Wiener Motor third-party liability (Mtpl Standard)

Policyholders can customize their MTPL cover by combining optional add-ons (accident insurance, roadside assistance, legal protection, driver cover, glass breakage) to fit individual needs under the "Moj (o)siguran auto" concept.

AO Plus add-on compensates the at-fault driver for bodily injury or death, a benefit not covered by standard compulsory liability insurance.

Bonus Protection add-on lets policyholders keep their accrued no-claims bonus even after a small at-fault accident.

Policies purchased through the Wiener webshop receive a 10% discount on the total premium, and single upfront payment by cash or card earns a further 5% discount.

Driver restrictions

Compensation rights are limited or excluded if the driver had no valid license, drove under the influence of alcohol/drugs, caused damage intentionally, drove a technically defective vehicle, caused the accident through reckless driving, allowed transport of persons in a non-designated space, or used the vehicle for a purpose other than intended.

Claim notification deadline

The policyholder/insured must notify the insurer of the damage event as soon as possible, e.g. via [email protected] for non-life claims.

Bonus-malus rules

Wiener Croatia applies the standard Croatian bonus-malus system for MTPL (autoodgovornost): policyholders earn a bonus discount that increases for each claim-free year, while an at-fault claim triggers a malus surcharge on the next year's premium. Wiener offers an optional add-on clause called 'Zaštita bonusa AO' (Bonus Protection, policy clause WK 10.0110-17) that allows policyholders to keep their accumulated bonus discount even if they cause an accident and a claim is paid out, preventing the usual bonus loss/malus increase.

Territorial scope

Coverage applies to the territory of the Republic of Croatia and countries participating in the Green Card System; the list of member countries is available from the Croatian Insurance Bureau or the Green Card issued with the policy.