Operating leasing and car insurance: how protection works in practice

Car insurance is one of those topics that most people only become aware of when a problem arises. Car insurance is one of the main differences between operating leases and car ownership. This article explains how insurance is handled in an operating lease, what it covers, what situations it covers and why this model is considered a clearer and safer way to use a vehicle.

The aim is to show the differences, realistic scenarios and expectations without unnecessary myths or confusion.

Why insurance for operating leases is a separate topic

When owning a car, the driver usually deals with insurance individually. The choice of the insurance company, the scope of cover and the communication in the event of a claim are entirely on the driver's shoulders.

With an operating lease, the approach is different:

insurance is part of the leasing solution,
the terms and conditions are set in advance,
the scope of cover is uniform and clear,
there is a clear process for dealing with claims.

This significantly changes the overall user experience.

What types of insurance are standard in an operating lease

Compulsory contractual insurance

The basis is always the PPL, which covers damages caused to third parties. For operating leases:

automatically included,
valid for the entire term of the contract,
without the need for a separate solution.

The user does not have to worry about its renewal or changes.

Collision insurance

Collision insurance is one of the main differences from cheaper individual solutions.

It usually covers:

Damage to the vehicle in an accident,
vandalism,
theft,
the elements and unforeseeable events.

Coverage is set to protect both the vehicle and the user.

How an insurance claim is handled in practice

When an accident or damage to a car occurs, speed and clarity of action play a key role. Operational leasing has standardised processes.

A typical procedure includes:

Reporting the incident as instructed,
contacting the assistance service,
coordinating repairs through the contracted service,
communication with the insurance company without user intervention.

The user thus avoids the administrative merry-go-round.

Assistance services as part of insurance protection

Assistance is usually part of the insurance package for operating leases, which is of great importance in practice.

Assistance usually includes:

breakdown assistance,
towing of the vehicle,
a replacement vehicle,
assistance at home and abroad.

According to European statistics, more than 40% of drivers will use roadside assistance at least once in the lifetime of their vehicle.

User participation and responsibility

Even with operating leases, there is a degree of user responsibility. This is most often the deductible.

It is important to know:

the amount of the deductible upfront,
in which situations it applies,
when it does not apply (e.g. third party insurance cover).

Transparent deductible settings reduce unpleasant surprises.

The difference between leasing and car insurance

With own car

Individual choice of insurer
Different quality of cover
separate communication in case of damage
risk of underinsurance

For operating leases

uniform and comprehensive cover
clear claims procedure
professional claims management
less stress and uncertainty

This difference is the reason why people perceive operating leases as a safer model.

Insurance and driving abroad

Insurance cover for operating leases is usually valid outside Slovakia, especially within the EU.

This means:

a valid green card
assistance abroad
the same accident procedure

For people who travel, this is an important element of security.

How Payless Gigarent approaches insurance

Payless Gigarent treats insurance as an integral part of the operating lease service. Clients are clear from the outset what is covered, what the claims process is and who to contact in the event of a problem.

The emphasis is on:

comprehensive cover
easy communication
quick resolution of claims

Frequently asked questions

Is insurance compulsory for operating leases?
Yes, insurance is part of the leasing solution.

Can I choose my own insurance company?
Usually no, the insurance is centrally arranged by the provider.

What if I cause an accident?
The insurance conditions are followed and the solution is coordinated by the provider.

Does the insurance also apply abroad?
Yes, in the countries listed on the green card.

Do I have to communicate with the insurer myself?
In most cases no, the process is managed centrally.

Insurance is an integral part of the operating lease
Coverage is more comprehensive than with conventional solutions
Insurance claims have a clear and fast progression
Assistance services increase the feeling of security
The user avoids complex communication with insurance companies

Operational leasing changes the way we look at car insurance - it becomes an automatic part of the service from an obligation. If you are looking for a solution where vehicle protection is handled systematically and without chaos, operating leasing is a model that thinks ahead and also takes unexpected situations into account.

Operational leasing and car insurance