Croatian Insurance House d.d. (HOK-OSIGURANJE d.d.)
HOK osiguranje
HOK osiguranje is a motor third-party liability insurance for the Croatia market with no online purchase and limited assistance availability.
Direct payment
In case of partial damage to the motor vehicle, the insured has the right to independently choose the repair shop in which to carry out the repair, exclusively in accordance with the list of damages determined by an authorized person of HOK osiguranje and the established liability ratio. If HOK osiguranje's authorized person determines a total loss (repair cost not commercially viable), compensation is limited to the amount of the total loss on the vehicle in accordance with the established liability ratio.
Geographic scope
Republic of Croatia
HOK osiguranje operates across the entire territory of the Republic of Croatia; the compulsory MTPL policy covers the policyholder's liability to third parties for damage caused through use of the insured vehicle. The reviewed HOK sources do not specify coverage abroad.
Unique selling points
- AO Plus covers the driver's own injury up to 25,000 EUR per insured case and funeral costs up to 3,000 EUR, even when the driver is at fault for the accident.
- HOK Bonus Garant protects the policyholder's earned bonus at renewal regardless of the size of the claim or whether it is material or non-material damage.
- The optional legal protection add-on covers attorney representation costs up to the value of 15 attorney actions.
- HR Rent a Car provides three days of free replacement vehicle use if the insured vehicle is immobilized by breakdown or accident.
- HOK Express assistance provides vehicle repair or towing both in Croatia and abroad, plus a replacement vehicle regardless of fault for the accident.
Coverage limits
Bodily injury liability
Covered
Covers the policyholder's legal liability to third parties for death, bodily injury or impairment of health caused through the use of the insured motor vehicle.
Property damage liability
Covered
Covers the policyholder's legal liability to third parties for destruction or damage of property caused through the use of the insured motor vehicle.
Legal protection (Pravna zaštita)
HRK 70,000
Optional add-on to the MTPL policy covering attorney representation costs. Maximum coverage amount equals the total value of 15 attorney actions, up to a maximum of 70,000.00 HRK.
HR Assistance (roadside assistance)
Optional
Optional add-on offering urgent breakdown repair or towing of the damaged/broken-down vehicle to a certified service, providing additional security for the driver and passengers in case of breakdown or traffic accident.
AO Plus - Driver protection
€25,000
Optional add-on protecting the driver when at fault for a traffic accident. HOK osiguranje compensates injury suffered by the driver up to 25,000 EUR per insured event, and usual funeral costs up to 3,000 EUR in case of the driver's death.
Autonezgoda - Accident insurance for driver and passengers
Optional
Optional add-on insuring both the driver and passengers against the consequences of an accident while driving/riding in the motor vehicle. Insured risks are death from accident and permanent disability, with a selectable insured sum.
Key conditions
Territorial scope
The MTPL policy insures the policyholder's liability to third parties for damage caused through the use of the vehicle; HOK osiguranje operates across the whole territory of the Republic of Croatia. The reviewed HOK sources do not specify the policy's territorial extent abroad.
Green card rules
Not specified in the reviewed HOK osiguranje sources.
Driver restrictions
Not specified in the reviewed HOK osiguranje sources.
Claim notification deadline
In case of a collision with another vehicle, the claim must be submitted to the insurer of the vehicle/person at fault for the accident. Claims can be reported via the HOK digital app, by email to prijavi.stetu@hok-osiguranje.hr, or in person at HOK's claims offices; status inquiries and additional documentation are sent to stete@hok-osiguranje.hr.
Bonus-malus rules
Through the optional HOK Bonus Garant add-on, the policyholder's earned bonus under the basic compulsory MTPL policy is protected upon renewal with HOK osiguranje in the next insurance period, regardless of the amount of damage or whether it is material or non-material loss.
Documents
Claim report form - MTPL insurance
Other document
Policy specifics
Bonus protection
Protection of accumulated bonus from basic mandatory auto insurance policy upon renewal with HOK osiguranje in the next insurance period
SourceAO Plus - Driver protection
Protection of driver in case of fault for traffic accident, covering driver injury up to 25,000 EUR per insured case and funeral costs up to 3,000 EUR in case of driver death
SourceAutonezgoda - Accident insurance
Insurance of drivers and passengers from consequences of accidents during driving of motor vehicles, covering death and permanent disability
SourceLegal protection
Optional add-on covering attorney representation costs, up to the total value of 15 attorney actions or a maximum of 70,000.00 HRK
SourceHR Assistance
Optional add-on offering urgent breakdown repair or towing of the damaged/broken-down vehicle to a certified service
SourceHR Rent a Car
Optional add-on that, in case of immobilization of the insured vehicle (traffic accident or breakdown), provides fault diagnosis at a certified service and the right to three days of free use of a rent-a-car replacement vehicle
SourceHOK Express assistance
Fast assistance offering vehicle repair or towing in Croatia and abroad in case of accident or breakdown, and a replacement vehicle regardless of fault for the traffic accident or in case of breakdown
Source