Adriatic Insurance Joint Stock Company

Driver age and experience limit

No general minimum driver age or experience requirement for policy eligibility is stated. However, a zero-tolerance (any detectable alcohol) rule applies to certain driver categories including 'young/novice drivers' (mladi vozač), driving instructors and category C/D/H drivers when determining alcohol-related exclusions.

Repair network requirements

The insurer has the right to determine the place of repair or to organize and carry out the repair itself. Alternatively, the insured can choose settlement based on a submitted repair invoice (paid only after the repair is completed and the invoice submitted) or a cash settlement based on the estimated/fictional repair cost.

Territorial scope

Cover applies across Europe, in any case in Green Card System countries or EEA states, explicitly excluding Morocco, Moldova, Tunisia, Israel, Azerbaijan and Iran unless separately agreed with an additional premium.

Anti-theft requirements

The insured must lock the vehicle when leaving it, close windows/roof, remove ignition keys and any detachable visible parts, engage the handbrake, and must not leave vehicle keys, electronic immobilizer remote controls or registration documents inside the vehicle or in places easily accessible to third parties.

Claim notification deadline

The insured event must be reported within one week (7 days) of its occurrence or of becoming aware of it. Traffic accidents, wildlife/animal collisions, theft, vandalism and parked-vehicle damage must be reported to the nearest police station immediately; a theft claim is only deemed to mature after 30 days from the police report if the vehicle remains unfound.

Deductible rules

A mandatory minimum deductible of €200 per claim applies unless otherwise agreed, and can be bought out for an extra premium. Regardless of the agreed deductible, if two or more claims are reported within one insurance year, an additional mandatory deductible applies, scaling from 15% of the claim (min €200 / max €750) for the 2nd claim up to 50% of the claim (min €750 / max €4,000) for the 4th and every subsequent claim in the same year.

Mandatory deductible (franchise)

Insurance must be contracted with a mandatory deductible (franchise) representing the insured party's participation in any damage incurred

Geographic coverage area

Coverage extends to Europe and specifically to Green Card System member countries or EU Economic Area member states

Police reporting requirement for traffic accidents

For claims arising from traffic accident risks, immediate personal or driver notification to nearest police station is mandatory, with proof of report and breathalyzer test required with claim submission

Claim notification deadline

Insured must report claim within one week from the date of loss or the date when loss became known

Insured party obligations for risk management

Insured must disclose all circumstances material to risk assessment, keep vehicle in safe condition, take preventive measures, not increase risk, and notify insurer of vehicle deregistration or ownership change

Claim settlement method: direct repair vs. reimbursement

Insured may choose claim settlement variant: either based on repair bill (naknada temeljem računa popravka) or reimbursement

Bonus-malus premium adjustment system

Premium is adjusted annually based on claim history: bonus granted for claim-free periods, malus applied for claims submitted

Depreciation and amortization of vehicle value

Claim compensation calculated based on depreciated vehicle value, determined by vehicle age, mileage, condition and market prices

Theft claim reporting and waiting period

Theft claim is deemed to have occurred 30 days after theft report to police, provided stolen vehicle is not found in that period and police have issued search notice