Extracted from source documents

UNIQA Casco (own-damage car insurance) (Kasko Za Mene)

Underwritten by UNIQA osiguranje d.d. · Croatia

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

Verified Aug 30, 2026 · Terms dated 2024-08-06Sources

Online purchase

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Key facts

UNIQA

Unique selling points

Coverage can protect not only the driver but all passengers and pets in the vehicle, including veterinary costs or a death benefit for pets.

Claims can be reported and assessed remotely via the PhotoSmart mobile app, avoiding the need to visit an assessment center.

An additional discount is granted for a previous claim-free year, on top of the standard no-claims bonus scale.

Policies can be purchased and paid fully online 24/7 with flexible payment dynamics chosen by the customer.

Repairs are carried out through a partner service network using modern equipment and original or recommended parts.

Coverage limits

Covered

Own damage coverage

Covered

Covers damage to the insured vehicle, including cases where the policyholder caused the traffic accident, up to the insured value of the vehicle.

Section: Sigurno na svakom kilometru

Ugovoriš li kasko osiguranje, imaš pravo na podmirenje štete na vlastitom vozilu čak i ako si sam uzrokovao prometnu nezgodu.

Covered

Total loss coverage

Covered

In case of total loss, indemnity is paid up to the actual/insured value of the vehicle as defined in the terms and conditions.

Clause 15.1Page 8

Section: 15. NAKNADA IZ OSIGURANJA

Gornja granica obveze osiguratelja po pojedinom štetnom događaju ne može biti veća od stvarne tržišne vrijednosti vozila, odnosno osnovice za obračun premije naznačene u polici ukoliko je taj iznos manji.

Covered

Partial loss coverage

Covered

Covers partial damage to the insured vehicle from covered perils such as traffic accidents, fire, theft attempts, natural perils and vandalism.

Section: Kasko osiguranje vozila > Sigurno na svakom kilometru > What is included in the insurance?

Partial CASCO

Covered

Theft and robbery coverage

Covered

Covers theft of the vehicle or break-in, provided the vehicle was locked and reasonable security measures were taken; coverage does not apply if the vehicle was left unlocked or theft was facilitated by the owner.

Section: Sigurno na svakom kilometru > Što nije pokriveno kasko osiguranjem?

Trebaš znati i da pokriće od krađe vozila ili provale u vozilo ne vrijedi ako si ga ostavio otključanog ili si na neki drugi način olakšao krađu.

Covered

Glass damage coverage

Covered

Damage to vehicle glass from hail (indirect water damage after glass breakage is included) is covered under natural perils.

Clause 4.5Page 2

Section: 4. OSIGURANI RIZICI > Prirodne nepogode

Tuča - oštećenje osiguranog vozila djelovanjem atmosferske oborine krutih zrnastih oborina u obliku pojedinačnih ili slijepljenih grumena leda. Uključena su neizravna oštećenja od vlaženja nakon razbijanja prozora motornog vozila.

Covered

Natural perils coverage

Covered

Covers storm (wind speeds above 17.2 m/s, i.e. 8 Beaufort), hail, and lightning strikes; earthquake damage is explicitly excluded.

Clause 4.4Page 2

Section: 4. OSIGURANI RIZICI > Prirodne nepogode

Oluja - oštećenja osiguranog vozila djelovanjem vjetra brzine veće od 17,2 metra u sekundi, ili 62 km na sat (8 stupnjeva na Beaufortovoj ljestvici). […] Tuča - oštećenje osiguranog vozila djelovanjem atmosferske oborine krutih zrnastih oborina u obliku pojedinačnih ili slijepljenih grumena leda. […] Grom i munja - prirodna pojava koja se manifestira kao direktan udar električne energije ili topline na imovinu ili osobe.

Covered

Vandalism coverage

Covered

Casco coverage extends to a range of risks from natural perils to vehicle theft and vandalism.

Section: Sigurno na svakom kilometru

Kasko pokriva i razne druge rizike, od prirodnih nepogoda pa sve do krađe vozila i vandalizma.

Optional

Roadside assistance coverage

Optional

Optional add-on covering minor on-site repairs, running out of fuel or EV battery discharge (once per insurance year), loss/theft/damage of keys (once per year), towing (twice per year, up to EUR 200 per event) and accommodation during repairs (once per year, up to EUR 100).

Source no longer reachable

Optional

Replacement vehicle coverage

Optional

Optional coverage for the cost of renting another personal vehicle while the insured vehicle is being repaired following damage caused by collision with another vehicle.

Section: Dodatna pokrića > Osiguranje troškova najma osobnog vozila

Pokriva se trošak najma drugog osobnog vozila za vrijeme popravka osiguranog vozila zbog oštećenja uzrokovanih sudarom s drugim vozilom.

Optional

Driver and passenger accident coverage (incl. pets)

Optional

Optional add-on protecting the driver and all passengers, including pets, covering permanent disability, accidental death, and veterinary costs or a death benefit for an injured or deceased pet.

Section: Dodatna pokrića > Osiguranje od nezgode

Ovim osiguranjem možeš zaštititi sebe i sve putnike u automobilu, uključujući i kućne ljubimce. U pokriću su trajni invaliditet, smrt uslijed nezgode te medicinski troškovi kućnog ljubimca ozlijeđenoj u prometnoj nesreći ili naknada za njegovo uginuće.

Key conditions

Driver age and experience limit

Not specified in the available sources.

Repair network requirements

UNIQA's partner repair service network uses modern equipment, original or recommended parts, and applies the highest repair standards.

Anti-theft requirements

Theft and break-in coverage does not apply if the vehicle was left unlocked or if the owner facilitated the theft in any way.

Claim notification deadline

Not specified in the available sources.

Deductible rules

Not specified in the available sources for road vehicle casco.

Direct payment

Policies can be purchased and paid online 24/7 via card, bank transfer, or payment slip; instalment payment plans are available.

Territorial scope

The casco insurance is valid in the territory of the Republic of Croatia, Europe in the geographical sense, and the territory of the Republic of Turkey; this scope is limited for certain risks (e.g. the risk of theft of the entire vehicle, robbery and unlawful taking is territorially restricted).

Documents

Terms and Conditions - Casco Insurance "Kasko za mene" (UAK 1/2024) (opens in a new tab)

Terms & conditions · PDF

General Terms for Road Motor Vehicle Casco Insurance (OUAK 1/2023) (opens in a new tab)

Terms & conditions · PDF

Casco insurance product landing page (opens in a new tab)

Policy specifics

Tire damage coverage

Optional coverage for tire damage caused by road hazards (glass, metal, holes) not resulting from traffic accidents

Source

Section: Dodatna pokrića > Osiguranje guma

Pokriva oštećenja novih guma do 3 godine starosti na novom ili rabljenom vozilu koja nisu proizašla iz prometne nesreće već su uzrokovane opasnostima na cesti kao što su staklo, metal, rupe i dr.

Pet coverage in vehicles

Optional coverage protecting passengers and pets in the vehicle, including permanent disability, death from accident, and veterinary costs for injured pets

Source

Section: Dodatna pokrića > Osiguranje od nezgode

Ovim osiguranjem možeš zaštititi sebe i sve putnike u automobilu, uključujući i kućne ljubimce. U pokriću su trajni invaliditet, smrt uslijed nezgode te medicinski troškovi kućnog ljubimca ozlijeđenoj u prometnoj nesreći ili naknada za njegovo uginuće.

Earthquake exclusion

Casco coverage explicitly excludes damages caused by earthquakes

Source