ADRIATIC osiguranje Motor third-party liability (Obvezno Osiguranje Od Automobilske Odgovornosti)
Underwritten by Adriatic osiguranje d.d. · Croatia
motor third-party liability insurance from ADRIATIC osiguranje for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2024-03-30Sources
Key facts
- ADRIATIC osiguranje
Unique selling points
A single MTPL contract can be paired with a wide suite of optional riders (AUTONEZGODA, ANexclusive, AOexclusive, AO PLUS, ZONA, glass breakage, bonus protection) covering driver/passenger accidents, roadside assistance and glass damage.
Loyal drivers can reach a maximum bonus discount of 74% at the top bonus level after 20 consecutive claim-free years for passenger cars.
A 24/7, 365-day contact centre is available for claims and, if the ZONA rider is purchased, for roadside assistance across seven countries.
Policyholders can voluntarily refund small claims of up to €530.89 within 12 months to keep their contract classified as claim-free and preserve their bonus level.
Premiums can be split into semi-annual, quarterly or monthly instalments in addition to a single lump-sum payment.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal Defence Costs
No limit stated
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.
Green Card (International Insurance Document)
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.
Section: Zemljopisni opseg osiguranja
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.
Roadside Assistance (ZONA / ZONA exclusive)
€199 – €398
Optional rider combining driver/passenger accident cover with roadside assistance: on-site roadside repair up to €199.08 cumulative per year, vehicle towing up to €398.17 cumulative per year, one-off replacement vehicle up to 7 days (max €53.09/day) or one night's accommodation (max €53.09 per person), vehicle delivery up to €53.09, vehicle storage up to 7 days, and a 10% discount on unlimited additional towing above the limits. Valid in Croatia, Bosnia and Herzegovina, Slovenia, Austria, Italy, Hungary, Serbia and Montenegro, via a 24/7/365 contact centre.
Section: Moja ZONA sigurnosti
POMOĆ NA CESTI - na mjestu kvara, višekratno u tijeku godine, maksimalno do 199,08 € ... PRIJEVOZ VOZILA - u slučaju kvara, prometne nesreće ili krađe, višekratno u tijeku godine, maksimalno do 398,17 €
Driver Accident Insurance
Optional
Optional cover for the driver's own bodily injury, permanent disability or death resulting from a traffic accident, available under AUTONEZGODA, ANexclusive (with hospital daily allowance), AOexclusive (driver at fault), AO PLUS (driver partially at fault) or as part of ZONA/ZONA exclusive; the insured sum is selectable and no fixed amount is stated.
Section: Pokriće osiguranja
AUTONEZGODA - štiti Vas kao vozača i sve putnike u vozilu od posljedica tjelesne ozljede (trajna invalidnost ili slučaj smrti) zadobivenih u prometnoj nesreći
Passenger Accident Insurance
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.
Section: Pokriće osiguranja
ANexclusive - prošireno pokriće AUTONEZGODA + dnevna naknada za bolničke dane
Key conditions
Driver restrictions
The policyholder loses rights under the insurance if, at the time of the accident, the driver was under the influence of alcohol with a blood alcohol level of 0.5 g/kg or more, refused an alcohol/drug test, or was under the influence of drugs, psychoactive medicines or other psychoactive substances.
Claim notification deadline
The policyholder must report a loss that could result in an insurer payout within three (3) days, in text form.
Bonus-malus rules
Contracts are classified into bonus/malus levels based on claims history; for passenger cars there are 20 bonus levels (level 20 giving a maximum 74% discount, coefficient 0.26) plus malus levels S (120%) and M (140%); separate, shorter scales apply to trucks, buses, motorcycles and other vehicles (tractors, machinery, trailers). Reclassification occurs annually on 1 January based on the prior calendar year's claims history.
Territorial scope
Coverage extends across Europe in the geographical sense and non-European areas under EU jurisdiction; if a Green Card is issued as part of the contract, cover also extends to the non-European countries listed on it, unless their names are crossed out.
