Groupama Casco (own-damage car insurance) (Kasko Osiguranje)
Underwritten by Groupama osiguranje d.d. – Podružnica Hrvatska · Croatia
casco (own-damage car insurance) from Groupama for the Croatia market, with online purchase.
Verified Aug 30, 2026 · Terms dated 2026-06-18Sources
Key facts
- Groupama
Unique selling points
Damage to a parked vehicle caused by an unknown third party is covered under the standard full casco policy, rather than being excluded as is common with many competitors.
Theft, robbery and malicious third-party acts are included in the base full casco cover rather than sold as a separate paid combination.
The voluntary deductible is a fixed amount known in advance and chosen by the customer, giving direct control over the premium level.
Each claim is assigned a dedicated case handler ('Voditelj obrade štete') who guides the customer through the entire claims process.
Claims caused by natural perils (storm, hail, flood, earthquake) do not reduce the policyholder's accumulated no-claim bonus.
Coverage limits
Own damage to the insured vehicle
100% of insured sum
The insurer indemnifies established damage in full, up to the value of the insured vehicle or the insured amount stated in the policy (novonabavna vrijednost).
Total loss
100% of insured sum
A loss is treated as total when repair is economically unviable, technically unfeasible, or repair costs equal or exceed 70% of the vehicle's actual value on the date the loss is assessed; indemnity is based on the vehicle's value immediately before the loss, less salvage value.
Section: ŠTETA, PROCJENA I ISPLATA OSIGURNINE > 25. UTVRĐIVANJE VISINE OSIGURNINE
Ako se osigurani slučaj dogodio zbog ostvarenja rizika krađe ili je nastala totalna šteta, visina osigurnine utvrđuje se na način da se vrijednost vozila neposredno prije oštećenja umanji za: - tržišnu vrijednost ostataka osigurane stvari, uzimajući u obzir stanje te stvari neposredno prije nastanka osiguranog slučaja
Partial damage
100% of insured sum
Damage that is not total loss is indemnified on the basis of repair cost, less the value of replaced-part residuals, including disassembly, reassembly and transport costs, subject to any deductible.
Section: ŠTETA, PROCJENA I ISPLATA OSIGURNINE > 25. UTVRĐIVANJE VISINE OSIGURNINE
Kod oštećenja predmeta osiguranja na kojem je nastala djelomična šteta, visina osigurnine utvrđuje se na osnovi: - stvarnih troškova popravka vozila, umanjeno za tržišnu vrijednost zamijenjenih dijelova
Theft and robbery
100% of insured sum
Theft of the insured vehicle or its component parts is covered under the standard (full) casco policy, up to the insured value; keys to the vehicle are explicitly excluded from this cover.
Section: POKRIĆA, RIZICI, ISKLJUČENJA > 5. OSIGURANI RIZICI PUNOG KASKO OSIGURANJA
krađa osiguranog predmeta tj. vozila ili njegovih sastavnih dijela (osim ključeva vozila);
Glass breakage/damage
€2K
Breakage or damage to standard-fitted glass (excluding light-fitting and mirror glass) can be separately insured under Combination D (which also covers damage from collision with wildlife or domestic animals) or Combination E (glass only), each capped at EUR 2,000 per insurance year regardless of the number of claims.
Section: PREMIJA, VRIJEDNOST VOZILA I FRANŠIZA > 8. DJELOMIČNO KASKO OSIGURANJE
Lom ili oštećenje standardno ugrađenih stakala na motornom vozilu, osim stakala svjetlećih tijela i ogledala... Limit: do 2.000 EUR tijekom osigurateljne godine, bez obzira na broj osiguranih slučajeva.
Natural perils
100% of insured sum
Storm, hail, snow avalanche, earthquake (seismographically registered at 6+ EMS, all damage within 72 consecutive hours treated as one event), lightning strike, and flood/torrent/high water are covered under the standard full casco policy.
Section: POKRIĆA, RIZICI, ISKLJUČENJA > 5. OSIGURANI RIZICI PUNOG KASKO OSIGURANJA
10. potres; ... Sve štete uzrokovane istim potresom i njegovim naknadnim podrhtavanjima, nastale unutar 72 uzastopna sata od početka potresanja tla, smatraju se jednim osiguranim slučajem.
