Casco (own-damage car insurance) — Croatia

[1] Own damage: Covered ↩

Covers damage to or loss of the insured vehicle arising from sudden, short-term events independent of the insured's or driver's will, including traffic accidents, theft or unauthorized use, vandalism, impact, fire and explosion, natural forces (lightning, rockslide, landslide, avalanche, snow pressure, hail, storm), flood-type perils, animal damage, sudden chemical/thermal effects, and demonstrations. The insurer's maximum liability cannot exceed the premium calculation basis (sum insured) stated on the policy.

Kasko osiguranje vozila pokriva oštećenja i/ili gubitak vozila koji nastanu kao posljedica iznenadnih, kratkotrajnih i o osiguranikovoj ili vozačevoj volji neovisnih događaja, prouzročenih ostvarenjem osiguranih rizika: prometne nesreće krađe ili neovlaštene uporabe vozila vandalizma udara u vozilo požara i eksplozije

[2] Total loss: Covered ↩

Total loss exists when the vehicle is destroyed, has disappeared through theft/unauthorized use and is not found within 1 month, or repair costs reach 75% or more of the market value (economic total loss). Base indemnity equals the replacement value of an equivalent vehicle, minus salvage value and deductible. For extra premium (15% surcharge), cover can be extended to pay 100% of the purchase price within 12 months of first registration, or to GAP cover (also 15% surcharge) that additionally reimburses the outstanding leasing/credit balance, up to 120% of the vehicle's market value.

Totalna šteta postoji ako je uslijed ostvarenog osiguranog slučaja/događaja: vozilo uništeno; vozilo nestalo uslijed krađe ili neovlaštena korištenja... ili ako su procijenjeni troškovi dovođenja vozila u prvobitno stanje jednaki ili veći od 75% tržne vrijednosti vozila (ekonomska totalna šteta).

[3] Partial loss: Covered ↩

For partial damage, the established repair cost is reduced by the market value of parts replaced (with proration for new tires, batteries and tarpaulins), including demounting, mounting and transport costs; costs relating to technical improvements or increases in vehicle value are not reimbursed.

U slučaju kada je na vozilu nastala djelomična šteta, utvrđeni iznos troškova popravka umanjuje se za tržišnu vrijednost dijelova koji se zamjenjuju. U trošak popravka uračunavaju se i troškovi demontiranja, montiranja i mogući troškovi prijevoza dijelova.

[4] Theft & robbery: Covered ↩

Covers theft or unauthorized use of the vehicle; the insured event is deemed to occur once 30 days have passed from the police report of the theft without the vehicle being found. A separate optional extension (extra premium) covers theft of portable technical/electronic devices from the vehicle during a break-in to a locked M1-category vehicle, up to a maximum of €1,500 per claim, provided the items were not visible from outside.

U slučaju krađe ili neovlaštene uporabe vozila dospijeće ne nastupa prije isteka 30 (trideset) dana od dana prijave osiguranog slučaja (točka E/5.2).

[5] Glass damage: Conditional ↩

Full (Puno) kasko does not list glass/light breakage as a stand-alone named peril; window, windscreen or mirror damage is indemnified only when it results from a peril otherwise covered under Puno kasko (e.g. traffic accident, hail, vandalism, falling object). A separately branded, parking-only 'Djelomično kasko' product (not covered by this record) provides cause-agnostic glass and light breakage cover regardless of cause.

[6] Natural perils: Covered ↩

Covers direct lightning strike, rockslide, rockfall, landslide, avalanche, snow pressure, hail and storm (wind speed above 62 km/h), as well as torrents, water discharge, high/underground water and flooding. Earthquake damage is excluded by default but can be added as an optional extension for a 2% premium surcharge (minimum €30).

djelovanja prirodnih sila: izravno djelovanje groma, odrona stijene, pada stijene, klizanja tla, lavine, pritiska snijega, tuče, oluje (vremenski povezano kretanje zraka više od 62 km/h)

[7] Vandalism: Covered ↩

Malicious damage to or destruction of the insured vehicle caused by a third party is covered as a standard named peril under Puno kasko.

vandalizma

[8] Roadside assistance: €1,000 – €2,000 ↩

Adriatic reimburses the cost of extracting, towing or transporting the damaged vehicle to the nearest repair shop, capped at €1,000 for passenger cars and motorcycles and €2,000 for other vehicle types, unless otherwise agreed. This cap can be removed entirely via an optional extension (unlimited towing/recovery costs) for a 20% premium surcharge.

troškove izvlačenja, vuče ili prijevoza oštećenog vozila do najbliže radionice radi privremenog ili konačnog popravka za osobna vozila i motocikle najviše do 1.000,00 €, a za ostala vozila najviše do 2.000,00 €

[9] Replacement vehicle: See details ↩

No replacement or courtesy vehicle benefit is mentioned in any of the reviewed sources; the T&C explicitly excludes 'the cost of a replacement vehicle' from indemnifiable items.

trošak zamjenskog vozila.

[10] Driver accident: See details ↩

No driver personal-accident benefit is part of this kasko product in the reviewed sources; personal accident cover is offered by Adriatic as a separate 'Nezgoda' insurance line, not bundled into casco.

[11] Own damage: 100% of insured sum ↩

Covers damage to the vehicle, its parts and equipment from unforeseen sudden events such as collision, veering off the road, rollover, falling objects, or damage in a parking lot. Maximum payout equals the insured sum (vehicle's market value). Only available in the Max package.

Pokrivamo štetu na vašem vozilu, njegovim dijelovima i opremi nastalu kao posljedica nepredviđenih i iznenadnih događaja kao što su: • sudar • udar, izlijetanje s ceste ili prevrtanje • pad vozila ili predmeta na vozilo • štete na parkiralištu

[12] Total loss: 100% of insured sum ↩

In case of total loss (destruction or theft), the payout equals the vehicle's actual value immediately before the loss (new price less depreciation) minus the market value of salvage. Available whenever a contracted casco peril (Plus/Extra/Max) causes total loss. Under the Max package's GAP add-on (vehicle no older than 6 months at inception, valid until vehicle reaches 2 years of age), the new-vehicle price is paid without depreciation deduction.

U slučaju totalne štete (krađe ili uništenja vozila), visina štete utvrđuje se prema vrijednosti osiguranog vozila neposredno prije štete umanjenoj za tržišnu vrijednost ostatka osiguranog vozila.

