ADRIATIC

driver_age_experience_limit

No explicit minimum driver age or minimum experience requirement is stated in the standard CASCO policy terms. However, certain driver categories are treated as 'under the influence of alcohol' at lower BAC thresholds: Category C1, C1+E, C, C+E, D, D+E and H vehicle drivers; driving instructors; young drivers; and Category B drivers using the vehicle for professional purposes (e.g. taxi, ambulance drivers). Driving without a valid licence for the vehicle category is an exclusion.

repair_network_requirements

ADRIATIC has the right to determine the place of vehicle repair or organise and carry out the repair. The insured is obliged to enable ADRIATIC to inspect the vehicle or enable damage assessment, and to request permission for repair or renewal. ADRIATIC is entitled to give detailed instructions regarding the selection of a suitable service. For used (rabljenih) vehicles, damage is assessed exclusively on the basis of the vehicle's condition, photographs, and the 'Report on vehicle condition for CASCO insurance of used vehicles' prepared at the time of the insurance quote.

territorial_scope

Coverage extends to the geographic territory of Europe, and in any case to member states of the Green Card System or European Economic Area (EEA) member states, excluding: Morocco, Moldova, Tunisia, Israel, Azerbaijan, and the Islamic Republic of Iran, unless otherwise contracted. Optional extension to these excluded countries is available for an additional premium surcharge of 20% (territorial extension add-on, clause C/8).

anti_theft_requirements

Upon leaving the vehicle, the insured is obliged to: lock the vehicle, close windows and blinds (convertibles: raise roof), activate anti-theft devices, take all unattached and visible parts of the vehicle and vehicle registration documents. Vehicle keys and registration documents must be kept in a location not easily accessible to third parties. Mechanical and/or electronic vehicle keys, electronic remote anti-theft device controllers and vehicle registration documents must not be kept in the vehicle. Failure to meet these obligations is a coverage exclusion for theft risk.

claim_notification_deadline

The insured must report the insured event to ADRIATIC within 7 days from the date of the insured event or from the date of becoming aware of it, with as precise a factual description as possible. For theft, break-in, vandalism and fire: must immediately report to the nearest police station; police confirmation of report must be submitted with the claim. For traffic accidents, work accidents, animal collisions: must immediately report to the nearest police station; police confirmation together with performed breathalyser test must be submitted with the claim. For damage to third-party property: must report to the nearest police station in writing on the day the damage occurred. Failure to report a traffic accident to police or failure to provide breathalyser test evidence creates a presumption of intoxication and results in coverage exclusion.

deductible_rules

CASCO insurance must be contracted with a mandatory deductible (odbitna franšiza) – the contractually agreed participation of the insured in the incurred loss. The minimum nominal deductible amount is EUR 200 (per the current IPID AKP-03/25-A/B), and cannot be lower unless otherwise contracted. The deductible is stated in the policy and applies to each individual insured risk. Independently of the contracted deductible, a mandatory compulsory deductible also applies for the 2nd, 3rd, and each subsequent insured event within one insurance year: 2nd event: 15% of the damage amount, min EUR 200, max EUR 750; 3rd event: 30% of damage amount, min EUR 400, max EUR 1,500; 4th and each subsequent event: 50% of damage amount, min EUR 750, max EUR 4,000. The deductible can be bought out (Otkup ugovorene obvezne franšize) with a premium surcharge.

Mandatory deductible (franchise)

CASCO insurance must be contracted with a mandatory deductible (franchise), representing the insured's participation in the loss. Minimum deductible amount is typically EUR 200.

Full comprehensive coverage (puno kasko)

Full CASCO insurance covering damage or loss of vehicle resulting from traffic accidents, theft, unauthorized use, vandalism, natural disasters (storm, hail, snow avalanche, flood), fire, explosion, lightning strike, and other insured risks.

Partial comprehensive coverage (djelomično kasko)

Partial CASCO insurance covering specific risks such as theft, unauthorized use, vandalism, natural disasters (storm, hail, snow avalanche, flood, water damage, landslide), fire, and explosion.

Optional breakage risk coverage

Optional additional coverage for breakage or malfunction of technical and working equipment installed on the vehicle.

Geographic coverage area

Insurance coverage extends to European territory, specifically all countries participating in the Green Card System or EEA member states.

Claims notification timeline

Insured must notify the insurer of an insured event within 7 days from the date the event occurred or from the date the insured became aware of it.

Insured's care and diligence obligations

Insured must exercise reasonable care, maintain and use the vehicle safely, take preventive actions to avoid losses, refrain from increasing risk, and inform insurer of vehicle deregistration or ownership changes.

Traffic accident exclusion for intoxicated driving

Damage to vehicle is excluded from coverage if the driver was operating the vehicle under the influence of alcohol, drugs, or narcotics.

Contract duration and renewal

Insurance contract is concluded for a fixed term of one or more years. Contract automatically terminates upon total loss of vehicle or change of ownership (24 hours after new owner takes possession).

Premium payment options

Premium can be paid in single installment or in agreed instalments. First premium is due at contract inception unless otherwise agreed. Subsequent installments follow the contractually specified payment schedule.

Coverage effective date and start

Insurance coverage begins 24 hours after the date specified in the policy as the start of insurance, provided premium has been paid by that time. If premium is paid later, coverage begins 24 hours from the payment date.