Euroherc
Euroherc is a motor third-party liability insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
The injured third party may submit a claim directly to Euroherc (direct claim by third party). Euroherc is obliged to evaluate the claim within 60 days of receipt and provide a reasoned settlement offer. Payment is made on the basis of a recognised liability, approved settlement, or court judgment.
Geographic scope
HR
Republic of Croatia and all Green Card system member states; policy concluded in Croatia covers damages in Croatia and Green Card member state territories per Croatian law (Zakon o obveznim osiguranjima u prometu)
Unique selling points
- AOexclusive add-on pays driver's personal injury compensation up to EUR 66,361.40 even when the driver is at fault or partially at fault (1-50% shared liability).
- ZONA EXCLUSIVE provides an exclusive daily hospital fee of EUR 26.54 per day (up to 180 days) — marketed as unique coverage not available from all Croatian MTPL insurers.
- Bonus-malus system with up to 27 tiers for passenger cars and a maximum no-claims discount of 74%, rewarding long-term safe drivers with significant premium reductions.
- ZONA package delivers 24/7 roadside assistance via HAK (1987 helpline) with vehicle transport, replacement car and storage all bundled — contracted in a single add-on to the MTPL policy.
- Policies can be purchased online via prodaja.euroherc.hr with instant issuance, and long-term policy holders receive additional loyalty discounts.
Coverage limits
Bodily injury liability
Covered
Covers third-party claims for death, bodily injury, and health impairment caused by the insured vehicle. Minimum statutory sum insured is EUR 6,450,000 per loss event regardless of number of injured persons, or EUR 1,300,000 per injured person, as set by the Croatian Law on Compulsory Insurance in Traffic.
Property damage liability
Covered
Covers third-party claims for destruction or damage to property caused by the insured vehicle. Minimum statutory sum insured is EUR 1,300,000 per loss event regardless of number of injured persons, as set by the Croatian Law on Compulsory Insurance in Traffic.
Legal defence
Covered
Euroherc is obliged to jointly defend against unfounded or excessive claims, conduct litigation in the insured's name, cover litigation costs and other justified costs up to the sum insured. Criminal proceedings costs and extra-judicial representation costs are not covered.
Green Card (International Motor Insurance Certificate)
Covered
A policy concluded in Croatia is valid in all Green Card system member states. For travel to countries where licence plates are not accepted as proof of insurance, an international Green Card document is issued free of charge. Croatian registration plates serve as proof of valid insurance in all EU and EEA member states and certain other countries (Bosnia and Herzegovina, Serbia, Montenegro, etc.).
Roadside assistance (ZONA add-on)
Optional
Available as the optional ZONA package add-on to the MTPL policy. Provides fast and professional roadside assistance 24 hours a day, 365 days a year, multiple times during the year up to EUR 199.08 total; vehicle transport up to EUR 398.17 per year; replacement vehicle up to 7 days per year (max EUR 53.09/day). Assistance provided via HAK (1987 helpline).
Driver accident insurance (AOexclusive / AO PLUS)
Optional
Available as an optional add-on (AOexclusive policy). Compensates the driver's personal damage if involved in a traffic accident that was their fault or due to force majeure, with coverage up to EUR 66,361.40. Also includes AO PLUS coverage for partial shared-liability accidents (1-50% contribution). Hospital daily fee of EUR 26.54 per day (up to 180 days) available under ZONA EXCLUSIVE.
Passenger accident insurance (ZONA add-on)
Optional
Available as an optional ZONA package add-on to the MTPL policy. Provides accident insurance with high insured amounts of choice for all passengers in the vehicle, covering death and permanent disability due to an accident. Exact sum insured is selectable and not fixed in the product page.
Key conditions
territorial_scope
The policy covers insured events on the territory of the Republic of Croatia and, by law, on the territory of all Green Card system member states. Croatian registration plates serve as proof of valid insurance in EU/EEA states and other Green Card member countries (Bosnia and Herzegovina, Serbia, Montenegro). For non-Green Card countries or where plates are not accepted, a physical Green Card document must be obtained.
green_card_rules
A policy concluded in Croatia with Croatian registration plates automatically covers travel in all EU/EEA states and Green Card member countries without requiring a separate document. The insurer must extend coverage to damages occurring in Green Card member states up to the minimum coverage amount prescribed by the law of the country where the damage occurred. A physical Green Card document is required for countries outside the EU where plates are not sufficient proof.
driver_restrictions
The insured loses their right to indemnification if, at the time of the traffic accident, they were driving the vehicle under the influence of alcohol with a blood alcohol content of 0.5 g/kg or more (0.5 per mille or more), or if they refused to submit to an alcohol/drug test after the accident. The insurer retains the right to seek recourse from the insured in such cases while still paying compensation to the injured third party.
claim_notification_deadline
The insured must notify Euroherc without delay and in writing of any event or circumstance that could lead to a claim, as well as when a claim is raised against them through a court. Additionally, the insured must immediately notify the insurer if a criminal investigation is opened, an indictment is filed, or a criminal decision is issued. The general practice requires notification within 7 days of the event.
bonus_malus_rules
The bonus-malus system is applied annually based on the insured's claims history. Passenger cars have up to 27 bonus tiers (tiers 1-20 plus reference tier 0, malus tiers S and M), with a maximum bonus of 74% (tier 20) and maximum malus of 140% (tier M). New contracts start at tier 0 (reference premium). Claims-free years progress the contract to more favourable tiers; claims return the contract to less favourable tiers. An optional bonus protection add-on can absorb one claim per calendar year without triggering reclassification. The policyholder may voluntarily refund the paid indemnity within 12 months to restore the contract to a claims-free status if indemnity does not exceed EUR 530.
Policy specifics
Hospital daily fee for accident victims
Daily compensation of EUR 26.54 per day of hospital treatment, up to 180 days - unique coverage mentioned as Market feature
Personal injury compensation in shared liability accidents
Compensation for personal damage to driver if accident was not entirely their fault but they contributed to damage with 1-50% shared responsibility
No-claim bonus protection
Optional add-on protection ensuring no loss of acquired bonus grade even after single reported claim under compulsory auto liability insurance
ZONA roadside assistance package
Bundled coverage combining accident insurance with high insured amounts, 24/7 roadside assistance, vehicle transportation up to EUR 398.17, and replacement vehicle during repairs
No-claim bonus grading system
Progressive 27-tier bonus-malus system (tiers 1-20, reference tier 0, malus tiers S and M) where drivers can achieve up to 74% bonus discount based on claim-free years
Right of withdrawal
Policyholder has right to withdraw from contract within specified period after policy receipt without stated reasons