UNIQA osiguranje d.d.
UNIQA
UNIQA is a motor casco insurance for the Croatia market with online purchase and limited assistance availability.
Direct payment
Policies can be purchased and paid online 24/7 via card, bank transfer, or payment slip; instalment payment plans are available.
Geographic scope
Republic of Croatia; wider territorial scope as stated on the policy
Territorial limits are defined per policy; not explicitly detailed for road vehicle casco in the available sources.
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
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.
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.
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.
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.
Glass damage coverage
Covered
Damage to vehicle glass from hail (indirect water damage after glass breakage is included) is covered under natural perils; a dedicated glass-breakage add-on is also available for damage caused by road hazards.
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.
Vandalism coverage
Covered
Casco coverage extends to a range of risks from natural perils to vehicle theft and vandalism.
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).
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.
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.
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.
Territorial scope
Not explicitly detailed for road vehicle casco in the available sources; territorial limits are defined on the individual policy.
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.
Documents
Terms and Conditions - Casco Insurance "Kasko za mene" (UAK 1/2024)
Terms & conditions
General Terms for Road Motor Vehicle Casco Insurance (OUAK 1/2023)
Terms & conditions
Casco insurance product landing page
Other document
Additional coverages overview for casco insurance
Table of benefits
Policy specifics
Glass breakage coverage
Optional additional coverage for damage to vehicle windows and glass caused by road hazards
SourceTire damage coverage
Optional coverage for tire damage caused by road hazards (glass, metal, holes) not resulting from traffic accidents
SourcePet coverage in vehicles
Optional coverage protecting passengers and pets in the vehicle, including permanent disability, death from accident, and veterinary costs for injured pets
SourceUnlocked vehicle theft exclusion
Theft and break-in coverage do not apply if the vehicle was left unlocked or owner facilitated the theft in any way
SourceDriver impairment exclusion
No coverage for damages when vehicle is driven by person under influence of alcohol, narcotics, or due to intentional damage
SourceValid driver's license requirement
No coverage for damages occurring while vehicle is driven without appropriate driver's license or valid authorization
SourceSafety equipment requirement
No coverage if accident occurs while vehicle lacks safety equipment required by Road Traffic Safety Law (e.g., winter tires 15 Nov-15 Apr)
SourceWorking vehicle exclusion
Traffic accident coverage does not cover damages when work vehicle or equipment leaves road, overturns, or hits obstacles while performing work operations
SourceNatural disaster coverage
Casco covers damages from wind (Beaufort 8+), hail, lightning, flooding and other natural disasters but excludes earthquakes
Source