Documents
IPID - Motor Third Party Liability Insurance (opens in a new tab)
Product information sheet · PDF
Terms and Conditions for Compulsory Motor Third Party Liability Insurance (opens in a new tab)
Terms & conditions · PDF
Terms for Roadside Assistance Services (ZONA) (opens in a new tab)
Other document · PDF
Terms for Personal Accident Insurance in Motor Vehicles (AUTONEZGODA) (opens in a new tab)
Other document · PDF
Terms for Driver Personal Injury Insurance (AOexclusive) (opens in a new tab)
Other document · PDF
Product Webpage - Motor Third Party Liability (opens in a new tab)
Other document · PDF
Policy specifics
Green Card (International Insurance Document)
Optional international insurance document extending coverage to non-European countries listed on the card
SourcePage 1Section: Zemljopisni opseg osiguranja
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.
Bonus Protection (Zaštita Bonusa)
Optional coverage protecting accumulated bonus discount in case of at-fault claims
SourceClause B.1.1Page 1Section: B.1. Što Je Osiguranje Zaštite Stečenog Bonusa (Popusta)?
Osiguranje zaštite stečenog bonusa (popusta) je osiguranje od posljedica rizika jedne prijavljene štete iz AO ugovora koja prilikom obnove istog dovodi do svrstavanja u nepovoljniji (NIŽI) bonusni razred po Tablici bonusa.
Window Glass Coverage
Optional coverage for breakage of all vehicle windows as add-on to mandatory auto insurance
SourceSection: Dodatna osigurateljna zaštita
Nudimo Vam osiguranje svih prozorskih stakala na vozilu kao dodatnu mogućnost na polici obveznog osiguranja. Ostvarenje prava ne utječe na Vaš do tada stečeni bonus.
Driver Accident Insurance (Autonezgoda / ANexclusive)
Optional coverage for driver's personal injury resulting from traffic accident, with optional hospital daily allowance
SourcePage 1Section: Pokriće osiguranja
ANexclusive - prošireno pokriće AUTONEZGODA + dnevna naknada za bolničke dane
Bonus Classification System
Individualized pricing with 20 bonus levels for passenger cars (one per claim-free year); maximum bonus discount of 74% at level 20
SourceClause P.1.1Page 18Section: DODATAK > P.1. OSOBNA VOZILA > P.1.1. SVRSTAVANJE I PREMIJSKE STOPE KOD OSOBNIH VOZILA
20 20 74,0% 0,26
Flexible Premium Payment
Premium can be paid in lump sum or in installments (semi-annually, quarterly, or monthly)
SourcePage 1Section: Kada i kako platiti osiguranje
Premija se plaća jednokratno ili višekratno - polugodišnje, kvartalno ili mjesečno.
Geographical Coverage Area
Coverage extends to Europe in geographical sense and areas within EU jurisdiction; optional Green Card extends to listed non-European countries
SourcePage 1Section: Zemljopisni opseg osiguranja
Europa u geografskom smislu te izvaneuropska područja koja spadaju u područje važenja Europske Unije.
Duty of Disclosure and Truthfulness
Policyholder must provide true, valid, and complete information about insured risk before and during contract duration
SourcePage 1Section: Obveze osiguranika
Pružiti istinite, važeće i potpune informacije o osiguranom riziku - prije i za vrijeme trajanja ugovora.
Sources
- adriatic-osiguranje.hrhttps://www.adriatic-osiguranje.hr/dokumenti/vozila/autoodgovornost/IDD_AD_Obvezno_osiguranje_od_automobilske_odgovornosti.pdf#page=1(opens in a new tab)
- adriatic-osiguranje.hrhttps://www.adriatic-osiguranje.hr/dokumenti/vozila/autoodgovornost/Uvjeti_AO_zastita_bonusa_JO.pdf#page=1(opens in a new tab)
- adriatic-osiguranje.hrhttps://www.adriatic-osiguranje.hr/dokumenti/vozila/autoodgovornost/uvjeti_ZONA.pdf#page=2(opens in a new tab)
- adriatic-osiguranje.hrhttps://www.adriatic-osiguranje.hr/dokumenti/vozila/autoodgovornost/uvjeti_ao.pdf#page=18(opens in a new tab)
- adriatic-osiguranje.hrhttps://www.adriatic-osiguranje.hr/dokumenti/vozila/autoodgovornost/uvjeti_ao.pdf#page=3(opens in a new tab)