Motor third-party liability — Slovenia

[1] Bodily injury liability: €6,450,000 ↩

Compulsory motor liability insurance sum for claims arising from death, bodily injury or impaired health of third parties, up to 6,450,000 EUR per claim, regardless of the number of injured persons. This is the same fixed sum across all Moj Avto packages (Comfort, Plus, Extra, Max).

Zavarovalna vsota za obvezno zavarovanje avtomobilske odgovornosti znaša 6.450.000 EUR za odškodnine zaradi smrti, telesnih poškodb ali prizadetega zdravja in 1.300.000 EUR za škode zaradi uničenja ali poškodbe predmetov. […] V primeru nastopa zavarovalnega primera se poravna dejansko nastala škoda; navedene zavarovalne vsote predstavljajo zgornjo mejo obveznosti Allianza.

[2] Property damage liability: €1,300,000 ↩

Compulsory motor liability insurance sum for destruction of or damage to third-party vehicles or property, up to 1,300,000 EUR per claim. Same fixed sum across all Moj Avto packages.

Zavarovalna vsota za obvezno zavarovanje avtomobilske odgovornosti znaša 6.450.000 EUR za odškodnine zaradi smrti, telesnih poškodb ali prizadetega zdravja in 1.300.000 EUR za škode zaradi uničenja ali poškodbe predmetov. […] V primeru nastopa zavarovalnega primera se poravna dejansko nastala škoda; navedene zavarovalne vsote predstavljajo zgornjo mejo obveznosti Allianza.

[3] Legal defence: €5,500 ↩

Covers the defence costs of the driver who caused the accident in criminal proceedings arising from bodily injury, death, or property damage, up to a maximum of 5,500 EUR per claim. Included as core cover within the compulsory liability policy, part of all four packages.

Obveznosti Allianza za kritje stroškov obrambe je omejena do največ 5.500,00 EUR za en škodni dogodek.

[4] Green card: Covered ↩

International proof of insurance (Green Card) is issued free of charge upon conclusion of the compulsory liability policy and is recognised in all Green Card system member countries.

Zeleno karto dobite brezplačno ob sklenitvi zavarovalne police v Allianzu.

[5] Passenger accident: Optional ↩

Optional add-on covering death or permanent disability of the driver and/or passengers due to a traffic accident. Available with the Plus, Extra and Max packages (not with base Comfort). The insured sum is stated on the individual policy; the disability payout is a percentage of the full disability sum per the disability table.

Zavarovalnica izplača zavarovalno vsoto, ki je navedena na zavarovalni polici, in sicer: za smrt voznika ali sopotnika zaradi prometne nesreče, za trajno invalidnost voznika ali sopotnika, ki je posledica prometne nesreče.

[6] Bodily injury liability: €6,450,000 ↩

Statutory minimum sum insured for personal injury/death claims by third parties per insured event, set by the Slovenian Motor Third Party Liability Act (ZOZP) and adjusted by ministerial decree; confirmed at EUR 6,450,000 per event on Generali's G24 product page.

[7] Property damage liability: €1,300,000 ↩

Statutory minimum sum insured for property damage claims by third parties per insured event, set by the Slovenian Motor Third Party Liability Act (ZOZP) and adjusted by ministerial decree; confirmed at EUR 1,300,000 per event on Generali's G24 product page.

[8] Legal defence: Optional ↩

Optional add-on, purchasable only together with the AO policy, covering defence costs in criminal and misdemeanour proceedings arising from a traffic accident and costs of pursuing civil damage claims; fines and penalties are not covered. The sum insured is the upper limit of the insurer's liability per event, as stated on the policy.

[9] Green card: Covered ↩

Free international proof of MTPL cover included with every AO policy, valid in Slovenia, EEA countries, Switzerland and other Green Card system countries; not issued for foreign-registered vehicles with border insurance.

[10] Passenger accident: Optional ↩

Optional add-on, sellable only together with the AO policy, paying out in case of accidental death or disability of the driver and passengers while operating or riding in the insured vehicle; the sum insured for death and disability is agreed on the policy.

[11] Bodily injury liability: Covered ↩

The insurer covers third-party bodily injury/death claims arising from use of the insured vehicle, up to the sum insured agreed in the policy, which may not be lower than the statutory minimum under the Slovenian Compulsory Motor Insurance Act as published by the Ministry of Finance; abroad within Green Card signatory states the insurer applies whichever is higher of the contractual sum or the visited country's minimum.

Zavarovalnica povrne škodo, ki je posledica uveljavljanja odškodninskih zahtevkov tretjih oseb na podlagi civilnega prava, če je pri uporabi in posesti vozila, navedenega v polici, prišlo do: 1) smrti, telesne poškodbe ali prizadetega zdravja (osebne škode);

[12] Property damage liability: Covered ↩

The insurer covers third-party claims for destruction or damage of property caused by use of the insured vehicle, up to the sum insured agreed in the policy, subject to the same statutory minimum mechanism as bodily injury liability.

