Triglav Casco (own-damage car insurance) (Automobilski Kasko)

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.

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.

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.

Direct payment

Triglav can certify the repair invoice and pay the repair workshop directly on presentation of the vehicle owner's power of attorney; after the damage assessment no further proof of repair is required if the repair/replacement was already accounted for in the claim statement.