Motor third-party liability — Croatia

[1] Bodily injury liability: Covered ↩

The sum insured for death, bodily injury or impaired health of third parties equals the legally prescribed minimum amount unless otherwise agreed; the sum insured represents the upper limit of Adriatic's obligation, with actual damage paid out up to that limit.

Osigurana svota za obvezno osiguranje od automobilske odgovornosti predstavlja gornju granicu obveze Adriatic osiguranja, a u slučaju nastupa osiguranog slučaja isplaćuje se stvarno nastala šteta.

[2] Property damage liability: Covered ↩

The sum insured for destruction or damage to third-party property equals the legally prescribed minimum amount unless otherwise agreed; it represents the upper limit of Adriatic's obligation per insured event.

Osigurana svota za štete zbog smrti, tjelesne ozljede ili narušenog zdravlja trećih osoba, te svota za štete zbog uništenja ili oštećenja stvari trećih osoba jednake su zakonom propisanim najnižim svotama osim ako nije drukčije ugovoreno.

[3] Legal defence: See details ↩

Neither the IPID nor the Terms and Conditions for domestic compulsory MTPL contain a specific legal-defence-costs provision; availability is not clarified by these documents.

[4] Green card: Optional ↩

If a Green Card is issued as part of the compulsory MTPL contract, coverage extends to the non-European countries listed on it, provided their names are not crossed out.

Ako je u sklopu ugovora o obveznom osiguranju od automobilske odgovornosti izdana i Zelena karta, osigurateljna zaštita se proteže i na u njoj navedene neeuropske zemlje ako nazivi zemalja nisu precrtani.

[5] Passenger accident: Optional ↩

Optional cover for bodily injury, permanent disability or death of passengers in the vehicle resulting from a traffic accident, available under AUTONEZGODA, ANexclusive (with hospital daily allowance), or as part of ZONA/ZONA exclusive; the insured sum is selectable.

ANexclusive - prošireno pokriće AUTONEZGODA + dnevna naknada za bolničke dane

[6] Bodily injury liability: Covered ↩

Allianz compensates third parties for bodily injury, impaired health or death caused while using the insured vehicle. The insured sum shown on the policy is the upper limit of the insurer's liability per claim, regardless of the number of injured persons; if the statutory minimum sum in force at the time of the loss is higher than the contracted sum, the higher statutory minimum applies.

Ugovorena osigurana svota predstavlja gornju granicu obveze osiguratelja za sva davanja po jednom štetnom događaju, zasebno za štetu na osobama, a zasebno za štetu na stvarima, bez obzira na broj oštećenih osoba. Ako je u trenutku nastanka štetnog događaja propisana najniža osigurana svota od strane nadležnog tijela bila veća od ugovorene svote, smatra se da je osiguranje ugovoreno na veću svotu.

[7] Property damage liability: Covered ↩

Allianz compensates third parties for destruction or damage to their vehicles or other property caused while using the insured vehicle, except for goods the vehicle owner received for transport. The insured sum on the policy is a separate upper limit for property damage per claim.

2) uništenja odnosno oštećenja stvari trećih osoba, osim ako je došlo do štete na stvarima koje je vlasnik vozila primio radi prijevoza.

[8] Legal defence: €5,500 ↩

Allianz covers the driver's legal defence costs in criminal proceedings arising from a road accident, up to a maximum of 5,500.00 EUR per claim, provided no conditions for loss of rights or exclusion apply. Where Allianz has given consent to litigation and appointed the representative, court costs are covered in full regardless of the insured sum. Included in the base COMFORT package and carried through PLUS, EXTRA and MAX.

Allianz pokriva troškove obrane vozača u kaznenom postupku (osim u slučajevima gubitka prava ili isključenja iz osiguranja) do najviše 5.500,00 EUR po jednom štetnom događaju.

[9] Green card: Covered ↩

Allianz issues the International Certificate of Insurance (former Green Card) at policy conclusion, proving valid MTPL cover in Green Card System member countries. A replacement certificate can be requested if lost.

Certifikat dobivate pri sklapanju police osiguranja u Allianzu. Popis zemalja članica Sustava zelene karte naveden je na samom certifikatu kao i na mrežnoj stranici Hrvatskog ureda za osiguranje huo.hr/hr/huo/ured-zelene-karte.