2) uničenja ali poškodovanja stvari (stvarne škode).

[13] Legal defence: Covered ↩

The insurer defends the policyholder against unfounded or excessive claims and reimburses litigation costs in full if the insurer consented to or caused the litigation; if litigation occurred without the insurer's involvement, only the proportion of costs corresponding to the ratio between the sum insured and the awarded compensation is reimbursed. Defence costs in criminal proceedings are covered only if the insurer expressly agreed to the defence counsel and committed to reimbursement.

Zavarovalnica povrne stroške pravdnega postopka, če se je zavarovanec pravdal s soglasjem zavarovalnice ali če je zavarovanca zastopala oseba, ki jo je določila zavarovalnica. Ti stroški se povrnejo v celoti, ne glede na višino zavarovalne vsote.

[14] Green card: Covered ↩

Territorial cover extends to the Republic of Slovenia and to countries that are signatories of the Green Card system (Council of Bureaux General Rules); in those countries, Groupama's liability to the injured party is capped at the higher of the policy's agreed sum insured or the visited country's statutory minimum sum. This carve-out does not apply to this product but only to a separate border-insurance policy type for foreign-registered vehicles, under which an international Green Card cannot be issued and cover is limited to EEA countries and Switzerland.

Zavarovalnica prevzema obveznost do oškodovanca v državah, ki so podpisnice Sporazuma med nacionalnimi zavarovalnimi biroji... do višine najnižjih predpisanih zavarovalnih vsot obiskane dežele, če so te višje od zavarovalnih vsot, dogovorjenih z zavarovalno pogodbo. Če pa so pogodbene vsote višje od najnižjih predpisanih zavarovalnih vsot obiskane dežele, prevzema zavarovalnica obveznost do teh višjih vsot. ... Za vozila s tujo registracijo, za katera je sklenjeno mejno zavarovanje avtomobilske odgovornosti po teh zavarovalnih pogojih, velja zavarovanje samo v državah Evropskega gospodarskega prostora in Švici. ... Mednarodne karte za zavarovanje motornega vozila v zvezi s tem zavarovanjem ni mogoče izdati.

[15] Passenger accident: Optional ↩

Optional accident insurance for the driver and passengers (and workers driving/operating the vehicle) providing a benefit in case of death or disability resulting from an accident while driving or riding in the vehicle; specific sums insured are set in the policy and not stated in the reviewed documents.

Nezgodno zavarovanje voznika in potnikov: nezgodno zavarovanje v primeru invalidnosti in smrti voznika, potnikov in delavcev pri vožnji in upravljanju z vozili.

[16] Bodily injury liability: €6,450,000 ↩

Covers third-party claims for death, bodily injury and health impairment caused by the insured vehicle in a traffic accident, up to the statutory minimum sum insured, which applies per claim event regardless of the number of injured parties; a higher sum can be contractually agreed.

za škodo zaradi smrti, telesne poškodbe in prizadetega zdravja, ki izvira iz posameznega škodnega dogodka ne glede na število oškodovancev, 6.450.000 evrov ,

[17] Property damage liability: €1,300,000 ↩

Covers third-party claims for destruction or damage to property (e.g. another vehicle, house, fence) caused by the insured vehicle in a traffic accident, up to the statutory minimum sum insured per claim event regardless of the number of injured parties; a higher sum can be contractually agreed.

za škodo zaradi uničenja ali poškodovanja stvari, ki izvira iz posameznega škodnega dogodka ne glede na število oškodovancev, 1.300.000 evrov .

[18] Legal defence: Covered ↩

As part of AO, Triglav examines and settles justified third-party claims and defends the insured against unfounded or excessive claims. Litigation costs are paid in full (regardless of the sum insured) if the insured litigated with Triglav's consent or was represented by a person Triglav appointed; otherwise Triglav bears only the share matching the ratio between the sum insured and the award. Criminal defence costs are paid only if Triglav expressly agreed to the defence lawyer and undertook to reimburse costs. A separate optional product ('Avtomobilska in pravna pomoč') additionally covers the policyholder's own legal representation costs in criminal and misdemeanour proceedings.

(4) Stroške obrambe zavarovanca v kazenskem postopku povrne zavarovalnica samo v primeru, če je izrecno pristala na zagovornika in se zavezala k povračilu stroškov. (5) Stroške pravdnega postopka zavarovalnica povrne, če se je zavarovanec pravdal s soglasjem zavarovalnice, ali če je zavarovanca zastopala oseba, ki jo je določila zavarovalnica. Ti stroški se povrnejo v celoti, ne glede na višino zavarovalne vsote. Če pride do pravde, ne da bi povod zanjo dala zavarovalnica, nosi ona le tisti del pravdnih stroškov, ki ustreza razmerju med zavarovalno vsoto in prisojeno odškodnino.

