CSOB Pojistovna review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CSOB Pojistovna suits Czech households and sole-proprietors who want one long-established insurer for personal and business lines, and who are comfortable paying in one go. Car liability excess starts at CZK 0, and support runs on phone and help centre.
Key facts
- Best for
- Czech policyholders wanting personal and business cover from one insurer, paying in a single settlement.
- Insurance types
- Auto, Home, Life, Travel, Pet, Health, Home-emergency (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- No (Source, checked September 26, 2026)
- Excess from
- CZK 0 (Source, checked September 26, 2026)
- Claims channels
- Phone, Web-form, Client-zone (Source, checked September 26, 2026)
- Legal entity
- ČSOB Pojišťovna, a. s. (Source, checked September 26, 2026)
- Headquarters
- Czechia (Source, checked September 26, 2026)
- Founded
- 1992 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- csobpoj.cz
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover types
- Public-liability, Property (Source, checked September 26, 2026)
- Excess from
- CZK 0 (Source, checked September 26, 2026)
- Monthly payments
- No (Source, checked September 26, 2026)
- Industries
- citizens, sole-proprietors and companies (Source, checked September 26, 2026)
- Legal entity
- ČSOB Pojišťovna, a. s. (Source, checked September 26, 2026)
- Headquarters
- Czechia (Source, checked September 26, 2026)
- Founded
- 1992 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- An insurer rather than a broker, so auto, home and life sits with the company that carries the risk
- The excess on car liability starts at CZK 0, so a claim need not cost the policyholder anything
- A single balance of personal lines, auto, home and life, plus public liability and property for sole-proprietors and companies
- Business cover is limited to public liability and property, keeping the product set simple for small traders
- Claimants can use phone, web form and client zone, which includes a client zone as well as a phone line and a form
Cons
- Policy questions run on phone and help centre, while claims have a separate, wider set of routes in phone, web form and client zone
- Business cover stops at public liability and property, leaving out the wider commercial lines some buyers expect
- auto, home and life leaves out renters, motorcycle and landlord cover, where Good Sam Insurance Agency lists auto, home and renters
Who it suits
- Czech households covering a car, home, life, travel, pet or health policy with one insurer
- Sole-proprietors and small companies needing public liability and property cover alongside personal lines
- Drivers whose car liability excess starts at CZK 0 and who prefer paying the premium in one go
Who should look elsewhere
- Buyers who need premiums monthly, since monthly payments: no
- Shoppers wanting renters or landlord cover, which auto, home and renters lists and auto, home and life does not
- Businesses needing professional indemnity, employers liability or cyber, which sit outside public liability and property
What cover costs
The clearest money signal here is the excess on the car liability policy, which starts at CZK 0. That is the point at which a claim begins to cost the policyholder, and starting at CZK 0 keeps the first cost of a third-party claim off the household budget. The same policy does not run on monthly payments, so the premium is settled in one go rather than spread across the month, which suits anyone with a lump sum to hand and suits nobody paying a monthly budget. Compare that with a policy that can be paid monthly, and the trade-off is clear: a lower entry cost per month, but nothing left over at renewal time. Support and claims sit outside the price of the policy itself, and running them costs nothing extra in phone, web form and client zone, where a phone line, a form and a client zone handle questions. For a household buying more than one line, the same account carries auto, home and life, so a car policy, a home policy and a pet policy all sit with one provider rather than with several.
Who runs it
The provider is ČSOB Pojišťovna, a. s., an insurer rather than a broker or a comparison site, based in Czechia and trading since 1992. That length of record matters for a policy that has to run for years, since the company holding the risk is the same one named on the documents. Its stated market is citizens, sole-proprietors and companies, so both household and business customers sit inside the intended range. Policy questions run on phone and help centre, which is a phone line and a help centre, while claims have their own set of routes. An insurer structure also means the money sits inside the policy rather than with an intermediary, so a claim is paid by the company that collected the premium.
How CSOB Pojistovna compares
9.1 vs 9.4
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9.1 vs 8.6- 9.1 vs 9.3
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9.1 vs 9.3
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Where CSOB Pojistovna is available
- Available
- Czechia
Countries from the brand (checked September 26, 2026)
Frequently asked questions
What does the excess mean on a car liability policy?+
The excess is the amount a policyholder keeps responsibility for on a claim. On the car liability policy it starts at CZK 0, so a claim below that level costs the policyholder nothing. The figure is a floor, and the amount actually applies depends on the terms chosen.
Can I pay the premium monthly?+
Monthly payments: no, so the premium is settled in a single payment. That suits anyone who prefers a one-off cost over a smaller monthly outflow, and it suits nobody who plans around a monthly budget. Providers with monthly payment options, such as bunq's personal plans, work the other way.
What kinds of cover can I buy from this provider?+
The personal range covers auto, home and life, spanning car, home, life, travel, pet, health and home emergency. Alongside that, public liability and property are offered for companies and sole-proprietors. Renters, motorcycle and landlord cover are not part of the list.
Is this a broker or an insurer?+
It is an insurer, so ČSOB Pojišťovna, a. s. carries the risk on the policies it sells. Brokers and comparison sites sit between the customer and the risk carrier, while an insurer does not. The entity is registered in Czechia and has traded since 1992.
Who can apply for a policy here?+
The stated audience is citizens, sole-proprietors and companies. That covers people taking out personal policies, sole-proprietors insuring their business, and companies insuring premises or liability. Buyers outside that range would need to look at a provider aimed at a different customer base.
How are claims handled?+
Claims run on phone, web form and client zone, which covers a phone line, a form and a client zone. The client zone gives a record of everything filed, and the phone line suits claims that need to move quickly. Policy questions run on a separate set of routes, so the two are kept apart.
What business cover is on offer?+
Business cover is limited to public liability and property, aimed at sole-proprietors and companies. Professional indemnity, employers liability and cyber lines sit outside that set, so a business needing them would have to look elsewhere for those classes.
How do I get help with a policy?+
Support runs on phone and help centre, meaning a phone line and a help centre handle policy questions. Claim reports follow a separate, wider set of routes in phone, web form and client zone, which adds a form and a client zone. Buyers who prefer to write in about a policy have the help centre to go on.
Sources
- csobpoj.cz checked September 26, 2026
Backs: Insurance types
“Vehicle insurance (liability, accident, comprehensive vehicle), travel insurance, property insurance, household insurance, life and accident insurance, PetExpert dog and cat insurance; non-life range...”
- csobpoj.cz checked September 26, 2026
Backs: Cover types
“pojisteni odpovednosti... Obcanska odpovednost”
- csobpoj.cz/en/about-us checked September 26, 2026
Backs: Industries
“offering complex insurance services to citizens and sole-proprietors, as well as to companies and large corporations”
- csobpoj.cz/kontakty checked September 26, 2026
Backs: Claims channels, Support channels
“Claims line +420 466 100 777, working days 8 to 18; claims status via our online form”
- csobpoj.cz/o-spolecnosti/kdo-jsme checked September 26, 2026
Backs: Provider type, Founded, Headquarters, Legal entity
“CSOB Pojistovna, a. s., a member of the CSOB holding, is a universal insurer”
- csobpoj.cz/pojisteni/pojisteni-vozidel/povinne-ruceni-4.1 checked September 26, 2026
Backs: Excess from, Monthly payments
“Liability insurance is legally compulsory third-party liability cover; there is no excess on liability insurance”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.
CSOB Pojistovna
Czech policyholders wanting personal and business cover from one insurer, paying in a single settlement.