What the policy should cover
Based on your car’s value and use, we’ll review collision, theft, natural hazards and damage to a parked car. The scope depends on the contract.
Protection for your own vehicle
Own-damage car insurance in Košice
Let’s compare your car’s cover, excess and repair terms. What matters is how much of a loss you would pay yourself.
Review my car’s cover
The excess on a claim
We’ll check any fixed amount, percentage or combination, and the risks they apply to. A lower premium may mean paying more yourself when you claim.
- Claim terms for windscreen repair or replacement.
- Choice of repair shop and parts, and payment for repairs.
- Assistance limits and replacement vehicle conditions.
Before signing or renewing
For a financed car, we’ll check the financing agreement’s requirements. At renewal, we’ll review the details and terms, including how a total-loss payout is calculated.
Excess model
How much of the repair would you pay?
An illustration for a contract with a percentage excess subject to a minimum amount. It does not establish entitlement to a payout; exclusions, limits and loss valuation are not included.
Your share
- Modelled payout
- 3 800 €
In this model, the excess cannot exceed the accepted loss.
One point of contact. Directly with me.
Review my car’s cover
I’ll call you and also send the specific options by email.
Martin Gago0950 638 350
[email protected]
By phone or online.
Platanová 404/5, 040 01 Košice
correspondence address only.
Send me your contact details.
* Both email and phone are required.
Questions before you decide
Good to know
Can I choose any repair shop?
It depends on the contract. Offers may differ in their use of approved repair shops, your choice of repairer and how costs are calculated. We’ll compare these differences in advance.
Does own-damage car insurance replace PZP?
No. Own-damage cover concerns your own vehicle; PZP covers a different need: liability for damage caused to others.
What should I prepare for a comparison?
Details of the vehicle, how it is used, its financing and your current policy. We’ll add which events you want covered and the excess you can afford.
Information source: NBS – PZP and own-damage car insurance. This is a general explanation; we’ll discuss the specific terms during a consultation.