Accident insurance
covers the damage to a vehicle in case of an accident, natural disaster, theft, or vandalism.
To our clients, we offer an arrangement of a comprehensive accident insurance with one of our contractual insurers. The relevant premium is part of an installment and it is fixed throughout the whole term of the leasing. The insurance company Kooperativa offers - for the first year upon putting into operation a vehicle up to the total weight of 3500 kg - the so-called 100% indemnification, with the insurance company UNIQA, it is possible to arrange an extended version KASKO MAX.
The territorial validity is arranged for whole Europe.
The accident insurance does not cover work activities of a vehicle. That is why it is suitable to arrange a supplementary machinery insurance coverage for vehicles with an extension (refrigerated vehicles, mixes, or vehicles with a hydraulic arm).
Liability insurance for damages caused by an operation of a vehicle (so-called mandatory insurance)
The obligation to conclude the liability insurance for damages caused by an operation of a vehicle rests on an owner of the vehicle - in accordance with the Law no. 168/1999 Coll. The liability insurance for damages caused by an operation of a vehicle covers damages to other road users or persons, to which an insured vehicle caused damages - either a material damage or damage to health. This insurance must be arranged for each and every vehicle, which is intended for an operation on roads, with the exception of vehicles of the armed forces, police, and vehicles included in the integrated emergency system. In case of an inclusion of a vehicle in the Integrated emergency system – it is necessary to present a permit of a regional authority concerning an inclusion in the IES
The insurance may be arranged as fixed for the whole term of the contractual relation in the same amount and included in individual installments or as variable premium, which is settled once a year by the client on the basis of invoicing, with an optional bonus.
GAP insurance
This insurance is arranged for the purpose of an indemnification of financial loss incurred by an insured in connection with an insurance claim settled from the primary insurance coverage (accident insurance, in case of a damage to vehicle by another road user from the so-called mandatory insurance) and it represents a difference between the purchase price and the general price assessed by the primary insurer with regard to an occurrence of a total damage due to an accident or a theft of the insured vehicle. The condition for an indemnification is the fact that the primary insurer did not reduce or reject the insurance indemnification. UniCredit Leasing offers this insurance coverage with the insurance company UNIQA in two alternatives, when it is possible to select whether or not the reduced deductible of the primary insurer will be indemnified from the GAP insurance.
Insurance of an inability to repay
The insurance may be arranged by a private individual or a physical entity for the protection in case of a loss of regular incomes, i.e. the inability to repay the obligations resulting from a leasing contract, loan, or an installment sale with due to a working inability caused by an illness or an accident, due to a total disability due to an illness or an accident, due to a decease caused by an illness or an accident, or in - case of a private individual and an arrangement of an extended version - an involuntary loss of employment. The insurance coverage is offered in cooperation with the insurance company AMCICO.
Supplementary insurance covers
Majority of insurers offers the following supplementary insurance covers to already arranged mandatory and/or accident insurance covers in order to extend a legal protection. Our employees will be happy to inform you of a specific offer of the selected insurer.
. insurance of windows or a windshield - this insurance applies to damage or destruction of windows, during which an embedded window was damaged, cracked, or was otherwise damaged in the way that its replacement is necessary. The insurance shall be arranged for a selected insurance amount or for a premium rate, which covers the purchase of a new window (windows).
. insurance of luggage and personal items - this insurance applies to a damage, destruction, theft of items during a transportation or any tasks associated with thereof. The insurance coverage shall be arranged for a selected insurance amount.
. accident insurance of persons transported within a motor vehicle - this insurance shall be arranged for a potential accident of persons transported in a motor vehicle, which results in a decease or a permanent disability, and which occurs in consequence of an accident of a specific insured vehicle. The insurance shall be arranged for agreed insurance indemnification limits.
. assistance services - this insurance includes an emergency help in case of an accident or a breakdown of a vehicle. It applies to supplementary services, the extent of which is specified in an insurance policy, e.g. the right to an indemnification of the most necessary expenses for a provisional repair for the way to the Czech Republic, provision of legal aid, replacement vehicle, towing away a vehicle, repair of a vehicle by an assistance service, etc.
The insurance coverage is arranged for an agreed scope.
. replacement vehicle insurance - this insurance applies to a reimbursement of costs associated with renting a replacement vehicle in case of a traffic accident. The presumption is that the repair of the damaged vehicle shall exceed 8 normative hours. The maximum rental period and the daily rates are specified by the insurer in the insurance terms and conditions. The insurer shall not reimburse operational costs (i.e. fuels, parking fees, etc.) and possible damage to the rented vehicle.
. legal protection insurance - this concerns a provision of legal aid to an insured in case of a traffic accident. The indemnification usually includes legal fees and expenses, costs of court experts and witnesses summoned by the court, expenses and costs of the counterpart assessed by a court verdict, remunerations and costs of the selected attorney, bails, costs of experts of an insurer, expenses of an insured associated with travel to court proceedings, etc.
The maximum insurance indemnification limit is given in advance for this insurance coverage.
