Insurer profile

Sava osiguranje, d.d. - Croatian Branch (branch of Zavarovalnica Sava, d.d. / Sava osiguranje, d.d., Maribor, Slovenia)

Sava osiguranje, d.d. - Croatian Branch (branch of Zavarovalnica Sava, d.d. / Sava osiguranje, d.d., Maribor, Slovenia) · Croatia

Founded 2016Zagreb, CroatiaLast verified Aug 30, 2026

Overview

Sava osiguranje, d.d. - Croatian Branch is a Croatian branch office of the Slovenian insurer Zavarovalnica Sava, formed through the merger of four European insurers: Velebit osiguranje, Velebit životno osiguranje, Zavarovalnica Tilia and Zavarovalnica Maribor, and part of the Sava Insurance Group, one of the largest financial groups in South East Europe. It offers a broad range of life and non-life insurance products in Croatia, including motor, property, travel, accident, health and life insurance.

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Company details

Parent group: Sava Insurance Group (Zavarovalnica Sava, d.d.), Maribor, Slovenia
Regulator: Croatian Financial Services Supervisory Agency (HANFA)
Phone: 0800 913 023
Email: [email protected]

Official website

Products from Sava osiguranje, d.d. - Croatian Branch (branch of Zavarovalnica Sava, d.d. / Sava osiguranje, d.d., Maribor, Slovenia)

Motor

Auto liability insurance (AO)

Mandatory motor third-party liability insurance covering damage caused to third parties in a traffic accident.

Casco vehicle insurance

Voluntary comprehensive vehicle insurance covering own-vehicle damage from collision, theft, natural disasters and vandalism.

Additional motor insurance packages

Add-on packages for auto insurance including personal accident cover, bonus protection, roadside assistance and legal protection.

Motor/moped/motorcycle insurance

Mandatory liability insurance for motorcycles, mopeds and scooters with optional Sava Moto roadside assistance.

Property

Property insurance – predefined packages A, B, C

Predefined online property insurance packages covering the home against fire, natural disasters, burglary and theft.

DOM property insurance program

Comprehensive home insurance program covering more than 50 risks, with optional extensions for earthquake, smart home devices, rental cover, pets and legal/home assistance.

Health

Best Doctors supplementary health insurance

Supplementary health insurance giving access to a second medical opinion and treatment abroad up to EUR 1,000,000.

Liability

Legal protection insurance

Add-on legal protection cover for court costs, e.g. related to traffic offences or driving licence loss.

Travel

Travel health insurance

Travel insurance covering emergency medical treatment, medical transport and repatriation abroad.

Family travel insurance

Discounted family travel insurance package covering all family members while abroad.

Ski travel insurance

Travel insurance package tailored for skiing trips.

Group travel insurance

Travel insurance for groups of 10 or more travellers with discounted pricing.

Trip cancellation insurance

Trip cancellation insurance reimbursing up to 90% of paid travel costs if the trip must be cancelled.

Life

Riziko life insurance

Term life insurance paying a benefit in the case of death.

Bonus Life insurance

Life insurance for death cover, with especially favourable premiums for non-smokers.

Indeks life insurance (children's savings program)

Savings-oriented life insurance program for children to secure a worry-free start to independent life.

Jamac life insurance

Decreasing term life insurance typically used to secure loan repayment obligations.

Klasika life insurance

Mixed life insurance program covering both death and survival, payable in double sum insured on death, available to persons aged 14–65.

Zelena jesen program

Life/savings insurance program aimed at retirement-age financial planning.

Accident insurance for pupils and students

Accident insurance for pupils and students up to age 26, covering death, permanent disability and hospital treatment.

Family accident insurance

Optional family accident cover that can be added to the DOM property insurance program.

Other

Mandatory boat/vessel liability insurance

Mandatory third-party liability insurance for owners of motor boats/yachts with engine power above 15 kW.

Boat/vessel casco (hull) insurance

Voluntary hull insurance for boats and yachts covering damage during and outside navigation.

Regulatory updates

Sava osiguranje, d.d. - Croatian Branch operates in Croatia under supervision of HANFA, which regulates the insurance market and licensing of insurance undertakings in the country. The Croatian branch was registered in the Zagreb Commercial Court register in May 2016, following the cross-border merger that created Sava osiguranje from four European insurers; in 2019 it absorbed the business of Ergo Hrvatska, strengthening its market position as the second largest insurer in the Sava Insurance Group region. No specific enforcement actions or sanctions against the Croatian branch were found in recent HANFA publications; the parent Sava Insurance Group continues to report regular half-year and annual results.