
Generali Motor third-party liability (Mtpl Standard)
Underwritten by Generali osiguranje d.d. · Croatia
motor third-party liability insurance from Generali for the Croatia market, with online purchase and 24/7 assistance.
Last verified Aug 30, 2026Sources
Unique selling points
Bonus Protektor is a unique add-on that keeps the policyholder's bonus and MTPL price unchanged even after an at-fault accident.
New customers can receive a 50% welcome discount on their first MTPL policy (20% for young drivers and legal entities).
Policies can be purchased entirely online via AS Direct with instant issuance and payment in up to 12 interest-free instalments at the same price as a lump sum.
Optional 24/7 roadside assistance covers breakdowns, accidents, lost or locked-in keys, and wrong fuel refuelling.
Discounts are available for persons with an established 80% bodily disability and Croatian Homeland War veterans (HRVI).
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence coverage
No limit stated
No separate legal defence/legal expenses coverage was identified as part of this compulsory MTPL product in the available sources
Green Card System coverage
Covered
Coverage valid in Green Card System member states (most European countries) in addition to Croatia, without additional premium
Roadside assistance (Auto asistencija)
Optional
Optional add-on providing 24/7 roadside assistance for breakdown, accident, key loss/lockout, or wrong fuel, sold in Mali, HR and Europa package tiers alongside the MTPL policy
Section: Dodatne pogodnosti za Vas
Auto asistencija Ugovorite Generali autoasistenciju i ostvarite besplatnu pomoć na cesti u slučaju kvara vozila ili prometne nezgode. 24 sata dnevno, 7 dana u tjednu!
Driver accident coverage (AO Plus / CARE package)
€5.3K – €10.6K
Optional accident cover for the driver and passengers under Paket CARE (which also includes roadside assistance Mali paket), with insured sums per person of EUR 5,308.91 for death and EUR 10,617.82 for permanent disability. The AO Plus add-on separately covers the driver's own injury when the driver was at fault for the accident; no insured sums are stated for AO Plus in the source.
Section: Povjerite nam brigu o vašem limenom ljubimcu > Dopunska osiguranja
Paket CARE: uključuje osiguranje od nezgode za vozača i putnike uz osigurane svote po osobi 5.308,91 EUR za slučaj smrti te 10.617,82 EUR za slučaj trajnog invaliditeta i osiguranje automobilske asistencije Mali paket.
Passenger accident coverage (CARE+ package)
€5.3K – €10.6K
Optional accident cover for all persons in the vehicle, with insured sums of EUR 5,308.91 for death and EUR 10,617.82 for permanent disability per person
Section: Povjerite nam brigu o vašem limenom ljubimcu > Dopunska osiguranja
Paket CARE+ HR : osiguranje od posljedica nesretnog slučaja za sve osobe u vozilu uz svote osiguranja po osobi 5.308,91 EUR za smrt i 10.617,82 EUR za trajni invaliditet.
Key conditions
Driver restrictions
The policy covers the vehicle owner, co-owner, and any person authorized by the owner to drive the vehicle, as well as passengers
Claim notification deadline
The policyholder must report any damage in a timely manner as a condition of coverage, though no fixed number of days is specified in the available sources
Bonus-malus rules
Premium adjustment system based on claims history; bonus rewards claim-free years while malus penalizes claims, and premium can increase or decrease annually based on claim events
Territorial scope
Compulsory motor liability insurance is valid within the territory of the Republic of Croatia and within the territory of Green Card System member states
Documents
Terms and Conditions for Compulsory Motor Liability Insurance (110-0110) (opens in a new tab)
Terms & conditions · PDF
Pre-contractual information for policyholders of motor vehicle insurance (110-0601) (opens in a new tab)
Other document · PDF
Pre-contractual information for policyholders of motor vehicle insurance (110-0602) (opens in a new tab)
Other document · PDF
Insurance Product Information Document - Roadside Assistance (opens in a new tab)
Product information sheet · PDF
Policy specifics
Third-party liability coverage
Mandatory coverage for damage caused to third parties (persons and property) by the insured vehicle
SourceClause Članak 1.Page 1Section: Opseg pokrića > Članak 1.
Osiguratelj je temeljem police osiguranja i propisa o odgovornosti u obvezi nadoknaditi štetu, ako je pri upotrebe vozila došlo do: 1. tjelesne ozljede, narušavanja zdravlja ili smrti neke osobe, 2. uništenja odnosno oštećenja stvari, osim ako je došlo do štete na stvarima koje je vlasnik vozila primio radi prijevoza.
Statutory minimum coverage limits
Mandatory minimum coverage amounts as prescribed by Croatian law for compulsory motor liability insurance
SourceGreen Card System coverage
Coverage valid in Green Card System member states (most European countries) in addition to Croatia
SourceDirect claims settlement to injured party
Generali pays the damaged third party directly instead of reimbursing the policyholder
SourceSection: Obvezno osiguranje od automobilske odgovornosti
u slučaju prometne nezgode Generali umjesto vozača plaća štetu nastalu na automobilu treće osobe, ako je do prometne nezgode došlo vlastitom krivnjom;
Policy covers authorized drivers
Coverage extends to any person authorized by the vehicle owner to use the vehicle
SourceAnnual policy term with auto-renewal
Policy operates on a one-year basis and automatically renews unless cancelled 3 days before expiry
SourceMandatory before vehicle registration
Compulsory motor liability insurance must be concluded before the vehicle can be registered or used in traffic
SourceClause čl. 4.Section: FAQ > Osiguranje od automobilske odgovornosti
ZOOP-om (čl. 4.) propisano je da se registracija motornog i priključnog vozila kao i produženje registracije i izdavanje probnih pločica može obaviti tek kada se podnese dokaz o sklopljenom ugovoru o osiguranju od AO.
Sources
- auto.generali.hrhttps://auto.generali.hr/(opens in a new tab)
- generali.hrhttps://generali.hr/documents/20121/0/110-0111+Uvjeti+Obvezno+osiguranje+od+AO_screen_26+03+2024.pdf/d39efbcd-7bd0-2096-2486-ac79dc030e47?t=1729086001018(opens in a new tab)
- generali.hrhttps://generali.hr/faq(opens in a new tab)
- generali.hrhttps://generali.hr/obvezno-osiguranje-od-autoodgovornosti(opens in a new tab)
Generali Motor third-party liability