Triglav Motor third-party liability (Mtpl Ao)

Your bonus class carries over when switching to Triglav (with a claims-history certificate from the previous insurer) and can pass to a spouse when vehicle ownership is transferred.

Safe driving tracked via the DRAJV telematics app can earn up to a 20% discount on motor insurance.

Combining AO with other Triglav motor covers in a package can save up to 14%, and bundling all personal insurance under the Triglav komplet can save up to 40-50%.

A dedicated 'Mladi voznik' (Young Driver) policy is tied to the driver rather than the vehicle, letting a young driver insure themselves to drive any personal car.

Driver restrictions

Besides the vehicle owner, all persons who deal with the vehicle with the owner's consent (user, driver, operator, conductor, accompanying person, etc.) are insured, as well as persons carried in the vehicle with the consent of its owner or user (co-insured persons).

Claim notification deadline

The insured must notify Triglav of the insured event no later than 3 days after becoming aware of it (e.g. online via i.triglav, DRAJV, WhatsApp or Viber).

Section: PG-aod/25-9 > 4. člen - Zavarovančeve obveznosti

Zavarovanec je dolžan obvestiti zavarovalnico o zavarovalnem primeru najpozneje v treh dneh od dneva, ko zanj izve.

Bonus-malus rules

20 premium classes (45%-200% of the base premium); new policies start in class 14; each claim-free year moves the policy one class down, each reported claim three classes up (maximum 4 claims counted per year); first-claim buy-back is available from class 14 or better.

Section: PG-aod/25-9 > 10. člen - Določanje zavarovalne premije ob upoštevanju števila prijavljenih škod; 12. člen - Druge določbe o bonusu in malusu

za vsako novo zavarovanje se premija določi po 14. premijskem razredu... vsako zavarovalno leto brez prijavljene škode za vozilo iste vrste omogoča razvrstitev za en premijski razred nižje v naslednjem zavarovalnem letu (bonus); vsaka prijavljena škoda ... ima za posledico razvrstitev za tri premijske razrede višje ..., s tem da se pri tem upošteva največ štiri prijavljene škode v istem zavarovalnem letu.

Territorial scope

Valid in Slovenia and abroad; the insurance is tied to the vehicle and covers accidents in Green Card system / EEA bureau agreement countries up to the higher of the visited country's statutory minimum or the policy sum, and in all other countries up to Slovenia's statutory minimum; a Green Card is required for certain non-harmonised countries.