Insurer profile

Croatia osiguranje d.d. (LAQO digital insurance brand)

Croatia osiguranje d.d. (LAQO digital insurance brand) · Croatia

Founded 2020Zagreb, CroatiaLast verified Aug 30, 2026

Overview

LAQO is the first 100% digital insurance brand in Croatia, launched in 2020 by Croatia osiguranje d.d. (part of Adris grupa), offering fully digital motor, property, travel and pet insurance without paperwork or branch visits.

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Company details

Parent group: Adris grupa
Regulator: Croatian Financial Services Supervisory Agency (HANFA)
Phone: 072 072 072
Email: [email protected]

Official website

Products from Croatia osiguranje d.d. (LAQO digital insurance brand)

Motor2

Compulsory Motor Third-Party Liability Insurance (Obvezno)

Mandatory liability insurance covering damage caused to third parties by cars, motorcycles and trucks up to 3.5 tonnes.

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Casco (Comprehensive) Motor Insurance

Optional comprehensive cover for damage to the insured's own vehicle from collisions, theft, fire, hail, flood and other risks, with add-ons such as towing, glass breakage and animal-collision cover.

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Property1

LAQO Property Insurance (Home/Apartment)

Digital home insurance covering the building structure and/or household contents against fire, flood, water damage, burglary and other risks, for owner-occupied, rented or occasionally used properties in Croatia.

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Travel2

LAQO Travel Insurance

Travel insurance for single or annual trips with 24/7 assistance and additional cover for baggage, accidents, technical equipment and personal liability.

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Plan B Trip Cancellation Cover

Optional add-on to LAQO travel insurance reimbursing costs if a trip has to be cancelled.

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Pet2

LAQO Vau (Dog Insurance)

One-year pet insurance for dogs covering private liability and accidental death/euthanasia, with optional add-ons for veterinary treatment (Liječi) and preventive care (Spriječi).

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LAQO Mijau (Cat Insurance)

One-year pet insurance for cats covering private liability and accidental death/euthanasia, with optional add-ons for veterinary treatment (Liječi) and preventive care (Spriječi).

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Regulatory updates

LAQO operates under the insurance license of Croatia osiguranje d.d., which is supervised by HANFA under the Insurance Act and the Compulsory Traffic Insurance Act. No specific enforcement actions or sanctions against LAQO/Croatia osiguranje have been identified; HANFA continues routine market supervision of insurance companies, agents and brokers, and general dispute resolution channels (Insurance Ombudsman, HANFA, mediation centre at HUO) remain available to LAQO policyholders.