Allianz Hrvatska d.d.
Allianz
Allianz is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
For MTPL claims, the injured third party is entitled to fair monetary compensation under the Civil Obligations Act, and Allianz pays the compensation directly to the injured party (not to the policyholder) based on the extent of injury or damage established.
Geographic scope
Republic of Croatia and Green Card System member states
Coverage applies in the Republic of Croatia and in the territories of Green Card System member states, which include all EU member states, Switzerland, Bosnia and Herzegovina, Montenegro, Serbia, Macedonia and other countries. Roadside assistance is valid in EU member states plus Bosnia and Herzegovina, Montenegro, Serbia, Macedonia, Andorra, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Vatican, the European part of Turkey and the Greek part of Cyprus.
Unique selling points
- Legal defence for the driver in criminal proceedings up to 5,500 EUR per claim is included even in the entry-level COMFORT package.
- Roadside assistance with unlimited call-outs (except two battery call-outs per year) is bundled into the cheapest package rather than sold as a costly add-on.
- Customers can track their claim status in real time 24/7 through the online 'Status štete' service.
- A family member over 27 can take over an existing family bonus-malus discount, and the bonus can be retained after selling the insured vehicle.
- Policies can be purchased entirely online with the digital MTPL policy and Green Card certificate delivered by email immediately after payment.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
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.
Property Damage Liability
Covered
No limit stated
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.
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.
International Insurance Certificate (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.
Roadside Assistance
Covered
Basic roadside assistance (COMFORT tier) covers on-site repair up to 1 hour, towing to a partner workshop up to 20 km away, and passenger transport up to 50 km, usable without limit except battery-related breakdowns (2 uses/policy year). Extended roadside assistance (PLUS, EXTRA, MAX tiers) raises towing distance up to 150 km and passenger transport up to 100 km, and adds a replacement vehicle, hotel accommodation, repatriation and transport of mortal remains. Valid in EU member states plus Bosnia and Herzegovina, Montenegro, Serbia, Macedonia, Andorra, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Vatican, European Turkey and Greek Cyprus.
Driver Personal Accident
Covered
No limit stated
Covers the driver for death or permanent disability resulting from a road accident. In the COMFORT tier this is the 'Basic' accident cover, with sums insured stated on the policy schedule; PLUS, EXTRA and MAX tiers include 'Extended' accident cover with increased insured sums for the same events.
Passenger Personal Accident
Covered
No limit stated
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.
Key conditions
Territorial scope
MTPL coverage extends to the Republic of Croatia and the territories of Green Card System member states; if the minimum insured sum required in the country where the loss occurred is higher than the Croatian minimum, Allianz provides cover up to that higher minimum.
Green card rules
The International Certificate of Insurance (Green Card) is issued when the policy is concluded and serves as proof of valid MTPL cover in Green Card System countries; the list of member countries is shown on the certificate and on the Croatian Insurance Bureau website.
Driver restrictions
The insured loses rights under the policy if the driver used the vehicle other than for its intended purpose, lacked a valid driving licence of the appropriate category, had the licence revoked or was banned from driving, was driving under the influence of alcohol above the contracted limit, drugs or other psychoactive substances (or refused testing), caused the damage intentionally, or the damage arose from reckless driving constituting a criminal offence. Allianz still compensates the injured third party but may recover the paid amount from the responsible party, up to the limit set by the Traffic Insurance Act.
Claim notification deadline
The insured must report a claim to Allianz without delay; reporting within 24 hours of the event or of becoming aware of it is recommended, and is mandatory within 24 hours of becoming aware when the event was also reported to the police.
Bonus-malus rules
MTPL premium depends on the policyholder's claims history through a bonus-malus system based on premium classes (1st to 18th class); on first conclusion of a policy, new customers start at the 1st premium class (50% bonus) for passenger cars or the 5th class (30% bonus) for other vehicle categories, with discounts and surcharges ranging between a 50% discount and up to 250% surcharge. Family members over 27 can take over a family bonus, and the bonus can be retained after selling a vehicle or, if bonus protection was purchased, kept at renewal even after a claim.
Where to buy
Policy specifics
Motor Third Party Liability Coverage
Mandatory coverage included in all Moj auto packages that covers bodily injury and property damage caused to third parties by the insured vehicle
SourceVehicle Ownership Transfer
MTPL coverage remains in force when vehicle is sold until the end of the contract period; new owner assumes the policy. All other coverages from the package cease at midnight on the day of sale.
SourceGeographical Coverage Scope
MTPL coverage applies in Republic of Croatia and territories of Green Card System member states. All EU member states plus Switzerland, Bosnia and Herzegovina, Montenegro, Serbia, and Macedonia are included.
SourcePolicy Package Options
Moj auto offers four main package tiers (COMFORT, PLUS, EXTRA, MAX) with increasing levels of coverage. MTPL is included as mandatory component in all packages.
Source