Triglav Insurance d.d.
Triglav
Triglav is a motor casco insurance for the Croatia market with no online purchase and limited assistance availability.
Direct payment
Triglav omogućuje ovjeru računa i izravnu isplatu na račun servisne radionice uz dostavljenu punomoć vlasnika vozila, a nakon procjene štete ne zahtijeva dodatni dokaz o obavljenom popravku ako je zamjena/popravak već uzet u obzir u izjavi o šteti.
Geographic scope
Croatia
Cover applies in the Republic of Croatia and in Green Card system countries; Triglav explicitly covers claims occurring in Bosnia and Herzegovina (all entities) and Montenegro without surcharge.
Unique selling points
- Triglav recognizes and credits no-claims bonuses earned with other insurers when switching to its casco policy.
- Claims occurring in Bosnia and Herzegovina (all entities) and Montenegro are covered without any premium surcharge, beyond the standard Green Card territory.
- Every claim reported within one insurance year is paid at 100% of its amount unless otherwise agreed, avoiding pro-rata reductions common elsewhere.
- An optional 'Bonus Protect' add-on lets policyholders keep their accumulated no-claims bonus even after one claim, for roughly a 5% surcharge on the AO premium.
- Customers can freely assemble their own combination of partial casco covers (e.g., fire, glass, wildlife collision, roadside assistance) around the risks that matter most to them.
Coverage limits
Own vehicle damage (full casco)
Covered
Only in puni_kasko
Full (comprehensive) automobile casco insurance covers most damage to the vehicle occurring while driving, stationary, or parked, including traffic accidents and special events such as aircraft impact.
Total loss
Covered
No limit stated
Not specified as a distinct benefit amount in the reviewed sources.
Partial loss
Covered
Only in puni_kasko
Partial damage to the vehicle is covered under full casco; every claim reported within one insurance year is paid at 100% of the amount unless otherwise agreed.
Theft and robbery
Covered
Only in puni_kasko
Theft (Krađa) is listed as a covered peril under the full casco (Puni kasko) option in Triglav's own comparison of casco coverage levels.
Glass damage
€398
Only in D, E
Glass casco cover under the General Terms PG-aka/20-01-hr covers repair or replacement only with non-logo replacement glass at a Triglav-designated partner, up to EUR 398.17 (HRK 3,000) per insurance year, regardless of the number of claims. If the additional Clause KL-aka-staklo/22-06-hr is contracted (limit up to EUR 265.45), the combined annual limit is up to EUR 663.61, applicable only to passenger vehicles. Available under partial casco combinations D or E.
Natural perils
Optional
Only in B
Partial casco combination B covers damage caused by fire, lightning, hail, storm, snow avalanche, explosion, aircraft impact, and demonstrations/manifestations.
Roadside assistance / towing
Optional
Only in F
Partial casco combination F covers the cost of towing the damaged vehicle to the place of residence and the cost of transporting the driver and passengers.
Driver/passenger accident cover
Optional
In addition to the casco policy, policyholders may separately contract accident treatment insurance covering injuries sustained in a traffic accident.
Key conditions
Driver age and experience limit
Not specified in the reviewed sources.
Repair network requirements
Glass repair/replacement under the casco terms is reimbursed only when carried out with non-logo replacement glass at a repair partner designated by Triglav osiguranje d.d.
Territorial scope
Cover applies in the Republic of Croatia and Green Card system countries; claims in Bosnia and Herzegovina (all entities) and Montenegro are covered without surcharge.
Anti-theft requirements
Not specified in the reviewed sources.
Claim notification deadline
Not specified in the reviewed sources.
Deductible rules
Policyholders may opt for a deductible (franšiza), sharing in the cost of a claim in exchange for a reduced premium; every claim reported within one insurance year is paid at 100% of the amount unless otherwise agreed.
Policy specifics
Full vs. Partial Casco Coverage
Motor Vehicle Casco Insurance can be ugovareno as full (comprehensive) casco or partial casco with selectable coverage combinations
SourceDeductible (Franšiza)
Policyholders can opt for deductible participation in claim costs, typically with reduced premium as trade-off
SourceBonus Protection Option
Optional product 'Bonus Protect' allowing policyholder to retain accumulated bonus even after one claim
SourceCollision-Only Casco
Limited casco variant covering only vehicle damage from collision with a known vehicle
SourceAuthorized Repair Network
For certain coverage (e.g., glass repair), insurer covers costs only at designated authorized repair partners
SourceSource no longer reachableTerritory of Coverage
Insurance valid only within Republic of Croatia and European countries in the Green Card system (with geographic limitations)
SourceVehicle Age Restrictions
Some casco coverage options (e.g. 'Kasko 5 Zvjezdica') may apply only to newer vehicles without age cap, while others may have age limits
SourceVehicle Use Restrictions
Casco insurance not available or has restrictions for vehicles used as taxi, rental (rent-a-car), racing, or training vehicles
SourceMotor Vehicle Liability (AO) Requirement
Casco insurance must be ugovareno together with mandatory Motor Vehicle Liability (AO) insurance
SourceSources
- https://www.triglav.hr/osiguranja/fizicke-osobe/cestovna-vozila/osiguranje-automibilskog-kaska
- https://www.triglav.hr/osiguranja/fizicke-osobe/cestovna-vozila/osiguranje-automobilskog-kaska
- https://www.triglav.hr/osiguranja/fizicke-osobe/osiguranje-automobila/kasko-5-zvjezdica
- https://www.triglav.hr/osiguranja/fizicke-osobe/osiguranje-automobila/osiguranje-automobilskog-kaska
- https://www.triglav.hr/osiguranja/pravne-osobe/osiguranje-automobila/kasko-osiguranje