Mandatory system for managing no-claims discounts (bonus levels 0-5) and claims-related surcharges (malus), recalculated annually

Extracted from source documents

Sava osiguranje Motor third-party liability (Ao Obvezno Osiguranje)

Underwritten by Sava osiguranje, d.d. - Podružnica Hrvatska · Croatia

motor third-party liability insurance from Sava osiguranje for the Croatia market, with online purchase and 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2025-09-01Sources

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Key facts

Sava osiguranje

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 provides compensation up to the sum insured specified in the policy.

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Optional · OUPZ 17-3 – AUTO SAVA

Legal Protection (Pravna zaštita)

€15K

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.

Clause 7.1Page 2

Section: Zajedničke odredbe > Članak 6. Osigurateljeve obveze

Osigurana svota koja iznosi 15.000,00 EUR (113.017,50 KN) na dan isplate naknade i navedena je u ugovoru o osiguranju, koji vrijedi za vrijeme nastanka osiguranog slučaja, predstavlja samo gornju granicu Osigurateljа za jedan osigurani slučaj zajamčenih usluga za osiguranika.

Covered

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.

Clause Čl. 6Page 2

Section: Članak 6. > Teritorijalna valjanost osiguranja

Ako je u državi, članici Sustava zelene karte osiguranja u kojoj je nastao štetni događaj propisana najniža svota osigurateljnog pokrića koja je viša od najniže propisane svote osigurateljnog pokrića u Republici Hrvatskoj Osiguratelj je u obvezi pružiti osiguraniku osigurateljno pokriće do najniže svote propisane u državi u kojoj je nastao štetni događaj.

Optional · Asistencija

Roadside Assistance (Sava Asistencija)

€500

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.

Clause čl. 2Page 1

Section: II. NAČIN OSIGURANJA > PAKET OSIGURANJA ASISTENCIJA

U slučaju osiguranih rizika prometne nesreće, oštećenja vozila, vandalizma, krađe, problema s ključevima vozila ili gorivom nema starosnog ograničenja za vozilo. U slučaju kvara osiguravajuće društvo pokriva troškove samo za vozila stara do dvadeset godina, računajući od datuma prve registracije vozila.

Optional

Driver Bodily Injury Cover (AO+)

Optional

No limit stated

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 for which they are wholly or partly responsible, and paying family members the damages the law recognises in case of the driver's death, up to the sum insured stated on the policy (funeral costs capped at 6% of that sum).

Clause čl. 3(2)-(3)Page 1

Section: 2. NEOSIGURANI RIZICI I OGRANIČENJA POKRIĆA > Članak 3.

Obveza Osiguratelja po jednom osiguranom slučaju ograničena je osiguranom svotom ugovorenom na polici. Osiguratelj naknađuje stvarnu štetu nastalu zbog pogrebnih troškova, uređenja groba, uključujući postavljanje nadgrobnog spomenika ili održavanje groba, ali najviše u visini 6% od osigurane svote nazna ene u polici.

Optional

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).

Page 2. strana

Section: Ograničenja pokrića > Auto nezgoda

ukoliko nastupi smrt osiguranika mlađeg od 14 i starijeg od 65 godina, isplaćuju se pogrebni troškovi u iznosu 50% od osiguranog iznosa.

Key conditions

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.

Territorial scope

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.

Documents

Terms and Conditions for Compulsory MTPL Insurance (opens in a new tab)

Terms & conditions · PDF

IPID - Compulsory Motor Vehicle Insurance (opens in a new tab)

Product information sheet · PDF

Pre-contractual Information for the Policyholder (AO) (opens in a new tab)

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

Source

Mandatory Minimum Coverage Limits

Legally prescribed minimum insured amounts per single claim event: personal injury and property damage to third parties

Source

Claim Reporting Procedure

Policyholder must report claims in writing within 3 days of the insured event to the insurer

Source

Annual Policy Term and Auto-Renewal

Standard policy period is 12 months; unless the policyholder notifies the insurer at least 3 days before expiry that they do not agree to an extension, mutual rights and obligations are extended by a 15-day grace period (if an insured event occurs in that period, the premium for the full following year becomes payable).

SourceClause Čl. 7.2Page 2

Section: Članak 7.

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.

Vehicle Ownership Change

When vehicle ownership changes during the policy period, mandatory AO coverage remains in force with new owner; policy transfers automatically

SourceClause Čl. 11Page 3

Section: Članak 11.

Ako se za vrijeme trajanja osiguranja promijeni vlasnik vozila, prava i obveze iz ugovora o osiguranju od automobilske odgovornosti prenose se na novog vlasnika i traju do isteka tekućeg osigurateljnog razdoblja, uključujući i prava iz počeknog roka utvrđenog u članku 7. stavak 2) i 3) ovih Uvjeta.

Uninsured 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

Source

Policy 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.

SourceClause Čl. 7.2Page 2

Section: Članak 7.

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.

Sources

Sava osiguranje Motor third-party liability

Get a quote from Sava osiguranje Compare Motor third-party liability insurers in Croatia

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