Individuals

Compulsory motor liability (MTPL)

Statutory vehicle insurance — we compare prices and cover across insurers.

For any vehicle owner who wants a fair price and certainty in an accident.

MTPL prices differ by thousands of crowns between insurers for the same cover. It's hard to compare on your own.

Motor third-party liability (MTPL) is required by law for every vehicle on the road. It doesn't protect your car, but the person you cause damage to — which is exactly why the indemnity limits matter more than they seem. The gap between the cheapest and the most expensive offer for the same cover is often several thousand crowns a year; we narrow it down to one recommended option.

What you get

A fair price from a market comparison

Higher limits for a reasonable surcharge

Help when you claim, not just a sale

What the insurance covers

Injury and loss of life

Compensation for the health of injured parties, including pain and suffering and payments to survivors — amounts easily reach millions.

Property damage

Damage to another vehicle, crash barriers, buildings or equipment caused by operating your car.

Loss of profit of the injured party

Costs the injured party incurs because they couldn't use the vehicle or property as usual.

Legal representation costs

Reasonably incurred costs of pursuing the injured party's legitimate claim.

Assistance services

Towing, roadside repair or a replacement vehicle — but the scope varies significantly between insurers.

What it usually doesn't cover

Damage to your own vehicle (that's what comprehensive cover is for)
Damage above the agreed indemnity limit — that's why we don't pick the lowest one
Intentional damage and driving without a licence or under the influence

How it works

You describe the vehicle and your needs

We compare insurers' offers

We recommend the price/cover balance

We help you arrange and switch

Example situations

You hit a more expensive car

You cause a collision; repairing the other car and treating the driver exceed a million. MTPL covers the compensation — you pay nothing until you exceed the limit.

You overlook a cyclist

Pulling out of a parking space you hit a cyclist. Besides the damaged bike, the insurance also covers pain compensation and lost wages during their sick leave.

What to prepare

Vehicle registration (VIN, power, year)

Details of current insurance and claim-free history

Expected annual mileage

Often overlooked

Low indemnity limits in the cheapest options

Assistance services and their scope

No-claims bonus transferred from the old policy

Frequently asked questions

How quickly can I switch?

Usually quickly after comparing offers; we'll also help terminate the old policy.

Can I keep my no-claims bonus?

Yes, a claim-free history usually transfers — we'll help you apply it.

2005on the market since 2005

160 000+satisfied clients

200 000+policies under management

15+partner insurers

Not sure about your insurance?

Describe your situation and we'll get back with advice — no obligation.

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Total Brokers a.s. is an independent intermediary registered with the Czech National Bank. Information on this website is general and not a binding insurance offer.

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