Sava osiguranje, d.d. - Croatian Branch (branch of Zavarovalnica Sava, d.d. / Sava osiguranje, d.d., Maribor, Slovenia)
Sava osiguranje
Sava osiguranje is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The insurer must issue the injured party a reasoned settlement offer or a substantiated reply within 60 days of receiving the claim, pay an advance on the undisputed part of the claim within 15 days of that offer/reply (and no later than 60 days after receiving the claim), and pay statutory interest from the date the claim was filed if this deadline is missed. Litigation costs are reimbursed to the insured in full, regardless of the sum insured, when the insurer approved the defence.
Geographic scope
Croatia and Green Card System member countries
Coverage applies within the Republic of Croatia and Green Card System member countries, unless otherwise agreed; if legal protection cover is additionally contracted, the geographic scope extends to Europe.
Unique selling points
- Sava's online insurance webshop has received industry awards for its digital purchasing experience.
- Customers can choose from 8 different Sava Assistance roadside-help packages tailored to cars, motorcycles and business users.
- The optional AO+ driver accident add-on offers a sum insured of up to EUR 49,107 per claim event.
- A free customer support line (0800 913 023) and live web chat are available for policy questions and claims assistance.
- The entire purchase journey - from quote to digital policy delivery by e-mail - is completed online in just a few minutes.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
Covers third-party bodily injury, impairment of health, or death caused through the use of the insured vehicle, up to the legally prescribed minimum sums insured in force in Croatia. The exact statutory minimum amount is not stated numerically in the available product documents.
Property Damage Liability
Covered
No limit stated
Covers destruction or damage to third-party property caused through the use of the insured vehicle (excluding goods the vehicle owner accepted for carriage), up to the legally prescribed minimum sums insured. The exact statutory minimum amount is not stated numerically in the available product documents.
Legal Protection (Pravna zaštita)
€15,000
Only in OUPZ 17-3 – AUTO SAVA
Optional add-on providing criminal-law and misdemeanour defence for the insured in traffic-related proceedings (accidents, traffic offences, driving-licence withdrawal), plus related legal costs, mediation, and translator/expert fees. The guaranteed sum insured per claim event is EUR 15,000.
Green Card Coverage
Covered
The insurer issues the Green Card certificate free of charge as proof of MTPL cover for driving in EU member states and other Green Card System signatory countries; if the minimum coverage prescribed in the country where the loss occurs is higher than the Croatian minimum, the insurer must provide cover up to that higher minimum.
Roadside Assistance (Sava Asistencija)
€500
Only in Asistencija
Optional 'Asistencija' package covering personal cars and commercial vehicles up to 3.5t: on-site breakdown assistance up to EUR 100, towing up to EUR 100, vehicle recovery/rescue up to EUR 500, and return transport of minor insured persons from abroad (2nd class train, economy flight, or taxi) up to EUR 120. Breakdown cover only applies to vehicles up to 20 years old; several other Sava assistance tiers (Basic, Basic Plus, Premium, Premium Plus, Moto, Moto Premium, Poduzetnik) exist with different limits.
Driver Bodily Injury Cover (AO+)
€30,526 – €49,107
Only in 230.000 HRK / 30.526 EUR, 370.000 HRK / 49.107 EUR
Optional cover, which can only be contracted as part of an MTPL policy, compensating the authorised driver of the insured vehicle for bodily injury suffered in a traffic accident, and paying family members the damages the law recognises in case of the driver's death. Contractable sums insured per claim event are 230,000 HRK (EUR 30,526) or 370,000 HRK (EUR 49,107).
Accident Insurance for Driver and Passengers (Auto nezgoda)
Optional
Optional accident cover paying benefits to the driver and passengers of the insured vehicle in the event of accidental death or permanent disability while driving, loading/unloading, or otherwise handling the vehicle in connection with traffic. The policyholder selects the level of sums insured; if the insured person is younger than 14 or older than 65, death benefits are limited to 50% of the sum insured (funeral costs).
Key conditions
Territorial scope
Cover extends to the Republic of Croatia and to Green Card System member countries, unless otherwise agreed; if legal protection is additionally contracted, the scope extends to Europe.
Green card rules
The Green Card is issued free of charge and proves MTPL cover abroad in Green Card System states. If the minimum insured sum prescribed in the state where the loss occurred is higher than the Croatian minimum, the insurer must extend cover up to that higher amount.
Driver restrictions
The insured loses rights under the policy if the driver used the vehicle other than for its intended purpose, lacked a valid driving licence for the vehicle category, had the licence revoked or was banned from driving, caused the damage intentionally, knew the vehicle was technically unroadworthy, committed reckless driving as defined by a final criminal judgment, or was driving with a blood alcohol level of 0.5‰ or more (or refused testing / left the scene before completing required formalities).
Claim notification deadline
Claims must be reported to the insurer within 3 days of the event, providing truthful and complete information about the accident's course and circumstances.
Bonus-malus rules
The premium is adjusted through a bonus/malus system based on the policyholder's claims history. An optional, separately-priced bonus-protection add-on can be purchased so that, on renewal (provided the insured and vehicle are unchanged), the insurer will not change the bonus/malus percentage due to one, specifically the first, claim under the renewed policy. Marketing materials cite differing eligible bonus ranges for this add-on across campaigns, so the exact threshold should be confirmed with the current offer.
Documents
Terms and Conditions for Compulsory MTPL Insurance
Terms & conditions
IPID - Compulsory Motor Vehicle Insurance
IPID
Pre-contractual Information for the Policyholder (AO)
Other document
Special Terms for Driver Bodily Injury Insurance (AO+)
Terms & conditions
Special Terms for Roadside Assistance - Asistencija
Terms & conditions
Special Terms for Legal Protection Insurance - OUPZ 17-3 AUTO SAVA
Terms & conditions
Policy specifics
Green Card Coverage
International motor insurance certificate (green card) coverage for cross-border travel in EU member states and countries party to the Green Card system
SourceBonus Malus System
Mandatory system for managing no-claims discounts (bonus levels 0-5) and claims-related surcharges (malus), recalculated annually
SourceMandatory Minimum Coverage Limits
Legally prescribed minimum insured amounts per single claim event: personal injury and property damage to third parties
SourceClaim Reporting Procedure
Policyholder must report claims in writing within 3 days of the insured event to the insurer
SourceAnnual Policy Term and Auto-Renewal
Standard policy period is 12 months; unless policyholder provides written notice to cancel at least 3 days before expiry, policy automatically renews for another year
SourceVehicle Ownership Change
When vehicle ownership changes during the policy period, mandatory AO coverage remains in force with new owner; policy transfers automatically
SourceUninsured Motor Vehicle Protection
Coverage applies when claimed liability can be assigned to an uninsured or unidentified vehicle; claim settles from Motor Insurers' Bureau guarantee fund
SourcePolicy Renewal Grace Period
Unless the policyholder notifies the insurer at least 3 days before expiry that they do not agree to renewal, the mutual rights and obligations under the contract are extended by a grace period (počekni rok). The main MTPL terms and conditions state this grace period is 15 days, while the product's IPID states 30 days for the same grace period.
Source