Triglav Insurance d.d.
Triglav
Triglav is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
According to Triglav osiguranje's official Croatian MTPL claims guide (Ključne informacije za oštećenu osobu), the default process is reimbursement: the damage assessment report ('Izvid štete') is delivered to the injured party/vehicle owner and, only with the injured party's consent, also to the repair shop, and it is not itself a statement of liability. The injured party is free to choose any repair shop, either independently or from Triglav's partner network, and once the repair is completed according to the assessment, compensation is paid out. Triglav also explicitly offers a direct-payment channel for MTPL claims: repair invoices can be certified and payment made directly to the repair shop's bank account, provided the vehicle owner supplies a power of attorney (sent to 'ovjeraracuna@triglav.hr'), meaning both reimbursement to the policyholder and direct settlement with the garage are possible depending on documentation provided.
Geographic scope
Croatia
Covers use of the vehicle in the Republic of Croatia; a Green Card certificate confirms validity of the cover in other countries that are part of the Green Card system.
Unique selling points
- AO can be extended with a wide family of Triglav add-ons under one provider — AO+ driver injury cover, kasko, roadside assistance, accident insurance and legal protection.
- The AO policy can be concluded online in just a few steps directly on Triglav's website.
- Policyholders can reach a dedicated assistance line free of charge from Croatia, with a separate number available when calling from abroad.
- Triglav positions AO and voluntary kasko cover as complementary layers of protection rather than substitutes, encouraging combined coverage for newer or financed vehicles.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
Compulsory MTPL cover indemnifies third parties for death, bodily injury and health impairment caused by use of the insured vehicle; the exact statutory sum insured is not disclosed on the product page.
Property Damage Liability
Covered
No limit stated
Compulsory MTPL cover indemnifies third parties for destruction of or damage to property caused by use of the insured vehicle; the exact statutory sum insured is not disclosed on the product page.
Legal Protection for Motor Vehicle Use
Optional
No limit stated
A separate, purchasable product listed alongside AO that covers legal representation costs arising from use of the vehicle; no specific limit is disclosed.
Green Card (International Certificate of Insurance)
Conditional
The Green Card is an internationally recognised certificate confirming that the vehicle has valid MTPL cover; it is relevant when driving abroad and is recognised by police and insurers across many European and neighbouring countries within the Green Card system.
Motor Roadside Assistance
Optional
No limit stated
A separately purchasable roadside assistance product offered alongside AO, providing 24-hour help at home and on the road; not a component of the compulsory AO cover itself.
Driver Accident Insurance (AO+)
Optional
No limit stated
Since an at-fault driver has no claim under the compulsory AO policy for their own injuries, Triglav offers this optional add-on to cover the driver's own bodily-injury consequences.
Accident Insurance for Driver, Passengers and Workers
Optional
No limit stated
An optional add-on offered alongside AO that covers the consequences of accidents for the driver, passengers and workers while operating or riding in motor and other vehicles.
Key conditions
Territorial scope
The policy covers use of the vehicle within the Republic of Croatia; validity abroad in Green Card system countries is evidenced by the Green Card certificate.
Green card rules
The Green Card is an international document confirming valid MTPL cover, recognised by police and insurers in numerous European and neighbouring countries that are part of the Green Card system; it may be required as extra proof when travelling to certain non-EU/EEA countries.
Driver restrictions
Cover may be denied or limited if the driver was operating the vehicle under the influence of alcohol, narcotics, psychoactive medicines or other psychoactive substances above the legal limits set by Croatian traffic safety regulations.
Claim notification deadline
Prema Zakonu o obveznim odnosima, osiguranik je dužan obavijestiti osiguratelja o nastupanju osiguranog slučaja najdalje u roku od tri dana otkad je za to saznao. Odgovorni osiguratelj potom je dužan oštećenoj osobi dostaviti obrazloženu ponudu za naknadu štete najkasnije u roku od 30 dana za neimovinsku štetu, odnosno 14 dana za imovinsku štetu od dana podnošenja odštetnog zahtjeva.
Bonus-malus rules
Premiums are adjusted through a bonus-malus system: a claim-free period typically earns a bonus (premium reduction), while a reported claim typically results in a malus (premium increase); this is reflected in the policyholder's premium class.
Documents
IPID - Motor Assistance and Assistance Plus Insurance
IPID
General Terms and Conditions for Motor Assistance Insurance
Other document
Terms for Liability and Assistance Insurance for Cyclists and Personal Mobility Device Users (rider attachable to AO)
Other document
Clause KL-ao-pro - Collision-only Kasko Attachable to the AO Policy
Other document
MTPL (AO) Claim Notification Form
Other document
Policy specifics
Green Card (International Certificate of Insurance)
International insurance certificate for travel to Green Card system member countries; required for travel to certain non-EU/EEA countries
SourceThird-party bodily injury and property damage liability
Coverage for liability resulting from death, bodily injury, health impairment, destruction or damage to property caused to third parties by use of the vehicle
SourceBonus-Malus System
Premium reduction (bonus) for claim-free periods and premium increase (malus) for filed claims
SourcePolicy tied to vehicle, not driver
MTPL policy covers the vehicle and any authorized driver, regardless of who is driving; policy transfers with vehicle sale
SourceCompulsory by law
MTPL insurance is legally required for all vehicle owners and must be maintained continuously while vehicle is in use
SourceExclusions for driving under influence
Coverage may be excluded or limited if driver was under influence of alcohol, drugs, or psychoactive substances above legal limits
Source