Liability

Škoda z poistenia

What should you do when an event of damage occurs?

The insured

Please inform the injured party about your liability insurance. Preserve the original condition of the damage for examination by the insurance company. Take photographic documentation and collect the contact details of any witnesses.

In case of injuries, ensure that urgent medical assistance is provided. Record the name and contact information of the claimant.

Never acknowledge any claim made by the claimant without the prior consent of the insurance company. Do not make any payments or offer compensation from your own funds. Report the damage to your insurance company as soon as possible.
 

The claimant

If someone has caused you damage, please, preserve it in its original condition for investigation purposes. Produce photo documentation, obtain the contact details of any witnesses, and prevent the damage from worsening. This evidence will be essential for processing your claim.

Identify the party responsible for the damage and submit your claim for compensation to them without undue delay. Please note that you cannot contact the insurance company of the third party directly, as it is not authorised to provide information about its clients' insurance policies.

Obtain a written statement of fault from the third party responsible for the damage, along with information about their liability insurance. You can report the damage to PREMIUM Insurance Company via the web form, by phone, email, or in writing. Once the damage is reported, you will be assigned a claim reference number, and we will begin the investigation. We will also request that the third party responsible for the damage report the incident to their insurance company. Details of the third party and their liability insurance are required to proceed with the claim settlement process.

The entire process requires your active cooperation, so please ensure you retain all evidence and maintain communication with the insurance company.

What do I need to report an event of damage?
  • Date, time, and place of the event of damage
  • Insurance policy number under which the claim will be paid
  • Cause of damage (event description),
  • Extent of the damage, including estimated amount,
  • Identification details of the insured
  • Identification data of the claimant.

Once the claim is reported, will register it in our system. You will receive the claim number by email or be notified by phone as soon as the registration is complete.

How is the claim settled?

Please, report the damage electronically, by phone, or by mail.

Immediately after reporting, we will register your damage in our system and notify you of the claim reference number via e-mail or phone. You will then be contacted by our claims adjuster who will take over your case.

Depending on the nature and extent of the damage, we may send a technician to inspect the damage or request that you submit the necessary documents. Often, a combination of both procedures is used to ensure a thorough damage assessment. In more complex cases, we may also contact other individuals, authorities, or government agencies. If an inspection is scheduled, please have your insurance policy ready, if available.

Once we have received all necessary documentation, our claims adjuster will assess your claim and calculate the amount of damage. Once the claim settlement is complete, we will notify you in writing and inform you of when and how the claim will be paid to your account.

If we determine that we are unable to pay for the damage, we will send you a written explanation with specific reasons for the rejection of your claim.

Documents to download

Reporting a claim
177 KB (valid from 01.02.2023)
Reporting a claim
55 KB (valid from 01.02.2023)

Reporting Damage

Online

You can report damage easily by using our online form. Have your policy number ready and click on Online Damage Reporting.

Online Damage Reporting

By e-mail

Fill out the Claim Report form and send it to us at the email address provided below.

likvidacia@premium-ic.sk

By phone

Our Client Centre hotline is available on working days from 9:00 a.m. to 5:00 p.m.

0850 888 988

Do you need assistance?

We will help you eliminate the causes of accidents or natural disasters, or assist you with unlocking the door.

The service is provided by Europ Assistance s. r. o. 
24 hours a day, 7 days a week at the following telephone number:

+421 2 2051 0837