LAQO Casco (own-damage car insurance) (Casco Full)
Underwritten by CROATIA osiguranje d.d. · Croatia
casco (own-damage car insurance) from LAQO for the Croatia market, with online purchase and 24/7 assistance.
Last verified Aug 30, 2026Sources
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.
Section: Zašto ti treba Kasko?
Ako udariš stupić dok se parkiraš, netko ti provali ili ukrade vozilo ili do prometne nezgode dođe tvojom krivnjom, Kasko osiguranje pokriva štetu na tvom vozilu. Dakle, čak i kad ti skriviš sudar, pokrivamo troškove popravka tvog vozila.
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.
Section: Što je kasko osiguranje?
Kasko osiguranje je dobrovoljno osiguranje vozila koje pokriva štete na tvom automobilu bez obzira na to tko je uzrokovao štetu.
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.
Section: Što pokriva kasko? > Parkiralište
Ako ti netko ogrebe ili udari auto dok je parkiran, a počinitelj ne ostavi podatke, kasko pokriva štetu, što obvezno osiguranje ne čini.
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.
Section: Zašto ti treba Kasko?
Ako udariš stupić dok se parkiraš, netko ti provali ili ukrade vozilo ili do prometne nezgode dođe tvojom krivnjom, Kasko osiguranje pokriva štetu na tvom vozilu.
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).
Section: Treba li mi kasko ako već imam obvezno i dodatna pokrića poput loma stakla ili asistencije?
Uz ugovaranje LAQO kasko osiguranja, dodatna pokrića Tuča, Lom stakla i Sudar za životinjom su već uključeni u Kasko pa se ne moraju dodatno ugovarati.
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.
Section: Kasko
To znači da Kasko pokriva štetu nastalu prometnom nezgodom, krađom ili provalom, tučom, udarom groma, požarom, padom predmeta, snijega ili dijela zgrade itd.
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.
Section: Što pokriva kasko? > Parkiralište
Ako ti netko ogrebe ili udari auto dok je parkiran, a počinitelj ne ostavi podatke, kasko pokriva štetu, što obvezno osiguranje ne čini.
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.
Section: Obvezno > Postoji li limit za vuču i asistenciju?
Vuča i asistencija omogućuje ti neograničen broj pomoći (popravka) na cesti i prijevoza osobnog automobila do mjesta prebivališta kad automobil nije moguće popraviti na licu mjesta. Pomoć na cesti za motocikle dostupna je do 100 EUR, a prijevoz do mjesta prebivališta do 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.
Section: Treba li mi kasko ako već imam obvezno i dodatna pokrića poput loma stakla ili asistencije?
Ako razmišljaš o dodatnim opcijama uz LAQO Kasko, onda na raspolaganju imaš dodatna pokrića: Vuča i asistencija, Vozač i putnici i Zaštita bonusa.
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.
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.
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.
Territorial scope
Croatia and other member countries of the Green Card System
Documents
Policy specifics
Hail insurance
Coverage for vehicle damage caused by hail, included in comprehensive Kasko
SourceSection: Što sve pokriva osiguranje? > Tuča
Ako ti tuča ošteti vozilo, pokrivamo troškove popravka.
Glass breakage
Coverage for broken windshields and vehicle glass, included in comprehensive Kasko
SourceSection: Što sve pokriva osiguranje? > Lom stakla
Ako ti se ošteti staklo na vozilu, pokrivamo troškove popravka.
Animal collision
Coverage for damage from collision with animals, included in comprehensive Kasko
SourceSection: Što sve pokriva osiguranje?
Ako uz Obvezno osiguranje ugovoriš i Kasko, automatski su ti uključene opcije Tuča, Lom stakla i Sudar sa životinjom pa ih ne trebaš dodatno uzimati.
Theft and burglary
Coverage for vehicle theft and attempted break-ins, part of comprehensive Kasko
SourceSection: Zašto ti treba Kasko?
Ako udariš stupić dok se parkiraš, netko ti provali ili ukrade vozilo ili do prometne nezgode dođe tvojom krivnjom, Kasko osiguranje pokriva štetu na tvom vozilu.
Weather 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
SourceSection: Kasko sa sudjelovanjem u odšteti > Kako odabrati iznos sudjelovanja u šteti?
Što je iznos franšize veći, to je cijena Kaska niža!
Bonus-malus system
Initial 50% bonus for new customers; adjusted based on accident record and claims
SourceSection: Obvezno > Kako funkcionira Zaštita bonusa?
Početni bonus u LAQO osiguranju iznosi 50%. Svaki sljedeći put kad ugovaraš Obvezno, tvoj bonus ovisi o dvije stvari: 1. broju prometnih nezgoda uzrokovanih tvojom krivnjom 2. broju godina bez uzrokovane prometne nezgode.
Policy transfer on vehicle sale
Kasko policy automatically transfers to new vehicle owner until policy expiry
SourceSection: Najčešća pitanja > Što se događa s Kasko policom osiguranja u slučaju prodaje vozila?
U slučaju promjene vlasnika prava i obveze iz ugovora o Kasko osiguranju prenose na novog vlasnika do isteka trajanja police.
14-day cancellation right and premium refund
Customers have 14 days after purchase to cancel policy and receive unused premium refund
SourceSection: Obvezno > Mogu li otkazati policu osiguranja nakon kupnje?
14 dana nakon kupnje imaš pravo na jednostrani raskid ugovora o osiguranju, a mi ti u tom slučaju vraćamo preostali iznos premije.
Premium refund on vehicle deregistration
Upon deregistration request, unused portion of premium is returned to policyholder
SourceSection: Najčešća pitanja > Što se događa s Kasko policom osiguranja u slučaju prodaje vozila?
U slučaju odjave vozila na zahtjev ugovaratelja osiguranja vraćamo neiskorišteni dio premije osiguranja.
Basic Kasko option
Limited Kasko coverage (collision-only) available as optional add-on alternative to full Kasko
SourceSection: Zašto ti treba dodatna opcija Kasko basic+?
Kada do sudara dođe tvojom krivnjom, naknadu tuđe štete pokriva polica tvoga Obveznog osiguranja vozila. Međutim, štetu na svom vozilu moraš pokriti ti. Ako imaš Kasko basic+, pokrivamo je mi uz primjenu franšize od 150 EUR, što znači da u slučaju štete sudjeluješ u tom iznosu, a ostatak pokrivamo mi.
Sources
- laqo.hrhttps://www.laqo.hr/blog/kasko-osiguranje-kada-se-isplati-i-sto-pokriva/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/blog/sto-je-kasko-osiguranje/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/blog/uz-kasko-steta-na-vozilu-manje-boli/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/osiguranje-vozila/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/osiguranje-vozila/kasko-basic/(opens in a new tab)
LAQO Casco (own-damage car insurance)