Car Insurance in the Czech Republic (POV / HAV)

Car insurance in the Czech Republic consists of a range of policies that protect you, your vehicle, and other road users from the financial consequences of traffic accidents, theft, vandalism, and natural disasters.

There are two main types of auto insurance on the Czech market:

Compulsory Liability Insurance (POV) — mandatory insurance. This insurance is required by law for every vehicle owner. It covers damage you cause to third parties—their vehicles, property, or health. You cannot legally operate a vehicle without POV insurance: a fine is imposed for each day you are uninsured.

Comprehensive Auto Insurance (HAV). Voluntary insurance for your own vehicle. Covers damage resulting from accidents caused by you, theft, vandalism, and natural disasters.

Supplementary Insurance (Additional Options):

• Glass insurance (windshield and other windows)
• collision with an animal
• natural disasters (hail, falling trees, flooding)
• injuries to the driver and passengers
• 24/7 assistance in the Czech Republic and Europe
• GAP insurance (the difference between the purchase price and the market value of the vehicle in the event of a total loss)
• Renting a replacement vehicle while your car is being repaired

We’ll put together a package combining POV, HAV, and supplemental insurance tailored to your vehicle, driving style, and budget.

POV required for every vehicle owner in the Czech Republic—whether they own a car, motorcycle, scooter, trailer, or even certain electric scooters.

HAV and supplemental insurance are optional, but they are particularly important in the following cases:

• New car. HAV covers the full cost in the event of theft or total loss.
• Buying a car on credit or through a lease. Most banks and leasing companies require HAV as a condition of financing.
• The car is often parked on the street. There is a high risk of vandalism, theft, and damage from natural disasters.
• You travel a lot in the Czech Republic and Europe. 24/7 roadside assistance will come to your rescue in case of a breakdown or accident abroad.
• Cars with foreign license plates. We can help you get insurance for foreign license plates and assist you with the process of converting them to Czech plates.
• You recently got your driver's license. We’ll find a plan that takes into account your driving history and your safe driving bonus.

In the event of a traffic accident or an insurance claim:

1. Document the circumstances: take photos and record the details of those involved. In the event of serious damage, injuries, or disputes, call the police (tel. 158).
2. Call your insurance company’s assistance line—the operator will tell you what to do and, if necessary, call a tow truck.
3. Within a few days, file an insurance claim (hlášení pojistné události)—online or at the insurance office.
4. The insurance company will assess the damage and pay compensation or send the car to a partner repair shop.

In case of a breakdown on the road:

If roadside assistance is included in your policy, call the insurance company’s hotline. They will arrange for towing, on-site assistance, or a replacement vehicle.

KOVER Center is an official insurance broker in the Czech Republic. We work with all leading insurance companies and tailor auto insurance policies to specific vehicles, the driver’s experience, and the intended use of the vehicle. We provide support in Russian, English, and Ukrainian.

Our advantages:

• Compare quotes from multiple insurance companies with a single request.
• Consultations and paperwork in your native language.
• Assistance for owners of cars with foreign license plates.
• Translation of documents for vehicle registration and re-registration.
• Consultation on switching to Czech license plates.
• Support during insurance claims—we won’t leave you to deal with the red tape on your own.

Submit your application on the website — it takes just 1 minute. Provide the basic details: make, model, year of manufacture, VIN or license plate number, and your personal information. For your convenience, you can also send a photo of the vehicle registration certificate via our messaging apps or visit our office: Prague, Politických vězňů 911/8, 4th floor (Mon–Fri, 9:00 AM–6:00 PM).

We’ll compare quotes from leading insurance companies and select the best package of POV, HAV, and additional coverage options for your car and budget. We’ll explain in detail what’s included in each option.

Payment can be made online via bank transfer or in cash at our office. Once payment is complete, you will receive an official policy (including a green card for POV), a payment confirmation, and instructions in case of an accident.

We'll stay in touch after the paperwork is complete:

• We assist with the translation and submission of documents required for car registration in the Czech Republic;
• We provide consultation on converting foreign license plates to Czech ones;
• We assist you with insurance claims—from communicating with the insurance company to receiving your payout;
• Please remember to renew your policy so you don’t end up without coverage.