Allianz

Covers damage to the insured vehicle, its parts and equipment caused by unforeseen and sudden events including collision, impact, running off the road or overturning, objects falling on the vehicle, damage in car parks, and damage following temporary repairs enabling towing to a workshop. Maximum indemnity equals the insured sum (agreed vehicle market value). GAP coverage (new vehicle value without depreciation deduction) also applies in the Max package for vehicles up to 2 years old insured at inception within 6 months of first registration.

In the event of total loss (theft or destruction of the vehicle where repair is technically impossible or economically unviable), the indemnity is calculated as the insured vehicle's market value immediately before the loss less the salvage value. In the Max package with GAP coverage, the indemnity corresponds to the new vehicle purchase price without any depreciation deduction, provided the vehicle was not older than 6 months at policy inception and is not older than 2 years at the time of the loss.

For partial vehicle damage, the claim is settled based on actual repair costs in Croatia. Depreciation is applied to periodically replaced parts (tyres, batteries, exhaust systems, catalytic converters, etc.) and to drive aggregates based on mileage and general condition. Audio/video/telecom equipment depreciation is based on age. No compensation is paid for the reduction in vehicle value after repair.

Covers theft of a locked vehicle, theft of vehicle parts and/or equipment, theft of items inside the vehicle, and damage caused by theft or attempted theft. Also covers disappearance of vehicle parts following an insured event. Vehicle must be locked and no facilitation of theft may have occurred. Theft by immediate family members or household cohabitants of the policyholder is excluded (except for persons whose acts the insured is legally responsible for). In-vehicle audio/video/telecom equipment theft requires evidence of forced entry.

Covers repair or replacement (if repair is not possible) of the windscreen, side or rear window, and fixed or sliding glass sunroof of the insured vehicle. Covered causes include traffic accident, natural disaster, falling objects, theft, vandalism, and animal damage on parked vehicles. If damage can be repaired, only the repair cost (not full replacement) is covered — and in such cases no deductible applies. Glass surfaces on lights and mirrors are not covered.

Covers vehicle damage caused by natural disasters including flood, torrential rain or high water, storm (wind above 17.2 m/s / 62 km/h), landslide or snow avalanche, hail, lightning strike, mechanical effect of water or objects carried by water, and earthquake. Also covers damage inside the vehicle caused by rain or snow immediately following vehicle damage from a covered event. Long-term atmospheric effects (e.g. paint fading, corrosion) are excluded.

Covers vehicle damage caused by a malicious act of a third party, including inscriptions, scratching with a sharp object, and paint thrown on the vehicle. Damage where it cannot be unambiguously established that it resulted from a malicious act of a third party (e.g. single scratches or damage from contact with an unknown vehicle in a car park) is not covered. Intentional or grossly negligent damage by the insured or their household members is excluded.

Extended roadside assistance included in the Max package (also in Plus and Extra). Covers: on-site repair (up to 1 hour), vehicle transport (up to 150 km or to the nearest workshop), replacement vehicle (up to 6 days for accident/theft/vandalism; up to 4 days for breakdown/wrong fuel; up to 2 uses per year for breakdown/wrong fuel/locked keys), hotel accommodation for up to 3 nights at €75 per person per night when vehicle is stranded more than 50 km from home, transport home (1st class train, bus or economy class flight if distance over 750 km), person transport up to 100 km, tyre change, fuel delivery, transport of mortal remains, recovery of found stolen vehicle, vehicle wreckage disposal (up to €125). Activated exclusively by calling 072 222 222 (Croatia) or +385 72 222 222 (abroad). Valid in all EU member states plus BiH, Montenegro, Serbia, Macedonia, Andorra, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Vatican, European Turkey and Greek Cyprus. Basic roadside assistance (repair up to 1 hour, transport to nearest workshop, person transport up to 50 km) included in Comfort package.

Included as part of extended roadside assistance (Plus, Extra, Max packages). Allianz organises and covers the cost of a replacement vehicle one class below the insured vehicle, up to middle class (e.g. VW Golf). For electric/hybrid insured vehicles, an electric/hybrid replacement is provided if available, up to middle class. Duration: up to 6 days for vehicle damage, vandalism or theft; up to 4 days for breakdown, wrong fuel or locked keys. For breakdown/wrong fuel/locked or damaged keys: usable a maximum of 2 times per policy year. Pick-up costs covered if collection point is within 50 km of delivery point. Not available for flat tyre, fuel shortage, or flat EV battery events.

Covers death and permanent disability of the driver and passengers resulting from a traffic accident. The Max package includes Extended accident insurance with higher insured sums than the basic coverage in the Comfort package. Basic coverage (Comfort package) covers death and permanent disability; Extended coverage (Plus/Extra/Max) covers the same events but at increased insured sums. Exact sums are stated on the individual insurance policy. Exclusions include: driver without owner's knowledge/authorisation, passengers voluntarily boarding an unregistered or uninsured vehicle with knowledge of such, intoxicated driver/passenger, suicide or self-harm.