Insurer profile
Zavarovalnica Sava, Insurance Company, d.d.
Zavarovalnica Sava is a universal Slovenian insurance company, wholly owned by Sava Re, formed in 2016 through the merger of Zavarovalnica Maribor, Zavarovalnica Tilia, Velebit osiguranje and Velebit životno osiguranje. It offers a wide range of non-life and life insurance products and is present throughout Slovenia and Croatia.
Source- Legal entity
- Zavarovalnica Sava, Insurance Company, d.d.
- Headquarters
- Maribor, Slovenia
- Parent group
- Sava Re d.d.
- Regulator
- Insurance Supervision Agency (AZN – Agencija za zavarovalni nadzor)
- Phone
- +386 80 19 20
- info@zav-sava.si
- Last verified
- May 2, 2026
Products from Zavarovalnica Sava, Insurance Company, d.d.
motor
Motor Third-Party Liability Insurance for Personal Vehicles
Mandatory motor third-party liability insurance required by law for all vehicles used in traffic in Slovenia.
motor
Comprehensive Motor Insurance (Full Casco) for Personal Vehicles
Full casco and flexible casco coverage protecting personal vehicles against accident, theft, weather damage, fire and other perils.
motor
KaskoTotalka – Total Loss Casco for Older Vehicles
Affordable casco insurance designed specifically for vehicles aged 5–15 years, covering the risk of total loss.
motor
Motorcycle Insurance
Mandatory MTPL and optional casco, theft and accident insurance package for motorcycle owners.
motor
Micro-Mobility Insurance (ZavarovanjeM mikroMOBILNOSTI)
Insurance covering liability, casco, theft and accident for owners and users of micro-mobility devices such as bicycles, e-bikes and e-scooters throughout Europe.
motor
Commercial Vehicle Insurance
Motor insurance solutions for fleets and commercial vehicles, including MTPL and casco coverage for businesses.
property
Home Property Insurance (DOM)
Modular home insurance with customisable coverages for buildings, household contents and valuables, available in DOM, DOM PREMIUM and DOM PREMIUM+ packages.
property
Business Property Insurance
Comprehensive property insurance for businesses covering buildings, equipment, inventory and business interruption risks.
property
All-Risk Insurance
All-risk commercial property insurance providing broad coverage against all perils not explicitly excluded.
health
Supplemental Health Insurance (Zdravje / Zdravje Plus)
Supplemental health insurance allowing policyholders to skip waiting lists and access faster medical treatment in case of illness or accident.
health
Personal Accident Insurance
Accident insurance providing financial protection for individuals and families in case of injury or accidental death, valid 24/7 worldwide.
health
Accident Insurance for Children and Students
Personal accident insurance designed for children, pupils, and students up to age 26 with valid student status.
health
Business Accident Insurance
Accident insurance solutions for companies covering employees against work-related and non-work-related accidents.
life
Investment-Linked Life Insurance (Naložbeno življenjsko zavarovanje)
Unit-linked life insurance combining life protection with investment in capital markets, available for policy terms of 10–25 years.
life
Term Life Insurance (Riziko življenjsko zavarovanje)
Pure-risk term life insurance without a savings component, ideal for those with financial obligations, available for up to 30 years.
travel
Travel Insurance (Zavarovanje za tujino)
Travel medical and assistance insurance for tourist and business travel abroad, with 24-hour Slovenian-language assistance and coverage up to €500,000.
travel
Travel Cancellation Insurance
Insurance covering cancellation costs of trips, festivals, events and other tourist experiences.
liability
Professional and General Liability Insurance
Liability insurance covering general liability, professional liability, D&O, supervisory board liability and product liability for businesses.
pet
Pet Insurance – Naše tačke (Dogs and Cats)
Comprehensive pet insurance for dogs and cats covering veterinary costs from illness or accident, accidental death, liability and legal protection.
pet
Sport and Recreational Horse Insurance
Insurance for sport and recreational horses covering death due to illness or accident, veterinary costs, transport and liability to third parties.
other
Livestock (Agricultural Animals) Insurance
Insurance for farmers covering livestock (cattle, horses, pigs, poultry, fish, etc.) against death from disease or accident, with optional veterinary cost coverage.
liability
Marine / Watercraft Insurance
Casco insurance and third-party liability for watercraft owners.
other
Drone (UAV) Insurance
Casco insurance and owner liability for unmanned aerial vehicles (drones).
property
Property Insurance for Entrepreneurs (Podjetniku ob strani)
Property insurance tailored for small business owners and entrepreneurs covering business assets and interruption.
other
Farm Insurance (Kmetijsko zavarovanje)
Insurance for farmers covering livestock, farm buildings, equipment and crops against various perils.
financial
Surety / Guarantee Insurance (Kavcije)
Insurance of financial instruments and guarantees protecting against non-performance of contractual obligations.
cyber
Cyber / Digital Assistance
24-hour cyber assistance service providing help and advice in case of digital incidents or cyber intrusions.
Regulatory updates
Zavarovalnica Sava is listed as an active licensed insurer on the AZN register of insurance undertakings in Slovenia. In 2024–2025, the Sava Insurance Group (parent Sava Re) received an upgraded credit rating from S&P Global to 'A+' (stable outlook) following Slovenia's sovereign upgrade, and maintained strong regulatory solvency ratios of 211–217% in Q1 2025, well above minimum requirements.