UNIQA osiguranje d.d.
UNIQA
UNIQA is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
Premium is generally paid in advance for each insurance period, unless otherwise agreed. Payment can be made by bank transfer, payment slip, credit/debit card (including instalments up to 12 months interest-free), or online card payment. Payment is deemed executed on the day it is recorded on the insurer's giro account.
Geographic scope
Croatia and Green Card System member states
Coverage applies in the Republic of Croatia and in Green Card System member states, unless otherwise agreed
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
Bodily injury liability (death, injury, health damage)
€6,450,000
Statutory minimum sum insured for damage due to death, bodily injury or health impairment is 6,450,000.00 EUR per claim event, regardless of the number of injured parties, per the current Zakon o obveznim osiguranjima u prometu (in force since the 2022 increase, applicable to the UAO 1/2023 terms effective 25.9.2023). Note: an older IPID edition (IPIDAO 1001 V1/2021) still cites the pre-euro, pre-2022-increase HRK amount of 46,739,000.00 kuna, which has since been superseded.
Property damage liability
€1,300,000
Statutory minimum sum insured for destruction or damage to property is 1,300,000.00 EUR per claim event, regardless of the number of injured parties, per the current law applicable to the UAO 1/2023 terms. An older IPID edition (V1/2021) cites the superseded pre-euro amount of 9,394,000.00 kuna.
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.
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.
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)
€6,636 – €19,908
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.
Key conditions
Territorial scope
Coverage applies in the Republic of Croatia and in Green Card System member states, unless otherwise agreed.
Green card rules
If the Green Card member state where the accident occurred prescribes a higher minimum sum insured than in Croatia, the insurer must extend cover up to that higher amount.
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.
Policy specifics
Territorial validity
Insurance coverage is valid in Croatia and Green Card System member states
SourceThird-party liability only
Mandatory MTPL covers only damages caused to third parties, not the policyholder's own vehicle
SourceSource no longer reachableBonus/Malus system
Premium adjustment based on claims history; no claims = bonus discount, claims = malus surcharge
SourceSource no longer reachableValid driver license requirement
Policyholder loses coverage rights if driver does not possess valid driving license of appropriate category
SourceSource no longer reachablePremium payment schedule
Premium is typically payable in advance for annual period; installment payments available
SourceSource no longer reachablePolicy duration and renewal
Standard policy term is 12 months; can be renewed up to 30 days before expiration
SourceRights transfer upon vehicle ownership change
If vehicle ownership changes during policy period, rights and obligations transfer to new owner until policy expiration
SourceSource no longer reachableSources
- https://www.uniqa.hr/fizicke-osobe/putovanje-vozila-plovila/obvezno-auto-osiguranje
- https://www.uniqa.hr/fizicke-osobe/vozila-plovila/obvezno-auto-osiguranje/dodatna-pokrica-uz-obvezno-osiguranje/ao-plus/329Source no longer reachable
- https://www.uniqa.hr/fizicke-osobe/vozila-plovila/obvezno-auto-osiguranje/saznajte-vise-o-dodatnim-pokricima-uz-obvezno-auto-osiguranje-4595/lom-stakla-4601/4601Source no longer reachable