[19] Green card: Covered ↩

International document proving motor liability insurance validity for use in foreign countries within the green card system. Required for travel to Russia, Belarus, Ukraine, Moldova, Turkey, Israel, Iran, North Macedonia, Albania, Tunisia, Morocco and Azerbaijan.

Mednarodna karta za zavarovanje motornega vozila (zelena karta) je v državah sistema zelene karte pomemben dokument, s katerim vozniki, v primeru policijske kontrole, enostavno izkazujejo veljavnost zavarovanja avtomobilske odgovornosti (AO)

[20] Passenger accident: Optional ↩

Optional accident insurance covering the driver and passengers of the insured vehicle for accidental death and disability arising from traffic accidents; the sum insured is chosen by the customer and can be combined with a package discount.

Zavarujte voznika in sopotnike pred nezgodami , ki nastanejo pri vožnji, upravljanju in delu z motornimi vozili

[21] Bodily injury liability: €6,450,000 ↩

Covers third-party claims for death, bodily injury, or impaired health caused by the use of the insured vehicle. Art. 9 of the AO 02/16 terms sets the sum insured by reference to the statutory minimum under the Slovenian Motor Insurance Act (ZOZP), which stands at EUR 6,450,000 per claim event regardless of the number of victims since the 2024 statutory increase, and automatically rises if the legal minimum is raised further.

Dogovorjeni zavarovalni vsoti za škodo zaradi smrti, telesnih poškodb in prizadetega zdravja neke osebe in za škodo zaradi uničenja ali poškodovanja stvari predstavljata zgornjo mejo obveznosti zavarovalnice za vsak posamezni zavarovalni primer, ne glede na število oškodovancev. […] Ob zvišanju zakonsko predpisanih najnižjih zavarovalnih vsot veljajo višje zavarovalne vsote tudi za zavarovalne primere iz veljavnih zavarovalnih pogodb, sklenjenih pred povišanjem zavarovalnih vsot, ki so nastali po uveljavitvi povišanja.

[22] Property damage liability: €1,300,000 ↩

Covers third-party claims for destruction or damage of property caused by the use of the insured vehicle. The sum insured follows the statutory ZOZP minimum, which has stood at EUR 1,300,000 per claim event regardless of the number of victims since the June 2024 increase.

Dogovorjeni zavarovalni vsoti za škodo zaradi smrti, telesnih poškodb in prizadetega zdravja neke osebe in za škodo zaradi uničenja ali poškodovanja stvari predstavljata zgornjo mejo obveznosti zavarovalnice za vsak posamezni zavarovalni primer, ne glede na število oškodovancev. […] Ob zvišanju zakonsko predpisanih najnižjih zavarovalnih vsot veljajo višje zavarovalne vsote tudi za zavarovalne primere iz veljavnih zavarovalnih pogodb, sklenjenih pred povišanjem zavarovalnih vsot, ki so nastali po uveljavitvi povišanja.

[23] Legal defence: Unlimited ↩

The insurer investigates and defends the policyholder against unjustified or excessive claims. Litigation costs are reimbursed in full, regardless of the sum insured, when the policyholder litigates with the insurer's consent or is represented by counsel appointed by the insurer; defence costs in criminal proceedings are covered only if the insurer has expressly agreed to the defence counsel and committed to reimbursement.

Stroške pravdnega postopka zavarovalnica povrne, če se je zavarovanec pravdal s soglasjem zavarovalnice, ali če je zavarovanca zastopala oseba, katero je določila zavarovalnica. Ti stroški se povrnejo v celoti, ne glede na višino zavarovalne vsote.

[24] Green card: Covered ↩

An international proof-of-insurance certificate automatically valid in Slovenia and all Green Card System signatory countries; not applicable to border insurance for foreign-registered vehicles, for which no international green card can be issued.

Za motorna vozila s tujo registracijo, za katera je sklenjeno mejno zavarovanje avtomobilske odgovornosti po teh zavarovalnih pogojih, velja zavarovanje samo na območju Republike Slovenije ter območju držav Evropskega gospodarskega prostora in Švici. ... Mednarodne zelene karte v zvezi s tem zavarovanjem ni mogoče izdati.

[25] Passenger accident: Optional ↩

Passengers travelling in the insured vehicle with the owner's consent are covered as co-insured third parties under the base AO liability policy for claims against the driver. A separate, optional accident insurance additionally covers drivers, passengers, and workers operating motor vehicles for invalidity, death, daily allowance, and hospital-stay benefits, but no specific sum insured for this optional product is stated in available sources.

S tem zavarovanjem so zavarovane vse osebe, ki imajo po volji lastnika vozila opravek z vozilom (voznik, sprevodnik, spremljevalec ipd.) kot tudi osebe, ki se prevažajo z vozilom po volji njegovega lastnika oziroma uporabnika (sozavarovane osebe).