ČSOB Pojišťovna

What ČSOB Pojišťovna does

ČSOB Pojišťovna, a.s. is a Czech insurance company founded in 1992 and headquartered in Pardubice, Czech Republic. It operates as a wholly-owned subsidiary of ČSOB Holding, which is itself part of KBC Group, the Belgian financial services conglomerate, giving it multinational backing and adherence to KBC's sustainability and SFDR-aligned investment standards. The company employs approximately 942 staff and serves only the Czech market.

The company offers a comprehensive insurance portfolio spanning vehicle insurance (compulsory third-party liability, comprehensive vehicle coverage, and the differentiated RENTO driver accident insurance with lifetime pension benefits), travel insurance (individual, family, annual cards, domestic, and pet travel via PetExpert), property insurance (household, building, and apartment building coverage), personal and professional liability, life and accident insurance, internet and cyber risk insurance, legal protection insurance, pet insurance through PetExpert, and specialty business lines including agricultural, aviation and drone, real estate professional liability, travel agency insolvency, and a TRUMF package for small businesses and entrepreneurs. Underlying technology centers on a digital insurance platform supporting online calculators at kalkulacka.csobpoj.cz, digital document management and e-signature, a Klientská zóna self-service portal at moje.csobpoj.cz, and a mobile application.

Revenue is generated through recurring insurance premiums collected on annual or multi-year cycles, with pricing driven by vehicle type, policyholder bonus/malus history, and coverage scope. The company uses a hybrid go-to-market combining online self-service, a physical branch network, a 24/7 assistance hotline, mobile app, and cross-selling through the ČSOB Bank branch network. Its primary customer segment is individual Czech consumers, with secondary segments in small businesses and entrepreneurs, municipalities, and residential building associations. Eco-friendly green bonuses for energy-efficient rebuilding differentiate its property offering and reflect an explicit sustainability positioning.

Name

ČSOB Pojišťovna

Legal name

ČSOB Pojišťovna, a.s.

Website

https://csobpoj.cz

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

ČSOB Pojišťovna is a Czech multi-line insurance company (founded 1992, ~942 staff) and ČSOB Holding / KBC Group subsidiary that sells vehicle, property, life, travel, liability, and specialty insurance to Czech consumers, small businesses, and municipalities through online calculators, branches, mobile app, and bank cross-selling.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAMAD)

akta.pro secondary industry

Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Insurance services
• Vehicle insurance
• Life insurance
• Property insurance
• Travel insurance

Headquarters

HQ city

Pardubice

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: ČSOB Pojišťovna generates revenue through collecting insurance premiums from policyholders. The company offers multiple insurance categories including vehicle insurance (compulsory liability, comprehensive), travel insurance, property insurance (household, buildings), life and accident insurance, liability insurance, and business insurance. Premiums are collected on a recurring basis (annual or multi-year payment options).

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

ČSOB Pojišťovna is a Czech insurance company that underwrites and distributes a comprehensive portfolio of life and non-life insurance products. Its offerings span vehicle insurance (compulsory third-party liability, comprehensive, accident for drivers via RENTO), travel insurance (individual, family, annual cards, domestic), property insurance (household, building, apartment building), personal and professional liability, life and accident insurance (including group and children's coverage), internet and legal protection insurance, and commercial lines for entrepreneurs, SMEs, municipalities, agriculture, aviation, and cyber risks. Policies are priced on a recurring premium basis and sold directly online, via the ČSOB Bank branch network, advisor offices, phone, and a customer self-service portal.

Product overview

ČSOB Pojišťovna is a Czech insurance company and member of the ČSOB holding group, offering a comprehensive portfolio of insurance products. The offering consists of multiple product lines organized by coverage type: vehicle insurance (mandatory third-party liability, comprehensive vehicle, driver accident coverage via RENTO), travel insurance (individual, family, annual cards, domestic), property insurance (home contents, buildings, apartments), liability insurance (personal, professional, employer), life and accident insurance (comprehensive life, accident, group accident, children's coverage), internet and legal protection insurance, and business insurance (entrepreneurs, real estate agents, cyber risks, agriculture, aviation). The company provides an online platform for quote calculation and policy purchase via kalkulacka.csobpoj.cz, and a client zone (Klientská zóna) at moje.csobpoj.cz for policy management.