Vandalism and malicious acts
100% of insured sum
Malicious acts or wanton behaviour of third parties causing damage to the insured vehicle are covered under the standard full casco policy.
Section: POKRIĆA, RIZICI, ISKLJUČENJA > 5. OSIGURANI RIZICI PUNOG KASKO OSIGURANJA
4. zlonamjerni postupci ili obijest trećih osoba;
Roadside assistance (Groupama Asistencija)
€200 – €450
Sold as a separate optional product with three packages (Hrvatska, Regija, Europa) offering a 24/7 contact centre, on-site repair, alternative transport for driver and passengers (EUR 130 / EUR 200 / EUR 200) and vehicle transport/towing capped at EUR 200 / EUR 330 / EUR 450 per cover period respectively; the Regija and Europa packages also add a replacement vehicle (up to 3 / 5 days, max EUR 50 per day) and accommodation (up to 2 nights, EUR 50 per night per person).
Section: POGODNOSTI PROIZVODA POMOĆ NA CESTI > Članak 4.
1.1.4.usluga alternativnog prijevoza za vozača i suputnike do najvišeg ukupnog iznosa od 130,00 € za vrijeme trajanja pokrića; ... 1.2.4.usluga korištenja zamjenskog osobnog vozila u slučaju prometne nezgode i kvara, najviše do 3 dana, uz maksimalni iznos od 50,00 € za dnevni najam vozila; 1.2.5.usluga alternativnog prijevoza za vozača i suputnike za vozača i suputnike do najvišeg ukupnog iznosa od 200,00 € za vrijeme trajanja pokrića;
Replacement/rental vehicle costs
Excluded
Replacement vehicle costs are explicitly listed as an excluded indirect loss under the current casco terms; the current partial casco combinations are limited to D and E (glass), so no separately purchasable replacement-vehicle add-on exists under the present terms.
Driver/passenger personal accident cover
Excluded
Personal accident cover for the driver and passengers is not part of the casco product; it is sold as a distinct policy ('Uvjeti za osiguranje osoba od posljedica nesretnog slučaja... za vrijeme upravljanja i vožnje motornim ili drugim vozilima'), typically taken out alongside the MTPL (AO) policy.
Section: UVJETI ZA OSIGURANJE OSOBA OD POSLJEDICA NESRETNOG SLUČAJA (NEZGODE) ZA VRIJEME UPRAVLJANJA I VOŽNJE MOTORNIM ILI DRUGIM VOZILIMA
Uvjeti za osiguranje osoba od posljedica nesretnog slučaja (nezgode) za vrijeme upravljanja i vožnje motornim ili drugim vozilima (u daljnjem tekstu: Uvjeti) sastavni su dio ugovora o osiguranju osoba od posljedica nesretnog slučaja (nezgode)
Key conditions
Driver age and experience limit
The general terms do not set a minimum driver age or experience threshold for casco cover; they only require that the vehicle be driven by a person holding a valid driving licence of the appropriate category, with an exception for learner drivers under proper supervision.
Repair network requirements
The insurer may direct repairs to a workshop within its contracted service network; if a non-contracted workshop is used, reasonable repair costs are still reimbursed, at the rates usual for the same or similar work and parts in the area where the vehicle is repaired.
Anti-theft requirements
The insured loses the right to indemnity for theft of the vehicle or equipment if the loss occurred because the vehicle was not locked and closed (for convertibles, with the folding roof down and windows shut) or the theft was otherwise facilitated by the insured.
Claim notification deadline
The insured must notify the insurer immediately, and at the latest within 3 days of learning of the insured event. Theft, aggravated theft, robbery or other unlawful taking of the vehicle/parts must additionally be reported to the police within 24 hours; fire, explosion, collision with an animal (other than a bird), drone strike, snow/ice-fall damage, vandalism affecting 3 or more body panels, and accidents involving injury, death or major material damage must be reported to the police immediately.
Deductible rules
A voluntary deductible in a fixed amount stated on the policy may be agreed at inception; it does not apply to claims from the Natural Perils risk group or to windscreen damage where the glass is repaired rather than replaced with non-original glass. If no voluntary deductible is agreed and more than one claim is made within the same insurance year, a mandatory deductible applies to each subsequent claim as a percentage of the basic premium: 30% for the 2nd claim, 50% for the 3rd, 100% for the 4th, and 200% for the 5th and any further claim, subject to a minimum of EUR 350.
