Extracted from source documents

Sava osiguranje Casco (own-damage car insurance) (Kasko Osiguranje Cestovnih Vozila)

Underwritten by Sava osiguranje d.d. · Croatia

casco (own-damage car insurance) from Sava osiguranje for the Croatia market, with online purchase.

Verified Aug 30, 2026 · Terms dated 2022-04-01Sources

Online purchase

Unique selling points

Fast, fully online casco quote and purchase flow ('Brza Online Ponuda') on the insurer's website.

Replacement vehicle available during repairs at authorized partner service centres for customers holding both MTPL and full casco.

Optional bonus protection shields the policyholder's accumulated MTPL bonus-malus class from being downgraded by a casco claim.

Broad menu of named optional add-ons (glass breakage, several tiers of roadside assistance, machinery breakdown, luggage/accessories cover) to tailor the policy.

Coverage limits

Covered

Own Damage / Full Casco

Covered

Full casco covers destruction of or damage to the insured vehicle caused by sudden events beyond the policyholder's or driver's control, including traffic accidents, fire, storm, hail, lightning, explosion, snow avalanche, flood and vandalism; the sum insured is based on the vehicle's value, no fixed monetary limit is stated in the terms.

Clause Čl. 22Page 3

Section: III. POSEBNE ODREDBE > 14. Osigurani rizici automobilskog kaska

Puno kasko osiguranje pokriva štetu uništenja ili oštećenja osiguranog predmeta, kao posljedice iznenadnih i od volje ugovaratelja osiguranja ili vozača neovisnih događaja

Covered

Total Loss

Covered

In case of total loss (destruction or theft of the vehicle), compensation is based on the vehicle's value at the time of loss assessment, reduced by the market value of any salvage.

Clause Čl. 26Page 5

Section: III. POSEBNE ODREDBE > 18. Utvrđivanje visine štete

Kod totalne štete (uništenja ili krađe vozila) prema vrijednosti vozila u trenutku utvrđivanja visine štete, umanjenoj za tržišnu vrijednost ostatka vozila, a prema stanju vozila neposredno prije štete.

Covered

Partial Loss

Covered

For partial damage, compensation is based on the cost of repair, reduced by the market value of the residual value of replaced parts; the amount may be agreed on the basis of a domestic repair-cost estimate.

Clause Čl. 26Page 5

Section: III. POSEBNE ODREDBE > 18. Utvrđivanje visine štete

Kod oštećenja vozila (djelomična šteta) prema visini troškova popravka, umanjenih za tržišnu vrijednost ostatka dijelova koji se zamjenjuju.

Covered

Theft and Robbery

Covered

Covers theft, burglary, unlawful taking of the vehicle for use, robbery and armed robbery of the vehicle; the vehicle is deemed lost if not found within 30 days of reporting it to the police.

Clause Čl. 22Page 4

Section: III. POSEBNE ODREDBE > 14. Osigurani rizici automobilskog kaska

Osiguranjem se pokriva i rizik krađe, provalne krađe, protupravnog oduzimanja vozila u namjeri da se upotrijebi za vožnju, razbojničke krađe i razbojstva. Smatra se da je vozilo nestalo ako se ne pronađe u roku od 30 dana, računajući od dana prijave nestanka vozila nadležnoj policijskoj upravi.

Optional

Glass Breakage

Optional

Optional add-on covering standard factory-fitted glass on the vehicle, excluding glass on interior lights, mirrors and screens; cover applies up to the glass sum insured stated on the policy for one claim event per insurance period.

Page 1

Section: KASKO OSIGURANJE > Pokriće osiguranja

Lom stakala standardno ugrađena stakla na motornim vozilima, osim stakala na unutarnjim i vanjskim svjetlima i zrcalima.

Covered

Natural Perils

Covered

Full casco covers storm (wind of 17.2 m/s or more), hail, lightning, snow avalanche (including air-pressure damage), flood, torrents and high water, subject to specific exclusions for areas permanently exposed to flood risk.

