Wiener osiguranje Vienna Insurance Group d.d.
Wiener
Wiener is a motor casco insurance for the Croatia market with online purchase and limited assistance availability.
Direct payment
The premium or first installment must be paid before the start of coverage; payment can be made as a lump sum or in installments (monthly, quarterly, semi-annually) via cash at a sales point, bank transfer, or card payment (debit/credit).
Geographic scope
Croatia
Coverage applies throughout the Republic of Croatia and all Green Card system member countries, including Kosovo, excluding Morocco and Tunisia.
Unique selling points
- Offers three selectable casco packages (Full, Partial, Compact) to match different customer needs and budgets.
- Policyholders can choose a voluntary deductible to significantly lower the premium on the TOP casco package.
- Policy can be arranged online and claims can be reported 100% digitally without visiting a branch.
- Minor vehicle damage claims can be resolved quickly through the Audasmart mobile application.
- Full casco already includes towing, extraction, and transport costs for the vehicle within the base coverage, without needing a separate add-on.
Coverage limits
Own damage coverage
100% of insured sum
Full casco covers various risks that may cause damage, destruction, or disappearance of the insured motor or trailer vehicle; the sum insured equals the vehicle's new-replacement value and represents the upper limit of the insurer's obligation.
Total loss coverage
100% of insured sum
Only in Puno kasko, Compact kasko
Destruction or disappearance (e.g. theft) of the insured vehicle is covered up to the sum insured, which represents the vehicle's new-replacement value and the insurer's maximum liability.
Partial damage coverage
100% of insured sum
Only in Puno kasko, Djelomično kasko
Partial damage to the vehicle caused by a covered peril is compensated up to the sum insured; under partial (djelomični) casco only specifically contracted perils are covered.
Theft coverage
100% of insured sum
Only in Puno kasko, Compact kasko
Casco insurance includes vehicle theft risk as part of coverage scope, up to the sum insured; theft risk may be excluded from coverage upon the policyholder's request. Compact casco covers theft together with collision damage only.
Glass breakage coverage
Covered
Only in Puno kasko, Djelomično kasko
Damage to standard vehicle glass is covered, excluding glass on lights and mirrors; can also be selected as part of a customized partial casco combination.
Natural peril coverage (hail, fire, wildlife collision)
Covered
Only in Puno kasko, Djelomično kasko
Covers damage from hail, fire hazard, and collision with wild animals; earthquake damage to the vehicle is explicitly excluded.
Vandalism coverage
Covered
Only in Puno kasko
Full casco explicitly covers damage caused by vandalism, along with a traffic accident caused by the policyholder and other risks not excluded by the terms.
Roadside assistance
Optional
Roadside assistance insurance is offered as a supplementary (add-on) coverage; note that towing, extraction, and transport costs for the vehicle are already included within the base full casco coverage itself.
Replacement vehicle
No limit stated
No source among the reviewed materials confirms or denies a replacement vehicle benefit for this product.
Driver and passenger accident coverage
Optional
Insurance of the driver and passengers against the consequences of an accident occurring in the insured vehicle is available as a supplementary (add-on) coverage, with sums insured specified in the policy.
Key conditions
Driver age and experience limit
If the vehicle was driven by a driver from a different age group than the policyholder (owner) listed on the policy, the claim payout is reduced by the amount of the premium difference that would have applied had the policyholder belonged to that driver's age group.
Repair network requirements
Not explicitly specified in the reviewed product documentation.
Territorial scope
Coverage applies throughout the Republic of Croatia and all Green Card system member countries, including Kosovo, excluding Morocco and Tunisia.
Anti-theft requirements
Not explicitly specified in the reviewed product documentation.
Claim notification deadline
The policyholder/insured must notify the insurer immediately upon becoming aware of the loss event and provide all relevant data and evidence; in the case of theft, explosion, fire, or collision with wildlife, the event must also be reported to the police.
Deductible rules
Mandatory deductible (franchise) escalates with each subsequent claim during the policy term: second claim 250 €, third 500 €, fourth 1,500 €, fifth and subsequent claims 2,500 €. Alternatively, a voluntary deductible can be selected, choosing one of three preset amounts; a higher chosen amount results in a lower premium.
Documents
Insurance Product Information Document - Casco Insurance of Road Vehicles (0301-02-AKK4)
IPID
Policy specifics
Vehicle theft coverage
Casco insurance includes vehicle theft risk as part of coverage scope, with option to exclude at policyholder's request
SourceWild animal collision coverage
Casco insurance covers vehicle damage from collision with wildlife
SourcePartial casco insurance options
Policyholder can select custom combinations of partial casco coverage including glass and hail damage
SourceMandatory deductible (franchise)
Mandatory participation by policyholder in claim payment that increases progressively with each subsequent claim (second claim €250, third €500, fourth €1,500, fifth+ €2,500)
SourceVoluntary deductible (voluntary franchise)
Optional deductible amount selected by policyholder at policy inception; higher deductible correlates with lower premium
SourceMandatory coupling with motor liability insurance
Casco insurance can only be concluded in conjunction with motor liability insurance (AO) at Wiener
SourcePremium payment timing
First premium or first installment must be paid before coverage commencement; subsequent payments follow agreed schedule (monthly, quarterly, semi-annual)
SourceCoverage commencement timing
Coverage begins at 24:00 (midnight) of the date stated as commencement date in policy and ends at 24:00 (midnight) of expiry date, unless otherwise agreed
SourceClaims notification obligation
Policyholder must immediately notify insurer upon discovery of loss event and provide all relevant facts and evidence regarding claim circumstances
Source