Croatia osiguranje
Croatia osiguranje is a motor casco insurance for the HR market with online purchase and limited assistance availability.
Direct payment
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.
Geographic scope
HR
Republika Hrvatska i sve države članice Sustava zelene karte; pokriće za države izvan Sustava zelene karte moguće posebno ugovoriti
Unique selling points
- All-risk comprehensive cover (Puni kasko) protects against every non-excluded peril including traffic accidents, theft, vandalism, and all natural perils in a single policy.
- AI-powered vehicle damage assessment in just 3 minutes, with fully digital self-service claims filing available to Zagreb customers without any paper documentation.
- Superbonus protection: policyholders who maintain the maximum 50% bonus for at least two consecutive claim-free years earn the right to a first paid claim without any bonus reduction.
- Replacement vehicle at no extra cost while the car is being repaired at an authorised partner workshop – a benefit available to individual (b2c) comprehensive policyholders subject to availability.
- Croatia osiguranje holds a Fitch IFS rating of A- (stable), making it the first insurance undertaking in Croatia to receive an external financial strength rating, underpinning its claims-paying ability.
Coverage limits
Own damage (all risks)
Covered
Comprehensive (Puni kasko) covers all risks that may cause damage, destruction or disappearance of the insured vehicle that are not excluded by law, contract or the policy conditions. This includes traffic accidents (collision, impact, rollover, skidding), vandalism, fire, theft, natural perils and all other non-excluded perils. The upper limit of the insurer's liability cannot exceed the premium calculation basis stated on the policy.
Total loss (constructive/actual)
Covered
Total loss is defined as damage where repair is economically unviable or technically unfeasible, or where repair costs equal or exceed 75% of the vehicle's market value at the time of damage assessment. Compensation is calculated as the vehicle's market value immediately before the loss less the market value of salvage. The upper ceiling of the insurer's liability is the premium calculation basis shown on the policy.
Partial loss (repair costs)
Covered
For partial losses, damage is assessed based on actual repair costs less the market value of replaced parts. Costs of disassembly and reassembly are included. Where worn items such as batteries, tyres, exhaust components, radio equipment, tarpaulins or LPG equipment are replaced, a deduction for wear is applied. No additional costs arising from improvements or modifications made during repair are reimbursed.
Theft and robbery
Covered
Theft is defined as unauthorised taking of another's vehicle including theft, aggravated theft (break-in), robbery, and robber theft. Coverage applies up to the vehicle market value at time of loss less salvage value. Excluded: theft where the vehicle was left unlocked or theft was otherwise facilitated. Loss of ignition keys is not covered unless stolen from a locked premises with mandatory police report.
Glass damage (windscreen and windows)
Covered
Comprehensive coverage includes breakage and damage to standardly installed glass on the vehicle (windscreen, side windows, rear window, roof glass) excluding glass on lights and mirrors. Lights and mirrors are covered as a separate partial-casco add-on ('Svjetla i zrcala'). Glass damage claims do not affect the no-claims bonus.
Natural perils (storm, hail, flood, lightning, etc.)
Covered
Comprehensive coverage includes fire, lightning strike, explosion, storm (wind >17.2 m/s / 62 km/h), hail, avalanche, falling aircraft, flood, torrents or high water. Earthquake damage is explicitly excluded. Hail claims do not affect the no-claims bonus.
Vandalism and malicious damage
Covered
Full comprehensive (Puni kasko) covers all non-excluded perils including vandalism and malicious third-party damage, as it covers all risks that can cause damage to the insured vehicle unless explicitly excluded. Vandalism is explicitly excluded from vehicle stock (showroom) insurance during test drives.
Roadside assistance / towing (Vuča add-on)
Optional
Towing and transport of the personal car to the nearest workshop capable of performing temporary or final repair, or to the insured's place of residence/headquarters if the vehicle is not roadworthy due to an insured event or proven mechanical failure. Covered up to HRK 7,000 per event for personal cars (Vuča); up to HRK 15,000 per event for other vehicles (Vuča+). This is a paid optional add-on that must be contracted together with full comprehensive cover. Towing costs are otherwise excluded from the base policy.
Replacement vehicle (rental car during repair)
Optional
Optional add-on (Zamjensko vozilo) covering the rental cost of a personal or commercial vehicle up to 3.5 tonnes with an engine displacement approximately equal to the insured vehicle, maximum 2,000 cc, if the insured vehicle is damaged by any full comprehensive risk. Rental is covered for the duration of necessary repair as determined by Croatia osiguranje based on work norms (1 day = 8 working hours), up to a maximum of 10 rental days. Cannot be contracted by persons engaged in vehicle rental business. Available only to natural persons (b2c) who have full comprehensive cover, subject to availability at the authorised partner workshop.
Driver accident insurance (personal accident)
Optional
Optional add-on to the casco policy covering the driver (and passengers) in the event of a traffic accident resulting in permanent disability or death. Provides compensation for permanent disability and a death benefit to legal heirs. Specific sum insured and premium depend on the chosen cover level. Available as an add-on to the casco or to the MTPL policy.
Key conditions
driver_age_experience_limit
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.
repair_network_requirements
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.
territorial_scope
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.
anti_theft_requirements
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.
claim_notification_deadline
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.
deductible_rules
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).
Where to buy
Policy specifics
Tow and transportation costs
Coverage for towing and transport of vehicle to nearest repair shop or place of residence if vehicle is not roadworthy due to insured event, with limits up to 1,990.84 EUR for vehicles other than personal cars and 926.06 EUR for personal automobiles
Glass breakage and damage
Coverage for breakage and damage to standard installed glass on vehicle, including roof glass, and damage to lights and mirrors
Animal collision damage
Coverage for damage or destruction of vehicle from collision with animal, excluding cases where damage resulted from attempt to avoid animal collision
Weather damage coverage
Coverage for damage from fire, lightning strike, explosion, storms, hail, avalanche, falling aircraft, flooding, torrents or high water
Deductible (Franchise) system
In Comprehensive coverage, if policyholder agrees to participate in loss coverage (deductible), premium is reduced by deductible amount. For claims smaller than deductible, no compensation is paid. For claims exceeding deductible, compensation equals claim amount minus deductible.
No-claim bonus system
Bonus is granted on Comprehensive coverage premium when no compensation claims have been paid during insurance period. Bonus increases by 10 percentage points annually after year without claims.
Premium calculation basis
Base for premium calculation is new purchase value of vehicle (novonabavna vrijednost vozila)
Policy duration and termination
Standard contract duration is one year unless otherwise agreed. Contracts concluded for more than 5 years cannot be terminated before expiry. For contracts under 5 years, each party may terminate with specified notice period. For indefinite contracts, either party may terminate on premium due date with three months written notice.
Claims notification requirement
Policyholder must notify insurer of insured event immediately and no later than three days from knowledge of damage, in written form with specified damages, injuries or disappearance and approximate value
Change of vehicle ownership
Upon change of vehicle ownership, insurance contract terminates at end of 24 hours from issuance of bill or document certifying sale agreement