Allianz Hrvatska d.d., Zagreb - Allianz Slovenija Insurance Branch
Allianz Slovenija
Allianz Slovenija is a motor third-party liability insurance for the Slovenia market with no online purchase and 24/7 assistance.
Direct payment
If the policyholder chooses repair over a cash settlement, Allianz offers a wide network of authorised repair workshops and settles the repair cost directly with the workshop rather than reimbursing the customer.
Geographic scope
Republic of Slovenia and Green Card system member countries
Coverage applies within the Republic of Slovenia and in the territory of Green Card system member states. In Kosovo, only the accident and casco (vehicle) covers apply, not liability. Roadside assistance does not apply in Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia and Ukraine.
Unique selling points
- Legal defence costs for the at-fault driver's criminal proceedings are covered up to 5,500 EUR as part of the compulsory policy.
- 24/7 dedicated roadside assistance hotline, available every day of the year for breakdowns and accidents.
- Free one-off Green Card issued immediately at policy inception, recognised across all Green Card member countries.
- Digital 'Status škode' claims tracker lets customers follow their claim's progress online in real time.
- Allianz aims to pay out agreed claim settlements within 2 working days of confirming the settlement.
Coverage limits
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).
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.
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.
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.
Roadside Assistance
Optional
Optional add-on to the compulsory liability policy. Basic roadside assistance (towing, transport of driver/passengers up to 50 km, information services) is available with all four packages, limited to passenger cars, trucks up to 3.5t GVW and motorcycles, and covers up to one hour of on-site labour. Extended roadside assistance (adds replacement vehicle, hotel accommodation up to 3 nights at max 75 EUR/night, return-home transport, fuel delivery, tyre change) is available only with Plus, Extra and Max packages. Not valid in Albania, Azerbaijan, Armenia, Belarus, Georgia, Iceland, Moldova, Russia and Ukraine.
Driver Insurance (AO+) and Driver Accident Cover
Optional
Optional enhancement to the compulsory liability cover, not included by default in basic mandatory insurance, but selectable with any of the four packages (Comfort, Plus, Extra, Max). Pays non-pecuniary damages (physical and mental pain) to the driver injured in an accident the driver caused, plus death/permanent disability accident benefits for the driver. The insured sums for death/disability are stated on the individual policy; the funeral cost sub-limit is fixed at 3,500 EUR.
Accident Insurance for Driver and Passengers
Optional
Only in Plus, Extra, Max
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.
Key conditions
Territorial scope
Covers claims arising in the Republic of Slovenia and in Green Card system member countries. Kosovo is limited to accident and casco (vehicle damage) cover only, not liability. If a Green Card member state prescribes a higher minimum sum insured than Slovenia, that higher minimum applies.
Green card rules
The Green Card is proof of the concluded compulsory liability insurance, issued free of charge as a one-off document at policy inception in accordance with the authorisation of the Slovenian Insurance Association. It is recognised in all Green Card system member states, listed on the certificate and on the Slovenian Insurance Association website.
Driver restrictions
The insurer has no obligation towards the policyholder if the driver did not hold a valid driving licence of the relevant category, used the vehicle for a purpose other than intended, drove under the influence of alcohol (over 0.50 g/kg blood or 0.24 mg/l breath), drugs or psychoactive substances, had their licence revoked or suspended, or fled the scene without providing their details. These limitations also apply to basic and extended roadside assistance cover.
Claim notification deadline
The claim must be reported to the insurer as soon as possible, and no later than 24 hours from the occurrence of the event or from becoming aware of it, via the online form or the free phone line. Serious accidents (severe injury, death, fire, explosion, theft, vandalism, animal collision, or disputed fault) must also be reported to the police, and the insurer notified within 24 hours of the police report.
Bonus-malus rules
Premium is set by a bonus-malus class system: new policies start at class 14 (100% of base premium). Each claim-free year moves the policy two classes lower (down to class 0, 40% of base premium) in the following year; each claim reported moves it four classes higher (up to class 20, 200% of base premium). Paying an optional 'first-claim buy-back' surcharge lets the policyholder keep their bonus class despite one claim; this buy-back does not apply to bonus earned at another insurer.
Documents
Motor Vehicle Insurance Terms and Conditions and Service Guide
Terms & conditions
Moj Avto - Insurance Product Information Document
IPID
Compulsory Motor Liability Insurance - IPID
IPID
Moj Avto Benefit Guide
Table of benefits
Moj Avto - Complete Motor Vehicle Protection Leaflet
Other document
Moj Avto Product Page
Other document
Policy specifics
Legal Protection Costs
Coverage for criminal proceedings costs initiated against the policyholder due to a damage event
SourceBasic Roadside Assistance
Includes immediate assistance such as towing to the nearest service workshop in case of accident or vehicle breakdown
SourceThird-Party Damage Coverage
Covers bodily injury, damage to health, or death of third parties; destruction or damage to third-party vehicles; destruction or damage to third-party property
SourceDriver Insurance (AO+)
Optional coverage for driver death or permanent disability due to traffic accidents, as well as bodily and emotional pain damages from injuries suffered by the driver in traffic accidents caused by the driver
SourceGreen Card System Coverage
Coverage applies within the territory of the Republic of Slovenia and within the territory of EU/EEA Green Card system member states
SourceBonus-Malus System
Premium discounts based on claims history. First damage redemption allows retention of earned bonus upon policy renewal
SourceValid Driving License Requirement
Allianz has no obligations if the accident occurs while driving without the required valid driving license of appropriate type or category
SourceVehicle Owner Authorization Requirement
Allianz has no obligations if an accident occurs while the vehicle is operated or driven without the knowledge or approval of the vehicle owner
Source