Allianz Hrvatska d.d., Zagreb - Allianz Slovenija Insurance Branch

Driver age and experience limit

Increased risk must be reported if the vehicle is driven by a driver with less than 3 years of driving experience, a learner driver, or a driver who has not yet turned 25 at policy inception; the premium is adjusted accordingly. The driver must always hold a valid licence for the vehicle category driven.

Repair network requirements

Policyholders may choose repair at an Allianz partner workshop (with benefits such as shorter repair time, guaranteed quality and direct settlement with the workshop) or arrange repair independently and claim reimbursement against invoices; the insurer may still give instructions on the choice of contracted repairer.

Territorial scope

Casco and driver/passenger accident cover apply in the Republic of Slovenia and in the territory of Green Card system member states; in Kosovo only accident and casco cover apply. Roadside assistance is valid in EU member states plus Bosnia and Herzegovina, Montenegro, Serbia, North Macedonia, Andorra, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Vatican City and the European parts of Turkey and Cyprus, but does NOT apply in Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia or Ukraine.

Anti-theft requirements

The vehicle must be locked at the time of the theft for cover to apply; all original keys and other access/start devices must be surrendered to the insurer together with the police report as a condition of payment, and any pre-existing damage must be disclosed via the mandatory digital vehicle inspection.

Claim notification deadline

The claim must be reported to Allianz no later than 24 hours after the event occurred or after the policyholder became aware of it. Events involving serious injury, death, fire, explosion, theft, vandalism, animal collision or an accident with another vehicle (or where fault cannot be agreed) must additionally be reported to the police, and the police report forwarded to Allianz within 24 hours of the police notification.

Deductible rules

For the Max package's accident cover, a contractual deductible may apply to every claim, or an 'obligatory deductible' applies from the second claim onward in the same policy year: EUR 240 (2nd claim), EUR 480 (3rd), EUR 1,200 (4th), EUR 2,400 (5th and subsequent); parking-damage claims are exempt from the deductible for the first two claims, with EUR 480 applying (and cover ending) on the third. Separately, for Plus/Extra/Max casco covers, a mandatory 50% deductible on the loss amount applies from policy inception until Allianz confirms completion of the digital vehicle inspection.

Digital Vehicle Inspection Requirement

For CASCO coverage (Plus, Extra, Max packages), a digital vehicle inspection must be completed at policy inception. For personal vehicles, this is done via the insurer's digital application.

Road Assistance Coverage

All Moj avto packages include road assistance. Complete road assistance (Popolna pomoč na cesti) provides unlimited vehicle transport within Slovenia, transport up to 750km abroad, and extended replacement vehicle rental.

Driver Accident Insurance

Insurance for the driver in case of death or permanent disability due to traffic accident, including coverage for physical and mental injuries and pain caused by injuries in accidents caused by the insured driver.

Legal Defense Coverage

Covers costs of criminal proceedings against the insured due to traffic accidents.

Natural Disaster Coverage

Covers damage or loss of the vehicle due to wind, hail, landslide, flood, earthquake.

Fire and Explosion Coverage

Covers damage or loss of the vehicle due to fire or explosion.

Theft and Vandalism Coverage

Covers theft of the vehicle or its components, theft of items in the vehicle, and damage from break-in. Also covers damage from vandalism (intentional damage by third parties).

Windscreen Coverage

Covers repair or replacement of windscreen, side and rear windows, and fixed and movable roof windows on the vehicle due to breakage.

GAP Insurance (Guaranteed Asset Protection)

Covers the value of a new vehicle (without depreciation deduction) in case of total loss (destruction or theft). Valid for vehicles up to 6 months old at inception and up to 24 months total age.

Full CASCO Coverage

Covers damage from accidents and unexpected events such as traffic accidents, sliding off road, falling objects on vehicle, animal collision, natural disasters, fire, theft, vandalism, and other insured risks.

Vehicle Use Restriction

Coverage does not apply if the vehicle was used for a purpose other than what is intended for such a vehicle.

Valid Driving License Requirement

The driver must have a valid driving license for the vehicle category being driven.

Alcohol and Drug Impairment Exclusion

Coverage does not apply if the driver was operating the vehicle under the influence of alcohol, drugs, psychoactive medications, or other psychoactive substances beyond the permitted limit.

Intentional Damage Exclusion

Coverage does not apply if the driver intentionally caused the damage.

Geographical Coverage Scope

Coverage applies to damages occurring in the Republic of Slovenia and in the territory of countries in the green card system. Road assistance coverage is valid in EU member states and several other European countries.

Bonus-Malus System

Each claim-free insurance year allows classification for 2 premium rate classes lower in the next year (bonus). Each reported claim in the previous year results in classification for 4 premium rate classes higher in the next period (malus). Bonus/malus range is between 60% discount and 200% surcharge on base premium.

Premium Payment Terms

Premium is paid either as a lump sum or in installments according to the schedule specified in the insurance policy. Coverage begins when the full premium or first installment is paid by the date specified in the policy.