Triglav
Triglav is a motor third-party liability insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
The insurer pays compensation directly to injured third parties. The policyholder must not acknowledge or reject claims independently; all claims handling is managed by the insurer. In the event of a loss, the insured must notify the insurer within 3 days and assign management of litigation to the insurer.
Geographic scope
SI
Veljavno na območju Republike Slovenije in držav, ki so podpisnice Sporazuma med nacionalnimi zavarovalnimi biroji držav članic EGP in pridruženih članic (zelena karta), ter ostalih držav. V državah zelene karte zavarovalnica prevzema obveznost do višine najnižjih predpisanih zavarovalnih vsot obiskane dežele, če so višje od pogodbenih vsot.
Unique selling points
- Statutory MTPL limits automatically upgraded on existing policies as soon as the law raises minimum sums, without any policy amendment needed.
- DRAJV telematics app awards safe drivers up to 20% additional discount on top of all other discounts, applicable simultaneously on AO, AO+ and comprehensive CASCO.
- Up to 14% package discount when bundling MTPL with AO+, CASCO, assistance and legal protection in a single Triglav motor insurance package.
- 24/7 assistance centre reachable via a dedicated freephone number (080 2864) from Slovenia and +386 2222 2864 internationally, as well as via Triglav web and mobile apps.
- Triglav Komplet loyalty programme offers up to 50% additional family bonus discount on MTPL premiums for new or renewed policies.
Coverage limits
Bodily injury liability (death, bodily injury, health impairment)
Covered
Covers third-party claims for death, bodily injury and health impairment arising from a single insured event, regardless of the number of claimants. The minimum statutory limit is 6,450,000 EUR per event. Higher sums may be agreed by contract. Limits are automatically updated upon any statutory increase.
SourceProperty damage liability (destruction or damage to property)
Covered
Covers third-party claims for destruction or damage to property arising from a single insured event, regardless of the number of claimants. The minimum statutory limit is 1,300,000 EUR per event. Higher sums may be agreed by contract. Limits are automatically updated upon any statutory increase.
SourceLegal protection and defence (zavarovanje pravne zaščite)
Optional
Optional add-on (PG-prz/22-3) covering costs of criminal and misdemeanour defence proceedings, civil liability claims arising from traffic accidents, and defence against third-party claims. Covers attorney fees (per applicable tariff), court/administrative fees, expert witnesses, translators, and witnesses. Sum insured is policy-stated; applies per insured event throughout the policy period regardless of number of events. Territorial scope: geographic Europe unless otherwise agreed.
SourceInternational motor insurance card (Green Card)
Covered
The policy is valid in all Green Card System countries. An International Motor Insurance Card (Green Card) can be issued and serves as proof of MTPL coverage abroad. In Green Card countries the insurer assumes liability up to the higher of the locally prescribed minimum sums or the contractual sums. For vehicles with foreign registration under a border insurance policy, the Green Card cannot be issued and coverage is limited to the EEA and Switzerland.
SourceAutomotive roadside assistance (MINI / PLUS / COMFORT)
Optional
Optional add-on available in three tiers: MINI (Slovenia + geographic Europe; towing up to EUR 1,000 per event; vehicle rescue up to EUR 500; passenger transport up to EUR 500), PLUS (towing up to EUR 2,000; vehicle rescue up to EUR 2,000; passenger transport up to EUR 1,000; replacement vehicle up to 5 days; hotel accommodation up to 3 nights for events ≥150 km from home), and COMFORT (towing costs covered in full; vehicle rescue covered in full; replacement vehicle up to 45 days at contracted/authorised workshop; hotel accommodation; advance of funds abroad up to EUR 400). All tiers require notification to the assistance centre (080 2864 from Slovenia; +386 2222 2864 from abroad) before organising services. Can be added to MTPL at Triglav.
SourceDriver injury insurance (AO plus)
Optional
Optional add-on (PG-aop/22-3) covering legally recognised damages suffered by the driver who caused the accident. Covers bodily injuries in traffic accidents for which the insured driver is responsible. Sum insured is agreed in the policy. Funeral expenses paid as a lump sum of EUR 3,500 in the event of death. Bruises, abrasions and personal property damage are excluded. Compensation is reduced by 25% if the driver was not wearing a seatbelt or helmet as required by law. Linked to the base MTPL policy at Triglav.
SourceAccident insurance for drivers and passengers (nezgodno zavarovanje voznikov in potnikov)
Optional
Optional stand-alone accident insurance (PG-nvd-NMV/20-2) for drivers and passengers in motor vehicles. Covers accidental death (if death occurs within 180 days of the accident), serious injuries per the Serious Injuries Table (PG-nvd-NMV-tpo/20-2), and fractures, dislocations, burns and soft tissue injuries per the corresponding table (PG-nvd-NMV-tzio/20-2). Sum insured stated on policy. Benefit reduced to 75% if the insured was not wearing a seatbelt or helmet, or if the driver was under the influence of alcohol/drugs. Benefits reduced to 55% if multiple reduction criteria apply simultaneously.
