When you type “insurance in Czechia” into your browser, one of the first names likely to pop up is ePojisteni.cz. Founded as one of the first major online insurance comparison platforms in the Czech Republic, ePojisteni.cz has grown into a leading brand, helping thousands of customers every week compare and purchase insurance-products with a click. In this article we’ll dive into what ePojisteni.cz is, how it works, what makes it stand out, its key services, and why it may be worth your attention.
Origins & Company Background
ePojisteni’s roots stretch back to the late 2000s. According to one review, the portal was founded in 2008 and later registered as a regulated insurance intermediary under Czech law.
Further, the company called Klik.cz & ePojisteni s.r.o. is the legal entity behind the brand: “Klik.cz & ePojisteni.cz s.r.o., IČ: 28480406… Rohanské nábřeží 29, 186 00 Praha 8-Karlín.”
This shows the platform is formally registered and supervised (via the Czech National Bank, ČNB) as an insurance intermediary.
Over time, ePojisteni.cz also became part of a larger insurance/comparison group (via the parent group Netrisk Group) which has operations not just in the Czech Republic but neighbouring markets too.
Why this matters:
- Being registered under ČNB means it has to comply with regulatory standards in the Czech insurance market.
- Its membership in a larger group suggests scale, infrastructure and partnerships with many insurers.
- The longevity (since around 2008) lends credibility in a field where new platforms pop up frequently.
What Does ePojisteni.cz Offer?
At its core, ePojisteni is a price-comparison and brokerage platform for insurance products. It allows users to compare multiple insurers’ offers online and then purchase or arrange the policy online. Here are the main service lines:
- Mandatory vehicle liability insurance (povinné ručení): The standard “third-party liability” insurance for vehicles required by Czech law. ePojisteni emphasises online comparison for this product.
- Comprehensive (havarijní) insurance for vehicles: When you want damage coverage, theft, etc. ePojisteni’s tools help compare this as well.
- Travel insurance: Short-term or long-term travel cover.
- Home / property insurance: For home contents, buildings, liability, etc.
- Life, accident, pet & niche coverages: The portal also lists a variety of other products beyond just vehicle and property.
- Additional financial/utility services: While mainly insurance, the parent group (and website via “Klik”) also offers loan, mortgage, energy comparison.
Key benefits for the user:
- Compare many offers online quickly. ePojisteni says clients can save significantly by using their comparison engine.
- Free service to the user: they do not charge the customer a fee for using the comparison tool. Instead they earn commission from the insurers when a contract is signed.
- Convenience: no need to visit multiple insurer websites or call many agents—everything can be done online in minutes.
Why ePojisteni.cz Stands Out
In the highly competitive Czech market of insurance comparisons, what makes ePojisteni distinguishable?
- Strong market position and brand recognition
Reviews call the platform “one of the most well-known insurance comparators in the Czech Republic”. This gives confidence to users that the brand is established and trusted. - Wide partner network & competitive offers
The platform works with many major insurers: on their own site they list names such as Allianz pojišťovna, Kooperativa pojišťovna, ČSOB pojišťovna, Generali Česká pojišťovna, and more. A broader network means more range of quotes and often better negotiated pricing. - Digitally-driven user experience
The service emphasises quick online quotes and policy issuance. For instance: “Two minutes, a few clicks and you have the result” is how one review described the process of comparing a vehicle policy.
Recently, the brand even launched a television campaign created entirely using artificial intelligence (AI), showing a modern, tech-savvy image. - Transparency and cost-savings claims
The brand claims average savings in the order of thousands of Czech koruna for vehicle liability insurance when switching via their platform.
How Does the Process Work for a User?
Using ePojisteni generally follows these steps:
- Input your details: e.g., for vehicle insurance: vehicle specs, driver data, previous claims etc.
- Receive comparative offers: The system pulls quotes from multiple partner insurers (or uses aggregated rates).
- Select a policy: The user chooses a quote that fits their budget and needs (coverage level, deductible, add-ons).
- Complete the contract online: Often minimal paperwork, digital signature or prompt issuance of documents/email confirmation.
- After-sale and administration: The platform (or partner insurer) handles issuance of policy documents (green card for vehicles if needed), renewal reminders, maybe adviser contact.
- No direct cost for using the comparison: As noted, the service is free to the user; earnings come from insurer commissions.
Important user tips:
- Always verify the exact coverage details (deductibles, exclusions) – price alone should not be the only criterion.
- If you have a claim history, or a specialty vehicle, make sure the quote reflects your actual risk (some comparators show very low base rates but may exclude key features).
- Use the comparison as a decision-aid rather than automatic consumer of the cheapest.
- Ensure that the chosen policy is with a reputable insurer and that you understand how to make a claim when time comes.
Strengths vs. Potential Considerations
Strengths
- Established brand, credible registration and supervision.
- Wide product portfolio.
- Digital convenience.
- Potential for cost savings.
Considerations
- While convenient, such platforms may push phone follow-ups (some users on forums report being called after submitting contact info). > “Insurance price comparison website, I have used https://www.epojisteni.cz/ but just be careful when you provide the phone number, they will call you the next day pushing you to make the insurance.”
- The cheapest quote may not always equal the best value; coverage levels differ.
- If you have complex insurance needs (multiple vehicles, commercial use, international travel) you might still benefit from bespoke advice rather than purely automated comparison.
- Metrics such as website load performance may be variable; for example, one technical metrics site noted slower performance on their site.
The Broader Context: Why Insurance Comparison Is Important
In countries like the Czech Republic, where regulations require mandatory vehicle liability insurance and where many insurers offer overlapping but differing levels of coverage, an online comparison tool can deliver real value. Platforms like ePojisteni.cz harness what we might call “digital market-efficiency” by enabling the consumer to see many offers at once, rather than manually calling each insurer.
According to independent commentary, many users change their policy via such platforms and save a meaningful amount—for example one article estimated average savings around 1,750 CZK for vehicle policies through their service.
In addition, the model fits with broader consumer behaviour trends: demand for convenience, demand for transparency, demand for control of one’s financial products.
Looking Ahead: What for ePojisteni.cz?
Given the recent launch of an AI-generated TV ad campaign (making it the first in the Czech Republic to create a full television spot via AI) the brand is signalling its intention to remain modern and tech-forward.
Potential future directions might include:
- Enhanced mobile-app features (claims management, digital ID/green cash issuance).
- Expanded product lines (e.g., subscription-based insurances, micro-insurance, usage-based vehicle insurance).
- More personalised quote algorithms, leveraging data analytics and customer profiles.
- Possibly expansion into neighbouring markets (Slovakia, Poland) if the parent group opts for cross-border growth.
Final Thoughts
If you are in the Czech Republic and looking for a straightforward, online comparison of your insurance options—especially for vehicles, travel, home or other standard products—ePojisteni.cz is among the top contenders. It combines credibility (registration, long‐standing presence), convenience (real-time online comparisons) and potential savings (wide network, competitive offers).
That said, don’t treat it as a magic fix—take time to evaluate the fine print of any coverage, verify the insurer’s reputation, and ensure the policy meets your needs (not just the lowest premium). A platform like ePojisteni.cz is a valuable tool in your insurance decision-making toolkit—but it doesn’t replace due diligence.