Croatia osiguranje Casco (own-damage car insurance) (Puni Kasko)
Underwritten by Croatia osiguranje d.d. · Croatia
casco (own-damage car insurance) from Croatia osiguranje for the Croatia market, with online purchase.
Verified Aug 30, 2026 · Terms dated 2018-05-25Sources
Unique selling points
The 'Mala šteta' option lets policyholders settle one small claim per year (up to 5% of the vehicle's value) without using their full casco deductible.
Full casco customers can add a replacement vehicle benefit for use while their car is repaired at an authorized partner service.
An optional bonus-protection add-on preserves the policyholder's accumulated no-claims bonus even if a claim is reported during the insurance year.
The superbonus scheme means a customer's first claim after years of claim-free full casco coverage does not reduce their bonus.
Croatia osiguranje is Croatia's oldest and largest insurer, giving the casco product the backing of over a century of market experience.
Coverage limits
Own damage (all-risk cover)
Covered
Full casco (Puni kasko) covers all risks that may cause damage, destruction or disappearance of the insured vehicle that are not excluded by law, contract or these terms; the insurer's liability per insured event cannot exceed the sum insured, i.e. the vehicle's market value at the time the contract was concluded.
Section: ZNAČENJE POJEDINIH IZRAZA
Iznos osiguranja – iznos do kojega je stvar odnosno imovinski interes osiguran i koji predstavlja gornju granicu obveze osiguratelja po jednom osiguranom slučaju, a koji predstavlja tržišnu vrijednost vozila prilikom sklapanja ugovora.
Total loss
Covered
Total loss (vehicle destroyed, or repair uneconomical/technically impossible, or repair cost equal to or exceeding 75% of market value) is indemnified based on the vehicle's value immediately before the loss, minus the market value of the remains; the insurer's liability cannot exceed the premium calculation basis on the policy.
Section: UTVRĐIVANJE VISINE ŠTETE > Članak 21.
Kod totalne štete (uništenja ili krađe vozila) prema vrijednosti vozila u trenutku utvrđivanja visine štete, umanjenoj za tržišnu vrijednost ostatka vozila, a prema stanju vozila neposredno prije štete.
Partial damage
Covered
Partial damage is indemnified based on the cost of repair (including assembly/disassembly), reduced by the market value of replaced parts' remains; the amount may be agreed based on paid repair invoices or a settlement between the insured and CROATIA.
Section: UTVRĐIVANJE VISINE ŠTETE > Članak 21.
Kod djelomičnih šteta prema visini troškova popravka, umanjenoj za tržišnu vrijednost ostataka dijelova koji se zamjenjuju. U trošak popravka računaju se troškovi demontiranja i montiranja.
Theft and robbery
Covered
Full casco covers theft, aggravated theft, robbery and unauthorized taking of the vehicle. Cover for theft-related damage is excluded if the vehicle was not locked or theft was otherwise facilitated, and claims must be reported to the police immediately.
Section: Pokriće osiguranja
krađe vozila
Glass breakage/damage
Covered
Full casco covers breakage and damage of standard-fitted glass on the vehicle (excluding light and mirror glass, which is covered separately). This risk is also available as a standalone 'Lom stakla' partial casco combination.
Section: Pokriće osiguranja
loma i oštećenja standardno ugrađenih stakala na motornom vozilu
Natural perils / force majeure
Covered
Full casco covers fire, lightning strike, explosion, storm, hail, avalanche, aircraft crash, flood, torrent or high water (the 'Viša sila' risk group). Earthquake damage, including consequential damage caused by an earthquake, is explicitly excluded.
Section: RIZICI POKRIVENI DJELOMIČNIM KASKO OSIGURANJEM > Članak 5.
Viša sila - Požar, udar groma, eksplozija, oluja, tuča, snježna lavina, pad zračne letjelice, poplava, bujica ili visoka voda.
