Wiener
Wiener is a motor third-party liability insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
The insurer pays compensation directly to the injured third party. The at-fault driver (policyholder) has no right to claim compensation for bodily injury under the mandatory MTPL policy; the insurer handles all third-party claims directly.
Geographic scope
HR
Republic of Croatia and all member countries of the Green Card System
Unique selling points
- 10% online purchase discount is automatically applied when the MTPL policy is purchased through the Wiener webshop, with no need to visit a branch.
- Wide range of optional add-ons available alongside the base MTPL, including AO Plus driver protection, roadside assistance (PROAuto covering 8 countries), passenger accident insurance, legal defence costs, glass breakage, and bonus protection.
- Flexible instalment payment available monthly, quarterly or semi-annually, in addition to a lump-sum option with a 5% cash or card payment discount.
- Part of Vienna Insurance Group, the leading insurer in Central and Eastern Europe, with over 80 sales locations and more than 700 employees in Croatia ensuring fast claims handling.
- 24/7 unlimited roadside assistance contact centre included in all autoassistance packages, with coverage extendable to 8 European countries via the PROAuto tier.
Coverage limits
Bodily injury liability
Covered
Covers third-party claims for bodily injury, health impairment or death caused by use or possession of the insured motor or trailer vehicle. Statutory minimum insured sum is 46,739,000 HRK for personal injury claims.
SourceProperty damage liability
Covered
Covers third-party claims for destruction or damage to property caused by use or possession of the insured motor or trailer vehicle. Statutory minimum insured sum is 9,394,000 HRK for property damage claims.
SourceLegal defence
Covered as optional add-on. Covers attorney representation costs per the official Attorney Fee Tariff in effect at the time of the legal action. Policyholder may freely choose an attorney based near the competent authority. Maximum insurer liability: 4,645.30 EUR for personal vehicles.
Green Card (International Motor Insurance Certificate)
Covered
A Green Card is issued with every policy as proof of valid MTPL insurance coverage in all member countries of the Green Card System. Valid across all 47 member countries of the Council of Bureaux.
SourceRoadside assistance
Three optional roadside assistance tiers available as add-ons to the 'Moj (o)siguran auto' MTPL policy: (1) CROstart – covers Croatia only; includes unlimited 24/7 contact centre, one roadside repair (actual cost), one vehicle tow to the nearest authorised service (any distance); (2) EUROdynamic – covers Croatia and all of Europe; includes unlimited 24/7 contact centre, roadside repair (actual cost), vehicle tow up to 2,000 EUR, replacement car (C-segment) up to 7 days plus return of replacement vehicle at another location up to 500 EUR, hotel accommodation up to 3 nights at 150 EUR/night, vehicle delivery after repair up to 50 EUR, and repatriation to Croatia if vehicle cannot be repaired abroad within 5 days; (3) PROAuto – covers Croatia, Italy, Slovenia, Hungary, Bosnia and Herzegovina, Serbia, Montenegro, and Austria; includes unlimited 24/7 contact centre. Assistance partner ORYX guarantees on-site intervention within 45 minutes anywhere in Croatia.
Driver accident insurance (AO Plus)
Optional
Optional add-on (AO Plus). In case the policyholder causes an accident, they have no right to bodily injury compensation under the mandatory MTPL. The AO Plus rider covers the at-fault driver for pain and suffering due to reduced life activity (up to 19,908.42 EUR) and pain and suffering due to death of the insured (4,645.30 EUR payable to next of kin).
SourcePassenger accident
Optional add-on 'Auto nezgoda za vozača i putnike' covers the driver and all passengers against consequences of accidental events: death due to accident and permanent disability due to accident. The insured sum is agreed at the time of contracting; specific standard sum amounts are not publicly listed on the official website. Coverage is available as a standalone add-on or within the PROStart package (which bundles PROAuto roadside assistance with accident cover for up to 4 passengers and the driver).
Key conditions
territorial_scope
Coverage extends to the territory of the Republic of Croatia and to all member countries of the Green Card System (47 countries). The list of member countries can be found on the Croatian Insurance Bureau website or on the sample Green Card issued with the policy.
green_card_rules
A Green Card (International Motor Insurance Certificate) is issued as standard with every policy as proof of valid MTPL coverage in Green Card System member states. The policy is valid in most EU countries and all countries recognising the Green Card.
driver_restrictions
Coverage limitations apply when: the driver did not hold a valid driving licence or it was revoked; the driver was under the influence of alcohol, drugs or other psychoactive substances; the driver intentionally caused the damage; the driver operated a technically defective vehicle; the driver caused an accident through the criminal offence of reckless driving; the driver allowed persons to be transported in areas not designated for passenger transport; the driver did not use the vehicle for its intended purpose.
claim_notification_deadline
The policyholder/insured must notify the insurer of any loss event without undue delay. They must also notify the insurer if they have received a claim for damages or if legal proceedings have been initiated. All notifications regarding changes in name, address or other data must be provided in writing.
bonus_malus_rules
Premium pricing reflects a bonus-malus system mandated by Croatian law. Bonus (discount) accrues for each claim-free policy year; the maximum statutory bonus is 50%. Malus (surcharge) is applied following years in which a claim was paid. Premiums are also influenced by driver age, engine power and registration area. An optional bonus protection add-on (Zaštita bonusa) is available to preserve the accrued bonus after a claim.
Where to buy
Policy specifics
Territorial scope of coverage
Insurance coverage extends to the territory of the Republic of Croatia and to member countries of the Green Card System
Third party liability coverage
Mandatory insurance covering the liability of motor vehicle owners and users for damages caused to third parties through use or possession of the vehicle, including bodily injury, health impairment, or death
Coverage exclusions
No right to compensation for: the driver who caused the damage and their relatives (for death/bodily injury); the owner/co-owner/user of the vehicle causing damage (for property damage); a passenger who voluntarily boarded an unregistered vehicle; damage from use of the vehicle in sporting events; damage from nuclear energy during transport of radioactive material; damage from war operations, rebellions or terrorist acts.
Policyholder notification obligations
The policyholder must notify the insurer of any loss event, and all communications regarding changes in name, address or other data must be provided in writing
Premium payment options and timing
First premium or first installment is due at policy conclusion. Payment can be made once or in installments (monthly, quarterly, semi-annually) by cash, bank transfer, or debit/credit card
Policy period and automatic renewal
Coverage begins at 24:00 on the start date and expires at 24:00 on the end date. Contract automatically renews unless policyholder provides written notice of non-renewal at least 3 days before expiry