HOK osiguranje Motor third-party liability (Autoodgovornost)

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.

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 [email protected], or in person at HOK's claims offices; status inquiries and additional documentation are sent to [email protected].

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.

Territorial scope

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.