[10] Passenger accident: Covered ↩

Covers passengers in the insured vehicle for death or permanent disability resulting from a road accident, under the same 'Basic' (COMFORT) vs. 'Extended' (PLUS/EXTRA/MAX, increased insured sums) structure as the driver accident cover.

Osiguranje za vozača i putnike pokriva: • smrt zbog prometne nezgode • trajni invaliditet koji je nastao kao posljedica prometne nezgode.

[11] Bodily injury liability: €6,450,000 ↩

Statutory minimum sum insured in force at policy issuance for personal injury/death claims per event was 46,739,000.00 HRK; current statutory minimum stated on the insurer's product page is €6,450,000 per event (post-euro adoption regulation update).

Zakonski propisane minimalne svote osiguranja na snazi u RH iznose 6.450.000,00 € za štete na osobama i 1.300.000,00 € za štete na stvarima i to po štetnom događaju, osim ako nije drugačije ugovoreno.

[12] Property damage liability: €1,300,000 ↩

Statutory minimum sum insured in force at policy issuance for property damage claims per event was 9,394,000.00 HRK; current statutory minimum stated on the insurer's product page is €1,300,000 per event (post-euro adoption regulation update).

Zakonski propisane minimalne svote osiguranja na snazi u RH iznose 6.450.000,00 € za štete na osobama i 1.300.000,00 € za štete na stvarima i to po štetnom događaju, osim ako nije drugačije ugovoreno.

[13] Legal defence: Unlimited ↩

Litigation costs are reimbursed in full by the insurer, regardless of the sum insured, if the insured conducted the litigation with the insurer's consent or was represented by a person appointed by the insurer.

Troškove parničnog postupka nadoknađuje osiguratelj ako je parnicu vodio osiguranik uz suglasnost osiguratelja ili ako je bio zastupan od osobe koju je odredio osiguratelj. Ovi troškovi se naknađuju u punom iznosu bez obzira na visinu osigurane svote.

[14] Green card: Covered ↩

Coverage extends to the territory of Croatia and to all Green Card System member states; if the statutory minimum sum in the state where the loss occurred is higher than in Croatia, the insurer must provide cover up to that higher amount.

Ako je u državi članici ili zemlji članici Sustava zelene karte u kojoj je nastao štetni događaj, propisana najniža osigurana svota koja je viša od najniže propisane osigurane svote u Republici Hrvatskoj, osiguratelj je u obvezi pružiti osiguraniku osigurateljno pokriće do najniže osigurane svote propisane u državi u kojoj je nastao štetni događaj.

[15] Passenger accident: See details ↩

Not addressed as a distinct benefit in the reviewed T&C or IPID; passengers are covered as third parties for bodily injury liability, but no separate personal accident sum is stated.

[16] Bodily injury liability: €6,450,000 ↩

The MTPL Terms defer the sum insured to the Compulsory Insurance in Traffic Act (Art. A.1.1). The statutory minimum sum insured for death, bodily injury and health damage is EUR 6,450,000 per event regardless of the number of injured persons, or EUR 1,300,000 per injured person.

1. u slučaju štete zbog smrti, tjelesne ozljede i oštećenja zdravlja u iznosu od 6.450.000,00 eura po štetnom događaju bez obzira na broj oštećenih osoba, ili 1.300.000,00 eura po oštećenoj osobi,

[17] Property damage liability: €1,300,000 ↩

The MTPL Terms defer the sum insured to the Compulsory Insurance in Traffic Act (Art. A.1.1). The statutory minimum sum insured for destruction or damage of property is EUR 1,300,000 per event, regardless of the number of injured parties.

2. u slučaju uništenja ili oštećenja stvari u iznosu od 1.300.000,00 eura po štetnom događaju bez obzira na broj oštećenih osoba.

[18] Legal defence: Covered ↩

MTPL insurance pays justified compensation claims of third parties up to the agreed sums and rejects unjustified claims on the insurer's own behalf; costs of assessors, legal advice and litigation are excluded from what counts toward a claims-loaded year.

Osiguranje od automobilske odgovornosti isplaćuje naknadu štete kod opravdanih zahtjeva trećih osoba do visine ugovorom ugovorenih svota pokrića i odbija neopravdana potraživanja.

