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Under the Czech car insurance system it is the car that is insured, anyone with the owners permission to drive the car and a valid license is insured.
Czech car insurance will usually cover you outside CR. If you have Czech car insurance you will have what is called a Green Card for international driving. You should keep the green card with you at all times when driving. It proves to the police you are insured.
Czech insurance companies tend not to accept foreign no caims bonuses. Which can make a large difference in the price of your insurance.
Povinné ručení is third party car insurance (POV) and is the minimum insurance you can have in Czech law.
35/35 is the lowest type of POV allowed by law.
35/35 means that the driver would be insured up to 35 million Kcs for damage to someone else property and 35 million Kcs for damage to some other persons health.
POV 35/35 is very low insurance.
If you are looking for full car insurance you need to look for POV and Kasko.
You can take out POV (third party insurance) without Kasko. But if you want more complete insurance you need to add Kasko on top of the POV.
POV covers you for the damage you may do to someone elses health or property. Kasko covers you for the damage you do to your own vehicle/property.
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