Generali
Generali is a motor third-party liability insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
The insurer pays the injured third party directly on behalf of the insured; the insured does not pay out of pocket for covered third-party claims. Roadside assistance payments are made directly to service providers by the insurer's assistance centre.
Geographic scope
SI
Veljavno v Republiki Sloveniji in državah članicah sistema zelene karte (večina evropskih držav); za vozila s tujo registracijo le v RS, EGP in Švici.
Unique selling points
- Bonus up to 55% premium reduction for claim-free driving, with family bonus allowing all household vehicles to benefit from the best no-claims record in the family.
- Green Card included free of charge with every AO policy, providing proof of liability coverage across most European and Mediterranean countries.
- 24/7 roadside assistance available in three tiers (M/L/XL) covering Slovenia and abroad; from Tier L upwards includes emergency medical expenses up to EUR 8,000 per person abroad, with the top tier (XL) extending to all Green Card countries and expanding towing and service limits.
- Optional AO-plus driver injury add-on compensates the at-fault driver's own personal injury – a benefit not covered by standard MTPL – including funeral costs up to EUR 3,550.
- Sports event coverage extended by Clause ZOZP-E (effective 2 July 2024), allowing use of the insured vehicle at officially licensed motor sports events without voiding MTPL cover (subject to additional premium).
Coverage limits
Bodily Injury Liability (death, personal injury, health impairment)
Covered
Covers third-party claims for non-pecuniary and pecuniary damage arising from death, bodily injury or health impairment caused by the insured vehicle per loss event regardless of number of claimants, up to the statutory minimum of EUR 6,450,000 per event as set by ZOZP-E (in force from 24 July 2024).
Property Damage Liability
Covered
Covers third-party claims for destruction or damage to property caused by the insured vehicle per loss event regardless of number of claimants, up to the statutory minimum of EUR 1,300,000 per event as set by ZOZP-E (in force from 24 July 2024).
Legal Protection (Zavarovanje pravne zaščite)
Optional
Optional add-on covering legal defence costs in criminal and misdemeanour proceedings arising from traffic accidents; does not cover fines or penalties themselves. Available as an add-on to the basic AO policy.
Green Card (International Motor Insurance Certificate)
Covered
International motor insurance certificate proving validity of MTPL coverage in signatory states of the Green Card system (most European and some Mediterranean countries). Can be included free of charge in the AO policy. For foreign-registered vehicles covered by border insurance, the Green Card cannot be issued.
Roadside Assistance (Avto asistenca M / L / XL)
Optional
Optional 24/7 roadside assistance available in three tiers (M, L, XL). Tier M covers minor repair and towing (up to 100 km) within Europe. Tier L adds passenger transport, accommodation, replacement vehicle (up to 150 EUR/day, up to 5 days for breakdown), fuel/key assistance, advance payment abroad, and emergency medical expenses in foreign accidents (8,000 EUR per person / 24,000 EUR aggregate). Tier XL extends limits and adds tyre damage cover in Slovenia. Coverage area: Tier M/L – geographical Europe; Tier XL – all Green Card countries. Must be activated by calling the assistance centre before any self-help action.
Driver Injury Coverage (AO-plus)
Optional
Optional supplementary coverage (AO-plus-18) compensating the driver of the insured vehicle for non-pecuniary personal injury sustained when the driver is the at-fault party in a traffic accident. Coverage is limited to the sum insured stated on the policy. Excludes fear-related non-pecuniary damage, post-concussion syndrome, and unproven spinal injuries. Funeral costs reimbursed up to EUR 3,550 within the sum insured. Coverage applies only when the insured driver is exclusively or partially at fault; benefit is reduced proportionally for shared fault. Only available when taken out together with the basic AO policy at Generali.
Passenger Accident Insurance (Nezgodno zavarovanje voznika in potnikov)
Optional
Optional accidental death and disability coverage for the driver and all passengers in the vehicle in the event of a traffic accident. Covers permanent disability and death. Available as an add-on to the basic AO policy.