[19] Green card: Covered ↩

As part of the MTPL contract, the insurer provides proof of the international insurance document (Green Card), valid as proof of compulsory insurance in Green Card System member states, per the matters governed by the Compulsory Insurance in Traffic Act referenced in the Terms.

[20] Passenger accident: Optional ↩

Optional add-on with multiple selectable coverage tiers for death and permanent disability of the driver and all passengers in the vehicle; no fixed sums are published, as amounts are chosen by the policyholder.

Possibility of choosing high insured amounts – this is your guarantee of quality insurance coverage in case of death and permanent disability for the driver and all passengers in your vehicle.

[21] Bodily injury liability: €6,450,000 ↩

Statutory minimum coverage for death, bodily injury or impairment of health is EUR 6,450,000 per claim event regardless of the number of injured persons, or EUR 1,300,000 per injured person

[22] Property damage liability: €1,300,000 ↩

Statutory minimum coverage for destruction or damage of property is EUR 1,300,000 per claim event regardless of the number of damaged parties

[23] Legal defence: See details ↩

No separate legal defence/legal expenses coverage was identified as part of this compulsory MTPL product in the available sources

[24] Green card: Covered ↩

Coverage valid in Green Card System member states (most European countries) in addition to Croatia, without additional premium

[25] Passenger accident: €5,309 – €10,618 ↩

Optional accident cover for all persons in the vehicle, with insured sums of EUR 5,308.91 for death and EUR 10,617.82 for permanent disability per person

Paket CARE+ HR : osiguranje od posljedica nesretnog slučaja za sve osobe u vozilu uz svote osiguranja po osobi 5.308,91 EUR za smrt i 10.617,82 EUR za trajni invaliditet.

[26] Bodily injury liability: €6,467,317 ↩

The sum insured for damage to persons (bodily injury, impairment of health or death of a third party) is 6,467,317.01 EUR per claim, representing the upper limit of the insurer's obligation regardless of the number of injured persons.

Osigurana svota za štete na osobama je 6.467.317,01 EUR, a za štete na stvarima 1.304.001,59 EUR.

[27] Property damage liability: €1,304,002 ↩

The sum insured for damage to property (destruction or damage of a third party's property) is 1,304,001.59 EUR per claim, being the upper limit of the insurer's obligation for property damage regardless of the number of injured parties.

Osigurana svota za štete na osobama je 6.467.317,01 EUR, a za štete na stvarima 1.304.001,59 EUR.

[28] Legal defence: Conditional ↩

The insurer defends the insured against unfounded or excessive claims and may make statements on their behalf, but reimburses the insured's criminal defence costs only where it expressly consented in advance to the defence counsel and committed to cover those costs.

Troškove obrane osiguranika u kaznenom postupku nadoknađuje osiguravatelj samo u slučaju kada je izričito dao pristanak za branitelja te se obvezao na naknadu troškova

[29] Green card: Covered ↩

Cover automatically extends to all Green Card System member states in addition to Croatia; if the accident country prescribes a minimum sum insured higher than Croatia's, the insurer covers up to that higher amount.

Osiguravateljno pokriće proteže se na područje Republike Hrvatske i na teritorij država članica Sustava zelene karte, ako nije drukčije ugovoreno. Ako je u državi članici Sustava zelene karte u kojoj je nastao štetni događaj propisana najniža osigurana svota koja je viša od najniže propisane osigurane svote u Republici Hrvatskoj, osiguravatelj je u obvezi pružiti osiguraniku osiguravateljno pokriće do najniže osigurane svote propisane u državi u kojoj je nastao štetni događaj.

[30] Passenger accident: Optional ↩

'Auto nezgoda' can be purchased alongside the AO policy to cover passengers in the vehicle for death and permanent disability resulting from an accident.

osiguranje vozača i putnika u motornom vozilu od posljedica nesretnog slučaja s pokrićem za slučaj smrti i trajnog invaliditeta (Auto nezgoda)

[31] Bodily injury liability: €6,450,000 ↩

Statutory minimum sum insured for bodily injury, damage to health or death caused to third parties, per claim event, unless a higher amount is agreed.

6.450.000,00 EUR za štete na osobama i 1.300.000,00 EUR za štete na stvarima i to po štetnom događaju, osim ako se drugačije ugovori.

