Groupama Motor third-party liability (Mtpl Standard)
Underwritten by Groupama osiguranje d.d. – Podružnica Hrvatska · Croatia
motor third-party liability insurance from Groupama for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2024-06-04Sources
Key facts
- Groupama
Unique selling points
Optional AO Bonus Protection clause lets policyholders keep their earned premium tier despite a first reported claim.
Choice of three tiers of 24/7 roadside assistance (Hrvatska, Regija, Europa) that can be added to the base MTPL policy.
Optional combined driver-and-passenger personal accident cover (death and permanent disability) can be attached to the MTPL policy.
Green Card coverage automatically upgrades to the higher statutory minimum sum insured of the country where a claim occurs, if higher than Croatia's.
24/7 multilingual contact centre for roadside assistance, reachable domestically and from abroad.
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 costs
unlimited
Civil litigation costs are reimbursed in full regardless of the sum insured, provided the litigation was conducted with the insurer's consent; criminal defence costs are covered only where the insurer expressly agreed to appoint and pay for defence counsel.
Section: Prava i obveze osiguratelja > Članak 6.
Troškove obrane osiguranika u kaznenom postupku naknađuje osiguratelj samo u slučaju kada je izričito dao pristanak za branitelja, te se obvezao na naknadu troškova. […] Troškove parničnog postupka naknađuje osiguratelj ako je parnicu vodio osiguranik uz suglasnost osiguratelja ili ako je bio zastupan od osobe koju je odredio osiguratelj. Ovi troškovi se naknađuju u punom iznosu bez obzira na visinu osigurane svote.
Green Card coverage
Covered
Coverage is valid in Croatia and in the other member countries of the Green Card System; if the country where the accident occurred prescribes a minimum sum insured higher than Croatia's, the insurer covers the claim up to that higher amount.
Section: Teritorijalna valjanost osiguranja > Članak 7.
Osigurateljno pokriće sukladno zakonu pokriva štete na području Republike Hrvatske i teritoriju država članica Sustava zelene karte, a može se ugovoriti i dodatno teritorijalno pokriće. […] Ako je u državi članici ili zemlji članici Sustava zelene karte osiguranja u kojoj je nastao štetni događaj, propisana najniža osigurana svota koja je viša od najniže propisane osigurane svote u Republici Hrvatskoj, osiguratelj je u obvezi pružiti osiguraniku osigurateljno pokriće do najniže svote propisane u državi u kojoj je nastao štetni događaj.
Roadside assistance
€130 – €450
Optional add-on offered in three tiers – Groupama Asistencija Hrvatska, Regija and Europa – covering roadside repair, vehicle transport, replacement vehicle, alternative transport and accommodation, with 24/7 contact centre access; per-service limits vary by tier (e.g. roadside repair up to €130–€200, vehicle transport up to €200–€450).
Section: Opći uvjeti i pogodnosti proizvoda Pomoć na cesti > Pogodnosti proizvoda Pomoć na cesti
1.1. PAKET GROUPAMA ASISTENCIJA HRVATSKA ... usluga pomoći (popravka vozila) na cesti do najvišeg ukupnog iznosa od 130,00 € za vrijeme trajanja pokrića;
Driver personal accident cover
Optional
Optional personal accident cover for the driver, providing benefits for death or permanent disability resulting from an accident while driving; the sum insured is freely agreed when the policy is concluded.
Section: Pokriće osiguranja > Dodatno možete ugovoriti
Osiguranje vozača i putnika u motornom vozilu od posljedica nesretnog slučaja s pokrićem za slučaj smrti i trajnog invaliditeta,
Passenger personal accident cover
Optional
The same optional personal accident product extends to passengers travelling in the vehicle, covering death or permanent disability resulting from an accident; sold together with driver accident cover as one add-on.
Section: Pokriće osiguranja > Dodatno možete ugovoriti
Osiguranje vozača i putnika u motornom vozilu od posljedica nesretnog slučaja s pokrićem za slučaj smrti i trajnog invaliditeta,
Key conditions
Driver restrictions
The insured loses rights under the policy (and the insurer may pursue regress) if the vehicle was not used for its intended purpose, the driver lacked a valid licence or was disqualified, drove under the influence of alcohol (≥0.5‰) or drugs, caused the damage intentionally, or the damage resulted from a criminal act of reckless driving.
Claim notification deadline
The insured must notify the insurer of a claim within 3 days of becoming aware of the event and provide full, truthful details of the accident and its circumstances.