Key conditions
territorial_scope
Coverage is valid in the Republic of Slovenia and in all member states of the Green Card system (most European and some Mediterranean countries). For foreign-registered vehicles with border MTPL insurance, coverage applies only in Slovenia, the EEA and Switzerland; a Green Card cannot be issued for such policies. In all other Green Card signatory states the insurer is liable up to the minimum statutory limits of the Republic of Slovenia.
green_card_rules
The Green Card (international motor insurance certificate) proves MTPL validity in signatory states of the London Agreement. It can be included free of charge in the standard AO policy and is recommended when driving abroad. In some non-EU countries it is obligatory for entry (e.g. Albania, Morocco, Turkey). For foreign-registered vehicles covered under a border insurance policy, the Green Card cannot be issued.
driver_restrictions
Coverage extends to the vehicle owner and all persons who, with the owner's consent, are associated with the vehicle (users, drivers, escorts, passengers). Coverage is void if the driver operated the vehicle without the owner's knowledge or consent (theft), under the influence of alcohol or psychoactive substances, without a valid driving licence of the required category, or with a suspended/revoked licence. Driving in connection with criminal activities is also excluded.
claim_notification_deadline
The insured must notify the insurer of a loss event at the latest within 3 days of becoming aware of it. For roadside assistance claims, the assistance centre must be called immediately and before any self-help action (except in emergencies). Late notification may result in loss of claim entitlement. For medical emergency assistance abroad, the assistance centre must be notified by phone or in writing within 5 days of the incident.
bonus_malus_rules
Premium is determined using a bonus-malus system. Each claim-free year earns a 5% premium reduction (bonus), up to a maximum discount of 55%. Each reported claim results in a premium increase (malus) on renewal. A 30-day grace period (respiro rok) applies to annual policies: coverage automatically extends 30 days beyond expiry unless the policyholder submits written rejection at least 3 days before expiration. Family members with multiple vehicles at Generali may benefit from the highest bonus achieved by any family member. An optional first-claim buyback (odkup prve škode) add-on is available to protect the bonus after the first claim.
Where to buy
Documents
IPID – Zavarovanje avtomobilske odgovornosti (AO), Verzija 2.0, velja od 09/2021
ipid
Pogoji za zavarovanje voznika motornega vozila zaradi telesnih poškodb AO-plus-18 (velja od 5.11.2018)
terms_and_conditions
Splošni pogoji za zavarovanje avto asistence 01-AAS-01/22 (velja od 28.11.2022)
terms_and_conditions
Splošni pogoji za zavarovanje avtomobilske odgovornosti AO-18
terms_and_conditions
Policy specifics
Bonus-Malus System
Premium classification system rewarding claim-free years with 5% discount per year (bonus) and penalizing claims with premium increases (malus)
Partial Casco Coverage Options
Optional coverage modules including glass breakage, light damage, animal collision, parking lot damage, and hail damage without affecting no-claims bonus
Family Discount (Best Claim Record)
All family members with multiple vehicles at Generali receive the same bonus discount level as the family member with the best no-claims record
Legal Protection Coverage
Optional coverage for legal defense costs and claim settlement expenses in traffic accidents, covering criminal/misdemeanor proceedings and damage claims on covered interests
Driver Injury Coverage (AO Plus)
Optional supplementary coverage compensating the driver for personal body injuries (bodily harm) sustained as the at-fault party in traffic accidents
Sports Event Extension (Clause ZOZP-E)
Clause ZOZP-E (effective 2 July 2024) extends MTPL coverage to use of the vehicle at officially licensed sports events and at training drives with elements of a sporting event. This use constitutes increased risk and requires an additional premium; failure to pay the additional premium entitles the insurer to proportionally reduce its indemnity.
Mandatory Annual Renewal
MTPL liability insurance must be renewed annually or continuously before vehicle registration expiry; lapse results in invalid registration and non-compliance with legal requirements
Territorial Coverage Scope
MTPL coverage valid in Slovenia and signatory states of the London Agreement (Green Card system), including most European countries and some Mediterranean countries such as Albania, Morocco, and Turkey; excludes non-signatory states not part of the Green Card system.
Automatic Renewal Grace Period
For annual policies, coverage automatically extends 30 days beyond expiry unless policyholder provides written rejection at least 3 days before expiration
Premium Payment Condition
Coverage begins 24 hours after policy start date only if first premium (or first installment) is paid in full by due date; coverage terminates 30 days after missed premium if not remedied
Accident Reporting Obligation
Insured must report loss event to insurer within 3 days of occurrence; for roadside assistance claims, immediate phone notification to assistance center is required
Vehicle Age Restrictions
Comprehensive casco coverage advised for vehicles up to 8 years old; roadside assistance eligibility varies by package tier and may exclude very old vehicles