[13] Partial loss: 100% of insured sum ↩

For partial damage under a contracted casco peril, the payout is based on repair costs in Croatia, agreed via paid invoices or settlement. Depreciation is deducted for periodically replaced parts (tyres, batteries, tarpaulins, exhaust systems, catalytic converters, soft folding roofs, LPG equipment) and for audio/video/telecom equipment based on age.

U slučaju djelomične štete, tj. oštećenja osiguranog vozila, visina štete utvrđuje se prema visini troškova popravka u Republici Hrvatskoj.

[14] Theft & robbery: 100% of insured sum ↩

Covers theft of a locked vehicle, theft of parts/equipment, theft of items inside the vehicle, and damage from theft or attempted theft. Excludes cases where a household member of the policyholder participated (unless the policyholder is legally responsible for that person, e.g. a minor child), and excludes audio/video/telecom equipment stolen without evidence of forced entry.

Osigurani ste u slučaju: • krađe zaključanog vozila, krađe dijelova i/ili opreme vozila • krađe stvari u vozilu • oštećenja vozila nastalog kao posljedice krađe ili pokušaja krađe vozila, njegovih dijelova ili stvari unutar vozila.

[15] Glass damage: Conditional ↩

Covers repair, or replacement if repair is not possible, of the windscreen, side/rear windows, or sliding/fixed sunroof due to accident, natural disaster, falling/thrown objects, theft, vandalism, or damage caused by animals to parked vehicles. Repair is preferred over replacement where feasible; light and mirror glass is excluded. The deductible does not apply when the glass is repaired rather than replaced.

U slučaju oštećenja vjetrobranskog stakla, bočnog ili stražnjeg stakla, staklenog pomičnog ili nepomičnog krovnog otvora osiguranog vozila, nadoknadit ćemo trošak popravka ili zamjene stakla u slučaju nemogućnosti popravka za štete nastale zbog:

[16] Natural perils: 100% of insured sum ↩

Covers damage from flood, torrent or high water, storm, landslide or avalanche, hail, lightning strike, mechanical action of water or objects carried by water, and earthquake. Rain or snow damage occurring immediately after such damage is also covered. Damage from long-term atmospheric effects (e.g. faded paint, rusting) is excluded.

Osigurano je vozilo od šteta uzrokovanih sljedećim prirodnim nepogodama: • poplavom, bujicom ili visokom vodom • olujom • klizanjem tla ili snježnom lavinom • tučom • udarom groma

[17] Vandalism: 100% of insured sum ↩

Covers malicious acts by a third party causing damage or destruction of the vehicle, e.g. scratching with a sharp object, paint thrown on the vehicle, or graffiti. Damage that cannot be clearly attributed to a malicious third-party act (e.g. isolated scratches or unknown-vehicle parking contact) is excluded, as is damage caused by the policyholder's own household members (unless the policyholder is legally responsible for that person).

Vandalizam je zlonamjerni čin treće osobe kojim je prouzročeno oštećenje i/ili uništenje vozila kao što je npr. natpis na vozilu, grebanje oštrim predmetom, bacanje boje na vozilo.

[18] Roadside assistance: Covered ↩

Basic assistance (included in Comfort) covers on-site repair up to 1 hour, towing to the nearest partner workshop within 20 km, transport of persons up to 50 km, and information services; battery-related callouts are limited to 2 per policy term, other cases unlimited. Extended assistance (Plus/Extra/Max) increases towing to 150 km or a chosen destination, and adds replacement vehicle, hotel accommodation (up to 3 nights, EUR 75/night/person), transport home, tyre replacement, fuel delivery, transport of remains, return trip for a recovered stolen vehicle, wreck disposal (up to EUR 125) and transport of persons up to 100 km.

U slučaju kvara koji je posljedica ispražnjenog akumulatora ili ispražnjene baterije električnog vozila pokrivamo trošak dviju asistencija za vrijeme trajanja osiguranja.

[19] Replacement vehicle: Conditional ↩

Provided under extended roadside assistance (Plus/Extra/Max) when the vehicle cannot be repaired the same day. A vehicle one class below the insured vehicle (but not above mid-class, e.g. VW Golf) is provided for 6 days in cases of accident/damage/vandalism/theft, or 4 days (usable twice per policy year) for breakdown, wrong fuel or lockout. For insured EV/hybrid vehicles, a replacement EV/hybrid is arranged subject to availability, not above mid-class.

Pokrivamo troškove najma zamjenskog vozila koje je za jednu klasu niže od klase osiguranog vozila, ali ne više od srednje klase (npr. Volkswagen Golf).

[20] Driver accident: Covered ↩

Covers the driver and passengers for death or permanent disability caused by a traffic accident. The insured sum for death and for permanent disability is stated individually on the policy; the extended version (Plus/Extra/Max) provides increased insured sums compared to the basic cover included in Comfort.

Osiguranje za vozača i putnike pokriva: • smrt zbog prometne nezgode • trajni invaliditet koji je nastao kao posljedica prometne nezgode.

[21] Own damage: Covered ↩

Full casco (Puni kasko) covers all risks that may cause damage, destruction or disappearance of the insured vehicle that are not excluded by law, contract or these terms; the insurer's liability per insured event cannot exceed the sum insured, i.e. the vehicle's market value at the time the contract was concluded.

Iznos osiguranja – iznos do kojega je stvar odnosno imovinski interes osiguran i koji predstavlja gornju granicu obveze osiguratelja po jednom osiguranom slučaju, a koji predstavlja tržišnu vrijednost vozila prilikom sklapanja ugovora.

[22] Total loss: Covered ↩

Total loss (vehicle destroyed, or repair uneconomical/technically impossible, or repair cost equal to or exceeding 75% of market value) is indemnified based on the vehicle's value immediately before the loss, minus the market value of the remains; the insurer's liability cannot exceed the premium calculation basis on the policy.

Kod totalne štete (uništenja ili krađe vozila) prema vrijednosti vozila u trenutku utvrđivanja visine štete, umanjenoj za tržišnu vrijednost ostatka vozila, a prema stanju vozila neposredno prije štete.

[23] Partial loss: Covered ↩

Partial damage is indemnified based on the cost of repair (including assembly/disassembly), reduced by the market value of replaced parts' remains; the amount may be agreed based on paid repair invoices or a settlement between the insured and CROATIA.

Kod djelomičnih šteta prema visini troškova popravka, umanjenoj za tržišnu vrijednost ostataka dijelova koji se zamjenjuju. U trošak popravka računaju se troškovi demontiranja i montiranja.