Bonus-malus rules
MTPL premium is set according to a premium-tier (bonus-malus) system; an optional AO Bonus Protection clause lets the policyholder keep the same premium tier at renewal despite one reported claim per insurance period, and the insurer may reclaim (regress) up to 12 average net salaries from a driver responsible for aggravated violations such as drink-driving.
Territorial scope
Coverage applies in the Republic of Croatia and in other member countries of the Green Card System.
Documents
IPID – Compulsory Motor Third-Party Liability Insurance (AO) (opens in a new tab)
Product information sheet · PDF
Terms and Conditions for Compulsory Motor Third-Party Liability Insurance (opens in a new tab)
Terms & conditions · PDF
Combined MTPL/CASCO Product Documentation Bundle (opens in a new tab)
Other document · PDF
Policy specifics
Grace period
Insurance obligations extend for 15 days beyond contract termination if insurer is not notified 3 days prior
SourceClause Članak 8.Page 5Section: Početak i prestanak osigurateljnog pokrića > Članak 8.
Obostrane obveze i prava iz ugovora o osiguranju produžuju se za 15 dana (počekni rok), ako osiguratelju najmanje 3 dana prije isteka osiguranja nije bila uručena izjava ugovaratelja osiguranja da ne pristaje na produženje ugovora o osiguranju.
Regress limitation
Insurer may pursue regress against driver up to 12 average net salaries in cases of serious violations
SourcePage 31.10.2024.Section: Ograničenja pokrića
Osiguratelj isplaćuje naknadu iz osiguranja oštećenoj osobi, ali ima pravo pokrenuti regresni postupak u kojem ima pravo potraživati iznos od najviše 12 prosječnih neto plaća (zadnje izvješće Državnog zavoda za statistiku) prema vozaču koji je skrivio prometnu nesreću u sljedećim slučajevima:
Direct settlement to injured party
Insurer pays compensation directly to injured third party, not to policyholder
SourcePage 31.10.2024.Section: Ograničenja pokrića
Osiguratelj isplaćuje naknadu iz osiguranja oštećenoj osobi, ali ima pravo pokrenuti regresni postupak...
Bonus protection (optional add-on)
Optional bonus protection clause available to safeguard no-claims discount against first claim
SourcePage 1Section: KLAUZULA ZA ZAŠTITU AO BONUSA
Ugovaratelj police za osiguranje automobilskog kaska ima mogućnost ugovaranja doplatne premije za zaštitu bonusa prilikom ugovaranja police.
Territorial validity
Coverage valid in Croatia and Green Card system member countries
SourcePage 31.10.2024.Section: Zemljopisni opseg osiguranja
Na području Republike Hrvatske i u ostalim zemljama članicama Sustava zelene karte.
Sources
- osiguraj.mehttps://osiguraj.me/wp-content/uploads/2024/03/KLAUZULA_ZA_ZASTITU_AO_BONUSA-KL-AOBONUS-1001-0623_20_7-23.pdf#page=2(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/IPID%20%E2%80%93%20OBVEZNO%20OSIGURANJE%20OD%20AUTOMOBILSKE%20ODGOVORNOSTI%20(AO).pdf?vel=208465#page=1(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/IPID%20%E2%80%93%20OBVEZNO%20OSIGURANJE%20OD%20AUTOMOBILSKE%20ODGOVORNOSTI%20(AO).pdf?vel=208465#page=2(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/UVJETI%20ZA%20OBVEZNO%20OSIGURANJE%20OD%20AUTOMOBILSKE%20ODGOVORNOSTI.pdf?vel=209850#page=4(opens in a new tab)
- groupama.hrhttps://www.groupama.hr/UserDocsImages/Uvjeti/Uvjeti%20motorna%20vozila/UVJETI%20ZA%20OBVEZNO%20OSIGURANJE%20OD%20AUTOMOBILSKE%20ODGOVORNOSTI.pdf?vel=209850#page=5(opens in a new tab)
- otpleasing.hrhttps://www.otpleasing.hr/UserDocsImages/Informacije%20o%20proizvodima/Dokumentacija%20Groupama%20za%20web/Automobilska%20odgovornost%20i%20kasko%20-%20dokumentacija%20(8).pdf?vel=4023616#page=1(opens in a new tab)
- otpleasing.hrhttps://www.otpleasing.hr/UserDocsImages/Informacije%20o%20proizvodima/Dokumentacija%20Groupama%20za%20web/Automobilska%20odgovornost%20i%20kasko%20-%20dokumentacija%20(8).pdf?vel=4023616#page=43(opens in a new tab)