Vandalism
Covered
Full casco is an all-risk cover (Art. 4) and vandalism is not among the listed exclusions; Art. 9(4), covering dealer-stock vehicles, explicitly names vandalism as a risk that is excluded only during test drives, confirming it is otherwise covered under full casco.
Section: KASKO OSIGURANJE VOZILA ZA VRIJEME BORAVKA I MANIPULACIJE U PRODAJNIM PROSTORIMA I SKLADIŠTIMA > Članak 9.
Za vrijeme probne vožnje isključen je rizik krađe, provalne krađe, razbojstva i vandalizma.
Towing and vehicle recovery
Optional
No limit stated
Available only as an add-on combination contracted together with full casco: 'Vuča' covers towing, recovery and transport of a passenger car to the nearest workshop or the insured's residence, up to €926.06 per claim; 'Vuča+' covers the same for other vehicles (excluding passenger cars) up to €1,990.84 per claim.
Section: Dodatne opcije > Vuča > Uz Puni kasko
Pokriva troškove vuče i izvlačenja odnosno prijevoza osobnog automobila do najbliže radionice ili do mjesta prebivališta/sjedišta osiguranika, ako vozilo nije u voznom stanju zbog nastanka osiguranog slučaja ili dokazanog kvara, do 926,06 €.
Replacement vehicle
Optional
Optional add-on combination available only together with full casco: covers the rental cost of a replacement passenger or commercial vehicle (up to 3.5t, similar engine size up to 2,000cc) for the time needed to repair the insured vehicle, up to a maximum of 10 rental days, provided the repair is done at an authorized partner service; not available to businesses that rent out vehicles.
Section: RIZICI POKRIVENI DJELOMIČNIM KASKO OSIGURANJEM > Članak 5.
Zamjensko vozilo - Trošak najma osobnog ili teretnog vozila do 3,5 tone najveće dopuštene mase približno iste zapremine motora kao i kod osiguranog vozila, a najviše do 2.000 ccm... Naknađuje se trošak najamnog dana, ali najviše do 10 dana.
Key conditions
Driver age and experience limit
Not specified in these Terms and Conditions or the IPID.
Repair network requirements
Ordinary claims are settled based on repair cost estimates, paid invoices, or agreement between the insured and CROATIA, with no mandatory repair network; if CROATIA does not begin the damage assessment within 8 days of notification, the insured may proceed with the repair. The replacement-vehicle benefit, however, requires repair to be carried out at an authorized partner service.
Anti-theft requirements
Theft-related damage is not covered if the vehicle was not locked or if the theft was otherwise facilitated; costs for new keys or lock replacement/repair are excluded unless the keys were stolen from a locked room and reported to the police.
Claim notification deadline
The insured must report the claim immediately, and at the latest within 3 days of becoming aware of the damage, in writing, describing the destruction, damage or disappearance and its approximate value.
Deductible rules
If a deductible (franchise) is agreed for full casco, the payout is reduced by the agreed amount; if the claim is smaller than the deductible, no payout is made. Policyholders with two or more claims in one insurance year are additionally subject to a mandatory multi-claim deductible (30% of the full premium for the 2nd claim, 50% for the 3rd, 100% for the 4th, 200% for the 5th and further claims in that year), which cannot be less than HRK 2,000.
Direct payment
Premium is paid at the time the insurance contract is concluded, unless otherwise agreed; payment can be made as a lump sum or in instalments, in cash or by card.
Territorial scope
Valid in the Republic of Croatia and other Green Card System member countries at the time the insured event occurs; coverage for countries outside the Green Card System can be separately arranged.
Documents
Policy specifics
Towing and transportation service
Coverage for towing, extraction and transportation costs of personal vehicles after accident or mechanical failure
SourceSmall damage coverage
Optional add-on covering vehicle damage up to agreed sum (max 5% of vehicle value) without using full casco deductible
SourceSection: Dodatne opcije > Mala šteta
Omogućuje vam da jednu manju štetu na vozilu sanirate bez korištenja Punog kaska. Pokriva sve rizike kao i Puni kasko, ali na svotu osiguranja koja iznosi do 5% vrijednosti vozila (osnovice za obračun premije).