[24] Theft & robbery: Covered ↩

Full casco covers theft, aggravated theft, robbery and unauthorized taking of the vehicle. Cover for theft-related damage is excluded if the vehicle was not locked or theft was otherwise facilitated, and claims must be reported to the police immediately.

krađe vozila

[25] Glass damage: Covered ↩

Full casco covers breakage and damage of standard-fitted glass on the vehicle (excluding light and mirror glass, which is covered separately). This risk is also available as a standalone 'Lom stakla' partial casco combination.

loma i oštećenja standardno ugrađenih stakala na motornom vozilu

[26] Natural perils: Covered ↩

Full casco covers fire, lightning strike, explosion, storm, hail, avalanche, aircraft crash, flood, torrent or high water (the 'Viša sila' risk group). Earthquake damage, including consequential damage caused by an earthquake, is explicitly excluded.

Viša sila - Požar, udar groma, eksplozija, oluja, tuča, snježna lavina, pad zračne letjelice, poplava, bujica ili visoka voda.

[27] Vandalism: Covered ↩

Full casco is an all-risk cover (Art. 4) and vandalism is not among the listed exclusions; Art. 9(4), covering dealer-stock vehicles, explicitly names vandalism as a risk that is excluded only during test drives, confirming it is otherwise covered under full casco.

Za vrijeme probne vožnje isključen je rizik krađe, provalne krađe, razbojstva i vandalizma.

[28] Roadside assistance: Optional ↩

Available only as an add-on combination contracted together with full casco: 'Vuča' covers towing, recovery and transport of a passenger car to the nearest workshop or the insured's residence, up to €926.06 per claim; 'Vuča+' covers the same for other vehicles (excluding passenger cars) up to €1,990.84 per claim.

Pokriva troškove vuče i izvlačenja odnosno prijevoza osobnog automobila do najbliže radionice ili do mjesta prebivališta/sjedišta osiguranika, ako vozilo nije u voznom stanju zbog nastanka osiguranog slučaja ili dokazanog kvara, do 926,06 €.

[29] Replacement vehicle: Optional ↩

Optional add-on combination available only together with full casco: covers the rental cost of a replacement passenger or commercial vehicle (up to 3.5t, similar engine size up to 2,000cc) for the time needed to repair the insured vehicle, up to a maximum of 10 rental days, provided the repair is done at an authorized partner service; not available to businesses that rent out vehicles.

Zamjensko vozilo - Trošak najma osobnog ili teretnog vozila do 3,5 tone najveće dopuštene mase približno iste zapremine motora kao i kod osiguranog vozila, a najviše do 2.000 ccm... Naknađuje se trošak najamnog dana, ali najviše do 10 dana.

[30] Driver accident: See details ↩

No driver accident/personal injury benefit is mentioned in the reviewed Terms and Conditions or IPID for full casco.

[31] Own damage: Covered ↩

Under PUNO (full) casco, damage from traffic accidents and external impacts to the vehicle in motion or at rest is covered (Article B.4(1) items 1.1 and 1.4). Compensation is based on the vehicle's purchase/replacement value, less any agreed deductible.

1.1. prometne nesreće (33) (24) 1.4. udara u vozilo (41)

[32] Total loss: Covered ↩

A total loss exists when the vehicle is destroyed, disappears (theft not recovered within 30 days), or estimated repair costs equal/exceed 75% of market value (Article E.2). EUROHERC pays the replacement value of an equivalent vehicle minus deductible and salvage value. If additionally agreed (with 8% premium surcharge), a total loss within 12 months of first registration is compensated at 100% of the original purchase price (new-value compensation), for M1/N1 vehicles excluding increased-risk vehicles.

EUROHERC u slučaju totalne štete nadoknađuje onaj novčani iznos koji bi osiguranik imao da nabavlja vozilo iste vrste i kvalitete u istom stanju istrošenosti u vrijeme nastanka osiguranog slučaja (vrijednost zamjene vozila), umanjen za iznos ugovorenog samopridržaja (franšize) i umanjen za iznos nadoknadive vrijednosti ostatka olupine odnosno ostatka vrijednosti.

[33] Partial loss: Covered ↩

Where repair is technically feasible and economically justified, EUROHERC covers repair costs, reduced by the market value of replaced parts; dismantling, assembly and transport of parts are included. No amortization deduction applies except for new tyres, batteries or tarpaulins (Article E.3).

U slučaju kada je na vozilu nastala djelomična šteta, utvrđeni iznos troškova popravka umanjuje se za tržišnu vrijednost dijelova koji se zamjenjuju. U trošak popravka uračunavaju se i troškovi demontiranja, montiranja i možebitni troškovi prijevoza dijelova.

[34] Theft & robbery: Covered ↩

Both PUNO and DJELOMIČNO casco cover theft, aggravated theft, robbery and unauthorized use of the vehicle (Article B.4(1).1.2 and B.4(3).3.8). The vehicle is deemed stolen if it is not found within 30 days of reporting to the police. Optional add-on: theft of technical/electronic devices in M1-category vehicles via forced entry, up to €1,327.23 (HRK 10,000, pre-euro 2019 terms) per claim.

1.2. krađe ili neovlaštene uporabe vozila (9) (14)

[35] Glass damage: Covered ↩

Under DJELOMIČNO (partial) casco, breakage of windscreen, side or rear glass and sunroof glass is covered regardless of cause (Article B.4(3).3.4), as is breakage of lights and mirrors (3.5). Under PUNO (full) casco, glass breakage is only compensated as a consequence of a named covered peril (e.g. impact, traffic accident), since risks not listed on the policy are deemed uninsured (Article B.4(4)).

3.4. loma stakla - svaki lom i/ili oštećenje vjetrobranskog, bočnog ili stražnjeg stakla, staklenog pomičnog ili nepomičnog krovnog otvora osiguranog vozila bez obzira na uzrok, osim stakala na svjetlima i zrcala (11)

[36] Natural perils: Covered ↩

PUNO casco covers direct lightning strike, rockfall, landslide, avalanche, snow pressure, hail, and storm (wind over 62 km/h), plus torrents, water outflow, floods and high/underground water (Article B.4(1).1.6-1.7). DJELOMIČNO casco covers only lightning and hail (Article B.4(3).3.9).

1.6. djelovanja prirodnih sila: izravno djelovanje groma, odrona stijene, pada stijene, klizanja tla, lavine, pritiska snijega, tuče, oluje (vremenski povezano kretanje zraka više od 62 km/h)

[37] Vandalism: Covered ↩

Malicious damage or destruction of the insured vehicle by a third party is covered under both PUNO (Article B.4(1).1.3) and DJELOMIČNO (Article B.4(3).3.3) casco.