SourceKey conditions
territorial_scope
Coverage is valid in the Republic of Slovenia and in all countries that are signatories to the Agreement between national insurance bureaux of EEA Member States and other associated members (Green Card system) as well as other countries. In Green Card countries the insurer assumes liability to the higher of the locally prescribed minimum sums or the contractual sums. In all other countries liability is limited to the minimum sums prescribed in Slovenia. For border insurance on foreign-registered vehicles, coverage is limited to EEA countries and Switzerland.
green_card_rules
An International Motor Insurance Card (Green Card) can be issued for travel abroad and serves as official proof of MTPL coverage in all Green Card system countries. It contains all emergency contact details needed to file claims. For vehicles with foreign registration insured under a border insurance policy, the Green Card cannot be issued. The insurer assumes liability in visited Green Card countries up to the higher of the locally required minimum sums or the policy sums.
driver_restrictions
Coverage may be denied or the insurer may exercise recourse against the policyholder and co-insured persons if the driver: (1) used the vehicle for an unauthorised purpose; (2) lacked a valid driving licence for the vehicle category; (3) had a licence that was revoked or suspended; (4) lacked a required permit, certificate or licence; (5) was under the influence of alcohol (>0.50 g/kg blood or >0.24 mg/l exhaled air), prohibited drugs, psychoactive medicines or other psychoactive substances; (6) caused damage intentionally; (7) drove a vehicle that was not in roadworthy condition (no valid technical inspection); or (8) left the accident scene without providing personal and insurance details. Drivers with fewer than 3 years of experience or those driving with an accompanying driver constitute an increased risk requiring an additional premium.
claim_notification_deadline
The policyholder must notify the insurer of an insured event no later than 3 days after becoming aware of it. If criminal investigations, charges or administrative proceedings are initiated against the policyholder, this must be reported immediately even if the event was already reported. All claims handling must be entrusted to the insurer; the policyholder must not independently admit or reject claims. Breach of these obligations reduces the insurer's liability by the amount of any resulting damage.
bonus_malus_rules
The bonus-malus system uses 20 premium classes. New policies are placed in class 14 (100% of base premium). Each claim-free year moves the vehicle one class lower (5% discount); each reported claim moves it three classes higher (malus), up to a maximum of 4 claims counted per year. Maximum discount: 55% at class 1 (classes 1–3 all at 45%). Maximum surcharge: 200% at class 20. Policyholders at class 14 or lower may purchase protection against the first claim for an additional premium (buy-back). The bonus/malus is not transferable to a new owner on vehicle sale, except upon transfer to a spouse (donor loses the bonus). When switching insurers, the insured must provide a certificate of prior insurance history; otherwise, class 14 applies.
Where to buy
Documents
Splošni in dopolnilni pogoji za avtomobilska zavarovanja – Motor in Avtodom (PG-aod/25-9, PG-aop/22-3, PG-aka/25-9, PG-aas-mini/24-6, PG-aas-plus/24-6, PG-aas-comf/24-6, PG-prz/22-3, PG-nvd-NMV/20-2)
terms_and_conditions
Splošni pogoji za zavarovanje avtomobilske odgovornosti PG-aod-22-3 (legacy version)
terms_and_conditions
IPID-AV-22-3 – Dokument z informacijami o zavarovalnem produktu – Zavarovanje motornih vozil
ipid
Policy specifics
Full CASCO coverage
Comprehensive vehicle damage coverage including accidents, theft, natural disasters, and vandalism
Driver injury insurance (AO+)
Coverage for bodily injuries of the driver who caused the accident
Automotive assistance coverage
24-hour roadside assistance and emergency support for vehicle and driver
Legal protection and assistance
Coverage of legal costs and assistance in traffic accident disputes
Accident insurance for driver and passengers
Death benefit and disability coverage for drivers and passengers in accidents
Bonus-Malus system
Premium discount or surcharge based on claims history. 20 premium classes with base rate at class 14
CASCO deductible (franšiza)
Policyholder's share of loss in CASCO claims. Amount to be paid by insured in each claim
Predefined insurance packages
Multiple package tiers: Mini, Large, Large Plus, Comfort, Comfort Plus with bundled coverage options
International motor insurance card (Green Card)
International proof of liability insurance valid in all Green Card System countries
DRAJV app safe driving discount
Telematics-based discount for safe driving tracked via mobile application