DEFEND Gap FLEX provides flexible financial protection when the car is stolen or totally damaged regardless if the car is covered by CASCO or MTPL insurance.

  • Insurance period 3 years.
  • It can be concluded for M1 and N1 cars up to 10 years old.
  • Maximum purchase price 1 000 000 CZK.
  • Limit of insurance benefits (CASCO concluded or uncaused accident)
    250 000 CZK (max. 50% of purchase price).  
  • It can be concluded no more that 120 days after the car purchase.
  • Insurance is concluded without deductible.

Insured events

Total damage of the vehicle as a result of:


The insured are only those that are covered by AC at the date of the event.

The insurance can be concluded exclusively via AAA AUTO network, member of AURES Holdings Group (AAA AUTO, Mototechna, Auto Diskont).

  • Report of Damage Event:
    When you (insured party or on behalf of the insured) become aware of any event that could lead to a claim you must report the damage within 8 days of the incident on +420 233 103 111 or by e-mail to
    In order to register a claim the claims adjuster will need to know the policy number or vehicle VIN code. For the prompt assessment of your claim we will need the following information: damage details (when and how the accident happened, the vehicle was used, whether the case was solved by the police, whether the damage was total, the name of the CASCO company and where the crashed vehicle is located)
  • Documentation:
    The Insured must complete the Claim Forms and provide the following documents (as appropriate, in accordance with the instructions of the liquidator):
    - Copy of purchase receipt Vehicles (usually an invoice)
    - Copy of both sides Vehicle registration certificate, Part II. (Technical certificate)
    - A copy of the Financial Contract
    - A copy of the document proving the CASCO insurance of the Vehicle
    - Copy of the Report about the Reporting / Investigation of the Police Incident Event (*)
    - A copy of the Driver's, who drove the vegicle at the time of the event, Drive license
    - Adress of Vehicles storage location, including contacts (for eventual inspection of vehicles)

If you have any questions, check out our FAQ or contact us.

Important: The previous information may differ from the insurance contract concluded specifically for your vehicle. In the event of any inconsistencies, only the terms of your insurance contract shall prevail.