1.3. vandalizma (45)

[38] Roadside assistance: Covered ↩

EUROHERC covers towing/recovery of the damaged vehicle to the nearest workshop for temporary or final repair, up to €995.42 (HRK 7,500, pre-euro 2019 terms) for passenger cars and motorcycles, and up to €1,990.84 (HRK 15,000) for other vehicles (Article E.5(1).1.1). This limit can be upgraded to unlimited coverage of these costs for an additional 10% premium surcharge (Article J.6(1).1.4).

troškove izvlačenja, vuče ili prijevoza oštećenog vozila do najbliže radionice radi privremenog ili konačnog popravka za osobna vozila i motocikle najviše do 7.500,00 kn, a za ostala vozila najviše do 15.000,00 kn

[39] Replacement vehicle: Excluded ↩

The cost of a replacement/rental vehicle is explicitly excluded from coverage under this casco insurance (Article G.3(1).1.6).

1.6. trošak zamjenskog vozila

[40] Driver accident: See details ↩

No provision for driver/passenger personal accident cover was found within these motor casco terms; such cover is typically offered under a separate accident insurance product.

[41] Own damage: 100% of insured sum ↩

Full casco covers destruction, damage or disappearance of the insured vehicle resulting from sudden events independent of the insured's or driver's will (collision, fire, explosion, lightning, storm, hail, falling objects, vandalism, etc.). The insurer's maximum liability per insured event is the sum insured stated on the policy.

IZNOS OSIGURANJA – najviši iznos obveze osiguratelja po jednom osiguranom slučaju; ... OSNOVICA ZA OBRAČUN PREMIJE – novonabavna vrijednost vozila koje se osigurava;

[42] Total loss: 100% of insured sum ↩

In case of destruction or disappearance of the vehicle, indemnity is based on the vehicle's value at the time of assessment less the market value of any remaining parts and the agreed/obligatory deductible, using the new-vehicle purchase price on the date of loss reduced for depreciation. The insured sum entered on the policy is the upper limit of the insurer's liability.

[43] Partial loss: 100% of insured sum ↩

For partial damage, indemnity equals the cost of repair (including dismantling/reassembly) less the market value of replaced residual parts; no depreciation deduction applies to new tyres, batteries, exhaust parts, tarpaulins, fluids and similar wear parts fitted as replacements.

[44] Theft & robbery: 100% of insured sum ↩

Full casco covers theft, burglary theft, robbery and unlawful taking of the vehicle for use in driving; a vehicle is deemed stolen if not found within 30 days of reporting to the police. Coverage is excluded if a 'theft risk exclusion' premium discount was applied on the policy, and rights are lost if the vehicle was not properly locked/closed at the time of theft.

[45] Glass damage: 100% of insured sum ↩

Covers damage to standard factory-fitted glass on the vehicle (excluding light, mirror and panoramic-roof glass) arising from the perils listed for full casco; can also be purchased as a standalone partial-casco clause (STAKLA) with a limit equal to the insured sum on the policy.

[46] Natural perils: 100% of insured sum ↩

Full casco covers lightning, explosion, storm (wind over 17.2 m/s), hail, snow/ice falling from objects or vegetation and avalanche, aircraft impact, flood, torrent and high water; can also be purchased as the standalone Djelomični kasko PRIRODNE NEPOGODE clause. Earthquake damage is explicitly excluded.

[47] Vandalism: 100% of insured sum ↩

Full casco covers malicious acts or wilful misconduct of third parties causing damage to the insured vehicle.

[48] Roadside assistance: Optional ↩

Available as a supplementary risk offering organisational or financial help in the event of breakdown, traffic accident, lost keys or running out of fuel; scope depends on the package chosen and is available 24/7 via phone.

[49] Replacement vehicle: Excluded ↩

Under the current casco terms (103-0133), the insurer is not obliged to reimburse the cost of a replacement vehicle unless separately agreed; this is explicitly listed among costs the insurer does not cover.

[50] Driver accident: Optional ↩

Optional supplementary risk paying agreed amounts in case of disability or death resulting from a traffic accident; cover is excluded if the accident results from attempted or completed suicide.

[51] Own damage: Covered ↩

Full casco covers damage to the insured vehicle resulting from traffic accidents, including cases where the policyholder is at fault.

Punim kasko osiguranjem vozila obuhvaćena je osiguravateljna zaštita osiguranog vozila i/ili njegovih sastavnih dijelova nastankom sljedećih rizika: prometna nezgoda

[52] Total loss: Covered ↩

Coverage is provided for destruction of the insured vehicle (total loss) resulting from covered perils such as accident, theft, fire, or natural events; the exact sum-insured basis for compensation was not stated in the reviewed documents.

Punim kasko osiguranjem vozila obuhvaćena je osiguravateljna zaštita osiguranog vozila i/ili njegovih sastavnih dijelova nastankom sljedećih rizika: prometna nezgoda krađa, razbojnička krađa ili protupravno oduzimanje vozila na motorni pogon

[53] Partial loss: Covered ↩

Partial damage to the vehicle arising from covered perils (accident, theft-related damage, fire, weather events) is covered under full casco; specific compensation limits were not stated in the reviewed documents.

požar direktni udar groma eksplozija, osim eksplozije nuklearne energije

[54] Theft & robbery: Covered ↩

Covers theft, robbery theft, and unlawful taking of motor vehicles, excluding motorcycles unless otherwise agreed.

krađa, razbojnička krađa ili protupravno oduzimanje vozila na motorni pogon, osim motocikala, ako se drugačije ne ugovori

[55] Glass damage: Optional ↩

Glass breakage cover (breakage/damage to standard vehicle glass, excluding lights and mirrors, and damage from collision with wildlife or domestic animals) can be additionally contracted alongside full casco taken out with GRAWE; it is not automatically included in the base full casco cover.

Pokriva štete na vozilu od loma i oštećenje standardno ugrađenih stakala na vozilu, osim stakala na svjetlima i zrcalima, kao i šteta na vozilu koja je izravno nastala sudarom s divljači ili domaćim životinjama u trenutku sudara.

[56] Natural perils: Covered ↩

Covers vehicle damage from fire, flooding, storms and hail, including damage caused by falling trees or road signs due to storms.

Pokriva štetu na vozilu od požara, poplave, oluje i tuče. To uključuje, primjerice, štetu uzrokovanu padom drveća na automobil ili prometnih znakova zbog oluje.

[57] Vandalism: Covered ↩

GRAWE's product marketing states that kasko insurance protects the vehicle against high repair or replacement costs in cases of accident, theft, fire, weather events, or vandalism.

