Generali
Generali is a motor third-party liability insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
The insurer is obliged to settle the damage claim without delay and at the latest within 60 days of receiving the claim. The insurer must pay the undisputed amount or the amount from a reasoned offer as an advance within 15 days of sending that offer, and no later than 60 days from receipt of the claim. Direct payment is made to injured third parties; the policyholder (at-fault party) does not receive payment.
Geographic scope
HR
Republic of Croatia and all Green Card System member states; within Green Card countries, minimum coverage is at least the minimum prescribed in the country where the damage occurred.
Unique selling points
- Bonuses earned with previous insurers are fully recognised upon switching, with no waiting period or re-qualification required.
- 50% welcome bonus discount available for new individual clients (20% for young drivers and legal entities), reducing the first-year premium significantly above market norms.
- Unique AO-Plus add-on extends accident protection to the at-fault driver — a coverage gap not filled by the standard MTPL policy and not universally offered by competitors.
- 24/7 roadside assistance is available by a single phone call (+385 1 4600 420), covering breakdowns, accidents, lost keys and fuel shortages across Croatia and Europe.
- Bonus Protector add-on keeps the earned no-claims bonus and policy price unchanged even after an at-fault accident, preventing premium increases in the following year.
Coverage limits
Bodily injury liability
Covered
Covers death, bodily injury and health damage caused to third parties by the use of the insured vehicle. The statutory minimum insured sum is 6,450,000 EUR per loss event regardless of the number of injured persons, or 1,300,000 EUR per injured person. The insurer's obligation is the legally prescribed insured sum valid on the date of the loss, unless a higher amount has been agreed in the policy.
SourceProperty damage liability
Covered
Covers destruction or damage to property of third parties caused by the use of the insured vehicle. The statutory minimum insured sum is 1,300,000 EUR per loss event regardless of the number of injured persons. Goods transported in the vehicle at the owner's request are excluded from coverage.
SourceLegal defence / criminal proceedings representation
Optional
Costs of representation in criminal proceedings are available as an optional supplementary coverage under the AO+ (driver protection) add-on product, not included in the base MTPL policy.
SourceGreen Card (international motor insurance certificate)
Covered
Insurance coverage extends to Croatia and all Green Card System member states. A Green Card is issued upon request and serves as proof of insurance when travelling abroad. If a Green Card country prescribes a higher minimum coverage, the insurer is obliged to provide coverage up to that country's minimum.
SourceRoadside assistance (Autoasistencija)
Optional
Roadside assistance is available as an optional supplementary product (Autoasistencija) and is not included in the base MTPL policy. It provides organisational or financial assistance in case of vehicle breakdown, traffic accident, loss of keys or running out of fuel. Available 24/7 by calling +385 1 4600 420.
SourceDriver accident insurance (AO+)
Optional
Not included in the base MTPL policy. Optional AO+ supplementary coverage is available, providing accident insurance for the driver in the event of bodily injury or death during vehicle use, including when the driver is at fault (AO-plus). Also available as part of CARE/CARE+/SUPER CARE add-on packages from 3.90 EUR per year.
SourcePassenger accident insurance
Optional
Not included in the base MTPL policy. Available as optional supplementary accident insurance for driver and passengers (Osiguranje od nezgode za vozača i putnike) from 3.90 EUR per year, providing insured sums of 5,308.91 EUR for death and 10,617.82 EUR for permanent disability per person.
SourceKey conditions
territorial_scope
Insurance coverage extends to the territory of the Republic of Croatia and to all Green Card System member states. If a Green Card country prescribes a higher minimum coverage amount, the insurer is obliged to provide coverage up to that country's minimum insured sum. Coverage also extends across geographic Europe and non-European EU territories as stated in the IPID.
green_card_rules
The Green Card is issued as proof of insurance when travelling to Green Card System member states. If coverage in the visited country requires a higher minimum insured sum than Croatia's, the insurer automatically applies the higher limit. The card is issued upon request alongside the MTPL policy.
driver_restrictions
The insured loses rights under the policy in the following cases: the driver did not have a valid driving licence of the appropriate type or category; the driver's licence was revoked or they were excluded from traffic; the driver operated the vehicle under the influence of alcohol (0.5 g/kg or more), drugs or psychoactive substances, or refused testing; the driver deliberately caused the damage; the vehicle was in a technically defective condition known to the driver; damage was caused by the criminal act of reckless driving with a final court judgement. Loss of policyholder rights does not affect the injured third party's right to compensation.
claim_notification_deadline
The insured must notify the insurer of the loss event within 3 days of the event and provide truthful and comprehensive information about the course of the accident and its circumstances. If a claim, lawsuit, civil law claim or evidence preservation proposal is filed against the insured, they must notify the insurer within the same 3-day period from receipt of such documentation.
bonus_malus_rules
The insurer recognises bonuses already earned with other insurers (bonus transfer). Premiums are calculated annually based on the insurer's price list valid at the date of policy issuance. Discounts apply based on the policyholder's age, type, years without claims, and payment method. A 50% welcome bonus is available for new clients (20% for young drivers and legal entities). If the policy is not renewed and a loss occurs during the grace period (15 days after expiry), the policyholder must pay the full next year's premium.
Where to buy
Policy specifics
Territory coverage
Compulsory MTPL insurance covers damages within Croatia and Green Card System member states. Coverage extends to EU/EEA countries and Green Insurance Card System territories.
Third-party liability coverage
Generali pays damages caused by the insured vehicle to third parties in case of a traffic accident. Only passengers in the at-fault vehicle and all persons in the other vehicle involved in the accident are entitled to compensation.
Bonus-malus discount system
Compulsory insurance includes bonus-discount conditions based on driving history and years without claims. Discounts apply based on age, driver type, years claim-free, and payment method.
Accident notification requirement
Insured person must notify the insurer of a traffic accident and provide all relevant information and documentation required for damage assessment.
Driving under influence of alcohol or drugs exclusion
Insurance does not cover damage if the driver was operating the vehicle under the influence of alcohol, drugs or narcotics. This is a statutory exclusion under Croatian compulsory insurance law.
Valid driving license requirement
Driver must operate the vehicle only with a valid driving license. Insurer may deny coverage if driver lacked required license.
Automatic policy renewal and extension
If insured does not notify the insurer at least 3 days before expiry that they do not wish to renew, rights and obligations continue automatically for 30 days after expiry date.
Supplementary accident insurance for driver and passengers
Optional voluntary accident insurance available to cover consequences of accidents for drivers and passengers. Available from 3.90 EUR per annum as standalone supplement or bundled in packages.
AO-Plus optional coverage for responsible driver
Optional supplementary coverage (AO-Plus) provides accident insurance for the driver when the driver is responsible for the accident.