CROATIA osiguranje d.d.
CROATIA osiguranje
CROATIA osiguranje is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The insurer is obliged to settle legitimate third-party claims directly and to protect the insured against unfounded or excessive claims.
Geographic scope
Croatia and Green Card System member countries
Coverage extends to the territory of the Republic of Croatia and to Green Card System member states.
Unique selling points
- 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.
Coverage limits
Bodily injury liability
HRK 46,739,000
Statutory minimum sum insured in force at policy issuance for personal injury/death claims per event was 46,739,000.00 HRK; current statutory minimum stated on the insurer's product page is €6,450,000 per event (post-euro adoption regulation update).
Property damage liability
HRK 9,394,000
Statutory minimum sum insured in force at policy issuance for property damage claims per event was 9,394,000.00 HRK; current statutory minimum stated on the insurer's product page is €1,300,000 per event (post-euro adoption regulation update).
Legal defence costs
unlimited
Litigation costs are reimbursed in full by the insurer, regardless of the sum insured, if the insured conducted the litigation with the insurer's consent or was represented by a person appointed by the insurer.
Green Card coverage
Covered
Coverage extends to the territory of Croatia and to all Green Card System member states; if the statutory minimum sum in the state where the loss occurred is higher than in Croatia, the insurer must provide cover up to that higher amount.
Roadside assistance
No limit stated
Not addressed in the reviewed T&C or IPID for this MTPL product.
Driver personal accident cover
Excluded
Claims by the driver who caused the accident, and their relatives, for the driver's own death or bodily injury are explicitly excluded from this liability policy.
Passenger personal accident cover
No limit stated
Not addressed as a distinct benefit in the reviewed T&C or IPID; passengers are covered as third parties for bodily injury liability, but no separate personal accident sum is stated.
Key conditions
Territorial scope
Coverage applies within the Republic of Croatia and in all Green Card System member states; insurer's obligation toward injured parties in those states follows Article 1(6) of the T&C.
Green card rules
If the minimum insured sum prescribed in the Green Card member state where the accident occurred is higher than the Croatian statutory minimum, the insurer must provide cover up to that higher, foreign statutory minimum.
Driver restrictions
The insured loses rights under the policy if the driver used the vehicle for a purpose other than intended, lacked a valid driving licence of the appropriate category, had their licence revoked or was banned from driving, or was excluded from traffic.
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.
Where to buy
Policy specifics
Minimum coverage limit for personal injury
Statutory minimum compulsory coverage amount for damages to third parties' persons
SourceMinimum coverage limit for property damage
Statutory minimum compulsory coverage amount for damages to third parties' property
SourceGeographic scope of coverage
Coverage applies within Croatia and Green Card System member countries
SourceCooling-off period for online contracts
For contracts concluded remotely (online), the policyholder may unilaterally cancel without reason within 14 days of contract conclusion if no benefits have been used
SourcePremium payment frequency options
Premium may be paid in full or in installments over 12 months with 5% discount for full payment
SourcePolicyholder's duty to disclose risk information
Policyholder must disclose all circumstances material to risk assessment before and during the contract period
SourcePolice notification requirement for accidents
Insured must report accidents to police immediately after occurrence
Source