Bez obzira vozite li novo ili starije vozilo, kasko Vas štiti od visokih troškova popravka ili zamjene vozila u slučaju nezgode, krađe, požara, vremenskih nepogoda ili vandalizma.

[58] Roadside assistance: Optional ↩

Roadside assistance (GRAWE MOBIL, delivered via ORYX Assistance) is contracted as an add-on to the MTPL and/or casco policy, and is not part of the base full casco cover; a 24/7 service center supports breakdowns, accidents and other roadside problems in Croatia and Europe.

GRAWE MOBIL pruža zaštitu Vama i Vašim suputnicima u slučaju kvara, nezgode ili bilo kakvog drugog problema na cesti. Ugovara se kao dodatak uz obvezno i/ili kasko osiguranje, a namijenjen je svima koji putuju u Hrvatskoj i Europi.

[59] Replacement vehicle: Optional ↩

GRAWE Drugi Auto is a separate add-on providing a replacement vehicle while the insured car is being repaired following a covered claim; it is delivered via ORYX Assistance and is not automatically included in the base full casco cover.

Drugi Auto je usluga ORYX Asistencije koja omogućuje besplatno korištenje zamjenskog vozila u slučaju prometne nezgode.

[60] Driver accident: Optional ↩

Voluntary accident insurance for the driver and passengers (GRAWE AUTO nezgoda) can be contracted alongside the MTPL policy and the casco policy, but is a distinct, separately-priced add-on rather than a component of the base full casco cover.

Dokumenti s informacijama o proizvodu osiguranja koji se kao dodatno osiguranje mogu ugovoriti uz Kasko osiguranje cestovnih vozila objavljeni su na mrežnim stranicama: […] Osiguranje vozača i putnika od posljedica nesretnog slučaja

[61] Own damage: 100% of insured sum ↩

The insurer indemnifies established damage in full, up to the value of the insured vehicle or the insured amount stated in the policy (novonabavna vrijednost).

[62] Total loss: 100% of insured sum ↩

A loss is treated as total when repair is economically unviable, technically unfeasible, or repair costs equal or exceed 70% of the vehicle's actual value on the date the loss is assessed; indemnity is based on the vehicle's value immediately before the loss, less salvage value.

Ako se osigurani slučaj dogodio zbog ostvarenja rizika krađe ili je nastala totalna šteta, visina osigurnine utvrđuje se na način da se vrijednost vozila neposredno prije oštećenja umanji za: - tržišnu vrijednost ostataka osigurane stvari, uzimajući u obzir stanje te stvari neposredno prije nastanka osiguranog slučaja

[63] Partial loss: 100% of insured sum ↩

Damage that is not total loss is indemnified on the basis of repair cost, less the value of replaced-part residuals, including disassembly, reassembly and transport costs, subject to any deductible.

Kod oštećenja predmeta osiguranja na kojem je nastala djelomična šteta, visina osigurnine utvrđuje se na osnovi: - stvarnih troškova popravka vozila, umanjeno za tržišnu vrijednost zamijenjenih dijelova

[64] Theft & robbery: 100% of insured sum ↩

Theft of the insured vehicle or its component parts is covered under the standard (full) casco policy, up to the insured value; keys to the vehicle are explicitly excluded from this cover.

krađa osiguranog predmeta tj. vozila ili njegovih sastavnih dijela (osim ključeva vozila);

[65] Glass damage: €2,000 ↩

Breakage or damage to standard-fitted glass (excluding light-fitting and mirror glass) can be separately insured under Combination D (which also covers damage from collision with wildlife or domestic animals) or Combination E (glass only), each capped at EUR 2,000 per insurance year regardless of the number of claims.

Lom ili oštećenje standardno ugrađenih stakala na motornom vozilu, osim stakala svjetlećih tijela i ogledala... Limit: do 2.000 EUR tijekom osigurateljne godine, bez obzira na broj osiguranih slučajeva.

[66] Natural perils: 100% of insured sum ↩

Storm, hail, snow avalanche, earthquake (seismographically registered at 6+ EMS, all damage within 72 consecutive hours treated as one event), lightning strike, and flood/torrent/high water are covered under the standard full casco policy.

10. potres; ... Sve štete uzrokovane istim potresom i njegovim naknadnim podrhtavanjima, nastale unutar 72 uzastopna sata od početka potresanja tla, smatraju se jednim osiguranim slučajem.

[67] Vandalism: 100% of insured sum ↩

Malicious acts or wanton behaviour of third parties causing damage to the insured vehicle are covered under the standard full casco policy.

4. zlonamjerni postupci ili obijest trećih osoba;

[68] Roadside assistance: €200 – €450 ↩

Sold as a separate optional product with three packages (Hrvatska, Regija, Europa) offering a 24/7 contact centre, on-site repair, alternative transport for driver and passengers (EUR 130 / EUR 200 / EUR 200) and vehicle transport/towing capped at EUR 200 / EUR 330 / EUR 450 per cover period respectively; the Regija and Europa packages also add a replacement vehicle (up to 3 / 5 days, max EUR 50 per day) and accommodation (up to 2 nights, EUR 50 per night per person).

1.1.4.usluga alternativnog prijevoza za vozača i suputnike do najvišeg ukupnog iznosa od 130,00 € za vrijeme trajanja pokrića; ... 1.2.4.usluga korištenja zamjenskog osobnog vozila u slučaju prometne nezgode i kvara, najviše do 3 dana, uz maksimalni iznos od 50,00 € za dnevni najam vozila; 1.2.5.usluga alternativnog prijevoza za vozača i suputnike za vozača i suputnike do najvišeg ukupnog iznosa od 200,00 € za vrijeme trajanja pokrića;

[69] Replacement vehicle: Excluded ↩

Replacement vehicle costs are explicitly listed as an excluded indirect loss under the current casco terms; the current partial casco combinations are limited to D and E (glass), so no separately purchasable replacement-vehicle add-on exists under the present terms.

[70] Driver accident: Excluded ↩

Personal accident cover for the driver and passengers is not part of the casco product; it is sold as a distinct policy ('Uvjeti za osiguranje osoba od posljedica nesretnog slučaja... za vrijeme upravljanja i vožnje motornim ili drugim vozilima'), typically taken out alongside the MTPL (AO) policy.

