The view from the window motivates us to pack up as quickly as possible and go somewhere where summer is not only one day of the year, but the whole season. Nowadays, it is no longer a problem to plan the entire trip, book and also pay using a mobile phone with an operating system without having to leave the warmth of our home. Now we don't have to worry about anything else, thanks to the project Top-Pojištění.cz you have the opportunity to arrange insurance using the application for iOS and Android in literally a few minutes. You can not only arrange insurance through the application, but also pay and you can go. Let's see how the interesting idea of Czech developers works in practice.
The application offers a simple and clear graphic interface, thanks to which important data stand out and you are so sure that you did not miss an error when filling out the insurance contract in a lot of unnecessary graphics. After starting the application, four basic items appear in the main menu, i.e. Negotiate insurance, My contracts, My templates and Fits. In addition to the items in the menu, you also have the option to start a presentation video that guides you through the entire process of purchasing insurance. There is also a telephone symbol in the main menu, thanks to which you can immediately call telephone support. This option is a big plus for developers, as it is a step that instills more trust in users and the feeling that you are not giving your data to a completely unknown person.
Arranging insurance is very simple, you just need to fill in the data about when and where you are leaving and when you are returning. It is important that you can arrange the insurance on the day of departure. If you pay it on the day of departure, the insurance is valid immediately. You then fill in the information about the type of trip and whether you plan to practice some risky sports. You fill in information about your age and whether you and your traveling companion form a family. It is nice, for example, that if you fill in the age under 26, you can also automatically choose whether you are a student or not. Once all the items have been filled in, you can now choose what you want to insure, i.e. whether you will also use Accident Insurance in addition to Medical Expenses and Assistance Services, or whether you will insure luggage and liability for damages that you are going to cause in the hotel. Of course, you also have the option of insuring trip cancellation, which is calculated from the specified trip amount.
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At the moment when all the items are filled in, on the server Top-Pojištění.cz the offers of all insurance companies with which the portal cooperates are automatically selected, and you simply choose the one that best meets your requirements. Since there are ten insurance companies on offer, you have an instant comparison. You can immediately see the price of the given insurance, but also, for example, the amount of payment in case of reimbursement of medical expenses and so on. Once you have chosen an insurance company and type of insurance, you only need to fill in your personal data, which is already sent directly to the insurance company. You will then make the payment directly using the payment system. As soon as it is paid, a contract confirming that you are insured will also be sent to your email immediately. The contract can also be ordered with an additional payment. However, watch when you leave. The contract is valid only after its payment.
Once you have created the insurance, you will also receive a password and a login name, under which you can find all agreed contracts directly in the application or on the Top-pojištění.cz website. It is even possible to pay for the insurance immediately after logging in. Another interesting feature is the possibility to create a template, so if you travel somewhere regularly, you no longer have to enter all the data, but only always adjust the date of the trip. The application is connected directly to the website, so all information can also be found on the official website after logging in Top insurance website.
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What is quite a shame is the fact that you cannot read the terms and conditions of a specific insurance beforehand, but you will only find them in the email with the contract. I understand that the vast majority of clients will not read this contract, but I simply miss this option and I believe that the developers will add it. The item in the Suitable menu is also nice, where you can immediately see the weather in the destination you are planning to go to, the current exchange rate with the option of converting the amount you have entered, and also important phone numbers that you can call directly from the application. Insurance is definitely a good thing and even if you do not have to agree with our insurance companies to pay compensation in higher amounts, you can be sure that you will not receive a bill from the hospital for several million crowns, but the insurance company will take care of medical expenses or other bills. The application is one of those useful in App Store and you can arrange insurance literally on the plane before departure.