Clause Čl. 22Page 3

Section: III. POSEBNE ODREDBE > 14. Osigurani rizici automobilskog kaska

6. oluje; Olujom se smatra vjetar brzine 17.2 metara u sekundi odnosno 62 km na sat odnosno 8 stupnjeva po Beaufortovoj ljestvici ili više; 7. tuče; 8. snježne lavine; ... 15. poplave, bujice i visoke vode.

Covered

Vandalism

Covered

Covers damage caused by malicious acts or wanton behaviour of third parties.

Clause Čl. 22Page 3

Section: III. POSEBNE ODREDBE > 14. Osigurani rizici automobilskog kaska

14. zlonamjernih postupaka ili obijesti trećih osoba;

Optional · Asistencija, Basic, Basic Plus, Premium, Premium Plus, Poduzetnik, Moto, Moto Premium

Roadside Assistance

Optional

Optional roadside assistance organizes help in emergencies such as traffic accidents, breakdowns, vandalism, theft, vehicle damage and fuel/key problems; sold under several named assistance products with different service levels.

Page 1

Section: INFORMACIJE UGOVARATELJU OSIGURANJA > Uvjeti i pravo koji vrijede za ugovor o osiguranju

Posebni uvjeti za osiguranje pomoći na cesti - Asistencija Posebni uvjeti za osiguranje pomoći na cesti - Basic Posebni uvjeti za osiguranje pomoći na cesti - Basic Plus

Optional

Replacement Vehicle

Optional

Optional replacement vehicle service during repairs, available at authorized partner service centres for private customers holding both an active MTPL policy and full casco.

Driver/Occupant Accident

No limit stated

No dedicated occupant/driver accident benefit is defined in the casco terms and conditions or in the IPID for this product; a separate accident cover is advertised on the insurer's general motor-insurance page but is not listed among the casco add-ons in the IPID.

Key conditions

Driver age and experience limit

The casco terms and conditions do not set a minimum driver age or licence-experience threshold; cover is lost only while the vehicle is driven by a person without a valid licence for that vehicle category (except learner drivers under supervision).

Repair network requirements

No mandatory authorized repair network is required to settle a standard casco claim; the amount of partial damage can be agreed on the basis of a domestic repair-cost estimate. An optional replacement-vehicle benefit, however, is available only through the insurer's authorized partner service centres.

Anti-theft requirements

Theft, burglary and robbery cover requires that the vehicle (or the accessories/parts/tools claimed) was locked at the time of the theft; the insurer is not liable if the theft occurred, or was facilitated, because the vehicle was left unlocked.

Claim notification deadline

The policyholder must report the insured event to the insurer immediately, confirming it in writing within 3 days; theft, fire, explosion and traffic accidents that leave the vehicle undrivable must additionally be reported to the competent police station within 24 hours of becoming aware of them.

Deductible rules

If a deductible (franšiza) is contracted, it is deducted from the compensation as stated on the policy. If no deductible is contracted, a mandatory multi-claim deductible applies per insurance year: 1% of the sum insured for the 2nd claim, 2% for the 3rd claim, and 4% of the sum insured for the 4th and every subsequent claim.

Direct payment

The insurer pays compensation directly to the insured (for leased vehicles under a pledged/vinkulirana policy, the total-loss payout goes to the leasing company while partial-loss payouts go to the insured); payment is due within 14 days of notification of the claim, or within 30 days if establishing the claim requires further investigation, and the insurer must pay the undisputed part of its obligation as an advance without delay. Damage may be settled on the basis of a domestic repair-cost estimate rather than requiring payment directly to a repair shop.

Territorial scope

Cover applies in Croatia and in other Green Card System member states at the time of the insured event; cover outside the Green Card System, or for company vehicles performing construction/assembly works abroad, must be separately agreed.

