Zavarovalnica Sava, Insurance Company, d.d.

Driver age and experience limit

Young drivers (fewer than 3 years of licensed driving experience, or learner drivers with an accompanying driver) are subject to a premium surcharge across AO, driver accident and casco cover, unless the separate stand-alone 'Mladi voznik' (Young Driver) insurance is purchased, and casco can also be extended to young drivers at no extra premium under the young-driver insurance module.

Repair network requirements

The vehicle may only be repaired in the Republic of Slovenia unless prior written consent of the insurer is obtained for repair abroad; using Sava's authorized repair network enables fast damage assessment and direct settlement of the repair invoice.

Territorial scope

Unless otherwise agreed, coverage applies in Slovenia and in countries party to the EEA national insurance bureaus' agreement and the Green Card general rules, or other countries as specified in the terms.

Anti-theft requirements

A 10-20% discount on Combination T (theft) premium applies to vehicles fitted with approved anti-theft/tracking devices such as Mul-T-Lock, Defend-Lock, SQ Track, Track8, Haicom HI-601 VT, G19-B, Autrace, Easytracker, Teltronika or Ruptela.

Claim notification deadline

The occurrence of an insured event must be reported to the insurer in accordance with the terms and conditions, and for certain types of damage the nearest police station must be notified immediately.

Deductible rules

Policyholders may choose casco cover with or without a deductible (franšiza); if a deductible is agreed, the insurer's payout is reduced by the amount of the agreed deductible.

Traffic accident coverage

Comprehensive casco covers damage from traffic accidents including collision, impact, skidding, overturning and crash when the insured is at fault

Natural hazard coverage

Coverage for damage from fire, storm, snow/landslide, hail, lightning, earthquake, flood, torrential water, explosion, external thermal/chemical action, aircraft fall, civil unrest, wild animals and rodents

Deductible option

Policyholders can choose to include or exclude deductibles in their Full Casco coverage

Vehicle repair network

Vehicles can only be repaired in Slovenia unless prior written consent from insurer is obtained; Fast claims assessment conducted by authorized repair networks

Theft coverage combination

Coverage for theft of the vehicle or its parts permanently attached to or inside the vehicle; Available only as combination with Full Casco coverage

Glass damage coverage

Covers damage from breaking or damage to installed glass on the vehicle (excludes lights/mirrors)

Animal collision coverage

Coverage for damage from direct collision or contact with wild animals or domestic animals

Parked vehicle collision

Coverage for damage to a parked vehicle caused by direct collision or contact with another unknown motor vehicle

Repair approval requirement

Vehicles in Slovenia can only be repaired with prior written insurer consent if repair is to take place abroad

First risk coverage limit

Insurer pays established damage in full amount but not exceeding agreed sum insured for first risk

Deductible reduction on claim

In case of deductible, the insurer's payment is reduced by the amount of agreed deductible (franšiza)

Coverage period - 24 hour rule

Insurance coverage ends after 24 hours of the day listed in policy as end date

Rental vehicle specific conditions

For vehicles in commercial rental use (rent-a-car), combination T coverage is possible only with written insurer consent and additional conditions may apply

Bonus/Malus application

Bonus/malus ratings are applied to traffic accident claims but not to hail or vehicle damage claims in flexible casco variants

Claim notification requirement

Occurrence of insurance event must be reported to insurer; in case of damage exceeding certain threshold, police notification may be required