Generali

driver_age_experience_limit

No explicit minimum driver age or driving experience requirement is stated in the policy terms. However, premium discounts are available for experienced drivers based on age group. Coverage is lost while the vehicle is driven by a person without a valid and appropriate driving licence for that vehicle type, or by a person whose licence has been temporarily revoked by the competent authority. Exception: coverage remains valid for learner drivers under an official training programme and for employees of the insured who permit an unlicensed person to drive.

repair_network_requirements

The insured may have the vehicle repaired at any workshop in Croatia of their own choice. The key requirement is that a damage inspection (izvid) must be conducted by the insurer beforehand, and the repair workshop must issue an invoice based on that inspection. The insured sum compensation may be agreed on the basis of a repair cost estimate in Croatia. Repairs abroad are excluded from coverage (Article 29(1) item 24), except for temporary repairs abroad to allow continuation of travel.

territorial_scope

Coverage is valid throughout European countries. For Turkey, only the European part is covered. For Russia, coverage applies only in the territory from the border with a European country up to the 55th meridian. Vehicles with foreign registration plates, trial plates, and vehicles of companies engaged in construction/assembly works are covered only within Croatia unless a special premium surcharge is agreed. EU extra-European territories are also covered.

anti_theft_requirements

Coverage for theft is lost if the vehicle was not locked and closed (for convertibles: retractable roof lowered and windows closed) or if the theft was facilitated in another way. After reporting theft, the insured must be able to provide the insurer with the original vehicle keys and registration certificate; failure to do so results in loss of claim rights. For items additionally insured under Article 24(4), theft is not covered unless there are signs of forced entry into the vehicle.

claim_notification_deadline

The insured must immediately take all available measures to mitigate the loss, and must notify the insurer of any loss immediately upon learning of it, followed by written notification within a maximum of 3 days from the date of knowledge. For theft, robbery or unlawful taking, the incident must be reported to the police and the insurer within 24 hours of learning of it. The insured must preserve the damaged items unchanged until the insurer's representative arrives, unless a change is required in the public interest or to reduce further loss.

deductible_rules

The deductible (franchise) is a deductible excess per loss event. When contracted, the insurer reduces the claim payment by the deductible amount. If multiple deductibles apply to a single loss event, each is calculated separately on the full loss and the total is deducted. Progressive mandatory additional deductible applies for multiple claims during the policy period: 1st claim – no additional deductible; 2nd claim – +30% of base full-casco premium (minimum 132.72 EUR); 3rd claim – +50% (minimum 132.72 EUR); 4th claim – +100% (minimum 132.72 EUR); 5th and subsequent – +200% (minimum 132.72 EUR). For foreign-registered vehicles, mandatory deductible of 25% of loss amount (minimum 132.72 EUR). A premium discount of up to 18% is available for voluntarily choosing a deductible. Partial casco deductible applies only if expressly agreed for partial casco; full casco deductible does not automatically apply to partial casco.

Full Casco Damage Coverage

Covers damage to the insured vehicle from sudden and unexpected events including traffic accidents, theft, fire, natural disasters, and collision with animals or objects

Glass Damage Coverage

Optional complementary coverage for damage or breakage of standard-installed glass on the vehicle (windscreen, side and rear windows), excluding lights and mirrors

Deductible (Franchise)

The insured party bears a portion of the damage up to the agreed franchise amount. Multiple damage surcharge applies (up to 200% of basic premium for 5th and subsequent claims).

Rental Vehicle Option

Optional coverage allowing use of rental vehicle while own vehicle is being repaired at authorized partner service. Limited to 5 days maximum with 10% coinsurance.

Road Assistance Coverage

Optional complementary coverage providing organizational or financial assistance in case of vehicle breakdown, traffic accident, lost keys, locked keys in vehicle, or fuel depletion

Accident Insurance

Optional coverage providing agreed compensation amounts in case of permanent disability or death resulting from traffic accident while driving the vehicle (from 29.40 HRK / 3.90 EUR annually)

Territorial Coverage - Europe

Insurance coverage valid within geographical boundaries of European countries and extra-European territory falling within EU jurisdiction

Vehicle Repair Conditions

Insured can choose between repair at authorized partner service with invoice or repair without invoice (pogodba) with damage assessment. Repair cost covers dismantling and reassembly costs.

Driver License Requirement

Insured loses coverage rights while vehicle is operated by person without valid driver's license for that vehicle type, or whose license has been suspended by authorities

Claim Assessment Timeline

Insurer must begin damage assessment and evaluation within 5 working days from receipt of written claim notification

Premium Payment Terms

Full amount or first installment must be paid at policy inception. Subsequent installments due as specified on policy. Payment methods: cash, debit/credit card, bank transfer, standing order.

Governing Law and Jurisdiction

Contracts governed by Croatian law. In case of dispute, Zagreb court has jurisdiction. Insurance under supervision of Croatian Financial Regulator (HANFA).