Uvjeti za osiguranje osoba od posljedica nesretnog slučaja (nezgode) za vrijeme upravljanja i vožnje motornim ili drugim vozilima (u daljnjem tekstu: Uvjeti) sastavni su dio ugovora o osiguranju osoba od posljedica nesretnog slučaja (nezgode)

[71] Own damage: €1,327 – €3,982 ↩

Kasko Start covers collision with a known vehicle with a selectable annual limit of €1,327.23, €2,654.46, or €3,981.68. Kasko Forte and the standard full casco (potpuno kasko) also cover collision/accident damage to the insured vehicle without a stated sub-limit, subject to higher deductibles for Forte.

[72] Total loss: Covered ↩

If HOK's authorized assessor determines the vehicle to be a total loss (repair not commercially viable), compensation is capped at the total-loss value in proportion to the established liability ratio.

[73] Partial loss: Covered ↩

For partial damage to the vehicle, the policyholder may independently choose the repair workshop, in line with the damage list determined by HOK's authorized assessor and the established liability ratio.

[74] Theft & robbery: €3,982 – €11,945 ↩

Theft, break-in theft and robbery are covered under Kasko Start (selectable annual limit of €3,981.68, €7,963.37, or €11,945.05, i.e. 3x the collision limit), Kasko Pro, Kasko Forte, and the standard full casco. A 10% deductible on the claim amount applies to theft claims under Kasko Start and Kasko Pro.

[75] Glass damage: Covered ↩

The standard full casco (potpuno kasko) covers glass breakage on the vehicle, among other material damages.

[76] Natural perils: Covered ↩

Kasko Pro, Kasko Forte and the standard full casco cover storm, hail, flood, lightning strike, explosion (excluding nuclear), snow/ice fall, and aircraft fall; this coverage is not included in Kasko Start.

[77] Vandalism: See details ↩

No HOK product-page or claims-page source specifies vandalism as a covered peril under the casco line; it appears only in an unrelated HANFA comparison table on police-notification duties.

[78] Roadside assistance: See details ↩

No HOK casco source specifies a roadside assistance benefit.

[79] Replacement vehicle: See details ↩

No HOK casco source specifies a replacement vehicle benefit.

[80] Driver accident: See details ↩

Driver/passenger accident insurance is offered by HOK as a separate 'osiguranje osoba' product (usually attached to the MTPL policy), not as part of the casco coverage itself; no HOK casco source confirms it is included in casco.

[81] Own damage: Covered ↩

Kasko covers damage to the policyholder's own vehicle from parking dents/scratches, theft/break-in attempts, or at-fault traffic accidents, including repair costs even when the policyholder caused the crash.

Ako udariš stupić dok se parkiraš, netko ti provali ili ukrade vozilo ili do prometne nezgode dođe tvojom krivnjom, Kasko osiguranje pokriva štetu na tvom vozilu. Dakle, čak i kad ti skriviš sudar, pokrivamo troškove popravka tvog vozila.

[82] Total loss: Covered ↩

Kasko is a voluntary vehicle insurance covering damage to the insured's own car regardless of fault; the exact sum-insured cap for total-loss scenarios is not separately stated for full Kasko in the available sources.

Kasko osiguranje je dobrovoljno osiguranje vozila koje pokriva štete na tvom automobilu bez obzira na to tko je uzrokovao štetu.

[83] Partial loss: Covered ↩

LAQO Kasko covers damage that occurs while the vehicle is parked, including scratches or dents, even when the person responsible does not leave contact details.

Ako ti netko ogrebe ili udari auto dok je parkiran, a počinitelj ne ostavi podatke, kasko pokriva štetu, što obvezno osiguranje ne čini.

[84] Theft & robbery: Covered ↩

If the vehicle is broken into or stolen, full Kasko covers the resulting damage or loss; this is part of comprehensive Kasko and not available under the Kasko basic+ rider.

Ako udariš stupić dok se parkiraš, netko ti provali ili ukrade vozilo ili do prometne nezgode dođe tvojom krivnjom, Kasko osiguranje pokriva štetu na tvom vozilu.

[85] Glass damage: Covered ↩

Glass breakage cover is already included in full Kasko and does not need to be purchased as a separate option (unlike under the MTPL policy, where it is a paid add-on with a 300 EUR cap).

Uz ugovaranje LAQO kasko osiguranja, dodatna pokrića Tuča, Lom stakla i Sudar za životinjom su već uključeni u Kasko pa se ne moraju dodatno ugovarati.

[86] Natural perils: Covered ↩

Full Kasko covers damage caused by hail, lightning strike, fire, falling objects, snow or building debris, among other perils.

To znači da Kasko pokriva štetu nastalu prometnom nezgodom, krađom ili provalom, tučom, udarom groma, požarom, padom predmeta, snijega ili dijela zgrade itd.

[87] Vandalism: Covered ↩

LAQO Kasko covers damage to a parked vehicle including scratches or impacts, even when caused by an unidentified third party.

Ako ti netko ogrebe ili udari auto dok je parkiran, a počinitelj ne ostavi podatke, kasko pokriva štetu, što obvezno osiguranje ne čini.

[88] Roadside assistance: Unlimited ↩

An optional add-on alongside Kasko offering an unlimited number of roadside repairs/tows and transport of the car to the policyholder's home when on-site repair is not possible; for motorcycles roadside help is capped at 100 EUR and transport at 300 EUR.

Vuča i asistencija omogućuje ti neograničen broj pomoći (popravka) na cesti i prijevoza osobnog automobila do mjesta prebivališta kad automobil nije moguće popraviti na licu mjesta. Pomoć na cesti za motocikle dostupna je do 100 EUR, a prijevoz do mjesta prebivališta do 300 EUR.

[89] Replacement vehicle: See details ↩

No mention of a replacement-vehicle benefit was found in the available sources.

[90] Driver accident: Optional ↩

An optional add-on ('Vozač i putnici') providing financial compensation for injury or death of the driver and passengers under the policy's terms; no fixed sum insured is stated in the available sources.

Ako razmišljaš o dodatnim opcijama uz LAQO Kasko, onda na raspolaganju imaš dodatna pokrića: Vuča i asistencija, Vozač i putnici i Zaštita bonusa.

[91] Own damage: Covered ↩

Full casco covers destruction of or damage to the insured vehicle caused by sudden events beyond the policyholder's or driver's control, including traffic accidents, fire, storm, hail, lightning, explosion, snow avalanche, flood and vandalism; the sum insured is based on the vehicle's value, no fixed monetary limit is stated in the terms.

Puno kasko osiguranje pokriva štetu uništenja ili oštećenja osiguranog predmeta, kao posljedice iznenadnih i od volje ugovaratelja osiguranja ili vozača neovisnih događaja

[92] Total loss: Covered ↩

In case of total loss (destruction or theft of the vehicle), compensation is based on the vehicle's value at the time of loss assessment, reduced by the market value of any salvage.

