HOK osiguranje Casco (own-damage car insurance) (Kasko)
Underwritten by HOK-OSIGURANJE d.d. · Croatia
casco (own-damage car insurance) from HOK osiguranje for the Croatia market.
Last verified Aug 30, 2026Sources
Key facts
- HOK osiguranje
Unique selling points
Territorial coverage extends beyond standard full casco to include Serbia, Montenegro, and Kosovo.
Dedicated Start/Pro/Forte products extend casco protection to older personal vehicles (4-15 years) that previously had no casco option.
Kasko Forte is designed to protect the financial investment (e.g. a loan) in the vehicle against major and total losses, while leaving minor damage costs to the owner.
Policyholders can freely choose their own repair workshop for partial vehicle damage claims.
Casco products can be combined to tailor optimal vehicle protection according to individual needs.
Coverage limits
Own damage / collision coverage
€1.3K – €4K
Kasko Start covers collision with a known vehicle with a selectable annual limit of €1,327.23, €2,654.46, or €3,981.68. Kasko Forte and the standard full casco (potpuno kasko) also cover collision/accident damage to the insured vehicle without a stated sub-limit, subject to higher deductibles for Forte.
Total loss coverage
Covered
If HOK's authorized assessor determines the vehicle to be a total loss (repair not commercially viable), compensation is capped at the total-loss value in proportion to the established liability ratio.
Partial damage coverage
Covered
For partial damage to the vehicle, the policyholder may independently choose the repair workshop, in line with the damage list determined by HOK's authorized assessor and the established liability ratio.
Theft, break-in theft and robbery coverage
€4K – €11.9K
Theft, break-in theft and robbery are covered under Kasko Start (selectable annual limit of €3,981.68, €7,963.37, or €11,945.05, i.e. 3x the collision limit), Kasko Pro, Kasko Forte, and the standard full casco. A 10% deductible on the claim amount applies to theft claims under Kasko Start and Kasko Pro.
Glass breakage coverage
Covered
The standard full casco (potpuno kasko) covers glass breakage on the vehicle, among other material damages.
Natural hazard coverage
Covered
Kasko Pro, Kasko Forte and the standard full casco cover storm, hail, flood, lightning strike, explosion (excluding nuclear), snow/ice fall, and aircraft fall; this coverage is not included in Kasko Start.
Vandalism coverage
No limit stated
No HOK product-page or claims-page source specifies vandalism as a covered peril under the casco line; it appears only in an unrelated HANFA comparison table on police-notification duties.
Key conditions
Driver age and experience limit
HOK does not publish a fixed minimum driver age or experience requirement for casco; however, the policyholder's age is one of the factors (along with vehicle brand and power) that determines the premium.
Repair network requirements
For partial vehicle damage, the policyholder may freely choose the repair workshop, provided repairs are carried out exclusively in line with the damage list determined by HOK's authorized assessor and the established liability ratio.
Anti-theft requirements
No anti-theft device or immobilizer requirement is specified in the available HOK casco sources.
Claim notification deadline
For theft, robbery, unauthorized taking of the vehicle, fire, explosion, and traffic accidents that legally require police notification, the loss must be reported to both the police and HOK within 24 hours of becoming aware of it. For other casco claims, notification must be made immediately, and no later than 3 days after the event.
Deductible rules
A 10% deductible on the claim amount applies to theft claims under Kasko Start and Kasko Pro. Kasko Forte applies higher deductibles that vary according to the vehicle's engine power. HOK also offers casco with an optional deductible (franšiza), meaning the policyholder participates in the loss amount in exchange for a lower premium.
Direct payment
For partial vehicle damage, the policyholder may independently choose the repair workshop, in line with the damage list determined by HOK's authorized assessor and the established liability ratio; if the vehicle is declared a total loss, compensation is capped at the total-loss amount according to the liability ratio.
Territorial scope
Coverage applies within Green Card system member countries; compared to standard full casco, territorial coverage is additionally extended to Serbia, Montenegro, and Kosovo