EUROHERC osiguranje d.d.
EuroHerc
EuroHerc is a motor third-party liability insurance for the Croatia market with no online purchase and 24/7 assistance.
Direct payment
The injured party submits the claim directly to the insurer of the vehicle responsible for the accident, either in person at insurer branches or by email. The insurer offers a choice of settlement methods for property damage (with repair invoice or without repair invoice), must issue a reasoned offer 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.
Geographic scope
Republic of Croatia
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
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 398.17 (HRK 3,000).
- 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
Bodily injury liability
€6,450,000
The MTPL Terms defer the sum insured to the Compulsory Insurance in Traffic Act (Art. A.1.1). The statutory minimum sum insured for death, bodily injury and health damage is EUR 6,450,000 per event regardless of the number of injured persons, or EUR 1,300,000 per injured person.
Property damage liability
€1,300,000
The MTPL Terms defer the sum insured to the Compulsory Insurance in Traffic Act (Art. A.1.1). The statutory minimum sum insured for destruction or damage of property is EUR 1,300,000 per event, regardless of the number of injured parties.
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.
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.
Roadside assistance (ZONA package)
Optional
Only in ZONA
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 up to EUR 398.17 (HRK 3,000), plus vehicle storage up to 7 days and delivery after repair up to EUR 53.09 (HRK 400).
Driver accident cover (AO Exclusive)
€66,361
Only in AO Exclusive
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).
Personal accident cover for driver and passengers (AN Exclusive)
Optional
Only in AN Exclusive
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.
Key conditions
Territorial scope
Insurance protection applies to the territory of the Republic of Croatia and, via the Green Card, extends to Green Card System member states.
Green card rules
The Green Card is issued by the insurer as proof of the existence of compulsory MTPL insurance and is recognised in all Green Card System member countries.
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.
Policy specifics
Personal accident coverage for driver and passengers
Additional protection for personal injuries and disability of driver and all passengers in the vehicle
SourceDaily hospital allowance
Daily fee for hospital treatment days, unique market coverage of EUR 26.54 or HRK 200 per day (up to 180 days)
SourceBonus 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
SourceShared 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
SourceExclusive 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
SourceReplacement rental vehicle
Use of rental car during repairs, up to 7 days per year, maximum EUR 53.09 or HRK 400 per day
SourceClaims submission procedures
Specific documentation and procedures required for claiming MTPL benefits; injured parties submit claims to responsible vehicle's insurer
SourcePremium refund upon vehicle deregistration
Insurer must refund unused portion of premium when vehicle is deregistered due to destruction, scrapping, storage or theft
Source14-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
SourcePolicy transfer upon vehicle sale
MTPL policy rights and obligations transfer to new vehicle owner and remain valid until end of insurance period
SourceRegulatory 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