Kod totalne štete (uništenja ili krađe vozila) prema vrijednosti vozila u trenutku utvrđivanja visine štete, umanjenoj za tržišnu vrijednost ostatka vozila, a prema stanju vozila neposredno prije štete.

[93] Partial loss: Covered ↩

For partial damage, compensation is based on the cost of repair, reduced by the market value of the residual value of replaced parts; the amount may be agreed on the basis of a domestic repair-cost estimate.

Kod oštećenja vozila (djelomična šteta) prema visini troškova popravka, umanjenih za tržišnu vrijednost ostatka dijelova koji se zamjenjuju.

[94] Theft & robbery: Covered ↩

Covers theft, burglary, unlawful taking of the vehicle for use, robbery and armed robbery of the vehicle; the vehicle is deemed lost if not found within 30 days of reporting it to the police.

Osiguranjem se pokriva i rizik krađe, provalne krađe, protupravnog oduzimanja vozila u namjeri da se upotrijebi za vožnju, razbojničke krađe i razbojstva. Smatra se da je vozilo nestalo ako se ne pronađe u roku od 30 dana, računajući od dana prijave nestanka vozila nadležnoj policijskoj upravi.

[95] Glass damage: Optional ↩

Optional add-on covering standard factory-fitted glass on the vehicle, excluding glass on interior lights, mirrors and screens; cover applies up to the glass sum insured stated on the policy for one claim event per insurance period.

Lom stakala standardno ugrađena stakla na motornim vozilima, osim stakala na unutarnjim i vanjskim svjetlima i zrcalima.

[96] Natural perils: Covered ↩

Full casco covers storm (wind of 17.2 m/s or more), hail, lightning, snow avalanche (including air-pressure damage), flood, torrents and high water, subject to specific exclusions for areas permanently exposed to flood risk.

6. oluje; Olujom se smatra vjetar brzine 17.2 metara u sekundi odnosno 62 km na sat odnosno 8 stupnjeva po Beaufortovoj ljestvici ili više; 7. tuče; 8. snježne lavine; ... 15. poplave, bujice i visoke vode.

[97] Vandalism: Covered ↩

Covers damage caused by malicious acts or wanton behaviour of third parties.

14. zlonamjernih postupaka ili obijesti trećih osoba;

[98] Roadside assistance: Optional ↩

Optional roadside assistance organizes help in emergencies such as traffic accidents, breakdowns, vandalism, theft, vehicle damage and fuel/key problems; sold under several named assistance products with different service levels.

Posebni uvjeti za osiguranje pomoći na cesti - Asistencija Posebni uvjeti za osiguranje pomoći na cesti - Basic Posebni uvjeti za osiguranje pomoći na cesti - Basic Plus

[99] Replacement vehicle: Optional ↩

Optional replacement vehicle service during repairs, available at authorized partner service centres for private customers holding both an active MTPL policy and full casco.

[100] Driver accident: See details ↩

No dedicated occupant/driver accident benefit is defined in the casco terms and conditions or in the IPID for this product; a separate accident cover is advertised on the insurer's general motor-insurance page but is not listed among the casco add-ons in the IPID.

[101] Own damage: Covered ↩

Full (comprehensive) automobile casco insurance covers most damage to the vehicle occurring while driving, stationary, or parked, including traffic accidents and special events such as aircraft impact.

Osiguranje automobilskog kaska obuhvaća pokriće većine šteta na motornom vozilu prouzročenih za vrijeme vožnje, u mirovanju ili na parkiralištu.

[102] Total loss: Covered ↩

Not specified as a distinct benefit amount in the reviewed sources.

[103] Partial loss: Covered ↩

Partial damage to the vehicle is covered under full casco; every claim reported within one insurance year is paid at 100% of the amount unless otherwise agreed.

Uz ugovaranje punog automobilskog kaska imate mogućnost biranja dodatnih djelomičnih kasko pokrića.

[104] Theft & robbery: Covered ↩

Theft (Krađa) is listed as a covered peril under the full casco (Puni kasko) option in Triglav's own comparison of casco coverage levels.

Prometna nezgoda i Krađa

[105] Glass damage: €398 ↩

Glass casco cover under the General Terms PG-aka/20-01-hr covers repair or replacement only with non-logo replacement glass at a Triglav-designated partner, up to EUR 398.17 (HRK 3,000) per insurance year, regardless of the number of claims. If the additional Clause KL-aka-staklo/22-06-hr is contracted (limit up to EUR 265.45), the combined annual limit is up to EUR 663.61, applicable only to passenger vehicles. Available under partial casco combinations D or E.

Kasko osiguranje stakla po Općim uvjetima PG-aka/20-01-hr pokriva popravak ili zamjenu isključivo zamjenskim staklom bez logotipa proizvođača kod ugovornog partnera kojeg odredi Triglav osiguranje d.d.. […] Limit pokrića je do najviše 398,17 EUR (3.000 HRK*) tijekom osigurateljne godine, bez obzira na broj osiguranih slučajeva. […] U slučaju da se ugovori dodatno pokriće loma stakla po Klauzuli KL-aka-staklo-22-06-hr, koji ima limit pokrića do najviše 265,45 EUR (2.000 HRK*) ukupan godišnji limit po obje Klauzule je najviše 663,61 EUR (5.000 HRK*) tijekom osigurateljne godine, bez obzira na broj osiguranih slučajeva, odnosi se isključivo za osobna vozila.

[106] Natural perils: Optional ↩

Partial casco combination B covers damage caused by fire, lightning, hail, storm, snow avalanche, explosion, aircraft impact, and demonstrations/manifestations.

[107] Vandalism: See details ↩

Not confirmed by an official Croatian source for this product.

[108] Roadside assistance: Optional ↩

Partial casco combination F covers the cost of towing the damaged vehicle to the place of residence and the cost of transporting the driver and passengers.

[109] Replacement vehicle: See details ↩

Not found in the reviewed sources for this product.

[110] Driver accident: Optional ↩

In addition to the casco policy, policyholders may separately contract accident treatment insurance covering injuries sustained in a traffic accident.

Osim sklapanja police osiguranja od automobilskog kaska, postoji mogućnost ugovaranja: osiguranje liječenja nakon ozljeda u prometnoj nezgodi

[111] Own damage: Covered ↩

Covers damage to the insured vehicle, including cases where the policyholder caused the traffic accident, up to the insured value of the vehicle.

