Euroherc Casco (own-damage car insurance) (Casco)
Underwritten by Euroherc osiguranje d.d. · Croatia
casco (own-damage car insurance) from Euroherc for the Croatia market, with online purchase.
Verified Aug 30, 2026 · Terms dated 2019-06-10Sources
Key facts
- Euroherc
Unique selling points
No-claims bonus of up to 50% for policyholders with five or more consecutive claim-free years.
Option to protect an accumulated bonus against a single claim in a policy year by paying an additional premium.
New-value replacement option pays 100% of the original purchase price on a total loss occurring within 12 months of first registration.
Towing and recovery costs, normally capped at 7,500-15,000 HRK, can be upgraded to unlimited coverage for a 10% premium surcharge.
Optional territorial extension beyond Europe to Morocco, Moldova, Tunisia, Israel, Azerbaijan and Iran.
Coverage limits
Own Damage / Traffic Accident Coverage
Covered
Under PUNO (full) casco, damage from traffic accidents and external impacts to the vehicle in motion or at rest is covered (Article B.4(1) items 1.1 and 1.4). Compensation is based on the vehicle's purchase/replacement value, less any agreed deductible.
Section: B. Vrste kasko osiguranja > B.4. Osigurani rizici
1.1. prometne nesreće (33) (24) 1.4. udara u vozilo (41)
Total Loss
Covered
A total loss exists when the vehicle is destroyed, disappears (theft not recovered within 30 days), or estimated repair costs equal/exceed 75% of market value (Article E.2). EUROHERC pays the replacement value of an equivalent vehicle minus deductible and salvage value. If additionally agreed (with 8% premium surcharge), a total loss within 12 months of first registration is compensated at 100% of the original purchase price (new-value compensation), for M1/N1 vehicles excluding increased-risk vehicles.
Section: E. Šteta > E.2. Utvrđivanje totalne štete
EUROHERC u slučaju totalne štete nadoknađuje onaj novčani iznos koji bi osiguranik imao da nabavlja vozilo iste vrste i kvalitete u istom stanju istrošenosti u vrijeme nastanka osiguranog slučaja (vrijednost zamjene vozila), umanjen za iznos ugovorenog samopridržaja (franšize) i umanjen za iznos nadoknadive vrijednosti ostatka olupine odnosno ostatka vrijednosti.
Partial Loss / Repair Costs
Covered
Where repair is technically feasible and economically justified, EUROHERC covers repair costs, reduced by the market value of replaced parts; dismantling, assembly and transport of parts are included. No amortization deduction applies except for new tyres, batteries or tarpaulins (Article E.3).
Section: E. Šteta > E.3. Utvrđivanje djelomične štete
U slučaju kada je na vozilu nastala djelomična šteta, utvrđeni iznos troškova popravka umanjuje se za tržišnu vrijednost dijelova koji se zamjenjuju. U trošak popravka uračunavaju se i troškovi demontiranja, montiranja i možebitni troškovi prijevoza dijelova.
Theft and Robbery
Covered
Both PUNO and DJELOMIČNO casco cover theft, aggravated theft, robbery and unauthorized use of the vehicle (Article B.4(1).1.2 and B.4(3).3.8). The vehicle is deemed stolen if it is not found within 30 days of reporting to the police. Optional add-on: theft of technical/electronic devices in M1-category vehicles via forced entry, up to €1,327.23 (HRK 10,000, pre-euro 2019 terms) per claim.
Section: B. Vrste kasko osiguranja > B.4. Osigurani rizici
1.2. krađe ili neovlaštene uporabe vozila (9) (14)
Glass Breakage
Covered
Under DJELOMIČNO (partial) casco, breakage of windscreen, side or rear glass and sunroof glass is covered regardless of cause (Article B.4(3).3.4), as is breakage of lights and mirrors (3.5). Under PUNO (full) casco, glass breakage is only compensated as a consequence of a named covered peril (e.g. impact, traffic accident), since risks not listed on the policy are deemed uninsured (Article B.4(4)).
Section: B. Vrste kasko osiguranja > B.4. Osigurani rizici
3.4. loma stakla - svaki lom i/ili oštećenje vjetrobranskog, bočnog ili stražnjeg stakla, staklenog pomičnog ili nepomičnog krovnog otvora osiguranog vozila bez obzira na uzrok, osim stakala na svjetlima i zrcala (11)
Natural Perils
Covered
PUNO casco covers direct lightning strike, rockfall, landslide, avalanche, snow pressure, hail, and storm (wind over 62 km/h), plus torrents, water outflow, floods and high/underground water (Article B.4(1).1.6-1.7). DJELOMIČNO casco covers only lightning and hail (Article B.4(3).3.9).
Section: B. Vrste kasko osiguranja > B.4. Osigurani rizici
1.6. djelovanja prirodnih sila: izravno djelovanje groma, odrona stijene, pada stijene, klizanja tla, lavine, pritiska snijega, tuče, oluje (vremenski povezano kretanje zraka više od 62 km/h)
Vandalism
Covered
Malicious damage or destruction of the insured vehicle by a third party is covered under both PUNO (Article B.4(1).1.3) and DJELOMIČNO (Article B.4(3).3.3) casco.
Section: B. Vrste kasko osiguranja > B.4. Osigurani rizici
1.3. vandalizma (45)
Towing and Recovery Costs
Covered
EUROHERC covers towing/recovery of the damaged vehicle to the nearest workshop for temporary or final repair, up to €995.42 (HRK 7,500, pre-euro 2019 terms) for passenger cars and motorcycles, and up to €1,990.84 (HRK 15,000) for other vehicles (Article E.5(1).1.1). This limit can be upgraded to unlimited coverage of these costs for an additional 10% premium surcharge (Article J.6(1).1.4).
