Motor casco
7 insurers with verified coverage data
Build a multi-insurer comparison
Comparison builder
Build a multi-insurer comparison
Select up to 4 insurers and compare them row by row. The matrix helps shortlist; each column still links to a full detail page.
Selected insurers 4/4
Add insurers to the matrix
25 of 26 rows shown
| Feature / category | ADRIATIC May 13, 2026 Open details | Allianz May 13, 2026 Open details | Croatia osiguranje May 13, 2026 Open details | Euroherc May 13, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | ADRIATIC osiguranje d.d. | Allianz Hrvatska d.d. | Croatia osiguranje d.d. | EUROHERC osiguranje d.d. |
Online purchase | No | Yes | Yes | Yes |
24/7 helpline | Not available | Yes | No | No |
Billing basis | annual | annual | annual | annual |
Unique selling points |
|
|
|
|
IPID | IPID | IPID | IPID | Not available |
Terms & conditions | ||||
| Coverage | ||||
Own damage | Covered | Covered | unlimited | Covered |
Total loss | Covered | Covered | Covered | Covered |
Partial loss | Covered | Covered | Covered | Covered |
Theft & robbery | Covered | Covered | unlimited | Covered |
Glass damage | Covered | Covered | unlimited | Glass damage is covered under the full casco policy to the extent that it results from a covered peril (e.g. natural disaster such as hail, or traffic accident). Stand-alone glass protection is available as an add-on to the MTPL policy ("zaštita stakla"). Coverage specifics under the casco policy itself are not individually itemised in available official sources. |
Natural perils | Covered | Covered | unlimited | Covered |
Vandalism | Covered | Covered | unlimited | Covered |
Roadside assistance | €1,000 | Covered | Optional | Optional |
Replacement vehicle | Excluded | Covered | Optional | Optional |
Driver accident | Excluded | Covered | Optional | Optional |
| Key conditions | ||||
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. | No explicit minimum driver age or minimum experience requirement is specified in the policy terms or IPID. However, the policyholder must ensure the driver holds a valid driving licence of the applicable category. Driving without a valid licence is a ground for recourse by Allianz against the responsible party. | No specific minimum driver age or experience requirement is stated in the policy conditions. However, driving without a valid licence is an excluded peril: a driver is deemed to lack a valid licence whenever at the time of the incident they were not permitted to drive the vehicle under the Road Traffic Safety Act, not only regarding the licence category obtained but also any restrictions within that category. A driver whose licence has expired but who has not lost the right to renew it is not considered unlicensed. | No specific driver age or experience limit is evidenced in the available official sources for the Euroherc full casco policy. |
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. | For casco claims, the insured may choose between repair at an Allianz contracted partner workshop (with Allianz paying the workshop directly) or a cash settlement paid to the insured. If the insured chooses a non-partner workshop, the claim amount is calculated based on the damage assessment and paid to the insured's bank account. Allianz is entitled to give detailed guidance on selecting an appropriate workshop. | No mandatory repair network requirement exists for the standard comprehensive policy. The insurer has the right to supervise repair of the damage and to require that the damage assessment or repair invoice be reviewed and confirmed by the insurer's assessor. The optional replacement vehicle benefit is only available at authorised partner workshops. | Damage must remain unchanged until the loss appraisal process is carried out by the insurer's representative. Repair can be compensated on the basis of a repair invoice or by settlement, as selected by the policyholder on the loss report form. |
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). | Casco coverage (natural perils, fire, theft, vandalism, glass, full casco) is valid in the Republic of Croatia and all member states of the Green Card System (all EU member states, Switzerland, Bosnia and Herzegovina, Montenegro, Serbia, North Macedonia, and other member states). Accident and casco coverage also applies in Kosovo. Roadside assistance is valid in all EU member states plus Bosnia and Herzegovina, Montenegro, Serbia, North Macedonia, Andorra, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Vatican, European Turkey, and the Greek part of Cyprus (excluding Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia and Ukraine). | Insurance is valid in the Republic of Croatia and in all countries that are members of the Green Card System at the time the insured event occurs. Coverage for countries outside the Green Card System may be arranged separately. | The territorial scope of the Euroherc full casco policy is not fully specified in the available official sources. The ZONA add-on covers Croatia, Bosnia and Herzegovina, Slovenia, Austria, Italy, Hungary, and Serbia and Montenegro. |
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. | The vehicle must be locked for theft coverage to apply. Theft is not covered if the vehicle was not locked or if the theft was facilitated in any other way. For audio/video/telecom equipment theft coverage, there must be evidence of forced entry. Allianz recommends always activating any installed anti-theft system. | No specific anti-theft device requirement (alarm, immobiliser, GPS tracker) is stated as a condition of coverage in the policy terms. However, theft is excluded if the vehicle was left unlocked or if theft was facilitated in any other way. Theft of keys is not covered unless stolen from a locked premises with a mandatory police report filed. | No specific anti-theft device requirements are evidenced in the available official sources for the Euroherc full casco policy. |
