Sector Insurance Solutions

Personal Insurance

Protect your assets and personal interests from unpredictable events. At SATUM we offer optimal insurance solutions that cover all important risks and provide you with security in every situation.

Core Insurance Products

Based on risk analysis, client needs and market offerings, we design insurance programmes precisely tailored to your business. Contact our specialists for more information.

Vehicles

Replacement Vehicle Insurance

Covers replacement vehicle costs after accident, natural disaster or theft.

Luggage Insurance

Covers luggage damage from loss, damage or theft.

Assistance Insurance

Covers accident or breakdown help – recovery, roadside repair, replacement vehicle and repatriation.

Windscreen Insurance

Covers windscreen repair or replacement from stone chips, impact or vandalism.

Other Insurance

GAP Insurance

Covers difference between purchase and current vehicle value in total loss or theft.

Driver Accident Insurance

Special additional cover for driver bodily injury from traffic accident.

Motor Insurance

Compensates vehicle damage from accident, theft, vandalism or natural disasters.

Motor Third Party Liability Insurance

Compulsory motor third party liability insurance for injury caused to third parties.

Property

Marine Insurance

Covers vessel damage, third party liability, ecological damage and crew or passenger injury.

Aircraft Insurance

Covers aircraft damage, third party liability, crew and passenger injury and other risks.

Sports Equipment Insurance

Specialist sports equipment including e-bikes cover against damage and theft.

Pet Insurance

Covers veterinary costs and liability for damage caused by pets.

Other Insurance

Apartment Buildings Insurance

Insurance for housing cooperatives covering apartment building damage and liability.

Household Insurance

Comprehensive household contents insurance against natural disasters and theft.

Apartment Insurance

Covers damage to apartment units and common areas of building.

Family Houses and Holiday Properties Insurance

Covers property and contents damage from natural disasters, fire, water, vandalism or theft.

People and Liability

Professional Liability Insurance

Covers damage caused by employee to employer.

Life and Accident Insurance

Financial security in case of injury, illness, permanent effects or other life events.

Liability Insurance

Covers liability for unintentional damage to third parties’ property or bodily injury.

Supplementary Pension Savings

Provides regular pension income above state pension with government support and tax benefits.

Other Insurance

Travel

Motor Assistance Insurance

Covers assistance costs for vehicle breakdown or accident, including recovery and roadside repair.

Chronic Illness Additional Cover

Compensates medical expenses if chronic illness worsens during travel.

Hazardous Sports Additional Cover

Provides benefits for injury or insured event from hazardous sports activities.

Trip Cancellation Additional Cover

Covers trip cancellation fees due to illness or injury.

Other Insurance

Luggage Insurance

Covers luggage damage from loss, damage or theft.

Travel Insurance

Provides medical expenses cover, assistance and damage compensation during travel.

Other Insurance

Are you looking for specific insurance coverage that precisely matches your needs?

At SATUM we identify your requirements and based on these review offers from all insurers in the market. As a result, we find the insurance product that best covers your specific risks.

Contact the SATUM
Personal Insurance Team

Team Leader

Bc. Ivana Klepcová, Dis.

Director of Personal Insurance Department

The SATUM Czech personal insurance team comprises highly qualified specialists with extensive knowledge of the insurance market. Our consultants continuously educate themselves through professional seminars provided by leading insurers whilst also developing their expertise within SATUM’s sophisticated internal training system. This comprehensive approach ensures perfect orientation in the entire insurance market offering and detailed understanding of all products and their terms. Thanks to our thorough market knowledge, we know which products provide the most favourable conditions for our clients’ specific situations.

We regularly evaluate offers from all insurers, monitor changes in their portfolios and compare the quality of individual products. Our strength is objective selection from existing options – we choose the best available solutions for you from the current insurance market offering. We combine expert knowledge with practical experience and recommend products that offer an optimal balance between price and actual value of insurance coverage. With SATUM you gain certainty that your insurance contains the best that the current market offers.

Common and Emerging Risks
in Personal Insurance

The modern world brings ever-new risks that can significantly affect financial stability and quality of life. Properly configured insurance minimises the financial impacts of unexpected events and ensures long-term protection of your assets as well as financial security in unforeseen situations.

New Technologies and Transport

Modern vehicles and smart devices pose higher financial risk when damaged.

Rental and Shared Housing

Using other people's properties creates liability risk for damages significantly exceeding standard insurance coverage.

Borrowed and Rented Items

Risk of loss or damage to borrowed items, which can lead to unexpected financial costs.

Recreational Properties

Holiday cottages and country houses require specific protection that takes into account seasonal use and often remote location.

Pets

Veterinary care costs are constantly rising and increase the financial burden when treating illnesses or injuries in pets.

Group Risks

Group work activities expose companies and individuals to increased risk of accidents and their consequences.

Sports Equipment

High-end sports equipment is significantly threatened by the risk of damage or theft.

Properties Abroad

Owning properties outside the Czech Republic brings risks associated with local legislation and limited control options.

Bc. Ivana Klepcová, Dis.

Director of Personal Insurance Department