Insurance and car loans

We are long-standing brokers of the ESSOX and INSIA network (the first largest network in Central and Eastern Europe), which has already provided insurance to tens of thousands of clients.
Take advantage of the professional services we can offer you thanks to our long experience.
We closely monitor the promotions and discounts of all insurance companies that offer car insurance and use them to the benefit of our clients.

We offer insurance services with the following insurance companies

Allianz
Uniqa
The Co-operative
Generali Czech Insurance Company
CPP
ČSOB Insurance Company
Direct Insurance Company
HP Fire Insurance Company
Pillow
Slavia insurance company

ESSOX - Consumer Finance

It is one of the most important providers of non-bank financial services. They provide car loans, consumer goods financing, non-purpose cash loans and credit cards to our clients.

Compulsory liability

Compulsory third party insurance, or vehicle liability insurance, is the basic insurance for every car or motorcycle, but also for a trailer.

The price is often considered the most important parameter for buying compulsory liability insurance. However, currently the range of additional services for compulsory liability insurance varies significantly between insurers.It is worth mentioning, for example, assistance services, insurance against natural events (hail, flood), accident insurance or, for example, collision insurance. Last but not least, glass insurance.

Casualty insurance

Traffic accidents with more or less damage to cars are unfortunately a common part of today’s traffic. Most of you have also personally encountered car theft, vandalism or theft of parts or things from your vehicle. It is for these cases that collision insurance is there to provide compensation in cases of:

when we cause damage to the car ourselves (accidents only),
the car is damaged intentionally, stolen or stolen completely (theft, vandalism),
the car is damaged by a natural event (fire, windstorm, hail, flood, etc.).

In addition to these basic types of insurance, you can also take out additional insurance – for example, glass insurance, luggage insurance or hire of a replacement vehicle.

Our partners are

leasing of Česká spořitelna
Raiffeisen leasing
UniCredit Leasing
ESSOX – Consumer Finance

Contact us

We will be happy to provide you with further information or prepare an offer.

jan.kubista@deczman.cz

+420 731 739 870

Loan, finance lease and operating lease

On all imported vehicles

Credit

The financed item is your property.
For consumers, we offer consumer credit.
As an entrepreneur or company, you charge depreciation as a fully deductible tax expense and deduct VAT on the purchase price in a lump sum at the start of the financing.
The loan repayment is not subject to VAT.
Possibility of insuring the object in installments.

Financial leasing

At the end of the financing, you have a right of first refusal to purchase the financed item at a pre-agreed price.
As an entrepreneur or company, you charge the repayments as a fully deductible tax expense.
Depreciation of the subject of financing is carried out by the leasing company.For you, the lease is an off-balance sheet item.
The minimum repayment period depends on the depreciation group of the subject of financing.
Possibility of insuring the object in installments.

Operating lease with purchase of the object at
end (by the client or another party)

At the end of the financing, you have a right of first refusal to purchase the financed item at a pre-agreed price.
As an entrepreneur or company, you charge the repayments as a fully deductible tax expense.
Depreciation of the subject of financing is carried out by the leasing company.For you, the lease is an off-balance sheet item.
The minimum repayment period depends on the depreciation group of the subject of financing.
Possibility of insuring the object in installments.

Operational leasing with
services for cars and fleets

We provide the product to entrepreneurs and companies for passenger cars and commercial vehicles up to 3.5 t (also for small fleets starting from 1 company car)
A number of optional services related to the operation of the financed vehicle are included in the regular monthly instalments.
The repayments are a fully deductible tax expense.
As a rule, you do not pay a down payment.
At the end of the lease term, when you are using the vehicle without worry, you simply return the vehicle to us.
Financing period from 24 to 60 months.
Non-stop assistance.

ESSOX - Consumer Finance

It is one of the most important providers of non-bank financial services. They provide car loans, consumer goods financing, non-purpose cash loans and credit cards to our clients.