Documents

Terms and Conditions for Casco Insurance of Road Vehicles (opens in a new tab)

Terms & conditions · PDF

Casco Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Full vs Partial Casco

The insurer offers both full (puno) and partial (djelomično) casco coverage options for vehicle damage, with full casco providing broader protection

Source

Deductible / Franchise

Mandatory deductible (franchise) is required as standard; amount can be fixed or percentage-based; optional waiver available for additional premium

SourceClause Čl. 8Page 2

Section: II. ZAJEDNIČKE ODREDBE > 6. Ugovorene franšize

Ako je ugovoreno da osiguranik snosi sam dio štete (ugovoren franšiz), naknada će se, ako nastupi osigurani slučaj, utvrditi tako da osiguranik snosi dio štete u visini ugovorene franšize.

Vehicle Repair Network

Coverage may provide option for replacement vehicle during repair at authorized partner service centers; availability dependent on policy terms

Source

Roadside Assistance

Optional 24/7 roadside assistance (Sava Assistance) available as supplementary coverage; covers breakdown, accidents, fuel problems, key loss, and other emergencies

Source

Section: Zašto kasko? Saznajte više o brojnim benefitima kasko osiguranja vozila > Osigurajte si potpunu uslugu uz Asistenciju

Asistencija služi tome da vam u najkraćem mogućem roku, u Hrvatskoj ili inozemstvu stigne pomoć na mjesto asistencijskog slučaja bilo da je riječ o kvaru automobila, nesreći, problemu s gorivom, oštećenju vozila, problemu s akumulatorom ili gubitka ključeva; ovisno o razini ugovorenog pokrića.

Bonus / Malus Protection

Optional bonus protection available; protects accumulated bonus-malus status earned on mandatory liability insurance from being reduced due to casco claims

Source

Section: Auto osiguranje online > Obvezno auto osiguranje > Koja su dopunska pokriša uz policu obveznog auto osiguranja?

zaštita bonusa - dopunsko osiguranje moguće je ugovoriti uz policu osiguranja vozila kao doplatak na premiju AO za sve premijske grupe i sve stupnjeve bonusa / malusa.

Hail Damage Coverage

Optional supplementary coverage for hail damage (tuča) available as add-on to main casco policy

Source

Section: Auto osiguranje online > Obvezno auto osiguranje > Koja su dopunska pokriša uz policu obveznog auto osiguranja?

osiguranje od rizika tuče - NOVO - naknada u slućaju oštećenja od tuče. Premija je 36 EUR godišnje bez poreza.

Legal Protection

Optional legal protection (pravna zaštita) available as supplementary coverage for disputes arising from insurance or vehicle-related matters

Source

Section: Auto osiguranje online > Obvezno auto osiguranje > Koja su dopunska pokriša uz policu obveznog auto osiguranja?

pravna zaštita - nudi pokriće u slučajevima obrane u kaznenopravnim postupcima, prekršajnim postupcima, te u postupcima vezanim uz gubitak vozačke dozvole.

Occupant Accident Coverage

Optional coverage for driver and passenger injury or death due to accident; covers bodily injury and permanent disability benefits

Source

Section: Auto osiguranje online > Obvezno auto osiguranje > Koja su dopunska pokriša uz policu obveznog auto osiguranja?

osiguranje od posljedica nesretnog slučaja - osiguranje vozača i putnika u vozilu u slučaju smrti zbog nezgode ili trajnog invaliditeta.

Policy Currency and Payment

Premium can be paid in lump sum or by installments; if paid in installments, first installment due at policy conclusion.

SourceClause Čl. 3Page 1

Section: II. ZAJEDNIČKE ODREDBE > 3. Plaćanje premije i posljedica neplaćanja premije

Ugovaratelj osiguranja plaća premiju odjednom, ako se drukčije ne ugovori. Ako je plaćanje premije ugovoreno u obrocima, prvi obrok se plaća prilikom sklapanja ugovora, a ostali obroci po ugovorenom dospijeću.

