Sava
Sava is a motor third-party liability insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
The insurer pays third-party claims directly to the injured parties. The policyholder must not acknowledge liability or settle claims independently; the insurer handles all claim management and legal defense on behalf of the insured.
Geographic scope
SI
Republika Slovenija in države podpisnice Sporazuma med nacionalnimi zavarovalnimi biroji držav članic EGP in drugih pridruženih članic (zelena karta) ter območje ostalih držav
Unique selling points
- Legal protection for the driving licence is automatically included in every AO policy at no extra cost, covering representation in licence suspension proceedings arising from a traffic accident or offence.
- The Hi3 online channel allows fully digital MTPL issuance in three steps, 24/7, with instant electronic policy delivery and payment by card – no agent visit required.
- The 'first loss discount' (odkup prve škode) can be attached to the AO policy and guarantees the policyholder retains their existing bonus class even after one reported claim, applicable at any premium class level.
- Claims can be initiated digitally through the SavaNet portal or via online damage report with remote expert assessment using the policyholder's smartphone camera, eliminating the need to visit a branch.
- Sava's in-house 24-hour assistance centre (SAVA-ASISTENCA, active since 2018) provides roadside help across all Green Card countries with high coverage limits, available as an optional add-on to AO at competitive terms.
Coverage limits
Bodily injury liability (death, bodily injury, impaired health)
Covered
Covers third-party claims for death, bodily injury and impaired health arising from use or possession of the insured vehicle. The statutory minimum insured sum as of June 2024 is EUR 6,450,000 per loss event regardless of the number of injured parties. Higher sums may be agreed contractually.
Property damage liability (destruction or damage of things)
Covered
Covers third-party claims for destruction or damage to property arising from use or possession of the insured vehicle. The statutory minimum insured sum as of June 2024 is EUR 1,300,000 per loss event regardless of the number of claimants. Higher sums may be agreed contractually.
Legal defence costs (criminal and civil proceedings)
Covered
The insurer is obliged to examine claims as to basis and quantum, settle justified claims, and provide defence against unjustified or excessive claims. Litigation costs are fully covered when the insured litigates with the insurer's consent or is represented by the insurer's appointed person. Additionally, legal protection for the driving licence is included in the AO policy without surcharge, covering representation in proceedings for licence suspension arising from a traffic accident or offence.
Green Card (international motor insurance certificate)
Covered
Coverage extends to Slovenia and all Green Card system signatory countries (EEA member national insurance bureaux and associated members). In Green Card countries the insurer assumes liability up to the higher of the contractual sum or the minimum prescribed sum of the visited country. In all other countries the insurer assumes liability up to the minimum sums prescribed in Slovenia. A Green Card cannot be issued for border insurance policies for foreign-registered vehicles.
Roadside assistance (SAVA-ASISTENCA)
Optional
24-hour roadside assistance is available as an optional add-on (SAVA-ASISTENCA) to the mandatory AO policy. It covers traffic accident consequences, mechanical breakdown, vandalism, vehicle damage, theft, key and fuel problems. Services are provided in kind via the assistance centre (tel. 080 19 21 from Slovenia, +386 2 618 05 20 from abroad) and include on-site repair, towing, key/fuel assistance, vehicle recovery, spare parts delivery, accommodation, medical transport and repatriation. Specific coverage amounts and packages are defined in the Special Conditions for each vehicle type.
Driver accident insurance (AO-Plus / zavarovanje voznika za škodo zaradi telesnih poškodb)
Optional
Bodily injury and death of the driver as the at-fault party in a traffic accident is not covered by the mandatory AO policy (which covers only third-party claims). The optional AO-Plus rider covers bodily injury and death of the insured vehicle's driver in the event of a traffic accident where the driver is the at-fault party. The minimum insured sum offered is EUR 51,000; higher sums (e.g. EUR 75,000 or EUR 100,000) may be available. The driver's injuries are excluded from the base AO policy.
Passenger accident insurance (nezgodno avtomobilsko zavarovanje)
Optional
Passengers travelling in the insured vehicle with the owner's permission are covered under the mandatory AO policy for third-party bodily injury claims against the driver. An optional accident insurance add-on (nezgodno avtomobilsko zavarovanje) additionally covers drivers, passengers and workers operating motor vehicles for invalidity, death, daily allowance and hospitalisation allowance. This is an optional product separate from the base AO liability cover.