Differentiator

Problem solved

Functional benefit

Brands

• PetExpert: Pet insurance for dogs and cats
• RENTO
• Náš život
• Náš domov
• Náš dům

Products and services

• Povinné ručení (Compulsory Third-Party Liability Vehicle Insurance) Mandatory third-party liability insurance for vehicle owners as required by Czech law, covering damages caused to third parties in traffic accidents. Available with up to 20% discount. Priced annually based on vehicle type, engine size, and the driver's bonus/malus history.
• Havarijní pojištění (Comprehensive Vehicle Insurance) Comprehensive vehicle insurance covering damage to the insured vehicle from accidents, theft, vandalism, and natural disasters. Priced annually based on vehicle type and driver history.
• Komplexní pojištění vozidla (Complex Vehicle Insurance Bundle) Combined vehicle insurance bundling multiple coverage types for complete vehicle protection under one policy.
• Cestovní pojištění (Travel Insurance for Individuals) Travel insurance for individuals traveling abroad, covering medical expenses, trip cancellation, and baggage loss. Annual billing.
• Rodinné cestovní pojištění (Family Travel Insurance) Family travel insurance offering discounted rates (potentially up to 50% lower) for family coverage during international travel.
• Roční cestovní karty (Annual Travel Cards) Annual travel insurance cards for frequent travelers providing continuous coverage throughout the year.
• Pojištění domácnosti (Household Contents Insurance) Home contents insurance covering damage or loss of household belongings.
• Pojištění stavby (Building Insurance) Building insurance covering structural damage to residential properties.
• Komplexní pojištění majetku (Comprehensive Property Insurance) Comprehensive property insurance combining home contents and building coverage under a single policy.
• Pojištění bytových domů Náš dům (Apartment Building Insurance) Apartment building insurance for homeowner associations, owners, cooperatives, and municipalities, including green bonuses for energy-efficient rebuilding.
• Pojištění občanské odpovědnosti (Personal Liability Insurance) Personal liability insurance protecting individuals and families against claims for damages or bodily injury caused to others. Available with up to 10% discount.
• Odpovědnost z výkonu povolání (Employer-side Professional Liability Insurance) Professional liability insurance covering employees who cause damage to their employer during the performance of their duties.
• Náš život – komplexní životní pojištění (Comprehensive Life Insurance) Comprehensive life insurance providing death benefit and financial protection for the policyholder's family, sold on annual premiums with up to 14% discount.
• Náš život – úrazové pojištění (Accident Insurance) Accident insurance covering injuries and permanent consequences from accidents.
• RENTO – Úrazové pojištění řidiče (Driver Accident Insurance with Lifetime Pension) Unique accident insurance for drivers providing a lifetime pension benefit in case of injury while driving. Annual premium starts from 1,000 Kč, with the Standard variant approximately 2,100 Kč per year.
• Skupinové úrazové pojištění (Group Accident Insurance) Group accident insurance for organizations covering multiple employees under a single policy.
• Pojištění internetových rizik (Internet Risk Insurance) Insurance protecting individuals against online risks including cyber attacks, identity theft, and fraud.
• Pojištění právní ochrany (Legal Protection Insurance) Legal protection insurance covering legal expenses and providing access to legal consultation.
• TRUMF – Pojištění pro živnostníky a menší firmy (Insurance Package for Self-Employed and Small Businesses) Tailored bundled insurance package designed for self-employed individuals and small businesses, covering vehicles, property, liability, and related commercial lines.
• Pojištění odpovědnosti realitních zprostředkovatelů (Real Estate Agent Liability Insurance) Professional liability insurance for real estate agents and brokers covering professional errors and omissions.
• Pojištění kybernetických rizik (Cyber Risk Insurance for Businesses) Cyber insurance for businesses covering data breaches, hacking, and cyber extortion.
• Zemědělské pojištění (Agricultural Insurance) Agricultural insurance covering crops, livestock, and farm equipment for farming businesses.
• Pojištění letectví a dronů (Aviation and Drone Insurance) Aviation and drone insurance covering aircraft and unmanned aerial vehicles.
• Pojištění profesní odpovědnosti (Professional Liability Insurance) Professional liability insurance for various professions and occupations covering claims arising from professional activities.
• Pojištění záruky pro případ úpadku cestovní kanceláře (Travel Agency Insolvency Insurance) Travel agency insolvency insurance protecting customers in case of travel operator bankruptcy.
• PetExpert (Dog and Cat Insurance) Insurance for dogs and cats covering veterinary expenses and third-party liability caused by the pet. Includes the PetExpert NA CESTY brand for pet travel insurance.
• Online kalkulačky pojištění (Online Insurance Calculators Platform) Online insurance calculators for vehicle, travel, property, life, and liability insurance that deliver instant price quotes and enable policy purchase completion in minutes with documents sent by email.
• Klientská zóna (Customer Self-Service Portal) Self-service portal for existing customers to manage insurance policies, download documents, and track the status of claims online.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• TyfloCentrum Pardubice, o.p.s.minorOthersNon-profit organization providing services to visually impaired people in the Pardubice region. ČSOB Pojišťovna supports this organization as part of its corporate social responsibility program, helping children grow up in families and supporting people with visual disabilities.
• Rodinné Integrační Centrum z.s. (RIC)minorOthersFamily Integration Center supports families with children and people with special needs, health disabilities, or social disadvantages through integration activities and social services. ČSOB Pojišťovna partners with RIC as part of its corporate responsibility initiatives.
• ČSOB BankcoreStrategic or Co-development PartnerČSOB Pojišťovna is a member of the ČSOB holding group. The company leverages ČSOB Bank's extensive branch network, customer base, and digital banking platform for distribution and cross-selling of insurance products.
• KBC GroupcoreStrategic or Co-development PartnerČSOB Pojišťovna is part of the KBC Group, an international financial services company. The company adheres to KBC's ethical investment policies, sustainability standards (SFDR compliance), and integrates KBC's approach to responsible investing.

