Euroherc
Euroherc is a motor casco insurance for the HR market with online purchase and limited assistance availability.
Direct payment
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.
Geographic scope
HR
Republic of Croatia; territorial scope details not fully evidenced in available sources
Unique selling points
- Comprehensive full casco cover including traffic accidents, theft, fire, natural disasters (hail, storm, flood), vandalism, and malicious third-party damage — all in a single policy.
- No-claims bonus of 10%–50% available based on existing casco history, rewarding careful drivers with meaningful premium savings.
- Flexible deductible (franchise) option from 1% to 5% of the new vehicle price allows policyholders to tailor premiums to their budget.
- Optional ZONA add-on provides 24/7 roadside assistance, vehicle transport, and a replacement vehicle — extending casco protection well beyond basic coverage.
- Euroherc is Croatia's first privately owned insurer and the market leader in motor insurance, with over 570 sales points across Croatia, Austria, and Italy.
Coverage limits
Own Vehicle Damage
Covered
Full casco covers destruction or damage of a vehicle in traffic accidents, including collision, impact, overturning, sliding, fall or impact of an object. Indemnity is up to the insured sum as agreed in the policy.
Total Loss
Covered
Full casco covers total destruction (total loss) of the insured vehicle. Indemnity is up to the insured value stated in the policy.
Partial Loss
Covered
Full casco covers partial damage to the insured vehicle arising from covered perils such as traffic accidents, natural perils, fire, theft-related damage, vandalism and other insured events.
Theft and Unauthorized Use
Covered
Full casco includes cover against vehicle theft and unauthorized use of the vehicle.
Glass Damage
Conditional
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
Full casco covers damage caused by natural disasters including hailstorms, storms, floods, fire, lightning strike, and explosion.
Vandalism and Malicious Damage
Covered
Full casco covers damage caused by events, protests, and malicious activity of third parties.
Roadside Assistance
Optional
Roadside assistance is not included in the standard casco policy but is available as a separate add-on through the ZONA package (roadside assistance several times per year up to EUR 199.08 or HRK 1,500; vehicle transport up to EUR 398.17 or HRK 3,000).
Replacement Vehicle
Optional
A replacement vehicle (rent-a-car) is available as an add-on through the ZONA package: usable once per year, up to 7 days, maximum EUR 53.09 (HRK 400) per day. Not included in the standard casco policy.
Driver Accident Insurance
Optional
Accident insurance for the driver and passengers is not included in the standard casco policy; it is available as an add-on through the ZONA package.
Key conditions
driver_age_experience_limit
No specific driver age or experience limit is evidenced in the available official sources for the Euroherc full casco policy.
repair_network_requirements
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
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
No specific anti-theft device requirements are evidenced in the available official sources for the Euroherc full casco policy.
claim_notification_deadline
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
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.
Policy specifics
Deductible/Franchise
Euroherc Motor CASCO offers deductible (franchise) arrangements with participation of the insured in damage.
No-Claim Bonus
Bonus available based on existing CASCO bonus history.
Traffic Accident Coverage
Full casco insurance covers destruction or damage of vehicle in traffic accidents.
Vehicle Theft Coverage
Full casco includes protection against vehicle theft.
Natural Disasters Coverage
Coverage for damage caused by natural disasters.
Vandalism and Malicious Damage
Coverage for damage caused by events, protests, or malicious third parties.
Claim Notification Deadline
Policyholder must notify insurer within 3 days of discovering insured event.
Damage Preservation Requirement
Damaged property must remain unchanged until loss appraisal.
Loss Report Form
Special loss report form must be completed and submitted for claim processing.