Wiener Casco (own-damage car insurance) (Wiener Kasko)
Underwritten by Wiener osiguranje Vienna Insurance Group d.d. · Croatia
casco (own-damage car insurance) from Wiener for the Croatia market, with online purchase.
Last verified Aug 30, 2026Sources
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.
Section: Pokriće osiguranja
Kod punog kaska pokrivene su razne opasnosti koje mogu prouzročiti oštećenje, uništenje ili nestanak osiguranog motornog ili priključnog vozila.
Total loss coverage
100% of insured sum
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.
Section: Pokriće osiguranja
Svota osiguranja na koju je motorno ili priključno vozilo osigurano navedena je u sklopljenom Ugovoru o osiguranju i predstavlja novonabavnu vrijednost vozila sa svim davanjima, ovisno o poreznom tretmanu osiguranika, te predstavlja gornju granicu obveze Osiguratelja.
Partial damage coverage
100% of insured sum
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.
Section: Pokriće osiguranja
Kod djelomičnog kasko osiguranja pokrivene su samo određene ugovorene opasnosti kao npr. lom stakla, nalet na divljač, požarna opasnost i sl., a koje mogu prouzročiti oštećenje ili uništenje osiguranog motornog ili priključnog vozila.
Theft coverage
100% of insured sum
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
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
Covers damage from hail, fire hazard, and collision with wild animals; earthquake damage to the vehicle is explicitly excluded.
Section: Pokriće osiguranja / Što nije pokriveno osiguranjem
djelomičnog kasko osiguranja pokrivene su samo određene ugovorene opasnosti kao npr. lom stakla, nalet na divljač, požarna opasnost i sl.
Vandalism coverage
Covered
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.
Section: Dopunska pokrića
osiguranje autoasistencije
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.
Section: Dopunska pokrića
osiguranje vozača i putnika od posljedica nezgode nastale u osiguranom vozilu
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.
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.
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).
Territorial scope
Coverage applies throughout the Republic of Croatia and all Green Card system member countries, including Kosovo, excluding Morocco and Tunisia.
Documents
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)
SourcePage 2Section: Kada i kako platiti osiguranje
Premija ili prvi obrok premije osiguranja plaća se prije početka osiguranja. Dinamika plaćanja ugovara se kod sklapanja Ugovora o osiguranju te se može platiti jednokratno ili obročno (mjesečno, kvartalno i polugodišnje).
Coverage 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
SourcePage 2Section: Datum početka i završetka pokrića
Osigurateljna zaštita počinje po isteku 24-tog sata dana koji je naveden kao početak osiguranja i traje do isteka 24-tog sata dana koji je naveden kao istek osiguranja u Ugovoru o osiguranju, osim ako nije drugačije ugovoreno.
Claims notification obligation
Policyholder must immediately notify insurer upon discovery of loss event and provide all relevant facts and evidence regarding claim circumstances
SourcePage 2Section: Koje su moje obveze
Ugovaratelj osiguranja/Osiguranik su dužni odmah po saznanju prijaviti štetni događaj Osiguratelju i staviti mu na raspolaganje sve podatke i dokaze o okolnostima nastanka štete.
Sources
- wiener.hrhttps://www.wiener.hr/EasyEdit/UserFiles/pdf/kasko/kasko-osiguranje-cestovnih-vozila.pdf#page=1(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/EasyEdit/UserFiles/pdf/kasko/kasko-osiguranje-cestovnih-vozila.pdf#page=2(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/motorna-vozila-1.aspx(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/wiener-kasko.aspx(opens in a new tab)
Wiener Casco (own-damage car insurance)