UNIQA Motor third-party liability (Obvezno Auto Osiguranje)
Underwritten by UNIQA osiguranje d.d. · Croatia
motor third-party liability insurance from UNIQA for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2023-09-25Sources
Unique selling points
UNIQA Autopass gives free repair of the vehicle if a fault is found at the mandatory technical inspection.
Roadside assistance (UNIQA S.O.S.) is available from just 13 EUR/year via a free 24/7/365 hotline (0800 5858).
The optional AO plus add-on protects the at-fault driver with up to 19,908.42 EUR for bodily injury, a cover many competitors do not offer on their base MTPL product.
The optional accident add-on can be extended to cover medical costs or death of a pet injured in the same accident.
The optional 'Zaštita UNIQA bonusa' add-on preserves the policyholder's accrued no-claims bonus even after a first claim upon renewal.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence costs insurance
Optional
The IPID lists 'Osiguranje troškova pravne zaštite' (legal defence cost insurance) as a coverage that can be additionally purchased alongside the mandatory MTPL policy; no monetary limit is disclosed in the IPID.
Section: Pokriće osiguranja > Dodatno možete ugovoriti
Osiguranje troškova pravne zaštite
Green Card
Covered
MTPL coverage automatically extends to Croatia and to Green Card System member states unless otherwise agreed; if the state where the claim occurs sets a higher minimum sum insured than in Croatia, the insurer must provide cover up to that higher amount.
Section: Zemljopisni opseg osiguranja
Republika Hrvatska i države članice Sustava zelene karte, ako nije drukčije ugovoreno.
Roadside assistance (UNIQA S.O.S.)
€200
Optional add-on available from 13 EUR/year, reachable 24/7/365 via a free hotline (0800 5858). Covers minor on-site repairs, running out of fuel/flat EV battery, lost/broken keys, towing (up to 200 EUR per event, twice per insurance year) and accommodation costs in case of repairs (up to 100 EUR, once per year); coverage within Croatia, with extended packages covering the region.
Driver protection for at-fault accidents (AO plus)
€6.6K – €19.9K
Optional 'AO plus' cover protects the driver who caused a traffic accident: 19,908.42 EUR sum insured per claim event for bodily injury, and 6,636.14 EUR sum insured per claim event for death.
Accident insurance for driver and passengers
Optional
No limit stated
The IPID lists accident insurance for driver and passengers as an optional add-on to the mandatory MTPL policy (covering death and permanent disability, and, per product page, also pet medical costs); no monetary sum insured was found in the reviewed sources.
Section: Pokriće osiguranja > Dodatno možete ugovoriti
Osiguranje od nezgode za vozača i putnike
Key conditions
Driver restrictions
The policyholder loses the right to indemnity if the driver did not hold a valid driving licence of the appropriate category, except for candidate drivers operating the vehicle under instruction from a certified instructor in compliance with applicable rules.
Claim notification deadline
The policyholder must notify the insurer without delay if a claim, lawsuit or other demand related to motor liability has been filed against them, and must leave claim handling to the insurer.
Bonus-malus rules
Premium is adjusted based on claims history: a claim-free record earns a bonus discount, while claims result in a malus surcharge. Applies to individual (physical person) policyholders in premium groups 1 (personal vehicles) and 6 (motorcycles). Bonus rights do not transfer to a new vehicle owner; an optional 'Zaštita UNIQA bonusa' add-on can protect an accrued bonus after a first claim.
Territorial scope
Coverage applies in the Republic of Croatia and in Green Card System member states, unless otherwise agreed
Documents
Terms and Conditions for mandatory MTPL insurance (UAO 1/2023) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - Motor liability insurance (opens in a new tab)
Product information sheet · PDF
Previous (superseded) Terms and Conditions for mandatory MTPL insurance (2014 edition) (opens in a new tab)
Other document · PDF
Policy specifics
Territorial validity
Insurance coverage is valid in Croatia and Green Card System member states
SourcePage 3Section: Zemljopisni opseg osiguranja
Republika Hrvatska i države članice Sustava zelene karte, ako nije drukčije ugovoreno.
Third-party liability only
Mandatory MTPL covers only damages caused to third parties, not the policyholder's own vehicle
SourceClause Članak 1.Page 1Section: Opseg pokrića > Članak 1.
