CROATIA osiguranje Motor third-party liability (Obvezno Auto Osiguranje)

Buy compulsory MTPL online with a choice of a 5% discount for one-off payment or interest-free payment in 12 installments.

Digital policy is delivered instantly by email after online purchase and is valid at technical inspection stations and police checks.

Customers who take out compulsory auto insurance join the "Dobra prilika" loyalty program offering discounts with partner companies and a fuel discount.

The "Spektar" program lets customers combine multiple household insurance policies into one package for greater savings and free covers.

Driver restrictions

The insured loses rights under the policy if the driver used the vehicle for a purpose other than intended; lacked a valid licence of the appropriate category; had the licence revoked, was excluded from traffic or banned from driving; was under the influence of alcohol (0.5 g/kg or more), drugs or psychoactive substances, or refused testing; caused the damage intentionally; knew the vehicle was technically defective; or caused the damage by reckless driving established by a final judgment. The insured must then repay the insurer up to 12 average net salaries (the full amount for intentional damage or reckless driving).

Section: GUBITAK PRAVA IZ OSIGURANJA > Članak 3

Osiguranik gubi svoja prava iz osiguranja u sljedećim slučajevima: 1. ako vozač nije koristio vozilo u svrhu za koju je namijenjeno, ... 7. ako je šteta prouzročena kaznenim dijelom obijesne vožnje u cestovnom prometu za koje je donesena pravomoćna sudska presuda. ... Osiguranik koji gubi svoja prava iz stavka (1) ovog članka dužan je osiguratelju naknaditi isplaćeni iznos najviše do 12 (dvanaest) prosječnih neto plaća prema zadnjem izvješću Državnog zavoda za statistiku. Iznimno, kad je šteta prouzročena namjerno ili ako je šteta prouzročena kaznenim djelom obijesne vožnje u cestovnom prometu za koje je donesena pravomoćna sudska presuda, osiguratelj ima pravo od osobe koja je odgovorna za štetu na naknadu cjelokupnog iznosa štete, kamatu i troškove.

Claim notification deadline

The insured must notify the insurer of a loss event within three days of becoming aware of it; if a claim, lawsuit, or civil-law demand is raised against the insured, they must notify the insurer within three days of receiving the relevant documentation and forward all related paperwork.

Bonus-malus rules

The reviewed T&C and IPID do not set out a specific bonus-malus scale; they only state that vehicles with increased risk (e.g. taxis, rental vehicles, vehicles transporting dangerous goods) are subject to a mandatory risk surcharge.

Territorial scope

Coverage extends to the territory of the Republic of Croatia and to Green Card System member states.