Insuring a vehicle (povinné ručení)

Compulsory third-party motor insurance, the green card, and what happens if you let it lapse.

What this actually is

Every vehicle registered in Czechia must carry third-party liability insurance (povinné ručení) from the day it is registered, whether or not it is driven. Insurers report cover to the Czech Insurers' Bureau, and a gap triggers a charge to the guarantee fund on top of any fine.

Who it applies to

Anyone who owns or operates a vehicle registered in Czechia.

When it's required

Before or on the day the vehicle is registered to you, and continuously afterwards.

Step by step

1
Arrange cover before registration
The registry asks for proof of insurance when the vehicle is registered.
2
Keep the green card
The green card is the proof of insurance you must be able to show; digital versions are accepted.
3
Consider comprehensive cover separately
Havarijní pojištění (comprehensive cover) is optional and separate from the compulsory policy.
4
Deregister the vehicle if you stop insuring it
Simply cancelling the policy while the vehicle stays registered creates a liability to the guarantee fund.

Documents to bring

Vehicle registration certificate (technický průkaz)
Identity or residence document
Previous no-claims confirmationOptional, but reduces the premium

Who decides

Your insurer, with oversight by the Czech Insurers' Bureau (ČKP)

Official information

Czech Insurers' Bureau (ČKP)Official source
Ministry of TransportOfficial source

Last checked: 1 September 2026

This is a plain-English explanation, not legal advice. Requirements change and individual cases differ — confirm with the responsible authority before acting. Information last checked 1 September 2026.