Wiener
Wiener is a motor casco insurance for the HR market with no online purchase and 24/7 assistance.
Direct payment
Wiener does not explicitly state a direct payment to repair shops policy in the verified sources; claims are processed within 30 days for casco losses with payment within 14 days of settlement.
Geographic scope
HR
Republika Hrvatska i sve zemlje članice Sustava zelene karte, uključujući Kosovo, isključujući Maroko i Tunis
Unique selling points
- Earthquake damage is covered under full casco, a peril excluded by many Croatian casco products.
- A starting no-claims bonus of 50% is granted to first-time Wiener casco policyholders, with a super-bonus of an additional 5% for loyalty.
- One damage event within a 2-year period does not reduce the accumulated no-claims bonus, protecting long-term policyholders.
- Vehicles are insured at new-purchase value, meaning claims are settled using the price of new parts regardless of vehicle age.
- Online claim submission is available 24/7 via the Wiener portal, allowing policyholders to file claims without visiting a branch.
Coverage limits
Own damage (accident)
Covered
Full casco covers all risks that may cause damage, destruction or disappearance of the insured vehicle, including traffic accidents caused by the insured. The insured sum represents the new-purchase value of the vehicle and constitutes the upper limit of the insurer's obligation.
Total loss
Covered
Full casco covers destruction of the insured vehicle. The insured sum (new-purchase value) represents the upper limit of the insurer's obligation in the event of total loss.
Partial loss
Covered
Full casco covers partial damage to the insured vehicle from all non-excluded perils. Partial casco covers only specifically agreed perils (e.g. glass breakage, wildlife collision, fire). The insured sum is the upper limit of the insurer's liability.
Theft and robbery
Covered
Theft of the vehicle is included in the full casco policy and may be excluded at the policyholder's request. No coverage if the vehicle was left unlocked, or if theft was committed by a family member or household member. Coverage up to the insured sum (new-purchase value).
Glass damage
Covered
Damage to standard fitted glass on the vehicle (excluding lights and mirrors) is covered under full casco and available as a standalone partial casco peril. Coverage up to the agreed insured sum.
Natural perils (storm, hail, flood, lightning, avalanche, aircraft fall)
Covered
Full casco covers basic natural perils: fire, lightning strike, explosion, storm, hail, snow avalanche, aircraft fall, flood, torrential rain and high water. Earthquake damage is also covered. Damage from falling snow/ice from buildings is also included as an optional partial casco extension.
Vandalism
Covered
Vandalism is covered under full casco as part of all risks that may cause damage not explicitly excluded by the policy conditions. Referenced as one of the covered perils on the official product page.
Roadside assistance (auto-assistance)
Optional
Auto-assistance is available as an optional add-on to casco insurance. Depending on the package selected, it covers: on-site vehicle repair, vehicle towing, replacement vehicle (up to 7 days, C-segment), accommodation, or vehicle delivery after repair. Available 24/7, 365 days a year. Response within 45 minutes.
Replacement vehicle
Optional
Replacement vehicle (C-segment, up to 7 days) is available to policyholders (natural and legal persons) who have contracted a product or combination that includes this coverage. It is offered as part of the auto-assistance add-on or as a separate optional coverage for rental costs during the repair period following a covered loss.
Driver and passenger accident insurance
Optional
Optional supplementary coverage for consequences of an accident occurring to the driver and passengers in the insured vehicle, available as an add-on to the casco policy. Insured sum is specified in the policy.
Key conditions
driver_age_experience_limit
If the vehicle was driven by a person of a different age group than the policyholder (owner) named on the policy, the claim payment is reduced by the difference in premium that would have been charged had the insured belonged to the driver's age group.
repair_network_requirements
The vehicle may be repaired abroad in accordance with Wiener's damage assessment. Invoices for vehicles owned by leasing companies must be submitted to the leasing company as the vehicle owner. No exclusive repair network is mandated, but repair must be consistent with the insurer's survey.
territorial_scope
Coverage is valid in the Republic of Croatia and all other countries that are members of the Green Card System, including Kosovo, and excluding Morocco and Tunisia.
anti_theft_requirements
No coverage for theft or break-in if the vehicle was left unlocked. No coverage if theft was committed by the insured's spouse or common-law partner, relatives in direct line, siblings, or any other person living in the same household.
claim_notification_deadline
The policyholder/insured must notify Wiener of the loss event immediately upon becoming aware of it and make available all data and evidence regarding the circumstances of the damage. In cases of theft, explosion, fire or wildlife collision, the event must also be reported to the police. The claim processing period is 30 days for casco losses, with payment within 14 days of settlement.
deductible_rules
Voluntary deductible (franchise) may be agreed, resulting in a premium discount. If no voluntary deductible is chosen and multiple claims are filed in the same insurance year, a mandatory deductible applies from the second claim onward: 200 EUR for the 2nd claim, 400 EUR for the 3rd, 800 EUR for the 4th, and 1,600 EUR for the 5th and each subsequent claim. Choosing a voluntary deductible avoids the escalating mandatory deductible.
Where to buy
Policy specifics
Earthquake damage coverage
Casco insurance includes coverage for vehicle damage caused by earthquakes
Replacement vehicle rental cost coverage
Coverage for vehicle rental costs during repair period following a covered loss
Mandatory deductible escalation for multiple claims
For each subsequent claim in the same insurance year, mandatory deductible increases: 200€ for 2nd claim, 400€ for 3rd, 800€ for 4th, 1,600€ for 5th and subsequent claims
Mandatory bundling with motor liability insurance
Casco insurance can only be contracted together with a mandatory motor liability insurance (AO) policy with the same insurer for the same vehicle
Theft coverage exclusion for unlocked vehicles
No coverage for theft or break-in if vehicle was left unlocked, or if theft was committed by family members or persons living in same household
Alcohol influence exclusion
No coverage for damages caused by traffic accident where driver was under influence of alcohol (above 0.5 per mille)
Winter equipment requirement for winter season claims
No coverage for damages if vehicle lacks required winter equipment on winter road sections, as per Road Safety Law
Mechanical wear and maintenance exclusion
No coverage for damages caused by vehicle malfunction, breakdown, lack of maintenance, wear and tear, or technical defects