Geographical Coverage

Coverage applies in Republic of Croatia and other Green Card System member states (EU countries, Switzerland, Bosnia and Herzegovina, and other signatory countries) unless stated otherwise

SourceClause Čl. 18Page 3

Section: III. POSEBNE ODREDBE > 10. Mjesto osiguranja

Osigurateljno pokriće vrijedi na području Republike Hrvatske i u ostalim zemljama članicama Sustava zelene karte u trenutku nastanka osiguranog slučaja.

Policy Effective Date

Insurance coverage begins at 00:00 hours on the date stated in policy as start date, provided premium or first installment has been paid by that date

SourceClause Čl. 2Page 1

Section: II. ZAJEDNIČKE ODREDBE > 2. Početak, trajanje i prestanak obveze osiguratelja

Osigurateljno pokriće počinje u 00.00 sati dana koji je u polici označen kao početak osiguranja, ako je do toga dana plaćena premija ili prvi obrok premije odnosno u 00.00 sati sljedećeg dana, računajući od dana kada je plaćena premija, ako nije ugovoreno drugačije.

Vehicle Ownership Transfer

The insurance contract terminates at 24:00 hours on the day the change of vehicle ownership is reported to the competent authority; in case of inheritance between first-order heirs, the policy remains in force until the end of the insurance year.

SourceClause Čl. 10Page 2

Section: III. POSEBNE ODREDBE > 2. Promjena vlasnika vozila i valjanost ugovora o osiguranju

Promjenom nositelja prava vlasništva na osiguranom vozilu ugovor o osiguranju prestaje 24-tog sata dana kada je promjena prava vlasništva prijavljena nadležnom tijelu.

Claim Notification Requirement

Policyholder must notify insurer of any claim immediately and within required timeframe; damage must remain unaltered pending inspection or photo documentation unless emergency repairs necessary

SourceClause Čl. 12Page 2

Section: III. POSEBNE ODREDBE > 4. Obveze osiguranika kad nastane osigurani slučaj

odmah nakon saznanja prijaviti Osiguratelju osigurani slučaj, i što prije, a najkasnije u roku od tri dana u pisanom obliku potvrditi prijavu.

Policy Duration Options

Standard policy duration is one year; shorter periods of 3 or 6 months may also be available; renewal is automatic unless cancelled by policyholder

Source

Section: Zašto kasko? Saznajte više o brojnim benefitima kasko osiguranja vozila > Više detalja o kasko osiguranju

Kasko osiguranje se u pravilu ugovara za razdoblje od jedne godine, a moguće je ugovoriti i za kraće razdoblje od šest ili tri mjeseca.

Premium Calculation Basis

Premium calculated based on multiple factors including vehicle value (new purchase price for new vehicles, catalogue value for used vehicles), driver age, bonus-malus class, deductible amount, and insurance period

Source

Section: Zašto kasko? Saznajte više o brojnim benefitima kasko osiguranja vozila > Više detalja o kasko osiguranju

Cijena kasko osiguranja ovisi o nizu faktora poput dobi vozača, trajanju osiguranja, bonusu-malusu, popustu za jednokratno plaćanje, novonabavnoj vrijednosti vozila i drugim faktorima.

Insurable Vehicle Types

All types of motor vehicles including passenger cars, commercial vehicles, buses, motorcycles, agricultural vehicles, and work machinery with integrated or attached components; specifically excludes certain vehicle types under construction or assembly work

SourceClause Čl. 21Page 3

Section: III. POSEBNE ODREDBE > 13. Predmet osiguranja

Predmet osiguranja su sve vrste motornih, priključnih, radnih vozila (u daljnjem tekstu vozila) i njihovi sastavni dijelovi.

Dispute Resolution and Applicable Law

All disputes shall be resolved under Croatian law (Zakon o osiguranju); jurisdiction lies with competent courts in Zagreb; mediation available prior to litigation

SourceClause Čl. 47Page 7

Section: VII. ZAVRŠNE ODREDBE > 6. Završne odredbe

U slučaju spora stranke ugovaraju nadležnost stvarno nadležnog suda u Zagrebu.

Sources

Sava osiguranje Casco (own-damage car insurance)

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