ADRIATIC
ADRIATIC is a motor third-party liability insurance for the HR market with no online purchase and 24/7 assistance.
Direct payment
Adriatic osiguranje pays compensation directly to the injured third party based on the liability of the insured. The insurer handles claims on behalf of the policyholder. The insured does not have the right to settle or acknowledge claims without the insurer's consent.
Geographic scope
HR
Europa u geografskom smislu te izvaneuropska područja koja spadaju u područje važenja Europske Unije. Ako je izdana Zelena karta, pokriće se proteže i na neeuropske zemlje navedene na karti ako nazivi zemalja nisu precrtani.
Unique selling points
- Adriatic offers an individualised MTPL pricing model with 10 no-claims bonus classes and a maximum discount of 74% for long-term claim-free drivers.
- Bonus classification is automatically transferred when replacing a vehicle or acquiring additional vehicles, provided the habitual driver remains the same — no bureaucratic re-application required.
- Optional bonus protection (Zaštita bonusa) allows one at-fault claim per calendar year to be disregarded for reclassification purposes, preserving the earned discount.
- 24/7 contact centre available 365 days a year via freephone 0800 10 05 (Croatia) or +385 1 6269 825 (abroad), covering 8 countries in the ZONA roadside assistance territory.
- Policyholders can avoid a malus reclassification by voluntarily reimbursing the insurer's paid claim within 12 months after notification, for amounts not exceeding EUR 530.89.
Coverage limits
Bodily injury liability
Covered
Covers damages caused to third parties by the insured vehicle, including death, bodily injury, and health impairment. The insured sum equals the statutory minimum per loss event (EUR 6,450,000 per event / EUR 1,300,000 per injured person) unless a higher sum is contractually agreed. The actually incurred damage is paid up to the insured sum.
Property damage liability
Covered
Covers damage to or destruction of third-party property caused by the insured vehicle. The insured sum equals the statutory minimum of EUR 1,300,000 per loss event unless a higher sum is contractually agreed.
Legal defence
Covered
Legal defence costs are not included as a standalone coverage in the base MTPL product. The insurer handles claims processing and may engage legal representation on behalf of the insured in third-party liability disputes, but a separate legal protection insurance is not offered within this product.
Green Card (international motor insurance certificate)
Covered
The Green Card is issued free of charge as part of the mandatory motor liability insurance contract. Coverage extends to geographic Europe and extra-European territories within the scope of EU validity. Non-European countries listed on the card are also covered unless crossed out.
Roadside assistance (ZONA add-on)
Optional
Not included in the base MTPL policy. Available as an optional add-on (ZONA) covering roadside technical assistance up to EUR 199.08 per policy year (multiple incidents), vehicle towing up to EUR 398.17, replacement vehicle up to 7 days (max EUR 53.09/day), vehicle storage up to 7 days, and vehicle delivery up to EUR 53.09. Coverage territory: Croatia, Bosnia-Herzegovina, Slovenia, Austria, Italy, Hungary, Serbia and Montenegro. Contact centre available 24/7/365.
Driver accident insurance (AUTONEZGODA / AOexclusive / AO PLUS add-ons)
Optional
Not included in the base MTPL policy. Available as optional add-ons: AUTONEZGODA covers the driver and all passengers against consequences of bodily injury (permanent disability or death) in a traffic accident; AOexclusive covers driver's personal injury in case of sole fault; AO PLUS covers driver's personal injury in case of partial fault. Insured sums are selectable. ANexclusive extends AUTONEZGODA with a daily hospital benefit.
Passenger accident insurance (AUTONEZGODA add-on)
Optional
Not included in the base MTPL policy. Available as an optional add-on (AUTONEZGODA), which covers the driver and all passengers in the vehicle against permanent disability and death resulting from a traffic accident. Insured sums are selectable by the policyholder.
Key conditions
territorial_scope
Coverage applies throughout geographic Europe and extra-European territories within the scope of EU validity. Where a Green Card is issued as part of the contract, coverage extends to non-European countries listed on the card unless their names are crossed out. The border insurance also covers Croatia, all EEA countries, and Switzerland.
green_card_rules
The Green Card is issued as part of the MTPL contract and serves as international proof of insurance. It extends coverage to non-European countries listed on the card unless crossed out. Coverage in EEA countries applies up to the minimum sums prescribed by the law of the country where the damage occurred. The contract and Green Card are governed by Croatian law.
driver_restrictions
The policyholder loses insurance rights if the driver, at the time of the accident, was under the influence of alcohol with a blood alcohol level of 0.5 g/kg or more, or refused to undergo alcohol/drug testing. Rights are also lost in cases of unauthorized driving, driving without a valid licence, reckless driving, or intentionally caused damage. The insurer retains the right to seek partial or full reimbursement from the driver in these cases.
claim_notification_deadline
The insured must report any loss event that results in compensation payment by the insurer within three (3) days in written (text) form. In the event of a loss, the insured must also mitigate damages to the greatest possible extent and clarify the circumstances of the event.
bonus_malus_rules
The contract is assigned to a bonus class based on the claims history of the policyholder. Ten bonus classes apply to personal vehicles (M1), with a maximum bonus of 74% (coefficient 0.26) after 20 uninterrupted claim-free years, and two malus classes (S: 120%, M: 140%). Separate bonus tables apply to trucks, buses, motorcycles, and other vehicles. The bonus classification automatically transfers upon vehicle replacement or acquisition of additional vehicles if the habitual driver remains the same. Claims-free years with another insurer are recognised. Optional bonus protection (Zaštita bonusa) allows one claim per calendar year to be disregarded for reclassification purposes.
Documents
IDD – Dokument s informacijama o proizvodu osiguranja (IPID) – Obvezno osiguranje od automobilske odgovornosti
ipid
Uvjeti za obvezno osiguranje od automobilske odgovornosti (AD 2024/10.01-1, na snazi od 30. ožujka 2024.)
terms_and_conditions
Uvjeti za pružanje usluga tehničke pomoći na cesti – ZONA (AD 2022/18.04-3-2.2)
other
Uvjeti za granično osiguranje od automobilske odgovornosti
terms_and_conditions
Policy specifics
Green Card coverage
Coverage extends to European countries and territories covered by the Green Card System for international motor insurance
No-claims bonus discount system
Ten bonus classes with maximum bonus of 74% for drivers with no claims history
Vehicle category classifications
Coverage applies to personal vehicles (M1), cargo vehicles (N1), buses, motorcycles, light quad-cycles, quad-cycles, tractors, work equipment and trailers
Claim notification requirement
Insured must report loss events resulting in claim payment within three days in written form
Premium payment frequency options
Premium can be paid as a single payment or multiple payments (semi-annually, quarterly, or monthly)
Road technical assistance coverage
Optional coverage for technical road assistance for registered personal (M1) and cargo (N1) vehicles
Contract duration
Mandatory motor liability insurance contracts normally have 12-month duration, with exceptions for trial plates, export plates and short-term contracts
Contract termination conditions
Contract termination is possible in cases of vehicle destruction, deregistration, being taken out of traffic, or theft
Pre-contractual information disclosure
Policyholder must provide true, valid and complete information about the insured risk before and during contract duration
Dispute resolution procedure
All disputes arising from or related to the insurance contract are to be resolved amicably, with complaints handled through formal procedures