GENERALI zavarovalnica d.d.
Generali
Generali is a motor third-party liability insurance for the Slovenia market with online purchase and 24/7 assistance.
Direct payment
The insurer compensates the injured third party directly on behalf of the policyholder; the policyholder does not pay covered claims out of pocket.
Geographic scope
Slovenia, EEA member states, Switzerland and other Green Card system countries
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.
Unique selling points
- No-claims drivers can reach up to 55% bonus, including a special entry benefit that places experienced, claim-free drivers directly in class 3 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
Bodily injury liability (death, injury, impaired health)
€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.
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.
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.
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
Territorial scope
Cover applies in Slovenia and countries party to the Green Card agreement (EEA and associated states); in other Green Card countries the insurer's liability is capped at the higher of the policy sum or the visited country's statutory minimum; in all other countries liability is capped at the Slovenian statutory minimum. Vehicles with foreign registration and border insurance are covered only in Slovenia, the EEA and Switzerland, and no Green Card is issued for them.
Green card rules
The Green Card is issued free of charge with every AO policy as proof of cover in Green Card system countries; it is not issued for border-insurance policies on foreign-registered vehicles.
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.
Where to buy
Policy specifics
Bodily injury and property damage coverage
Primary coverage for death, bodily injury, and property damage caused to third parties and their property
SourceBonus-malus premium adjustment system
Not established from the insurer's documents
Annual premium adjustment based on claims history: 5% annual bonus for no claims (up to 55% total), malus penalty for claims
Coverage 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 commencement date is specified (no end date), coverage continues year-to-year automatically; either party must give written notice to cancel
SourceDirect payment to injured third parties
Not established from the insurer's documents
Insurance company reimburses injured parties directly; policyholder does not pay out-of-pocket for covered claims