Car insurance in the Czech Republic (POV / HAV)

Compulsory liability insurance (povinné ručení) and HAV for foreigners. We will pick the best option for your budget.

  • ⚡ 30 min online sign-up
  • 🏆 up to 50% no-claims bonus
  • 🚗 8 insurance companies
  • 🛟 24/7 roadside assistance
Find a policy
What we cover

Types of car insurance

Povinné ručení (POV)

Compulsory liability insurance. By law every car owner needs it. Covers damage to third parties — their car, property and health.

Havarijní pojištění (HAV)

Optional insurance for your own car. Covers damage in an at-fault accident, theft, vandalism and natural disasters.

Add-ons (připojištění)

Windscreen, animal collision, natural events, driver and passenger injury, 24/7 assistance, GAP and a replacement car.

Partners

Insurance companies

We compare offers from leading Czech insurers and pick the best policy for your car.

A

Allianz pojišťovna

The largest international group with reliable assistance in the Czech Republic and Europe.

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Č

ČSOB Pojišťovna

Part of the KBC group with convenient digital policy sign-up.

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S

Slavia pojišťovna

One of the oldest insurance companies in the Czech Republic.

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V

Pojišťovna VZP

Simple, transparent rates with no hidden fees.

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Č

Česká podnikatelská pojišťovna

Part of Vienna Insurance Group — popular Combi Plus car packages.

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U

UNIQA pojišťovna

Austria’s UNIQA group — a wide range of car policies and Europe-wide assistance.

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H

Hasičská vzájemná pojišťovna

The oldest mutual insurer in Czechia, with a tradition since 1900.

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P

Pillow pojišťovna

A modern digital insurer — smart car insurance online.

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How it works

How to get a policy

1Request

Provide the make, model, VIN and owner details — online in a couple of minutes.

2Choosing options

We compare offers from several insurers and find the best price for your car.

3Payment and documents

Pay online or in cash. We send the policy to your email.

4Ongoing support

We help with claims and remind you about renewal. You won’t be left on your own.

Advantages

Why KOVER?

Compare in one request

We compare offers from several insurers in a single request — no calling around.

In your own language

Consultations and sign-up in Russian, Ukrainian, Czech and English.

Foreign plates

We help owners of cars with foreign plates and with re-registration.

Support with claims

Support after accidents and in claims — we won’t leave you on your own.

Online in 30 minutes

We arrange the policy remotely — no office visit needed. We send the documents by email.

Leave a request

Leave your contacts — we’ll compare offers, pick a policy for your car and help with the paperwork.

By clicking, you agree to our privacy policy.

Frequent questions

What people ask most

What is the difference between compulsory insurance and HAV?

Compulsory insurance (povinné ručení) covers damage you cause to others. HAV (havarijní) covers damage to your own car — at-fault accidents, theft, vandalism, natural events.

Can I insure a car with foreign plates?

Yes. We’ll help arrange a policy for a car with foreign plates and advise on re-registration in the Czech Republic.

What is bonus-malus?

A no-claims discount system: the longer you drive without an accident, the cheaper the policy. Your driving experience also counts.

What should I do in an accident?

Record the circumstances: photos, details of those involved, the European accident statement. We’ll help with the claim and paperwork.

Didn't find the answer to your question?