Generali Motor third-party liability (Avtomobilska Odgovornost Ao)
Underwritten by GENERALI zavarovalnica d.d. · Slovenia
motor third-party liability insurance from Generali for the Slovenia market, with online purchase and 24/7 assistance.
Verified Aug 22, 2026 · Terms dated 2018-11-05Sources
Unique selling points
No-claims drivers can reach up to 50% bonus; drivers with five consecutive claim-free years and at least a 50% bonus are placed directly in premium class 1 rather than the default class 14.
Family discount lets all vehicles in a household benefit from the best bonus class achieved by any family member.
Green Card international insurance certificate is included free of charge with every MTPL policy.
First-claim buyback (odkup prve škode) lets policyholders keep their bonus class even after their first reported claim.
Policy can be quoted and concluded fully online in a few steps via the registration number or chassis number, with stackable discounts (up to 9% for a driving-habits questionnaire, 5% for Diners Club card payment, 5% for single lump-sum payment).
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal defence / legal protection due to motor vehicle use
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.
Green card (International Motor Insurance 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.
Roadside / motor assistance
Optional
Optional add-on purchasable together with the AO policy, providing 24/7 roadside assistance and cost coverage when the vehicle is immobilised due to breakdown, damage, destruction or disappearance, running out of fuel, or key-related problems; benefit limits depend on the chosen assistance package.
Section: Pogosta vprašanja o avto asistenci > Kaj vse krije zavarovanje avto asistence?
Zavarovanje krije 24-urno organizacijo pomoči in stroške asistenčnih storitev, ko se zavarovanec z vozilom znajde v težavah zaradi: okvare (vsake mehanske, električne ali elektronske napake na vozilu, zaradi katere je zavarovano vozilo nevozno), poškodbe (ko je vozilo zaradi prometne nesreče, padca ali udarca kakega predmeta, požara, viharja ali toče nevozno), uničenja (ko je zavarovano vozilo tako poškodovano, da ga ni več mogoče popraviti – t. i. totalna škoda) ali izginitve vozila (protipravni odvzem zavarovanega vozila), točenja napačnega goriva, obtičanja. Obseg pomoči in višina kritja stroškov sta odvisna od izbrane vrste paketa avto asistence.
Driver bodily injury cover (AO-plus)
Optional
Optional add-on, sellable only together with the AO policy, compensating the at-fault driver's own non-material damage (injury) from a traffic accident, or funeral costs to relatives in case of the driver's death (funeral benefit fixed at EUR 3,550 under the G24 variant of the product); the sum insured is agreed on the policy and payout is reduced by 20% if the seatbelt was not worn.
Accident cover for drivers and passengers
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.
Key conditions
Driver restrictions
Increased-risk surcharges apply to drivers with less than 3 years of driving experience or accompanied-driving learners; coverage rights are lost if the driver lacked a valid licence for the vehicle category, had the licence revoked/suspended, drove under the influence of alcohol or psychoactive substances, caused the damage intentionally, used the vehicle contrary to the policy purpose, or left the accident scene without providing details.
Claim notification deadline
The policyholder must notify the insurer of the insured event no later than three days from the day they learned of it.
Bonus-malus rules
Premium is set via 20 premium classes (50%-200% of the base premium); a new policy starts at class 14, each claim-free year moves one class toward bonus (up to 55% discount for experienced claim-free drivers via Generali's class-3 entry benefit), while a claim in the previous period moves the policy three classes toward malus (up to 4 claims counted per period); a family bonus lets all household vehicles use the best family member's bonus.
Territorial scope
Coverage applies in the Republic of Slovenia and in states party to the Agreement between national insurance bureaus of EEA member states and other associated members, or states party to the General Rules (Green Card), and in the territory of other states; for foreign-registered vehicles with border insurance, cover is limited to Slovenia, EEA states and Switzerland only.
Documents
General Terms and Conditions for MTPL Insurance (AO-18) (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for MTPL Insurance (01-AOD-01/20) (opens in a new tab)
Terms & conditions · PDF
IPID - Vehicle Insurance (v2.0, Sept 2021) (opens in a new tab)
Product information sheet · PDF
IPID - Vehicle Insurance (v3.0, Sept 2024) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Bodily injury and property damage coverage
Primary coverage for death, bodily injury, and property damage caused to third parties and their property
SourceCoverage area restrictions for foreign-registered vehicles
For vehicles with foreign registration, coverage is limited to Republic of Slovenia, EEA countries, and Switzerland only
SourceCoverage commencement timing
Coverage begins after 24 hours from the day specified as commencement in the policy, provided first premium is paid
SourceAutomatic policy renewal and continuation
If only the commencement date is specified (no end date), coverage continues year-to-year automatically; either party must give written notice of cancellation at least 3 months before the end of the current insurance year.
SourceClause 7. člen (2)Page 3 od 6Section: 7. člen - ZAČETEK IN KONEC ZAVAROVALNEGA KRITJA > (2)
Če je v polici naveden samo začetek zavarovanja, se zavarovanje nadaljuje iz leta v leto, dokler ga katera od pogodbenih strank ne odpove. Odpovedati ga mora vsaj 3 mesece pred koncem tekočega zavarovalnega leta.
Direct payment to injured third parties
Insurance company reimburses injured parties directly; policyholder does not pay out-of-pocket for covered claims
SourceClause 1. členPage 1 od 6Section: 1. člen - ZAVAROVANE NEVARNOSTI
Zavarovalnica povrne škodo, ki je posledica uveljavljanja odškodninskih zahtevkov tretjih oseb na podlagi civilnega prava, če je pri uporabi in posesti v polici navedenega vozila prišlo do: […] Oškodovanec lahko zahteva povrnitev škode od odgovornostne zavarovalnice motornega ali priklopnega vozila.
Sources
- g24.sihttps://www.g24.si/zavarovalna-kritja(opens in a new tab)
- generali.sihttps://www.generali.si/fileadmin/POGOJI/AO-18.pdf#page=1(opens in a new tab)
- generali.sihttps://www.generali.si/fileadmin/POGOJI/AO-18.pdf#page=3(opens in a new tab)
- generali.sihttps://www.generali.si/zavarovanje/avto/avto-asistenca(opens in a new tab)
Generali Motor third-party liability