Extracted from source documents

Allianz Casco (own-damage car insurance) (Moj Auto Casco)

Underwritten by Allianz Hrvatska d.d. · Croatia

casco (own-damage car insurance) from Allianz for the Croatia market, with online purchase and 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2026-02-02Sources

Online purchase24/7 helpline

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

Conditional

Full Casco (Traffic Accident & Other Risks)

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.

Clause 2.1.15Page 32

Section: 2.1.15. Puno kasko osiguranje (prometna nesreća i ostali rizici)

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

Conditional

Total Loss Settlement

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.

Clause 2.7.3Page 55

Section: 2.7.3. Određivanje visine štete

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.

Conditional

Partial Damage Repair

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.

Clause 2.7.3Page 56

Section: 2.7.3. Određivanje visine štete

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

Conditional

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.

Clause 2.1.12Page 30

Section: 2.1.12. Krađa

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.

Conditional

Glass Insurance

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.

Clause 2.1.14Page 31

Section: 2.1.14. Osiguranje stakala

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:

Conditional

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.

Clause 2.1.7Page 20

Section: 2.1.7. Prirodne nepogode

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

Conditional

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).

Clause 2.1.13Page 30

Section: 2.1.13. Vandalizam

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.

Covered

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.

Clause 2.1.5Page 14

Section: 2.1.5. Osnovna pomoć na cesti

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

Conditional

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.

Clause 2.1.10Page 24

Section: 2.1.10. Proširena pomoć na cesti > Zamjensko vozilo

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

Covered

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.

Clause 2.1.6Page 20

Section: 2.1.6. Osnovno osiguranje od nezgode

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

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.

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.

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.

Territorial scope

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.

Documents

Terms of motor vehicle insurance and service guide (T2032-12) (opens in a new tab)

Terms & conditions · PDF

Moj Auto Insurance Product Information Document (2019 edition) (opens in a new tab)

Product information sheet · PDF

Moj Auto Insurance Product Information Document (2024 edition) (opens in a new tab)

Product information sheet · PDF

Package coverage overview - Comfort/Plus/Extra/Max (opens in a new tab)

Table of benefits · PDF

Policy specifics

Comprehensive Motor (Casco) Coverage

Core casco coverage protecting vehicle against damage from accidents, theft, vandalism, natural perils, and other comprehensive risks

Source

Section: 4 paketa osiguranja za još lakši odabir

Pokriva štetu na vašem vozilu koja je nastala kao posljedica nepredviđenih i iznenadnih događaja kao što su npr. sudar, izlijetanje s ceste, pad predmeta na vozilo, štete na parkingu i sl.

Legal Protection Coverage

Covers defense costs for policyholders in criminal proceedings arising from traffic accidents caused by insured vehicle

SourcePage 1

Section: Pokriće osiguranja > Paket Comfort

Pravnu zaštitu - Allianz pokriva troškove obrane vozača koji je skrivio prometnu nesreću u kaznenom postupku ako se nisu stekli uvjeti za gubitak prava iz osiguranja ili uvjeti za isključivanje iz osiguranja.

Accident Insurance (Basic and Extended)

Provides coverage for driver and passengers in case of death and/or permanent disability caused by traffic accidents

Source

Section: 4 paketa osiguranja za još lakši odabir

Osiguranje za vozača i putnike u slučaju smrti i/ili trajnog invaliditeta uzrokovanog prometnom nesrećom.

Battery 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

Source

Section: Zašto odabrati Allianz Moj Auto osiguranje?

Znamo da baterija može biti jedan od najskupljih dijelova vašeg električnog vozila. U pokriće našeg osiguranja mogu biti uključeni slučajevi oštećenja, požara ili krađe, čak i ako bateriju iznajmljujete odvojeno od automobila.

New 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

SourceClause 2.1.16Page 34

Section: 2.1.16. Osiguranje vrijednosti novog vozila (GAP)

U slučaju totalne štete (uništenja ili krađe vozila) Allianz će isplatiti iznos koji odgovara vrijednosti novog vozila bez umanjenja za procijenjenu istrošenost (amortizaciju) vozila u trenutku nastanka štete.

Territorial Scope for Casco Coverage

Casco coverage and glass insurance apply within the Republic of Croatia and the territory of Green Card System member states

SourcePage 2

Section: Zemljopisni opseg osiguranja

Osiguranje po Vašoj polici pokriva štete koje nastanu na području Republike Hrvatske i teritoriju država članica Sustava zelene karte osiguranja.

Deductible (Franchise)

Policyholder participates in damage with deductible amount; damage below deductible threshold is not paid; damage exceeding threshold is reduced by deductible amount

SourcePage 2

Section: Ograničenja pokrića > Osiguranje od šteta na Vašem vozilu - Kasko osiguranje

ukoliko je za pokrića kojima se osiguravate od šteta na Vašem vozilu ugovoreno sudjelovanje osiguranika u svakoj šteti (franšiza), u slučaju štete naknada će se umanjiti za ugovoreni iznos sudjelovanja u šteti.

Coverage 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

SourcePage 2

Section: Raskid ugovora > Prodaja vozila

Prodaja vozila - ako prodate svoje vozilo, osiguranje od automobilske odgovornosti ostaje na snazi do isteka ugovora, odnosno police. Policu osiguranja preuzima novi vlasnik zajedno s vozilom. Sva ostala osiguranja iz vašeg paketa na polici prestaju vrijediti u ponoć dana kupoprodaje vozila.

Bonus Protection Coverage

Optional coverage allowing policyholders to retain accrued bonus (discount) even if claim occurs during policy year; maintains bonus status upon renewal

Source

Section: Moj auto - Česta pitanja

Ukoliko se dogodi šteta po polici za koju je plaćen doplatak za zaštitu bonusa, prilikom obnove police u Allianzu zadržat ćete svoj stečeni bonus.

Claim 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

Sources

Allianz Casco (own-damage car insurance)

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