Allianz

territorial_scope

Coverage applies to the territory of the Republic of Croatia and the territories of all Green Card System member states (all EU member states, Switzerland, Bosnia and Herzegovina, Montenegro, Serbia, North Macedonia and others). Accident and casco coverage also valid in Kosovo. Roadside assistance valid across all European countries (including European Turkey and the Greek part of Cyprus) except Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia and Ukraine. In any Green Card country where the statutory minimum sum insured exceeds Croatia's minimum, Allianz provides coverage up to that country's minimum.

green_card_rules

The International Motor Insurance Certificate (formerly Green Card) is issued at policy inception by Allianz and proves valid MTPL coverage in all Green Card System member states. It is valid for travel abroad and must be carried in the vehicle. A list of member states is printed on the certificate and published at huo.hr. For entry into certain states, the certificate is mandatory proof; in the 35 states that have abolished mutual Green Card border controls, the registration plate is sufficient proof.

driver_restrictions

Any person operating the insured vehicle with the policyholder's permission is covered. Loss of MTPL rights occurs if the driver: (1) used the vehicle for unintended purpose; (2) lacked a valid licence of the appropriate category (except during supervised driving instruction); (3) had their licence revoked or was banned from driving; (4) was under the influence of alcohol above the legal limit, drugs or psychoactive substances, or refused sobriety testing, or left the accident scene before notifying police (when required); (5) caused damage intentionally; (6) the vehicle was technically defective and the driver was aware; (7) damage was caused by the criminal offence of reckless driving (obijesna vožnja). In such cases Allianz pays the third party but seeks recourse from the insured up to 12 average net salaries (or full amount for intentional damage/reckless driving).

claim_notification_deadline

The insured is obliged to report a claim to Allianz without delay. It is recommended to report within 24 hours of the event or of becoming aware of it. If the event was reported to police, the insured must notify Allianz within 24 hours of becoming aware and attach the police record. Immediate police notification is required in cases involving serious injury or death, fire, explosion, theft, burglary, robbery, vandalism, or a multi-vehicle accident. The damage claim can be submitted via the online form at www.allianz.hr or by calling 072 100 001.

bonus_malus_rules

The MTPL premium is determined by the bonus-malus system with premium classes 1 to 18. New policyholders for personal vehicles start at premium class 1 (50% bonus); for all other vehicle categories they start at premium class 5 (30% bonus). Each claim-free year advances the insured to a more favourable class; each at-fault claim results in reclassification to a less favourable class. Bonus protection (waiver) is available as an optional add-on: if a claim occurs and bonus protection was purchased, the policyholder retains their current bonus class at next renewal. Bonus from a family member can be transferred to vehicles for policyholders over 27 years of age. Bonus from a sold vehicle can also be transferred.

Legal assistance and defence costs

Covers costs of legal representation in case of criminal procedure for traffic accident

Coverage for accidents caused by uninsured vehicles

Allianz pays compensation even when accident is caused by uninsured vehicle

Passenger and driver injury coverage

Coverage for death and/or permanent disability of driver and passengers caused by traffic accident

Natural disaster coverage (NatCat)

Covers vehicle damage from storm, landslide, hail, flooding, earthquake and similar natural events

Theft and vandalism coverage

Covers vehicle damage or destruction resulting from theft, attempted theft or vandalism

Full CASCO coverage with breakage

Full comprehensive coverage including natural disasters, theft, vandalism and breakage of vehicle parts

Animal collision coverage

Covers vehicle damage caused by collision with domestic or wild animals

Bonus-Malus premium rating system

Premium for mandatory motor third-party liability depends on claims history and premium class ranking from 1 to 18

Vehicle inspection requirement for CASCO packages

Technical vehicle inspection required when contracting CASCO coverage (packages PLUS, EXTRA, MAX) to assess condition and value

Deductible (franchise) for CASCO coverage

Policyholder participates in payment of CASCO claims up to specified deductible amount per claim

Geographic coverage scope

Insurance covers damage on territory of Republic of Croatia and territories of Green Card System member states (EU, Switzerland, Bosnia and Herzegovina, Montenegro, Serbia, North Macedonia and others)

Policy transfer on vehicle sale

When vehicle is sold, mandatory motor third-party liability coverage remains in force until contract expiration and transfers to new owner with vehicle

Vehicle deregistration and premium refund

Policyholder has right to cancel contract upon vehicle deregistration (destruction, scrapping, withdrawal from traffic, theft) and can claim 90% refund of unused premium if no claims occurred

Insurer recourse limitations for MTPL

Allianz may seek recourse from insured for paid claims in specific cases: unauthorized vehicle use, missing valid driving license, driver under influence of alcohol/drugs/narcotics, intentional damage, or reckless driving