Croatia osiguranje
Croatia osiguranje is a motor third-party liability insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
The insurer settles justified claims directly to third-party injured persons in accordance with legal provisions and insurance practice. The insured may delegate claim processing to the insurer.
Geographic scope
HR
Republika Hrvatska i države članice EU/EEA te zemlje članice Sustava zelene karte
Unique selling points
- Statutory bodily injury limit of 6,450,000 EUR and property damage limit of 1,300,000 EUR per event — the highest mandatory minimums currently prescribed by Croatian law.
- Instant digital policy issued on purchase — delivered to the policyholder's email and immediately valid for technical inspection, police checks and accident documentation.
- Damage can be reported 24 hours a day via the Moja Croatia mobile app, online, or by phone at 072 00 1884.
- Payment flexibility: up to 12 monthly instalments or a 5% discount for single lump-sum payment.
- Wide range of optional add-ons available alongside the base policy — including legal defence, bonus protection, roadside assistance, and accident cover for drivers and passengers — all customisable in a single online purchase flow.
Coverage limits
Bodily injury liability
Covered
Covers liability for bodily injury, health impairment or death caused to third parties through use of the insured vehicle. Statutory minimum insured sum in Croatia is 6,450,000 EUR per loss event.
Property damage liability
Covered
Covers liability for destruction or damage to third-party property caused by use of the insured vehicle. Statutory minimum insured sum in Croatia is 1,300,000 EUR per loss event.
Legal defence (Coverage A)
Optional
Optional add-on. Coverage A covers attorney costs up to 4,645.30 EUR if criminal proceedings are initiated against the policyholder due to a traffic accident they caused. Litigation costs incurred with the insurer's consent are reimbursed in full regardless of the insured sum.
Green Insurance Card
Covered
Coverage extends to the Republic of Croatia and to EU/EEA member states and countries of the Green Card System. In each country, the insurer's obligation to injured parties meets the minimum insured sum prescribed in that country if it exceeds the Croatian statutory minimum.
Roadside assistance
Optional
Optional add-on. Covers costs of roadside assistance in cases such as traffic accidents or technical failure where the personal vehicle is not roadworthy or not safe to drive. Depending on the selected package, covers vehicle transport to the place of residence or location of choice and a replacement vehicle.
Driver accident insurance
Optional
Optional add-on. By adding accident insurance, the policyholder is entitled to compensation in the event of permanent disability or payment to legal heirs in the event of death resulting from an accident. Indicative base sums: 5,308.91 EUR for accidental death, 10,617.82 EUR for permanent disability. Nezgoda plus and Nezgoda super plus options provide additional medical service coverage.
Passenger accident insurance
Optional
Optional add-on. Passengers of the insured vehicle can be covered for consequences of accidents during travel, including permanent disability and death benefits. The accident insurance add-on covers both drivers and passengers.
Key conditions
territorial_scope
Insurance coverage extends to the territory of the Republic of Croatia and to EU/EEA member states and Green Card System member countries. In those countries the insurer's obligation towards injured parties is aligned with Article 1(6) of the Terms. If the minimum insured sum prescribed in the country where the loss occurred is higher than the Croatian statutory minimum, the insurer provides coverage up to that higher amount.
green_card_rules
The insurance policy is valid in Croatia and in all Green Card System member states. The Green Card serves as international proof of compulsory motor liability insurance. For travel to member states where the registration plate is not accepted as proof of insurance, the policyholder should ensure the Green Card document is carried.
driver_restrictions
The insured loses rights under the policy if: (1) the driver used the vehicle for a purpose other than its intended use; (2) the driver did not hold a valid driving licence of the appropriate type or category; (3) the driver had their licence revoked or was excluded from traffic; (4) the driver was under the influence of alcohol (0.5‰ or more) or drugs/psychoactive substances at the time of the accident, or refused testing; (5) damage was caused intentionally; (6) damage resulted from a technically defective vehicle known to the driver; (7) damage was caused by the criminal offence of reckless driving with a final court judgment. The insured may avoid loss of rights by proving no personal fault or no causal link between the circumstance and the accident.
claim_notification_deadline
The insured must notify the insurer of the loss event within 3 days of the event occurring and provide truthful and complete data on the course of the traffic accident and its circumstances. If a civil claim, lawsuit or request for evidence preservation has been filed against the insured, notification must also be given within 3 days of receiving such documentation, together with all written materials. Failure to comply reduces the insurer's obligation to the insured by the amount of damage caused by such breach.
bonus_malus_rules
In the event of an at-fault traffic accident, the policyholder's bonus is reduced by 15 percentage points in the following year. An optional bonus protection add-on is available that preserves the earned bonus even after an at-fault claim. All insurers in Croatia use a unified bonus-malus system accessible via a central register. The bonus is linked to the vehicle owner's personal identification number (OIB), not the vehicle or insurer, and is portable when switching insurers or purchasing a new vehicle.
Where to buy
Documents
Uvjeti za obvezno osiguranje od automobilske odgovornosti (05.03.101-01.01.10.2018)
terms_and_conditions
Uvjeti za obvezno osiguranje od automobilske odgovornosti – mirror URL (05.03.101-01.01.10.2018)
terms_and_conditions
IPID – Osiguranje motornih vozila / Obvezno osiguranje od automobilske odgovornosti (11.03.101-01.01.06.2019)
ipid
Policy specifics
Statutory minimum insurance amounts
The compulsory insurance covers liability for damages up to statutory limits: 6,450,000 EUR for bodily injury and 1,300,000 EUR for property damage per loss event.
Green Insurance Card coverage
Insurance coverage applies in Croatia and other Green Card System member states
Third-party liability coverage
Coverage protects third parties from damages caused by the insured vehicle
Recourse procedure
The insurer may initiate recourse proceedings against the at-fault driver in specific circumstances
Policy rights transfer on vehicle ownership change
Insurance rights and obligations automatically transfer to the new vehicle owner
Contract termination on vehicle deregistration
Insurance contract terminates when the vehicle is deregistered
Cooling-off period for online contracts
For contracts concluded online, the policyholder can withdraw within 14 days if no insurance benefits have been used
Unused premium refund
Upon vehicle deregistration, the insurer must refund the unused portion of the premium