Adriatic Insurance Joint Stock Company
ADRIATIC osiguranje
ADRIATIC osiguranje is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The premium may be paid in a lump sum or in instalments (semi-annually, quarterly or monthly); the first or single premium is due at the conclusion of the contract, with subsequent instalments due per the agreed schedule.
Geographic scope
Europe in the geographical sense, plus non-European areas that fall within the area of application of the European Union
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.
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
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.
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.
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.
Roadside Assistance (ZONA / ZONA exclusive)
€199 – €398
Only in ZONA, ZONA exclusive
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.
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.
Passenger Accident Insurance
Optional
Only in AUTONEZGODA, ANexclusive, ZONA, ZONA exclusive
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.
Key conditions
Territorial scope
Coverage applies to Europe in the geographical sense and non-European areas within EU jurisdiction; if a Green Card is issued, coverage extends to the non-European countries listed on it unless crossed out.
Green card rules
A Green Card can be issued as part of the compulsory MTPL contract; it extends protection to non-European countries listed on the document unless their names are crossed out.
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.
Documents
IPID - Motor Third Party Liability Insurance
IPID
Terms and Conditions for Compulsory Motor Third Party Liability Insurance
Terms & conditions
Terms for Roadside Assistance Services (ZONA)
Other document
Terms for Personal Accident Insurance in Motor Vehicles (AUTONEZGODA)
Other document
Terms for Driver Personal Injury Insurance (AOexclusive)
Other document
Product Webpage - Motor Third Party Liability
Other document
Policy specifics
Green Card (International Insurance Document)
Optional international insurance document extending coverage to non-European countries listed on the card
SourceBonus Protection (Zaštita Bonusa)
Optional coverage protecting accumulated bonus discount in case of at-fault claims
SourceWindow Glass Coverage
Optional coverage for breakage of all vehicle windows as add-on to mandatory auto insurance
SourceDriver Accident Insurance (Autonezgoda / ANexclusive)
Optional coverage for driver's personal injury resulting from traffic accident, with optional hospital daily allowance
SourceBonus Classification System (10 Bonus Levels)
Individualized pricing with up to 10 bonus levels for no-claim periods; maximum bonus discount of 74%
SourceFlexible Premium Payment
Premium can be paid in lump sum or in installments (semi-annually, quarterly, or monthly)
SourceGeographical Coverage Area
Coverage extends to Europe in geographical sense and areas within EU jurisdiction; optional Green Card extends to listed non-European countries
SourceDuty of Disclosure and Truthfulness
Policyholder must provide true, valid, and complete information about insured risk before and during contract duration
Source