Allianz Hrvatska d.d.
Allianz
Allianz is a motor casco insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
Policyholders may choose between having Allianz settle repair costs directly with its network of contracted partner workshops, or receiving a cash settlement and arranging their own repair.
Geographic scope
Republic of Croatia and Green Card System member states
Casco and accident coverage apply in the Republic of Croatia and Green Card System member states, and additionally in Kosovo. Roadside assistance is valid in all European countries (including European Turkey and the Greek part of Cyprus) except Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia and Ukraine.
Unique selling points
- Dedicated electric-vehicle protection covering the battery (even when leased separately), charging cables, wallbox and adapters, plus mobile charging or towing to the nearest charging station.
- GAP new-vehicle value protection pays the full new purchase price without depreciation on total loss, for vehicles up to 6 months old at inception and until they reach 2 years of age.
- Real-time digital claim tracking through the Status štete service lets customers follow their claim 24/7 online.
- Optional Bonus Protection add-on lets policyholders keep their accumulated no-claims discount even after filing a claim.
- Wide network of contracted repair partners offers faster repair times, guaranteed service quality and direct invoice settlement without upfront payment by the customer.
Coverage limits
Full Casco (Traffic Accident & Other Risks)
100% of insured sum
Only in Max
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.
Total Loss Settlement
100% of insured sum
Only in Plus, Extra, Max
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.
Partial Damage Repair
100% of insured sum
Only in Plus, Extra, Max
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.
Theft & Robbery
100% of insured sum
Only in Extra, Max
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.
Glass Insurance
Conditional
Only in Extra, Max
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.
Natural Perils
100% of insured sum
Only in Plus, Extra, Max
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.
Vandalism
100% of insured sum
Only in Extra, Max
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).
Roadside Assistance (Basic & Extended)
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.
Replacement Vehicle
Conditional
Only in Plus, Extra, Max
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.
Driver & Passenger Accident Insurance (Basic & Extended)
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.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience threshold is stated for casco cover; however, coverage rights are lost if the driver did not hold a valid driving licence of the appropriate category (except learner drivers under proper supervision), or drove despite licence suspension/withdrawal.
Repair network requirements
After a claim is confirmed, the policyholder chooses between repair through Allianz's network of contracted partner workshops (faster repair times, guaranteed service quality, and direct invoice settlement with the workshop) or repair at a non-partner workshop, in which case Allianz reimburses the assessed damage amount directly to the policyholder's bank account.
Territorial scope
Casco and accident coverage apply in Croatia and Green Card System member states, extending additionally to Kosovo; roadside assistance is valid across most of Europe excluding Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia and Ukraine.
Anti-theft requirements
The vehicle must be locked; theft coverage does not apply if the vehicle was left unlocked or theft was otherwise facilitated. For Plus/Extra/Max policies, a digital vehicle inspection (photos submitted via app or agent) is mandatory within 15 days of policy issuance to confirm no pre-existing damage and to lift the temporary 50% deductible.
Claim notification deadline
Claims should be reported as soon as possible, ideally within 24 hours of occurrence or discovery. If the police were involved, Allianz must be notified within 24 hours of becoming aware, together with the police report.
Deductible rules
A mandatory 50% deductible applies to all Plus/Extra/Max casco cover until the digital vehicle inspection is completed. Thereafter, a mandatory deductible applies to the 2nd (EUR 240), 3rd (EUR 480), 4th (EUR 1,200) and 5th-or-later (EUR 2,400) claim within one insurance year. An optional voluntary deductible can also be agreed for a lower premium. Deductibles are not cumulative — only the highest applicable deductible is applied per claim. Glass repairs (as opposed to replacement) are exempt from any deductible.
Documents
Policy specifics
Comprehensive Motor (Casco) Coverage
Core casco coverage protecting vehicle against damage from accidents, theft, vandalism, natural perils, and other comprehensive risks
SourceLegal Protection Coverage
Covers defense costs for policyholders in criminal proceedings arising from traffic accidents caused by insured vehicle
SourceAccident Insurance (Basic and Extended)
Provides coverage for driver and passengers in case of death and/or permanent disability caused by traffic accidents
SourceBattery and Charging Equipment Coverage (Electric Vehicles)
Specific to Moj auto EV variant; covers battery damage, fire, theft and charging equipment (cables, wall box, adapters) for electric vehicles including separately leased batteries
SourceNew Value Protection (for Total Loss)
In case of total loss (destruction or theft) of passenger vehicle, insurer provides compensation based on new vehicle value at time of purchase without depreciation deduction
SourceTerritorial Scope for Casco Coverage
Casco coverage and glass insurance apply within Republic of Croatia and other European countries excluding Asian part of Turkey and area east of 55th meridian of Russia
SourceDeductible (Franchise)
Policyholder participates in damage with deductible amount; damage below deductible threshold is not paid; damage exceeding threshold is reduced by deductible amount
SourceCoverage Treatment Upon Vehicle Sale
When vehicle is sold, motor liability coverage remains in force until contract expiration and transfers with vehicle to new owner; all other coverages cease at midnight of sale date
SourceBonus Protection Coverage
Optional coverage allowing policyholders to retain accrued bonus (discount) even if claim occurs during policy year; maintains bonus status upon renewal
SourceClaim Settlement Options (Casco)
For casco claims, policyholders can choose between: cash settlement, repair at contracted repair partners network, or repair at alternative service station
Source