Direct payment
Groupama may direct repairs to a vehicle within its contracted network of service workshops; if a workshop outside that network is used, the insurer still reimburses reasonable repair costs at the rates usual for the same or similar work and parts in the area where the vehicle is repaired.
Territorial scope
Cover applies while the insured vehicle is located in Croatia or in another European Green Card member country at the time of the insured event, unless otherwise agreed in the policy
Documents
General Terms and Conditions for Casco Insurance (0301-0626) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document – Casco (IPID_AK) (opens in a new tab)
Product information sheet · PDF
Special Terms for Casco Insurance – Collision Only (opens in a new tab)
Other document · PDF
General Terms and Benefits – Groupama Roadside Assistance (opens in a new tab)
Other document · PDF
Clause on Mandatory Digital Vehicle Inspection (opens in a new tab)
Other document · PDF
Clause on Protection of the Casco (AK) Bonus (opens in a new tab)
Other document · PDF
Policy specifics
Partial Casco Coverage Option
Product allows for partial (limited) casco coverage in addition to full casco, with territorial scope variations
SourcePage 8Section: PREMIJA, VRIJEDNOST VOZILA I FRANŠIZA > 8. DJELOMIČNO KASKO OSIGURANJE
Moguće kombinacije djelomičnog kasko osiguranja su:
Non-standard Equipment Coverage
Aftermarket or non-factory equipment can be insured separately with documented value in policy
SourceClause Čl. 3Page 4Section: ŠTO SE OSIGURAVA I GDJE VRIJEDI OSIGURANJE > 3. PREDMET OSIGURANJA
Nestandardna i naknadno ugrađena oprema je ona koju nije ugradio proizvođač te oprema potrebna za obavljanje djelatnosti. Može se osigurati uz navođenje svake stavke i njezine vrijednosti u polici osiguranja.
Lease Vehicle Provisions
Special terms and conditions apply to vehicles under lease agreements, with lessor typically listed as insured
SourceClause Čl. 7Page 9Section: POKRIĆA, RIZICI, ISKLJUČENJA > 7. KASKO OSIGURANJE ZA VOZILA U LEASINGU
Kod osiguranja vozila u leasingu prava iz ugovora o kasko osiguranju, pripadaju davatelju leasinga (vlasniku vozila) koji se u policu upisuje kao osiguranik, ako nije drugačije ugovoreno.
Groupama Assistance Services
Optional roadside assistance product included or available as supplement to casco insurance
SourcePage SADRŽAJSection: SADRŽAJ
Pomoć na cesti Groupama Asistencija
Electric/Hybrid Vehicle Limitations
Costs of disposing of and transporting a battery following a claim on an electric or hybrid vehicle are excluded. Damage to charging equipment (cables, charger, adapter) is excluded unless caused by a traffic accident involving the insured vehicle, fire, flood, aircraft impact, explosion, break-in theft, or theft of the whole vehicle.
SourceClause Čl. 6Page 9Section: POKRIĆA, RIZICI, ISKLJUČENJA > 6. ISKLJUČENJE OBVEZE OSIGURATELJA
troškovi zbrinjavanja i prijevoza baterije u slučaju štete na električnom ili hibridnom vozilu; štete na opremi potrebnoj za punjenje električnog vozila (kablovi za punjenje, punjač, adapter i sl.) osim ako je do oštećenja ili uništenja takve opreme došlo uslijed prometne nezgode u kojoj je sudjelovalo osigurano vozilo, požara, poplave, pada zračne letjelice ili eksplozije na osiguranom vozilu, odnosno provalne krađe u osigurano vozilo ili krađe čitavog vozila.
Voluntary Deductible Option
Insured can select deductible level to lower premium; expressed as fixed amount
SourceSection: PRILAGODITE PREMIJU SVOJIM MOGUĆNOSTIMA UGOVARANJEM KASKO OSIGURANJA S FRANŠIZOM
Franšiza je unaprijed poznata i izražena u fiksnom iznosu, pa već pri ugovaranju točno znate koliko biste sudjelovali u eventualnoj šteti. Odaberite dobrovoljnu franšizu i sami odredite razinu sudjelovanja u šteti - a time i visinu svoje premije.
