Extracted from source documents

EuroHerc Motor third-party liability (Mtpl Standard)

Underwritten by EUROHERC osiguranje d.d. · Croatia

motor third-party liability insurance from EuroHerc for the Croatia market, with 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2014-03-31Sources

24/7 helpline

Unique selling points

Unique-in-market daily hospital allowance of EUR 26.54 (HRK 200) per day of hospital treatment, for up to 180 days.

Selectable high accident sums insured for the driver and all passengers in the vehicle.

24/7 roadside assistance multiple times per year through the optional ZONA package, including towing up to EUR 500.

Bonus protection preserves your acquired no-claims discount after a single reported claim, regardless of its type or amount.

AO Exclusive driver injury cover pays up to EUR 66,361.40 (HRK 500,000) even when the policyholder caused the accident.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

€6.5M

Covered

Handling and rejection of third-party claims

Covered

MTPL insurance pays justified compensation claims of third parties up to the agreed sums and rejects unjustified claims on the insurer's own behalf; costs of assessors, legal advice and litigation are excluded from what counts toward a claims-loaded year.

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Section: Informacija za klijente ili ugovaratelja osiguranja > Osigurateljna zaštita vezana za Vaše vozilo

Osiguranje od automobilske odgovornosti isplaćuje naknadu štete kod opravdanih zahtjeva trećih osoba do visine ugovorom ugovorenih svota pokrića i odbija neopravdana potraživanja.

Covered

Green Card

Covered

As part of the MTPL contract, the insurer provides proof of the international insurance document (Green Card), valid as proof of compulsory insurance in Green Card System member states, per the matters governed by the Compulsory Insurance in Traffic Act referenced in the Terms.

Optional · ZONA

Roadside assistance (ZONA package)

Optional

Optional ZONA add-on provides 24-hour roadside assistance multiple times per year up to EUR 199.08 (HRK 1,500), and vehicle transportation/towing multiple times per year up to EUR 500, plus vehicle storage up to 7 days and delivery after repair up to EUR 53.09 (HRK 400).

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > ZONA HAS A UNIQUELY BIG AND WIDE COVERAGE.

Roadside assistance several times during the year up to EUR 199.08 Transportation of vehicle several times during the year up to EUR 500 Vehicle safekeeping up to 7 days Vehicle delivery after repair / transport up to EUR 53.09

Optional · AO Exclusive

Driver accident cover (AO Exclusive)

€66.4K

Optional AO Exclusive add-on covers the driver's own personal injury costs and rehabilitation in an accident caused by the driver's own fault or by force majeure, up to EUR 66,361.40 (HRK 500,000).

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > Have you insured its driver?

AOexclusive policy compensates your personal damage and protects you as a driver, in case you were involved in a traffic accident while operating and insured vehicle which was your fault or caused by a force majeure, with the coverage of up to EUR 66,361.40.

Optional · AN Exclusive

Personal accident cover for driver and passengers (AN Exclusive)

Optional

Optional add-on with multiple selectable coverage tiers for death and permanent disability of the driver and all passengers in the vehicle; no fixed sums are published, as amounts are chosen by the policyholder.

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > Do you have quality coverage for the driver and passengers in your vehicle?

Possibility of choosing high insured amounts – this is your guarantee of quality insurance coverage in case of death and permanent disability for the driver and all passengers in your vehicle.

Key conditions

Driver restrictions

The policyholder loses rights under the insurance if, at the time of the accident, they were driving under the influence of alcohol with a blood alcohol content of 0.5 g/kg or more, or refused to undergo testing for alcohol, drugs, psychoactive medication or other psychoactive substances.

Claim notification deadline

It is recommended to submit the claim as soon as possible. The insurer must deliver a reasoned offer for compensation or a justified reply within 60 days of receiving the claim, and must pay the offered amount within 15 days of sending the reasoned offer.

Bonus-malus rules

Policies are classified into bonus/malus grades based on claims history and reclassified annually on 1 January. With a claims-free history, discounts of up to 74% can be achieved; a reported claim moves the contract to a less favourable grade the following year, unless optional Bonus Protection has been arranged, which forgives one reported claim per calendar year regardless of its type or amount.

Territorial scope

Covers claims arising in the Republic of Croatia and in the territories of Green Card System member states, in accordance with the Compulsory Insurance in Traffic Act

Documents

Terms for Compulsory Motor Third Party Liability Insurance (opens in a new tab)

Terms & conditions · PDF

Key information for the injured party (MTPL claims guide) (opens in a new tab)

Other document · PDF

Policy specifics

Personal accident coverage for driver and passengers

Additional protection for personal injuries and disability of driver and all passengers in the vehicle

Source

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > Do you have quality coverage for the driver and passengers in your vehicle?

