting with our advisor.

  • We will prepare a tailored insurance policy to suit your needs
  • We will provide you with professional advice

Frequently asked questions

  • Can I use direct adjustment to handle a claim where I am not the driver at fault? The driver at fault is insured with a less reputable insurer and thus I would prefer dealing with Allianz.

    Yes, we will settle damage to your vehicle, items transported in it, as well as any harm to your health. Then, we will handle the whole matter with the insurer of the driver at fault. The basic condition is that the accident has happened in the Czech Republic and the damage has been caused by operation of another vehicle.

  • Can I use direct adjustment to handle a claim when the driver at fault is not insured? I heard that I should handle the case with the Czech Insurer’s Bureau. However I do not know at all what will they want from me, how long will it take and how much will I eventually get.

    Yes, we will handle and settle the claim for your damaged vehicle. The basic condition is that the traffic accident happened in the Czech Republic and (joint) fault of the other party was established.

    The adjustment process and indemnity is identical to adjustment under MTPL insurance save for the fact that you can sort out all the things with “your” Allianz, not another entity. We will handle the case with the Czech Insurer’s Bureau on your behalf.

  • Can I use direct adjustment to handle a claim when the driver at fault is a foreigner with a car registered in a foreign country?

    Unfortunately you cannot. In such a case, you need to address the foreign insurer’s claims agent.

What next?

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