[32] Property damage liability: €1,300,000 ↩

Statutory minimum sum insured for destruction or damage to third-party property, per claim event, unless a higher amount is agreed.

6.450.000,00 EUR za štete na osobama i 1.300.000,00 EUR za štete na stvarima i to po štetnom događaju, osim ako se drugačije ugovori.

[33] Legal defence: Unlimited ↩

Civil litigation costs are reimbursed in full regardless of the sum insured, provided the litigation was conducted with the insurer's consent; criminal defence costs are covered only where the insurer expressly agreed to appoint and pay for defence counsel.

Troškove obrane osiguranika u kaznenom postupku naknađuje osiguratelj samo u slučaju kada je izričito dao pristanak za branitelja, te se obvezao na naknadu troškova. […] Troškove parničnog postupka naknađuje osiguratelj ako je parnicu vodio osiguranik uz suglasnost osiguratelja ili ako je bio zastupan od osobe koju je odredio osiguratelj. Ovi troškovi se naknađuju u punom iznosu bez obzira na visinu osigurane svote.

[34] Green card: Covered ↩

Coverage is valid in Croatia and in the other member countries of the Green Card System; if the country where the accident occurred prescribes a minimum sum insured higher than Croatia's, the insurer covers the claim up to that higher amount.

Osigurateljno pokriće sukladno zakonu pokriva štete na području Republike Hrvatske i teritoriju država članica Sustava zelene karte, a može se ugovoriti i dodatno teritorijalno pokriće. […] Ako je u državi članici ili zemlji članici Sustava zelene karte osiguranja u kojoj je nastao štetni događaj, propisana najniža osigurana svota koja je viša od najniže propisane osigurane svote u Republici Hrvatskoj, osiguratelj je u obvezi pružiti osiguraniku osigurateljno pokriće do najniže svote propisane u državi u kojoj je nastao štetni događaj.

[35] Passenger accident: Optional ↩

The same optional personal accident product extends to passengers travelling in the vehicle, covering death or permanent disability resulting from an accident; sold together with driver accident cover as one add-on.

Osiguranje vozača i putnika u motornom vozilu od posljedica nesretnog slučaja s pokrićem za slučaj smrti i trajnog invaliditeta,

[36] Bodily injury liability: Covered ↩

Covers the policyholder's legal liability to third parties for death, bodily injury or impairment of health caused through the use of the insured motor vehicle.

[37] Property damage liability: Covered ↩

Covers the policyholder's legal liability to third parties for destruction or damage of property caused through the use of the insured motor vehicle.

[38] Legal defence: Optional ↩

Optional add-on to the MTPL policy covering attorney representation costs. Maximum coverage amount equals the total value of 15 attorney actions, up to a maximum of 70,000.00 HRK.

[39] Green card: See details ↩

Not specified in the reviewed HOK osiguranje sources.

[40] Passenger accident: Optional ↩

Optional add-on insuring both the driver and passengers against the consequences of an accident while driving/riding in the motor vehicle. Insured risks are death from accident and permanent disability, with a selectable insured sum.

[41] Bodily injury liability: Covered ↩

Covers medical treatment costs and compensation for third parties injured in an accident caused by the insured; no specific sum insured is published by LAQO.

Ako prometna nezgoda nastane tvojom krivnjom, obvezno osiguranje pokriva štetu na tuđim stvarima i vozilima kao i štetu nanesenu drugim osobama.

[42] Property damage liability: Covered ↩

Covers repair costs for third-party vehicles and property damaged in an accident caused by the insured, regardless of the value of the damaged item; no specific sum insured is published by LAQO.

Ako skriviš sudar i oštetiš nečije vozilo, troškovi popravka tuđeg vozila naplatit će se iz tvog obveznog osiguranja.

[43] Legal defence: See details ↩

Not mentioned as a distinct coverage in any LAQO source reviewed.

[44] Green card: Covered ↩

Issued free of charge with every LAQO Obvezno policy and valid in all Green Card System member countries; delivered via email and the LAQO app.

Zelenu kartu možeš pronaći na svojem emailu i u LAQO aplikaciji zajedno s osiguranjem.

[45] Passenger accident: Optional ↩

The same 'Driver and Passengers' add-on extends financial compensation to passengers for hospital stays longer than 8 days or death following an accident; no specific sum insured is published.