Possibility of choosing high insured amounts – this is your guarantee of quality insurance coverage in case of death and permanent disability for the driver and all passengers in your vehicle.

Daily hospital allowance

Daily fee for hospital treatment days, unique market coverage of EUR 26.54 or HRK 200 per day (up to 180 days)

Source

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > Do you have quality coverage for the driver and passengers in your vehicle?

Daily fee for hospital days in the amount of EUR 26.54 for each day of hospital treatment (up to 180 days) – unique coverage in the market

Bonus protection (no claims discount protection)

Protection of acquired no-claims bonus in case of single reported claim under compulsory MTPL, regardless of damage type or amount

Source

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > WHY ARRANGE BONUS PROTECTION IN EUROHERC?

By arranging bonus protection in case of a single reported claim under the compulsory automobile liability insurance, regardless of the type and the amount of the damage, you do not lose your acquired bonus.

Shared liability/partial fault accident coverage (AO Plus)

Compensation for personal damage when driver has shared responsibility (1-50% contribution to accident) or accident with indeterminate fault at intersection

Source

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > WHAT ARE THE MOST LIFE SITUATIONS?

or have contributed to the damage being higher than it would otherwise be in the overall level of guilt (contribution or shared responsibility) from 1% to 50%.

Exclusive driver injury protection (AO Exclusive)

Coverage for driver's personal damage in case of accident caused by driver's fault or force majeure, up to EUR 66,361.40 or HRK 500,000

Source

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > Have you insured its driver?

AOexclusive policy compensates your personal damage and protects you as a driver, in case you were involved in a traffic accident while operating and insured vehicle which was your fault or caused by a force majeure, with the coverage of up to EUR 66,361.40.

Replacement rental vehicle

Use of rental car during repairs, up to 7 days per year, maximum EUR 53.09 or HRK 400 per day

Source

Section: MOTOR THIRD PARTY LIABILITY > ADDITIONAL PROTECTION COVERAGE ON MTPL POLICY > ZONA HAS A UNIQUELY BIG AND WIDE COVERAGE.

A replacement vehicle during repairs – the possibility of using a rent-a-car once during the year, up to 7 days (max. EUR 53.09 / day)

Claims submission procedures

Specific documentation and procedures required for claiming MTPL benefits; injured parties submit claims to responsible vehicle's insurer

Source

Section: WHAT TO DO IN CASE OF A ROAD ACCIDENT?

In the case of an accident involving yours and another vehicle, you must submit your claim to the insurance company that issued the insurance policy for the vehicle responsible for the accident.

Premium refund upon vehicle deregistration

Insurer must refund unused portion of premium when vehicle is deregistered due to destruction, scrapping, storage or theft

SourceClause Članak 12.

Section: ONLINE POLICE > Uvjeti kupnje > 6. Vraćanje premije

"(1) U slučaju odjave vozila zbog uništenja, rashodovanja, stavljanja izvan prometa (mirovanja) ili krađe vozila, osiguratelj je u obvezi na zahtjev ugovaratelja osiguranja vratiti neiskorišteni dio premije, ako se do dana odjave nije ostvario osigurani slučaj."

14-day withdrawal/cooling-off right

When MTPL contract is concluded at distance (online), policyholder can unilaterally terminate without stating reasons within 14 days from contract conclusion if insurance protection has not yet commenced

SourcePage 3

Section: Informacija za klijente ili ugovaratelja osiguranja > Posljedice opoziva > Posebne napomene

U slučaju pravovaljanog opoziva, ako je osigurateljna zaštita počela teći prije kraja roka za opoziv, ista prestaje i mi Vam vraćamo dio premije koji se odnosi na razdoblje nakon zaprimanja opoziva. U tom slučaju, dio premije koji se odnosi na razdoblje do zaprimanja opoziva imamo pravo zadržati; pritom se radi o dnevnoj stopi navedenoj u polici osiguranja ili u zasebnoj izjavi. Povrat iznosa vrši se bez odlaganja, a najkasnije 30 dana nakon zaprimanja opoziva. Vaše pravo na opoziv prestaje kada je ugovor na Vaš izričit zahtjev u cijelosti ispunjen i s Vaše i s naše strane, prije nego ste iskoristili svoje pravo na opoziv.

Policy transfer upon vehicle sale

MTPL policy rights and obligations transfer to new vehicle owner and remain valid until end of insurance period

SourceClause C.2Page 6

Section: C. Trajanje ugovora, promjena vlasnika vozila > C.2. Promjena vlasnika vozila

U pogledu trajanja osiguranja kod promjene vlasnika vozila, mjerodavne su odredbe Zakona o obveznim osiguranjima u prometu.

Regulatory framework - Compulsory Insurance in Traffic Act

MTPL insurance subject to Croatian Compulsory Insurance in Traffic Act with specific statutory minimum coverage limits and exclusion provisions

Source

Sources