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kooperativa pojišťovna (Vienna Insurance Group): Kooperativa is a leading Czech insurer operating as part of Vienna Insurance Group, offering a comparable multi-line P&C and life insurance portfolio. It directly competes with ČSOB Pojišťovna in motor, property, and life insurance through similar agency and branch networks.
• Česká podnikatelská pojišťovna (ČPP): ČPP is a Czech insurance company specializing in P&C products for individuals and small businesses, including motor, property, and liability coverage. It overlaps materially with ČSOB Pojišťovna's core retail and SME insurance lines.
• NN Životní pojišťovna: NN Životní pojišťovna is a leading Czech life insurance provider, formerly ING life insurance. It is a direct competitor to ČSOB Pojišťovna's life insurance line (Náš život) and bancassurance model.
• UNIQA pojišťovna: UNIQA pojišťovna is a Czech subsidiary of Austrian UNIQA Insurance Group, offering a similar multi-line insurance portfolio including motor, property, life, and accident coverage. It competes directly with ČSOB Pojišťovna in the Czech retail and SME insurance market.

Broad incumbents

• Allianz pojišťovna: Allianz pojišťovna is a major Czech subsidiary of Allianz Group, offering motor, property, life, and health insurance. It is a direct competitor to ČSOB Pojišťovna across most product lines, though as part of a global giant it has broader scale advantages.
• Generali Česká pojišťovna: Generali Česká pojišťovna is the largest Czech insurance carrier and direct P&C and life competitor to ČSOB Pojišťovna. Both operate as multi-line insurers covering vehicle, property, life, and liability insurance primarily through agency and direct distribution in the Czech market.

Regional players

• Moneta Money Bank (insurance distribution): Moneta is a Czech bank that distributes insurance products through its branch network, similar to ČSOB Pojišťovna's bancassurance model with ČSOB Bank. The two compete for cross-selling insurance to banking customers in the Czech market.

Emerging players

• Direct pojišťovna: Direct pojišťovna is a digitally-focused Czech insurer that competes primarily in motor and property insurance through online channels. It is an emerging digital-native competitor to ČSOB Pojišťovna's online calculator platform (kalkulacka.csobpoj.cz).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/csob-pojistovna

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ČSOB Pojišťovna