No-claims bonus
Multi-level bonus system with superbonus option based on claims history
SourceClause Čl. 36Page 7Section: SUPERBONUS (SAMO ZA OSOBNE AUTOMOBILE) > Članak 36.
Osiguraniku se priznaje pravo na superbonus ako je najmanje dvije (2) godine uzastopno imao osigurano vozilo s priznatim bonusom od 50% bez prijavljene štete po Punom kasku.
Franchise (deductible)
Policyholder participation in damage cost; amount set as percentage or fixed sum of vehicle value
SourceClause Čl. 19Page 3Section: SUDJELOVANJE OSIGURANIKA U ŠTETI – FRANŠIZA > Članak 19.
Ako je kod Punog kasko osiguranja ugovoreno da osiguranik sam snosi jedan dio štete (franšiza), osigurnina će se umanjiti za iznos ugovorene franšize.
Authorized service network requirement
Replacement vehicle benefit requires use of authorized partner service for repairs
SourcePogodnost mogu koristiti fizičke osobe koje imaju ugovoren Puni kasko ako je zamjensko vozilo na raspolaganju. Dostupnost zamjenskog vozila potrebno je provjeriti s odabranim partner servisom.
Driver impairment exclusion
No coverage for damage caused by driver under influence of alcohol (0.5+ per mille), drugs or narcotics
SourceClause Čl. 6, t. 26Page 2Section: ISKLJUČENJE OBVEZE CROATIJE > Članak 6.
štete nastale na vozilu ako vozilom upravlja vozač pod utjecajem alkohola, droge ili narkotika, osim za vozila rent-a-cara i kad vozilom upravlja djelatnik osiguranika ili UGOVARATELJA.
Police notification requirement for certain claims
Claims for theft, collision with animal (except birds), explosion, fire, or object damage must be reported to police
SourcePage 1Section: Što nije pokriveno osiguranjem
štete koje nisu prijavljene policiji neposredno nakon saznanja o štetnom događaju, a odnose se na ostvarenje sljedećih rizika: krađe, sudara sa životinjom (osim ptice), eksplozije, požara, pada snijega ili leda s krova zgrade ili dijelova zgrade na vozilo
Geographical coverage scope
Insurance valid in Republic of Croatia and other Green Card System member countries at time of insured event
SourcePage 2Section: Zemljopisni opseg osiguranja
Na području Republike Hrvatske i u ostalim zemljama članicama Sustava zelene karte.
Sources
- crosig.hrhttps://crosig.hr/media/ipid_-_puni_kasko.pdf#page=1(opens in a new tab)
- crosig.hrhttps://crosig.hr/media/ipid_-_puni_kasko.pdf#page=2(opens in a new tab)
- crosig.hrhttps://crosig.hr/osiguranje-vozila/auto-kasko-osiguranje/(opens in a new tab)
- media.crosig.hrhttps://media.crosig.hr/media/uvjeti_za_osiguranje_automobilskog_kaska.pdf#page=1(opens in a new tab)
- media.crosig.hrhttps://media.crosig.hr/media/uvjeti_za_osiguranje_automobilskog_kaska.pdf#page=2(opens in a new tab)
- media.crosig.hrhttps://media.crosig.hr/media/uvjeti_za_osiguranje_automobilskog_kaska.pdf#page=3(opens in a new tab)
- webshop.crosig.hrhttps://webshop.crosig.hr/ip/Resursi/Dokumenti/Uvjeti%20za%20osiguranje%20automobilskog%20kaska.pdf#page=1(opens in a new tab)
- webshop.crosig.hrhttps://webshop.crosig.hr/ip/Resursi/Dokumenti/Uvjeti%20za%20osiguranje%20automobilskog%20kaska.pdf#page=7(opens in a new tab)
Croatia osiguranje Casco (own-damage car insurance)