Croatia osiguranje d.d. (LAQO digital insurance brand)
LAQO
LAQO is a motor casco insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
Premium can be paid as a lump sum (with a 5% discount for single payment); no further installment details are specified in the available sources.
Geographic scope
Croatia
Croatia and other member countries of the Green Card System
Unique selling points
- Croatia's first fully digital car insurance, letting customers get a quote, buy and manage Kasko entirely online without paperwork.
- Kasko can be purchased as a standalone policy even without holding LAQO's own MTPL cover.
- Hail, glass breakage and animal-collision cover are automatically bundled into full Kasko at no extra charge, coverages many insurers sell separately.
- A selectable deductible (franchise) lets drivers lower their premium by choosing how much they pay out of pocket per claim.
- New customers start with the maximum 50% bonus-malus discount, plus extra savings for lump-sum payment or bundling Kasko with MTPL.
Coverage limits
Own vehicle damage
Covered
Kasko covers damage to the policyholder's own vehicle from parking dents/scratches, theft/break-in attempts, or at-fault traffic accidents, including repair costs even when the policyholder caused the crash.
Total loss
Covered
No limit stated
Kasko is a voluntary vehicle insurance covering damage to the insured's own car regardless of fault; the exact sum-insured cap for total-loss scenarios is not separately stated for full Kasko in the available sources.
Partial damage (e.g. vandalism/parking damage)
Covered
LAQO Kasko covers damage that occurs while the vehicle is parked, including scratches or dents, even when the person responsible does not leave contact details.
Theft and burglary
Covered
If the vehicle is broken into or stolen, full Kasko covers the resulting damage or loss; this is part of comprehensive Kasko and not available under the Kasko basic+ rider.
Glass breakage
Covered
Glass breakage cover is already included in full Kasko and does not need to be purchased as a separate option (unlike under the MTPL policy, where it is a paid add-on with a 300 EUR cap).
Natural perils and weather damage
Covered
Full Kasko covers damage caused by hail, lightning strike, fire, falling objects, snow or building debris, among other perils.
Vandalism / damage while parked
Covered
LAQO Kasko covers damage to a parked vehicle including scratches or impacts, even when caused by an unidentified third party.
Towing and roadside assistance
unlimited
An optional add-on alongside Kasko offering an unlimited number of roadside repairs/tows and transport of the car to the policyholder's home when on-site repair is not possible; for motorcycles roadside help is capped at 100 EUR and transport at 300 EUR.
Replacement vehicle
No limit stated
No mention of a replacement-vehicle benefit was found in the available sources.
Driver and passenger accident cover
Optional
An optional add-on ('Vozač i putnici') providing financial compensation for injury or death of the driver and passengers under the policy's terms; no fixed sum insured is stated in the available sources.
Key conditions
Driver age and experience limit
No specific driver age or experience restriction is stated in the available sources.
Repair network requirements
No mandatory repair-network requirement is stated in the available sources.
Territorial scope
LAQO Kasko is valid in the Republic of Croatia and in other member countries of the Green Card System.
Anti-theft requirements
No anti-theft device requirement is stated in the available sources.
Claim notification deadline
No specific claim-notification deadline for Kasko is stated in the available sources.
Deductible rules
A deductible (franchise) amount is selected at policy inception; the higher the chosen franchise, the lower the Kasko premium, and the policyholder pays the franchise amount out of pocket on every claim.
Where to buy
Policy specifics
Glass breakage
Coverage for broken windshields and vehicle glass, included in comprehensive Kasko
SourceAnimal collision
Coverage for damage from collision with animals, included in comprehensive Kasko
SourceTheft and burglary
Coverage for vehicle theft and attempted break-ins, part of comprehensive Kasko
SourceWeather and natural disaster damage
Coverage for damage from storms, floods, lightning, snow, falling objects - included in Kasko
SourceFranchise (deductible)
Fixed amount policyholder must pay per claim; higher franchise = lower premium
SourceBonus-malus system
Initial 50% bonus for new customers; adjusted based on accident record and claims
SourcePolicy transfer on vehicle sale
Kasko policy automatically transfers to new vehicle owner until policy expiry
Source14-day cancellation right and premium refund
Customers have 14 days after purchase to cancel policy and receive unused premium refund
SourcePremium refund on vehicle deregistration
Upon deregistration request, unused portion of premium is returned to policyholder
SourceBasic Kasko option
Limited Kasko coverage (collision-only) available as optional add-on alternative to full Kasko
Source