Extracted from source documents

Groupama Motor third-party liability (Varen Avto Ao)

Underwritten by Groupama Biztosító Zrt. Zavarovalnica, Podružnica · Slovenia

motor third-party liability insurance from Groupama for the Slovenia market, with 24/7 assistance.

Verified Aug 22, 2026 · Terms dated 2024-09-01Sources

24/7 helpline

Unique selling points

Free replacement vehicle for up to 10 days after an accident, sold as an exclusive add-on to the AO policy.

GROUPAMA Assistance add-on organises towing, key-related help and a replacement vehicle whenever the car becomes unroadworthy after an accident or breakdown.

Free 'Drive Angel' mobile app bundled with the assistance package automatically alerts the emergency call centre via E-call if it detects an accident.

'Zaščita bonusa' lets policyholders in premium class 14 or better buy out the malus consequences of their first claim for an extra premium.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Covered

Legal Defence Costs

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.

Clause Art. 6Page 3

Section: OBVEZNOSTI ZAVAROVALNICE > 6. člen

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.

Covered

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.

Clause Art. 8Page 4

Section: OBMOČJE VELJAVNOSTI ZAVAROVANJA > 8. člen

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.

Optional

Roadside Assistance (GROUPAMA Assistance)

Optional

Optional add-on service providing organisation of towing and vehicle transport, help with lost/locked keys, remedy for wrong fuel refuelling, transport of the insured persons, and a replacement vehicle when the vehicle is not roadworthy after an accident or breakdown.

Page 2

Section: Kaj je zavarovano?

Zavarovanje avtomobilske asistence: organizacija vleke in prevoza vozila, pomoč pri težavah s ključi; odpravljanje posledic napačnega točenja goriva, organizacija prevoza zavarovancev ter nadomestno vozilo.

Optional

Driver Accident Cover (AO PLUS)

Optional

Optional rider (AO PLUS, policy AOPGP-01/24) reimbursing legally recognised damage for bodily injury suffered by the driver of the insured vehicle when the driver is at fault, up to the sum insured agreed in the policy; in case of the driver's death, a flat funeral-cost benefit of 3,500 EUR is paid to relatives in addition to legally recognised damages. The insurer's benefit is reduced by 25% if the driver was not wearing a seatbelt or helmet as required by law. Fear-related damage, bruises/abrasions, and damage to belongings/clothing are excluded.

Clause Art. 1-2Page 1

Section: ZAVAROVALNO KRITJE > 1. člen; OBSEG ZAVAROVALNEGA KRITJA > 2. člen

Zavarovalnica se zaveže povrniti pravno priznano škodo, ki jo zaradi telesnih poškodb v prometni nesreči z zavarovanim motornim vozilom, na katerega je vezano to zavarovanje, utrpi zavarovanec.

Optional

Passenger Accident Cover

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.

Page 2

Section: Kaj je zavarovano?

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

Key conditions

Driver restrictions

Additional premium/increased-risk categories include: rental/car-sharing use, taxi service, commercial passenger transport, test drives, transport of hazardous substances, vehicles owned by legal entities, and drivers with less than 3 years of driving experience or requiring an accompanying driver. Rights under the policy are lost in cases such as driving without a valid licence, driving with a revoked/suspended licence, driving under the influence of alcohol (over 0.50 g/kg blood or 0.24 mg/l breath) or drugs/psychoactive substances, intentional causing of damage, a technically unroadworthy vehicle, or leaving the 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 became aware of it.

Bonus-malus rules

Premium is set via 20 premium classes (40%-200% of the base premium); a new policy starts at class 14 (100%). Each claim-free insurance year moves the policyholder one class lower (bonus) in the following year; each reported claim in the past year moves the policyholder three classes higher (malus), counting at most four claims per year. Policyholders eligible for class 14 or better may buy out the consequences of a first claim for an additional premium ('Zaščita bonusa'/bonus protection), which is not available mid-term. For fleets of 11 or more vehicles, premium may instead be adjusted based on the ratio of settled claims to premium paid over the past three calendar years, with bonus applied below 68.0% loss ratio and malus above 93.5% (capped at 85% increase).

