LAQO Motor third-party liability (Obvezno)
Underwritten by CROATIA osiguranje d.d. · Croatia
motor third-party liability insurance from LAQO for the Croatia market, with online purchase.
Last verified Aug 30, 2026Sources
Unique selling points
First 100% digital motor insurance in Croatia, with the fastest recorded purchase completed in just 58 seconds.
Fastest recorded claims payout occurred just 17 hours after the claim was filed.
New customers receive the maximum 50% bonus discount immediately, instead of building it up over 10 claim-free years.
Drivers who cover less than 10,000 km per year can earn up to a 10% discount at renewal.
The LaqoPrevent program rewards safe driving behaviour with valuable prizes.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Green Card (International Motor Insurance Card)
Covered
Issued free of charge with every LAQO Obvezno policy and valid in all Green Card System member countries; delivered via email and the LAQO app.
Zelenu kartu možeš pronaći na svojem emailu i u LAQO aplikaciji zajedno s osiguranjem.
Towing and roadside assistance
Optional
Optional add-on providing an unlimited number of roadside assistance calls and towing of the vehicle to the owner's residence when on-site repair is not possible.
Section: Nema drame ni kad zaškripi > Zašto ti treba Vuča i asistencija?
Vuča i asistencija omogućuje ti neograničen broj pomoći (popravka) na cesti i prijevoza osobnog automobila do mjesta prebivališta kad automobil nije moguće popraviti na licu mjesta.
Driver personal accident cover
Optional
No limit stated
Optional 'Driver and Passengers' add-on pays financial compensation for the driver's hospital stay longer than 8 days, or to heirs in case of death; no specific sum insured is published.
Section: Što se mora, napokon stvarno nije teško. > Dodatne opcije > Vozač i putnici
Pružamo financijsku pomoć u slučaju duljeg boravka u bolnici ili smrti vozača i/ili putnika.
Passenger personal accident cover
Optional
No limit stated
The same 'Driver and Passengers' add-on extends financial compensation to passengers for hospital stays longer than 8 days or death following an accident; no specific sum insured is published.
Section: Što se mora, napokon stvarno nije teško. > Dodatne opcije > Vozač i putnici
Pružamo financijsku pomoć u slučaju duljeg boravka u bolnici ili smrti vozača i/ili putnika.
Key conditions
Driver restrictions
The Obvezno policy is also valid for any driver who operates the vehicle with the owner's consent.
Claim notification deadline
No specific notification deadline is stated by LAQO in the reviewed sources; in practice, claims are usually reported by the injured third party against the at-fault insured's policy.
Bonus-malus rules
New LAQO customers start with the maximum 50% bonus discount; on the general market a driver otherwise starts at 0% and gains 5% per claim-free year up to a maximum 50%. Under LAQO's own rules, each at-fault accident that triggers the policy reduces the 50% bonus by 15%, and 3 consecutive claim-free years are needed to regain it; the optional Bonus Protection add-on preserves the bonus after one at-fault accident.
Territorial scope
Automatically covers Croatia; no Green Card required for EU/EEA (EU + Iceland, Liechtenstein, Norway) plus Andorra, North Macedonia, Serbia and Switzerland; a valid Green Card is required for Albania, Azerbaijan, Belarus, Bosnia and Herzegovina, Montenegro, Iran, Israel, Morocco, Moldova, Russia, Tunisia, Turkey and Ukraine.
Policy specifics
Third-party liability coverage
Covers damage caused to third parties (persons and property) for which the insured is liable
SourceSection: Što se mora, napokon stvarno nije teško. > Zašto ti treba Obvezno?
Ako skriviš sudar i oštetiš nečije vozilo, troškovi popravka tuđeg vozila naplatit će se iz tvog obveznog osiguranja.
Medical treatment costs for injured third parties
Covers medical treatment expenses for third parties injured due to insured's liability
SourceSection: Što se mora, napokon stvarno nije teško. > Zašto ti treba Obvezno?
Ono se tako zove jer je propisano zakonom i potrebno je za registraciju vozila.
Right of withdrawal
14 days from purchase to cancel policy and receive refund of remaining premium
Source14 dana nakon kupnje imaš pravo na jednostrani raskid ugovora o osiguranju, a mi ti u tom slučaju vraćamo preostali iznos premije.
Green Card (International Insurance Document)
LAQO Obvezno coverage valid in all Green Card System member countries
SourceDa, tvoje LAQO Obvezno osiguranje vrijedi u svim državama članicama Sustava zelene karte.
Driver and Passengers coverage (optional add-on)
Optional coverage for bodily injury of driver and passengers in case of accident
SourceSection: Što se mora, napokon stvarno nije teško. > Dodatne opcije > Vozač i putnici
Pružamo financijsku pomoć u slučaju duljeg boravka u bolnici ili smrti vozača i/ili putnika.
Towing and Roadside Assistance (optional add-on)
Unlimited roadside assistance calls and vehicle towing to residence when repairs not possible on site
SourceSection: Nema drame ni kad zaškripi > Zašto ti treba Vuča i asistencija?
Vuča i asistencija omogućuje ti neograničen broj pomoći (popravka) na cesti i prijevoza osobnog automobila do mjesta prebivališta kad automobil nije moguće popraviti na licu mjesta.
Bonus Protection (optional add-on)
Allows retention of earned bonus even after one claim event
SourceSection: Što se mora, napokon stvarno nije teško. > Dodatne opcije > Zaštita bonusa
Ako prouzročiš prometnu nezgodu, tvoj bonusni popust se neće umanjiti.
Insurer's right of regress
Insurer may seek recovery from insured in specific circumstances (drunk driving, unlicensed operation, intentional acts, etc.)
SourceSection: Mislite da obvezno osiguranje štiti auto? Evo što zapravo NE pokriva > Kada auto osiguranje ne vrijedi?
Osiguranje će pokrenuti tzv. regresni postupak tj. postupak u kojem ima pravo potraživati iznos prema vozaču koji je skrivio prometnu nesreću ako je štetu osiguranje isplatio oštećenoj osobi a dogodili su se sljedeći slučajevi: ako je u vrijeme prometne nesreće vozač osiguranog vozila bio pod utjecajem alkohola...
Sources
- laqo.hrhttps://www.laqo.hr/blog/sto-je-obvezno-auto-osiguranje/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/najcesca-pitanja/osiguranja/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/osiguranje-vozila/obvezno/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/osiguranje-vozila/vuca-i-asistencija/(opens in a new tab)
LAQO Motor third-party liability