Pružamo financijsku pomoć u slučaju duljeg boravka u bolnici ili smrti vozača i/ili putnika.

[46] Bodily injury liability: Covered ↩

Covers third-party bodily injury, impairment of health, or death caused through the use of the insured vehicle, up to the legally prescribed minimum sums insured in force in Croatia. The exact statutory minimum amount is not stated numerically in the available product documents.

1. tjelesne ozljede, narušavanja zdravlja ili smrti neke osobe,

[47] Property damage liability: Covered ↩

Covers destruction or damage to third-party property caused through the use of the insured vehicle (excluding goods the vehicle owner accepted for carriage), up to the legally prescribed minimum sums insured. The exact statutory minimum amount is not stated numerically in the available product documents.

2. uništenja odnosno oštećenja stvari, osim ako je došlo do štete na stvarima koje je vlasnik vozila primio radi prijevoza.

[48] Legal defence: €15,000 ↩

Optional add-on providing criminal-law and misdemeanour defence for the insured in traffic-related proceedings (accidents, traffic offences, driving-licence withdrawal), plus related legal costs, mediation, and translator/expert fees. The guaranteed sum insured per claim event is EUR 15,000.

Osigurana svota koja iznosi 15.000,00 EUR (113.017,50 KN) na dan isplate naknade i navedena je u ugovoru o osiguranju, koji vrijedi za vrijeme nastanka osiguranog slučaja, predstavlja samo gornju granicu Osigurateljа za jedan osigurani slučaj zajamčenih usluga za osiguranika.

[49] Green card: Covered ↩

The insurer issues the Green Card certificate free of charge as proof of MTPL cover for driving in EU member states and other Green Card System signatory countries; if the minimum coverage prescribed in the country where the loss occurs is higher than the Croatian minimum, the insurer must provide cover up to that higher minimum.

Ako je u državi, članici Sustava zelene karte osiguranja u kojoj je nastao štetni događaj propisana najniža svota osigurateljnog pokrića koja je viša od najniže propisane svote osigurateljnog pokrića u Republici Hrvatskoj Osiguratelj je u obvezi pružiti osiguraniku osigurateljno pokriće do najniže svote propisane u državi u kojoj je nastao štetni događaj.

[50] Passenger accident: Optional ↩

Optional accident cover paying benefits to the driver and passengers of the insured vehicle in the event of accidental death or permanent disability while driving, loading/unloading, or otherwise handling the vehicle in connection with traffic. The policyholder selects the level of sums insured; if the insured person is younger than 14 or older than 65, death benefits are limited to 50% of the sum insured (funeral costs).

ukoliko nastupi smrt osiguranika mlađeg od 14 i starijeg od 65 godina, isplaćuju se pogrebni troškovi u iznosu 50% od osiguranog iznosa.

[51] Bodily injury liability: Covered ↩

Compulsory MTPL cover indemnifies third parties for death, bodily injury and health impairment caused by use of the insured vehicle; the exact statutory sum insured is not disclosed on the product page.

Policom osiguranja od automobilske odgovornosti osiguravate svoju odgovornost prema trećim osobama za štete prouzročene uporabom motornog vozila u zemlji i inozemstvu.

[52] Property damage liability: Covered ↩

Compulsory MTPL cover indemnifies third parties for destruction of or damage to property caused by use of the insured vehicle; the exact statutory sum insured is not disclosed on the product page.

AO osiguranje pokriva sve štete koje vozač može nenamjerno prouzročiti trećim osobama. To uključuje popravke njihovih vozila, troškove liječenja, bolovanja, invalidnosti pa čak i trajne posljedice prometnih nesreća.

[53] Legal defence: Optional ↩

A separate, purchasable product listed alongside AO that covers legal representation costs arising from use of the vehicle; no specific limit is disclosed.

[54] Green card: Conditional ↩

The Green Card is an internationally recognised certificate confirming that the vehicle has valid MTPL cover; it is relevant when driving abroad and is recognised by police and insurers across many European and neighbouring countries within the Green Card system.

Zelena karta je međunarodni dokument koji potvrđuje da vaše vozilo ima važeće osiguranje od automobilske odgovornosti i priznat je u brojnim europskim i susjednim zemljama koje su dio sustava Zelene karte.