Osiguratelj je temeljem ugovora o osiguranju i propisa o odgovornosti u obvezi isplatiti naknadu za štetu koju uporabom vozila vlasnik, odnosno korisnik vozila nanese trećim osobama zbog smrti, tjelesne ozljede, narušavanja zdravlja, uništenja ili oštećenja stvari.
Valid driver license requirement
Policyholder loses coverage rights if driver does not possess valid driving license of appropriate category
SourceClause Članak 3.Page 2Section: Gubitak prava iz osiguranja > Članak 3.
ako vozač nije imao važeću vozačku dozvolu odgovarajuće vrste ili kategorije, osim ako je za vrijeme poduke iz vožnje vozilom upravljao kandidat za vozača motornog vozila, uz poštivanje svih propisa kojima se ta poduka uređuje,
Premium payment schedule
Premium is typically payable in advance for annual period; installment payments available
SourceClause Članak 10.Page 3Section: Plaćanje premije > Članak 10.
Premija se u pravilu plaća unaprijed za svako razdoblje osiguranja, ako nije ugovoreno što drugo. Može se ugovoriti obročno plaćanje premije.
Policy duration and renewal
Standard policy term is 12 months; can be renewed up to 30 days before expiration
SourceSection: Osnovne informacije > Osiguranje od autoodgovornosti
Mogućnost obnove osiguranja do 30 dana prije isteka police
Rights transfer upon vehicle ownership change
If vehicle ownership changes during policy period, rights and obligations transfer to new owner until policy expiration
SourceClause Članak 12.Page 3Section: Promjena vlasnika vozila > Članak 12.
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 8. stavak (2) i (3) ovih uvjeta.
Sources
- osiguraj.mehttps://osiguraj.me/Content/pdf/uniqa/08112021_IPID_Osiguranje-od-automobilske-odgovornosti.pdf#page=2(opens in a new tab)
- osiguraj.mehttps://osiguraj.me/Content/pdf/uniqa/08112021_IPID_Osiguranje-od-automobilske-odgovornosti.pdf#page=3(opens in a new tab)
- uniqa.hrhttps://www.uniqa.hr/UserDocsImages/dokumenti/Novi%20AO%20I%20KASKO%20Uvjeti/Uvjeti%20za%20obvezno%20osiguranje%20vlasnika,%20odnosno%20korisnika%20vozila%20od%20odgovornosti%20za%20%C5%A1tete%20nanesene%20tre%C4%87im%20osobama%20UAO%201-2023__rujan%202023__v4.pdf?vel=68472(opens in a new tab)Source no longer reachable
- uniqa.hrhttps://www.uniqa.hr/fizicke-osobe/putovanje-vozila-plovila/obvezno-auto-osiguranje(opens in a new tab)
- uniqa.hrhttps://www.uniqa.hr/fizicke-osobe/vozila-plovila/obvezno-auto-osiguranje/dodatna-pokrica-uz-obvezno-osiguranje/ao-plus/329(opens in a new tab)Source no longer reachable
- uniqa.hrhttps://www.uniqa.hr/fizicke-osobe/vozila-plovila/obvezno-auto-osiguranje/saznajte-vise-o-dodatnim-pokricima-uz-obvezno-auto-osiguranje-4595/lom-stakla-4601/4601(opens in a new tab)Source no longer reachable
- uniqa.hrhttps://www.uniqa.hr/pub/media/wysiwyg/documents/hr/DOKUMENTACIJA_ZAHTJEVI_UVJETI/UVJETI/Uvjeti_za_obvezno_osiguranje_vlasnika_rujan_2023__v4.pdf#page=1(opens in a new tab)
- uniqa.hrhttps://www.uniqa.hr/pub/media/wysiwyg/documents/hr/DOKUMENTACIJA_ZAHTJEVI_UVJETI/UVJETI/Uvjeti_za_obvezno_osiguranje_vlasnika_rujan_2023__v4.pdf#page=2(opens in a new tab)
- uniqa.hrhttps://www.uniqa.hr/pub/media/wysiwyg/documents/hr/DOKUMENTACIJA_ZAHTJEVI_UVJETI/UVJETI/Uvjeti_za_obvezno_osiguranje_vlasnika_rujan_2023__v4.pdf#page=3(opens in a new tab)
UNIQA Motor third-party liability