Section: E. Šteta > E.5. Nadoknada troškova
troškove izvlačenja, vuče ili prijevoza oštećenog vozila do najbliže radionice radi privremenog ili konačnog popravka za osobna vozila i motocikle najviše do 7.500,00 kn, a za ostala vozila najviše do 15.000,00 kn
Replacement Vehicle
Excluded
The cost of a replacement/rental vehicle is explicitly excluded from coverage under this casco insurance (Article G.3(1).1.6).
Section: G. Šteta / isključenja > G.3. Isključeni troškovi
1.6. trošak zamjenskog vozila
Key conditions
Driver age and experience limit
The terms do not set a specific driver age or experience limit for casco coverage; premium surcharges instead apply based on vehicle usage risk category (e.g. rent-a-car, taxi, courier), not driver age.
Repair network requirements
Claims settlement is based on natural restitution (repair), and EUROHERC has the right to determine the repair location or organize and carry out the repair itself; if the insured disagrees, EUROHERC may instead pay a cash settlement (Article E.1).
Anti-theft requirements
The insured/user must lock the vehicle, close windows and latches (raise the roof on convertibles), activate anti-theft devices, remove unattached/visible items and registration documents when leaving the vehicle, and keep keys and registration documents where they are not easily accessible to third parties; mechanical/electronic keys and remote controls must not be left in the vehicle (Article H.1(2).8-2.9).
Claim notification deadline
The insured must report the insured event to EUROHERC within one week from the occurrence or from becoming aware of it, with as precise a description of the facts as possible (Article H.2(1).1.3).
Deductible rules
A contracted deductible (franšiza) is agreed in a nominal monetary amount, which may not be less than 1,200 HRK unless otherwise agreed (Article I.1(1)). Regardless of the contracted deductible, a mandatory escalating deductible applies for repeat claims within one insurance year: 15% of the claim (min 1,000/max 5,000 HRK) for the 2nd claim, 30% (min 3,000/max 10,000 HRK) for the 3rd, and 50% (min 5,000/max 20,000 HRK) for the 4th and subsequent claims; the mandatory deductible is applied first, then the contracted deductible on the remainder (Article I.1(2)-(3)). Note: the insurer's product page separately advertises deductible options expressed as 1-5% of the new vehicle price, which differs from the nominal-amount mechanism set out in the T&Cs.
Direct payment
Claims are settled primarily via natural restitution (repair of the vehicle), with EUROHERC entitled to determine or organize the repair location; a cash settlement is possible if the insured disagrees with the repair procedure.
Territorial scope
Coverage extends to the geographic area of Europe, i.e. Green Card System countries or EEA member states; coverage can be additionally extended to Morocco, Moldova, Tunisia, Israel, Azerbaijan and Iran for an extra premium (10% surcharge).
Documents
Policy specifics
Franchise (Deductible)
Optional deductible for more favorable premiums, arranged as percentage of vehicle price
SourceSection: MOTOR CASCO INSURANCE > Full casco
Euroherc offers you the possibility of arranging motor vehicle casco insurance with a franchise, i.e. with the participation of the beneficiary in damage. The franchise can be arranged in amounts of 1%, 2%, 3%, 4%, 5% of the price of a new vehicle burdened with customs and taxation.
Traffic Accident Coverage
Covers destruction or damage from collisions, impacts, overturning, skidding
SourceSection: MOTOR CASCO INSURANCE > Full casco
destruction or damage of a vehicle in traffic accidents (collision, impact, overturning, sliding), fall or impact of an object
Vehicle Theft Coverage
Covers total or partial theft of vehicle
SourceSection: MOTOR CASCO INSURANCE > Full casco
vehicle theft
Natural Disaster Coverage
Covers damage from hail, storms, flooding and lightning strikes (earthquake damage is excluded)
SourceClause G.1.(2.17)Page 17Section: G. Šteta/isključenja > G.1. Isključeni rizici iz osigurateljnog pokrića
štete koje su povezane s pobunama, unutarnjim nemirima, ratnim događajima, odlukama više vlasti i potresa
Vandalism and Malicious Damage Coverage
Covers intentional damage to vehicle by third parties
SourceSection: MOTOR CASCO INSURANCE > Full casco
malicious activity of third parties
Claims Settlement Procedure
Claims must be submitted to Euroherc branch office that issued the policy
SourceSection: WHAT TO DO IN CASE OF A ROAD ACCIDENT?
If you have purchased a Motor Casco Insurance for your vehicle with Euroherc, in the case of an accident or another insured event causing damage to your vehicle, you must submit your claim to the Euroherc branch office which issued your insurance policy.
Bonus Discount System
10-50% bonus available based on existing casco bonus or vehicle liability bonus history
SourceSection: MOTOR CASCO INSURANCE > Full casco
10% – 50% bonus on the basis of existing casco bonus
Loss Report Form Requirements
Special loss report form must be obtained from loss reporting center; original policy, vehicle registration, driving license copies required
SourceSection: WHAT TO DO IN CASE OF A ROAD ACCIDENT?
The loss report form is a special form which can be obtained from any loss reporting centre. In order for us to be able to process your claim as quickly as possible, please complete your loss report form carefully and submit it to us along with the following documents: the original copy of the Casco insurance policy, for inspection a copy of the registration card for the damaged vehicle a copy of your driving license (if the vehicle was moving at the moment the loss occurred)
Sources
- euroherc.hrhttps://www.euroherc.hr/en/claims/(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=10(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=11(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=14(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=15(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=16(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=18(opens in a new tab)
- mojeosiguranje.hrhttps://www.mojeosiguranje.hr/assets/docs/euroherc/provos_EH%20Uvjeti%20za%20kasko%20osiguranje%20Cestovnih%20vozila_2019.pdf#page=4(opens in a new tab)