No-claim Bonus System
Premium reduction earned for claim-free years; bonus accumulates and can be protected via separate clause
SourceClause Čl. 11Page 11Section: PREMIJA, VRIJEDNOST VOZILA I FRANŠIZA > 11. UTVRĐIVANJE PREMIJE OSIGURANJA (BONUS) S OBZIROM NA BROJ PRIJAVLJENIH ŠTETA
Prilikom produljenja police Osiguratelja po kojoj je bilo ugovoreno puno kasko osiguranje bonus se: - uvećava za 10% ako vozilo koje je bez prekida bilo osigurano najmanje godinu dana i u tom razdoblju nije bila prijavljena šteta
Mandatory Digital Inspection on Underwriting
Insurer conducts digital inspection of vehicle condition at policy inception to assess risk
SourcePage 66Section: Klauzula za obavezan digitalni pregled vozila prilikom ugovaranja kasko osiguranja
Prilikom ugovaranja kasko osiguranja (puni i djelomični) u obavezi ste dostaviti fotografije vozila sukladno Uputi za fotografiranje vozila (dalje u tekstu: ispravne fotografije).
Claim Settlement Method
Groupama may settle directly with approved repair shops or reimburse insured after repair completion
SourceClause Čl. 25Page 17Section: ŠTETA, PROCJENA I ISPLATA OSIGURNINE > 25. UTVRĐIVANJE VISINE OSIGURNINE
Osiguratelj ima pravo odrediti mjesto popravka vozila u ugovornoj mreži servisnih radionica Osiguratelja. Osiguratelj će osiguraniku nadoknaditi opravdane troškove popravka u visini koja odgovara uobičajenim cijenama iste ili slične vrste radova
Subrogation - Rights Transfer on Claim Payment
Upon claim payout, all insured's rights against responsible third party transfer to insurer
SourceClause Članak 29Section: PRIJELAZ OSIGURANIKOVIH PRAVA PREMA ODGOVORNOJ OSOBI NA OSIGURATELJA (SUBROGACIJA) > Članak 29.
Isplatom naknade iz osiguranja na Osiguratelja prelaze sva osiguranikova prava prema osobi koja je odgovorna za štetu i to do iznosa isplaćene naknade.
Insurable Value Basis
Premium calculation based on new retail value (novonabavna vrijednost) of vehicle on policy inception date
SourceClause Čl. 9Page 9Section: PREMIJA, VRIJEDNOST VOZILA I FRANŠIZA > 9. VRIJEDNOSNA OSNOVICA ZA UTVRĐIVANJE PREMIJE OSIGURANJA
Kao vrijednosna osnovica za obračun premije za puno kasko osiguranje vozila primjenjuje se novonabavna vrijednost vozila na dan sklapanja ugovora o osiguranju.
Sources
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=11(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=13(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=18(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=4(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=6(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=8(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/OP%C4%86I%20UVJETI%20ZA%20KASKO%20OSIGURANJE.pdf?vel=346834#page=9(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/kasko-osiguranje-motornih-vozila/950(opens in a new tab)
- otpleasing.hrhttps://www.otpleasing.hr/UserDocsImages/Informacije%20o%20proizvodima/Dokumentacija%20Groupama%20za%20web/Automobilska%20odgovornost%20i%20kasko%20-%20dokumentacija%20(8).pdf?vel=4023616#page=2(opens in a new tab)
- otpleasing.hrhttps://www.otpleasing.hr/UserDocsImages/Informacije%20o%20proizvodima/Dokumentacija%20Groupama%20za%20web/Automobilska%20odgovornost%20i%20kasko%20-%20dokumentacija%20(8).pdf?vel=4023616#page=22(opens in a new tab)
- otpleasing.hrhttps://www.otpleasing.hr/UserDocsImages/Informacije%20o%20proizvodima/Dokumentacija%20Groupama%20za%20web/Automobilska%20odgovornost%20i%20kasko%20-%20dokumentacija%20(8).pdf?vel=4023616#page=44(opens in a new tab)
- otpleasing.hrhttps://www.otpleasing.hr/UserDocsImages/Informacije%20o%20proizvodima/Dokumentacija%20Groupama%20za%20web/Automobilska%20odgovornost%20i%20kasko%20-%20dokumentacija%20(8).pdf?vel=4023616#page=66(opens in a new tab)