Key conditions
territorial_scope
The insurance covers the Republic of Slovenia and all countries signatory to the Agreement between national insurance bureaux of EEA member states and associated members (Green Card countries), as well as other countries as stated in the policy. In Green Card countries the insurer assumes liability up to the higher of the contractual or the visited country's minimum prescribed sum. In all other countries, the insurer assumes liability up to the minimum sums prescribed in Slovenia.
green_card_rules
A Green Card (Zelena karta) is issued as proof of valid third-party motor insurance for travel abroad. The insurer assumes obligations toward injured parties in Green Card countries up to the minimum legally prescribed sums of the visited country if those are higher than the contractual sums, or up to the contractual sums if those are higher. For border insurance of foreign-registered vehicles, the policy is valid only in Slovenia and EEA/Switzerland; no Green Card can be issued for such policies.
driver_restrictions
Coverage is voided if the driver used the vehicle for a purpose other than specified in the policy; did not hold a valid driving licence for the vehicle category; had a suspended or revoked licence; drove under the influence of alcohol (blood alcohol above 0.50 g/kg or 0.24 mg/l in breath) or narcotics/psychoactive substances; intentionally caused the damage; the vehicle was not technically roadworthy; or the driver fled the scene without leaving personal and insurance details. Exceptions apply where the insured proves the damage is not causally linked to the above circumstances, or for shared liability.
claim_notification_deadline
The insured must notify the insurer of the loss event within 3 days of becoming aware of it. If criminal or administrative proceedings are initiated, or a damage claim or lawsuit is filed against the insured, the insurer must be informed immediately. The insured must submit all documents containing such claims and cede conduct of litigation to the insurer.
bonus_malus_rules
New policies start at premium class 14 (100% of base premium). Each claim-free year earns one class lower (bonus); each reported claim in the previous year raises the class by three (malus), up to four claims considered. The maximum bonus for AO is class 1–4 (45% of base premium). The 'first loss discount' (odkup prve škode) can be purchased to neutralise the effect of one claim. Bonus is transferable to a same-type vehicle within 5 years and to a spouse. When switching insurers, the new insurer classifies the policyholder based on a written confirmation from the previous insurer or from the motor insurance register.
Where to buy
Documents
SP AO 01/26 – Splošni pogoji za zavarovanje avtomobilske odgovornosti (velja od 19.3.2026)
terms_and_conditions
SAVA-ASISTENCA 01/18 – Splošni pogoji za zavarovanje pomoči na cesti
terms_and_conditions
AK 01/17 – Splošni pogoji za zavarovanje avtomobilskega kaska
terms_and_conditions
Produktna mapa – Avtomobilsko zavarovanje (paketna primerjalna tabela)
benefits_table
Policy specifics
Legal protection for driving license
Included in mandatory AO (Zavarovanje avtomobilske odgovornosti) without additional cost, covering legal expenses related to driving license suspension proceedings
First loss discount (Odkup prve škode)
Optional add-on protecting against bonus loss on first claimed damage, can be attached to AO, AO-Plus or comprehensive casco coverage
24-hour roadside assistance
Comprehensive roadside help provided through partner network, available 24/7 at home and abroad, covering traffic accidents, mechanical breakdowns, vandalism, theft, vehicle damage and fuel/key issues
Electric vehicle protection
Special coverage for electric and plug-in hybrid vehicles, protecting against indirect lightning strike damage when vehicle is charging, covering electronics, battery and charging cables
Anti-theft device discount
Significant discounts available for vehicles equipped with approved anti-theft devices: 20% for advanced systems (Mul-T Lock, Defend-Lock, SQ Track, Track8, GPS tracking systems) and 10% for standard systems
Flexible casco (Fleksi kasko)
Flexible partial casco option allowing selection of one or more specific risks instead of full coverage, designed for cost-conscious policyholders who want tailored protection
Casco Totalka (Total damage for older vehicles)
Special coverage for vehicles aged 5-15 years, covering only total loss/complete destruction when repair costs exceed 70% of Eurotax market value, designed for older vehicles where partial damage often leads to total loss
Authorized repair service network
Policyholder may choose any authorized repair service or self-select any workshop for repairs; fast damage assessment available through authorized 'Quick Check' partner services
Deductible/Franchise options
Casco coverage available with or without deductible; very low deductible option available (0.5% of claim value); deductible represents policyholder's co-payment on damages
Bonus-malus system
No-claim bonus accrues at up to 50% for AO coverage and up to 55% for casco coverage; malus (penalty) applied to coverage class on claims; bonus transferable to family member's vehicle
Claims reporting procedures
Claims can be reported through: personal SavaNet portal, online form, free phone line 080 19 20, assessment centers, all branch offices, representative/intermediary, or authorized Quick-Check partner services
Geographic coverage area
Covers Republic of Slovenia and signatory countries to the Agreement on national insurance bureaux of EEA members and associated members (Green Card system countries); optional coverage in other countries per policy terms
Policy renewal and continuation
Annual policies auto-renew unless cancelled; new offer issued before expiry with 30-day grace period if not rejected; minimum 3-month notice required for termination before renewal; continuous coverage from year to year