Ugovoriš li kasko osiguranje, imaš pravo na podmirenje štete na vlastitom vozilu čak i ako si sam uzrokovao prometnu nezgodu.

[112] Total loss: Covered ↩

In case of total loss, indemnity is paid up to the actual/insured value of the vehicle as defined in the terms and conditions.

Gornja granica obveze osiguratelja po pojedinom štetnom događaju ne može biti veća od stvarne tržišne vrijednosti vozila, odnosno osnovice za obračun premije naznačene u polici ukoliko je taj iznos manji.

[113] Partial loss: Covered ↩

Covers partial damage to the insured vehicle from covered perils such as traffic accidents, fire, theft attempts, natural perils and vandalism.

Partial CASCO

[114] Theft & robbery: Covered ↩

Covers theft of the vehicle or break-in, provided the vehicle was locked and reasonable security measures were taken; coverage does not apply if the vehicle was left unlocked or theft was facilitated by the owner.

Trebaš znati i da pokriće od krađe vozila ili provale u vozilo ne vrijedi ako si ga ostavio otključanog ili si na neki drugi način olakšao krađu.

[115] Glass damage: Covered ↩

Damage to vehicle glass from hail (indirect water damage after glass breakage is included) is covered under natural perils.

Tuča - oštećenje osiguranog vozila djelovanjem atmosferske oborine krutih zrnastih oborina u obliku pojedinačnih ili slijepljenih grumena leda. Uključena su neizravna oštećenja od vlaženja nakon razbijanja prozora motornog vozila.

[116] Natural perils: Covered ↩

Covers storm (wind speeds above 17.2 m/s, i.e. 8 Beaufort), hail, and lightning strikes; earthquake damage is explicitly excluded.

Oluja - oštećenja osiguranog vozila djelovanjem vjetra brzine veće od 17,2 metra u sekundi, ili 62 km na sat (8 stupnjeva na Beaufortovoj ljestvici). […] Tuča - oštećenje osiguranog vozila djelovanjem atmosferske oborine krutih zrnastih oborina u obliku pojedinačnih ili slijepljenih grumena leda. […] Grom i munja - prirodna pojava koja se manifestira kao direktan udar električne energije ili topline na imovinu ili osobe.

[117] Vandalism: Covered ↩

Casco coverage extends to a range of risks from natural perils to vehicle theft and vandalism.

Kasko pokriva i razne druge rizike, od prirodnih nepogoda pa sve do krađe vozila i vandalizma.

[118] Roadside assistance: Optional ↩

Optional add-on covering minor on-site repairs, running out of fuel or EV battery discharge (once per insurance year), loss/theft/damage of keys (once per year), towing (twice per year, up to EUR 200 per event) and accommodation during repairs (once per year, up to EUR 100).

[119] Replacement vehicle: Optional ↩

Optional coverage for the cost of renting another personal vehicle while the insured vehicle is being repaired following damage caused by collision with another vehicle.

Pokriva se trošak najma drugog osobnog vozila za vrijeme popravka osiguranog vozila zbog oštećenja uzrokovanih sudarom s drugim vozilom.

[120] Driver accident: Optional ↩

Optional add-on protecting the driver and all passengers, including pets, covering permanent disability, accidental death, and veterinary costs or a death benefit for an injured or deceased pet.

Ovim osiguranjem možeš zaštititi sebe i sve putnike u automobilu, uključujući i kućne ljubimce. U pokriću su trajni invaliditet, smrt uslijed nezgode te medicinski troškovi kućnog ljubimca ozlijeđenoj u prometnoj nesreći ili naknada za njegovo uginuće.

[121] Own damage: 100% of insured sum ↩

Full casco covers various risks that may cause damage, destruction, or disappearance of the insured motor or trailer vehicle; the sum insured equals the vehicle's new-replacement value and represents the upper limit of the insurer's obligation.

Kod punog kaska pokrivene su razne opasnosti koje mogu prouzročiti oštećenje, uništenje ili nestanak osiguranog motornog ili priključnog vozila.

[122] Total loss: 100% of insured sum ↩

Destruction or disappearance (e.g. theft) of the insured vehicle is covered up to the sum insured, which represents the vehicle's new-replacement value and the insurer's maximum liability.

Svota osiguranja na koju je motorno ili priključno vozilo osigurano navedena je u sklopljenom Ugovoru o osiguranju i predstavlja novonabavnu vrijednost vozila sa svim davanjima, ovisno o poreznom tretmanu osiguranika, te predstavlja gornju granicu obveze Osiguratelja.

[123] Partial loss: 100% of insured sum ↩

Partial damage to the vehicle caused by a covered peril is compensated up to the sum insured; under partial (djelomični) casco only specifically contracted perils are covered.

Kod djelomičnog kasko osiguranja pokrivene su samo određene ugovorene opasnosti kao npr. lom stakla, nalet na divljač, požarna opasnost i sl., a koje mogu prouzročiti oštećenje ili uništenje osiguranog motornog ili priključnog vozila.

[124] Theft & robbery: 100% of insured sum ↩

Casco insurance includes vehicle theft risk as part of coverage scope, up to the sum insured; theft risk may be excluded from coverage upon the policyholder's request. Compact casco covers theft together with collision damage only.

[125] Glass damage: Covered ↩

Damage to standard vehicle glass is covered, excluding glass on lights and mirrors; can also be selected as part of a customized partial casco combination.

[126] Natural perils: Covered ↩

Covers damage from hail, fire hazard, and collision with wild animals; earthquake damage to the vehicle is explicitly excluded.

djelomičnog kasko osiguranja pokrivene su samo određene ugovorene opasnosti kao npr. lom stakla, nalet na divljač, požarna opasnost i sl.

[127] Vandalism: Covered ↩

Full casco explicitly covers damage caused by vandalism, along with a traffic accident caused by the policyholder and other risks not excluded by the terms.

[128] Roadside assistance: Optional ↩

Roadside assistance insurance is offered as a supplementary (add-on) coverage; note that towing, extraction, and transport costs for the vehicle are already included within the base full casco coverage itself.

osiguranje autoasistencije

[129] Replacement vehicle: See details ↩

No source among the reviewed materials confirms or denies a replacement vehicle benefit for this product.

[130] Driver accident: Optional ↩

Insurance of the driver and passengers against the consequences of an accident occurring in the insured vehicle is available as a supplementary (add-on) coverage, with sums insured specified in the policy.

osiguranje vozača i putnika od posljedica nezgode nastale u osiguranom vozilu