Territorial scope

Valid in the Republic of Slovenia and in countries that are signatories to the Agreement between national insurance bureaus of EEA member states and other associated members (Green Card system), and in other countries; for vehicles with foreign registration under border insurance, cover is limited to EEA countries and Switzerland only.

Documents

General Terms and Conditions for Motor Third-Party Liability Insurance (AOGP-01/24) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Vehicle Insurance (IPID-SL-ZV241) (opens in a new tab)

Product information sheet · PDF

General Terms and Conditions for Driver Accident Insurance - AO PLUS (AOPGP-01/24) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Extra Replacement Vehicle 'Backup Car' Insurance (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Extra Replacement Vehicle (Backup Car)

Optional coverage available exclusively with Motor Third-Party Liability (AO) insurance, providing free use of replacement vehicle for up to 10 days following an accident or vehicle damage

Source

Section: KONKURENČNA PREDNOST ZAVAROVANJA VAREN AVTO

Kritje omogoča brezplačno uporabo nadomestnega vozila do 10 dni v primeru nesreče ali poškodbe vozila uporabnika z aktiviranjem police avtomobilske odgovornosti, ne glede na to, ali je vozilo po prometni nesreči ali nastanku škode v voznem stanju ali ne in ne glede na to, ali je uporabnik vozila kriv za škodo ali ne.

GROUPAMA Assistance Services

Optional roadside assistance service available for policyholders, providing emergency support in case of accident or technical vehicle failure when the vehicle is not in drivable condition

Source

Section: ZAVAROVANJE VAREN AVTO

GROUPAMA Asistenca nudi pomoč na cesti v primeru nesreče ali tehnične okvare vozila, ko vaše vozilo ni v voznem stanju zaradi nesreče ali druge težave in ni varno za vožnjo.

Drive Angel Mobile Application

Free mobile application included with GROUPAMA Assistance services, providing accident detection with E-call function to alert emergency call center, unlimited access for policyholders

Source

Section: DODATNA UGODNOST > Mobilna aplikacija »Drive angel«

Aplikacija skrbi, da varno pridete do cilja in v primeru težav na cesti prepozna prometno nesrečo ter s funkcijo E-call obvesti klicni center, ki bo takoj zagotovil pomoč na cesti. ... Uporabniki imajo do aplikacije neomejen dostop in lahko njene storitve uporabljajo kadarkoli.

Mandatory Insurance Requirement

Motor Third-Party Liability (AO) insurance is compulsory and must be concluded before vehicle registration, as mandated by the Law on Compulsory Motor Vehicle Insurance

Source

Territorial Coverage Scope

Insurance coverage valid in Republic of Slovenia and Green Card countries (EU Economic Area member states and associated members), plus other designated countries as specified in general conditions

SourcePage 2

Section: Kje velja zavarovanje?

To zavarovanje je veljavno v Republiki Sloveniji ter če je to navedeno v Splošnih pogojih za posamezno zavarovanje tudi v državah, ki so podpisnice sporazuma med nacionalnimi zavarovalnimi biroji držav članic Evropskega gospodarskega prostora in drugih pridruženih članic, kot je opredeljeno v Splošnih pravilih (zelena karta), ter območju ostalih držav.

Premium Payment Terms

Insurance premium must be paid at the time of contract conclusion. Payment can be made as single sum or in 12 monthly installments by agreement

SourcePage 2

Section: Kdaj in kako plačam?

Zavarovalno premijo je potrebno plačati ob sklenitvi zavarovanja. Po dogovoru je zavarovalno premijo mogoče plačati v enkratnem znesku ali v 12 mesečnih obrokih.

Sources