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. | The insured must report the claim to Allianz without delay. Allianz recommends reporting within 24 hours of the event or of becoming aware of it, in order to ensure the fastest possible processing and payment. In cases involving police (fire, explosion, theft, vandalism, burglary, robbery, traffic accident with injury/fatality or with other vehicles involved, or animal collision), the insured must notify Allianz within 24 hours of learning of the police report and attach the police report. For vehicle theft, the insured must provide: police report, police confirmation that the vehicle has not been found, all vehicle keys, proof of ownership, and confirmation of vehicle deregistration. | The insured must immediately, and no later than within 3 days of learning of the insured event, notify the insurer in writing, stating the destruction, damage or disappearance of items and their approximate value. Traffic accidents must be reported to the competent police station in accordance with the Road Traffic Safety Act. Certain perils (theft of vehicle or parts, animal collision except with birds, damage from snow/ice falling from buildings, explosion, fire) must be reported to the police immediately upon becoming aware of the event. Failure to fulfil notification obligations obliges the insured to compensate the insurer for any resulting loss. | The policyholder must notify the insurer within 3 days of discovering the insured event, otherwise the policyholder will be solely responsible for any extra costs. The verbal report must be confirmed in writing within 3 days at the latest. |
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. | Three types of deductibles apply to casco coverages (Plus, Extra, Max packages), with only the highest applicable at any given time: (1) Mandatory 50% deductible until the digital vehicle photo inspection is successfully completed (photos must be submitted within 15 days of policy issuance; failure to submit within 15 days may result in cancellation of all casco coverages); (2) Mandatory deductible from the second and each subsequent claim within one insurance year: 2nd claim €240, 3rd claim €480, 4th claim €1,200, 5th and subsequent claims €2,400; (3) Optional voluntary deductible applicable from the first claim, as specified on the policy, granting a lower premium. Deductibles are not cumulative — only the highest applicable deductible is used. Exception: when Allianz covers repair costs instead of glass replacement (for repairable glass damage), no deductible applies. | Voluntary deductible (franšiza): If agreed at policy inception, the indemnity is reduced by the agreed deductible amount. For claims below the deductible no payment is made; for claims above, the payment equals the claim minus the deductible. If a per-claim deductible is agreed for every loss, the mandatory multi-loss deductible (Article 12) does not apply. Mandatory multi-loss deductible: Applies under full comprehensive when 2 or more claims occur on the same insured vehicle in one policy year. Deduction is a percentage of full gross premium (before bonus, surcharges, discounts): 2nd loss 30%, 3rd loss 50%, 4th loss 100%, 5th and each further loss 200%. Minimum mandatory deductible per event is HRK 2,000 (now approximately EUR 265). | A deductible (franchise) can optionally be arranged in amounts of 1%, 2%, 3%, 4%, or 5% of the price of a new vehicle including customs and taxes. The franchise is the amount stipulated in the contract up to which damage is not reimbursed even if otherwise covered. Arranging a franchise results in a more favourable premium. |
| Proof and next steps | ||||
Direct payment policy | ADRIATIC performs natural restitution (restoring the insured vehicle to its pre-loss condition) or pays the corresponding monetary amount for damage, including other justified costs. ADRIATIC has the right to determine the repair location or organise and carry out the vehicle repair. | For casco damage, the insured may choose cash settlement paid directly to the policyholder or repair through Allianz contracted partner workshops (with Allianz paying the repair workshop directly). In case of repair at a non-partner workshop, the agreed claim amount is transferred to the insured's bank account. Settlement is made within 2 business days of agreeing the settlement amount. | Insurer is obliged to assess and estimate the damage in the shortest possible time from receipt of the written claim notification. If the insurer does not proceed with damage assessment within 8 days of claim notification, the insured may begin assessment and remediation provided evidence of the insured event and extent of damage is secured in advance. Indemnity must be paid within 14 days of notification that the insured event occurred, or within 30 days of the claim request if additional time is needed to determine the liability or its amount. | Damage can be compensated either on the basis of a repair invoice or by settlement (nagodbom). The policyholder selects the preferred method on the loss report form. |
Last verified | May 13, 2026 | May 13, 2026 | May 13, 2026 | May 13, 2026 |