Wiener osiguranje Vienna Insurance Group d.d.
Wiener
Wiener is a motor third-party liability insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The premium or first installment is paid at policy inception. Payment dynamics are agreed at conclusion of the contract and can be single or in installments (monthly, quarterly, semi-annually), payable by cash deposit at point of sale, bank transfer, or non-cash payment (debit/credit card).
Geographic scope
Croatia and Green Card System member countries
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.
Unique selling points
- 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.
- Roadside assistance add-ons provide an unlimited contact center helpline available 0-24h, 365 days a year, with on-site assistance guaranteed within 45 minutes anywhere in Croatia.
Coverage limits
Bodily injury liability coverage
Covered
Statutory minimum sum insured for damages arising from bodily injury, health impairment, or death of third parties caused by the use or possession of the vehicle.
Property damage liability coverage
Covered
Statutory minimum sum insured for damages to third-party property caused by the use or possession of the vehicle.
Legal protection costs coverage
€4,645
Optional coverage for attorney representation costs incurred due to vehicle use, determined per the attorney fee tariff in effect at the time; the policyholder freely chooses the attorney, who must be seated where the competent authority is located (or within 100 km if none available there). Maximum insurer liability for personal cars is 4,645.30 EUR.
Green Card coverage
Covered
Coverage automatically extends to the Republic of Croatia and countries participating in the Green Card System, using the same liability limits; the list of member countries is provided on the Green Card issued with the policy.
Roadside assistance coverage
Optional
Optional add-on to the compulsory MTPL policy providing roadside assistance (e.g. CROstart, EUROdynamic, PROAuto packages) with a contact center available 0-24h, 365 days a year; no specific monetary limit is stated as it is a service-based benefit.
Driver accident coverage
Optional
Optional additional coverage protecting the driver against accidental death and permanent disability; the sum insured is chosen by the policyholder and not fixed in the general product information.
Passenger accident coverage
Optional
Optional additional coverage protecting vehicle passengers against accidental death and permanent disability; the sum insured is chosen by the policyholder and not fixed in the general product information.
Key conditions
Territorial scope
Coverage extends to the territory of the Republic of Croatia and to countries participating in the Green Card System.
Green card rules
The list of Green Card member countries can be found on the Croatian Insurance Bureau website or on the Green Card document issued with the policy.
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 prijavasteta@wiener.hr 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.
Policy specifics
Third party liability coverage
Coverage for bodily injury, health impairment, and death of third parties arising from vehicle use or possession
SourceAccident coverage for driver and passengers
Optional additional coverage for accidental death and permanent disability of driver and passengers
SourceAO Plus coverage
Optional coverage providing bodily injury and death benefits when policyholder is at fault in traffic accident
SourceBonus protection coverage
Optional coverage that protects accrued bonus from reduction following insured accident
SourceLegal protection costs coverage
Coverage for legal representation costs incurred due to vehicle use
SourceGreen Card system coverage
Coverage extends to Republic of Croatia and countries participating in the Green Card System
SourcePremium payment options
Premium can be paid in lump sum or installments (monthly, quarterly, semi-annually)
SourcePolicyholder duty to disclose information
Policyholder must provide truthful and complete information about insured risk at time of contract conclusion
SourceDamage event notification requirement
Policyholder must notify insurer of damage event as soon as possible
Source