[55] Passenger accident: Optional ↩

An optional add-on offered alongside AO that covers the consequences of accidents for the driver, passengers and workers while operating or riding in motor and other vehicles.

osiguranje od posljedica nezgode vozača, putnika i radnika za vrijeme upravljanja i vožnje motornih i drugih vozila

[56] Bodily injury liability: €6,450,000 ↩

Statutory minimum sum insured for damage due to death, bodily injury or health impairment is 6,450,000.00 EUR per claim event, regardless of the number of injured parties, per the current Zakon o obveznim osiguranjima u prometu (in force since the 2022 increase, applicable to the UAO 1/2023 terms effective 25.9.2023). Note: an older IPID edition (IPIDAO 1001 V1/2021) still cites the pre-euro, pre-2022-increase HRK amount of 46,739,000.00 kuna, which has since been superseded.

Osiguratelj je temeljem ugovora o osiguranju i propisa o odgovornosti u obvezi isplatiti naknadu za štetu koju uporabom vozila vlasnik, odnosno korisnik vozila nanese trećim osobama zbog smrti, tjelesne ozljede, narušavanja zdravlja, uništenja ili oštećenja stvari.

[57] Property damage liability: €1,300,000 ↩

Statutory minimum sum insured for destruction or damage to property is 1,300,000.00 EUR per claim event, regardless of the number of injured parties, per the current law applicable to the UAO 1/2023 terms. An older IPID edition (V1/2021) cites the superseded pre-euro amount of 9,394,000.00 kuna.

Osiguratelj je temeljem ugovora o osiguranju i propisa o odgovornosti u obvezi isplatiti naknadu za štetu koju uporabom vozila vlasnik, odnosno korisnik vozila nanese trećim osobama zbog smrti, tjelesne ozljede, narušavanja zdravlja, uništenja ili oštećenja stvari.

[58] Legal defence: Optional ↩

The IPID lists 'Osiguranje troškova pravne zaštite' (legal defence cost insurance) as a coverage that can be additionally purchased alongside the mandatory MTPL policy; no monetary limit is disclosed in the IPID.

Osiguranje troškova pravne zaštite

[59] Green card: Covered ↩

MTPL coverage automatically extends to Croatia and to Green Card System member states unless otherwise agreed; if the state where the claim occurs sets a higher minimum sum insured than in Croatia, the insurer must provide cover up to that higher amount.

Republika Hrvatska i države članice Sustava zelene karte, ako nije drukčije ugovoreno.

[60] Passenger accident: Optional ↩

The IPID lists accident insurance for driver and passengers as an optional add-on to the mandatory MTPL policy (covering death and permanent disability, and, per product page, also pet medical costs); no monetary sum insured was found in the reviewed sources.

Osiguranje od nezgode za vozača i putnike

[61] Bodily injury liability: Covered ↩

Statutory minimum sum insured for damages arising from bodily injury, health impairment, or death of third parties caused by the use or possession of the vehicle.

46.739.000 kn za štete na osobama i 9.394.000 kn za štete na stvarima.

[62] Property damage liability: Covered ↩

Statutory minimum sum insured for damages to third-party property caused by the use or possession of the vehicle.

46.739.000 kn za štete na osobama i 9.394.000 kn za štete na stvarima.

[63] Legal defence: €4,645 ↩

Optional coverage for attorney representation costs incurred due to vehicle use, determined per the attorney fee tariff in effect at the time; the policyholder freely chooses the attorney, who must be seated where the competent authority is located (or within 100 km if none available there). Maximum insurer liability for personal cars is 4,645.30 EUR.

[64] Green card: Covered ↩

Coverage automatically extends to the Republic of Croatia and countries participating in the Green Card System, using the same liability limits; the list of member countries is provided on the Green Card issued with the policy.

Osigurateljno pokriće proteže se na područje Republike Hrvatske i na zemlje članice Sustava zelene karte. Koje su zemlje članice Sustava zelene karte možete pronaći na stranici Hrvatskog ureda za osiguranje ili na primjerku zelene karte koji se uručuje uz policu.

[65] Passenger accident: Optional ↩

Optional additional coverage protecting vehicle passengers against accidental death and permanent disability; the sum insured is chosen by the policyholder and not fixed in the general product information.