Zavarovalnica Sava, Insurance Company, d.d.
Sava
Sava is a motor third-party liability insurance for the Slovenia market with online purchase and 24/7 assistance.
Direct payment
The insurer settles justified third-party claims directly with the injured parties and manages claims handling and legal defence on the policyholder's behalf; the policyholder is not entitled to independently acknowledge liability or settle claims.
Geographic scope
Slovenia, EEA/Green Card member states, and other countries
Coverage applies in the Republic of Slovenia and in countries that are signatories to the Agreement between national insurers' bureaux of EEA member states and other associated members (Green Card System); in visited Green Card countries the insurer applies the higher of the policy sum or the destination country's statutory minimum. In all other countries, the insurer's obligation is limited to Slovenia's statutory minimum sums insured.
Unique selling points
- Driving-license legal protection is automatically included in the AO policy at no extra charge.
- Policyholders can freely choose their own repair shop and repair method after a claim.
- Policyholders in premium class 1 with a 50% bonus keep that discount after a first claim and are only moved to class 4 instead of the standard class 14.
- Sava's authorised Quick-Check partner garages assess vehicle damage on the spot and take the car directly in for repair.
- A free 24/7 roadside assistance call centre is available to help drivers and passengers anywhere on the road.
Coverage limits
Bodily Injury Liability
€6,450,000
Covers third-party claims for death, bodily injury, or impaired health caused by the use of the insured vehicle. Art. 9 of the AO 02/16 terms sets the sum insured by reference to the statutory minimum under the Slovenian Motor Insurance Act (ZOZP), which stands at EUR 6,450,000 per claim event regardless of the number of victims since the 2024 statutory increase, and automatically rises if the legal minimum is raised further.
Section: 9. člen – ZAVAROVALNA VSOTA
Dogovorjeni zavarovalni vsoti za škodo zaradi smrti, telesnih poškodb in prizadetega zdravja neke osebe in za škodo zaradi uničenja ali poškodovanja stvari predstavljata zgornjo mejo obveznosti zavarovalnice za vsak posamezni zavarovalni primer, ne glede na število oškodovancev. […] Ob zvišanju zakonsko predpisanih najnižjih zavarovalnih vsot veljajo višje zavarovalne vsote tudi za zavarovalne primere iz veljavnih zavarovalnih pogodb, sklenjenih pred povišanjem zavarovalnih vsot, ki so nastali po uveljavitvi povišanja.
Property Damage Liability
€1,300,000
Covers third-party claims for destruction or damage of property caused by the use of the insured vehicle. The sum insured follows the statutory ZOZP minimum, which has stood at EUR 1,300,000 per claim event regardless of the number of victims since the June 2024 increase.
Section: 9. člen – ZAVAROVALNA VSOTA
Dogovorjeni zavarovalni vsoti za škodo zaradi smrti, telesnih poškodb in prizadetega zdravja neke osebe in za škodo zaradi uničenja ali poškodovanja stvari predstavljata zgornjo mejo obveznosti zavarovalnice za vsak posamezni zavarovalni primer, ne glede na število oškodovancev. […] Ob zvišanju zakonsko predpisanih najnižjih zavarovalnih vsot veljajo višje zavarovalne vsote tudi za zavarovalne primere iz veljavnih zavarovalnih pogodb, sklenjenih pred povišanjem zavarovalnih vsot, ki so nastali po uveljavitvi povišanja.
Legal Defence Costs
unlimited
The insurer investigates and defends the policyholder against unjustified or excessive claims. Litigation costs are reimbursed in full, regardless of the sum insured, when the policyholder litigates with the insurer's consent or is represented by counsel appointed by the insurer; defence costs in criminal proceedings are covered only if the insurer has expressly agreed to the defence counsel and committed to reimbursement.
Green Card
Covered
An international proof-of-insurance certificate automatically valid in Slovenia and all Green Card System signatory countries; not applicable to border insurance for foreign-registered vehicles, for which no international green card can be issued.
Roadside Assistance
Optional
24/7 roadside assistance available as a separately priced add-on (governed by its own general terms, e.g. ASIST-TV 01/18), covering traffic accidents, mechanical breakdown, vandalism, theft, and fuel or key problems for the driver and all passengers of the insured vehicle.
Driver Accident Cover (AO-Plus)
€51,000 – €100,000
Optional add-on (AO-Plus) covering bodily injury and death of the driver of the insured vehicle when the driver is at fault in a traffic accident, a risk not covered by the base AO liability policy. The lowest offered sum insured is EUR 51,000; higher sums (e.g. EUR 75,000 or EUR 100,000) are stated as examples of what can be agreed.
Section: Kaj je zavarovano? > Zavarovanje voznika za škodo zaradi telesnih poškodb
telesne poškodbe in smrt voznika kot povzročitelja prometne nesreče. […] poškodbe voznika vozila, s katerim je bila povzročena škoda;
Passenger Accident Cover
Optional
No limit stated
Passengers travelling in the insured vehicle with the owner's consent are covered as co-insured third parties under the base AO liability policy for claims against the driver. A separate, optional accident insurance additionally covers drivers, passengers, and workers operating motor vehicles for invalidity, death, daily allowance, and hospital-stay benefits, but no specific sum insured for this optional product is stated in available sources.
Section: I. UVODNE DOLOČBE > 4. člen – SOZAVAROVANE OSEBE
S tem zavarovanjem so zavarovane vse osebe, ki imajo po volji lastnika vozila opravek z vozilom (voznik, sprevodnik, spremljevalec ipd.) kot tudi osebe, ki se prevažajo z vozilom po volji njegovega lastnika oziroma uporabnika (sozavarovane osebe).
Key conditions
Territorial scope
Valid in Slovenia and in Green Card System signatory countries (EEA and associated members); in other countries the insurer's obligation is limited to Slovenia's statutory minimum sums insured and applicable Slovenian tort/insurance law. Border insurance for foreign-registered vehicles is valid only in Slovenia, the EEA, and Switzerland, and no international green card can be issued for it.
Green card rules
In Green Card signatory countries, the insurer covers claims up to the higher of the destination country's statutory minimum sum insured or the contractually agreed sum; if the contractual sums are higher than the destination country's minimum, the higher contractual sums apply.
Driver restrictions
A vehicle driven by a driver with fewer than 3 years of driving experience is treated as increased risk requiring a premium surcharge. Insured persons lose their rights under the policy if the driver lacked a valid licence for the vehicle category, had their licence withdrawn or suspended, drove under the influence of alcohol (over 0.50 g/kg blood alcohol or 0.24 mg/l breath alcohol), drugs or psychoactive substances, caused the damage intentionally, drove a technically unroadworthy vehicle, or left the scene without providing identification and insurance details.
Claim notification deadline
The policyholder must notify the insurer of the claim event no later than 3 days from the day they became aware of it.
Bonus-malus rules
Premium is set via 18 premium classes (3-20) as a percentage (45%-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) the following year; each claimed loss moves the policyholder three classes higher (malus), counting up to a maximum of four claims per year. A policyholder may buy out the consequences of a first claim (odkup prve škode) for an additional premium so that one claim in the year is disregarded for reclassification purposes.
Where to buy
Policy specifics
Legal Protection for Driving License
Covers legal defense costs in proceedings for license withdrawal due to traffic accident or violation
SourcePage 1Section: Kaj je zavarovano? > Zavarovanje pravne zaščite vozniškega dovoljenja
Zavarovanje pravne zaščite vozniškega dovoljenja: ✓ stroški zastopanja v postopkih pri zagroženem odvzemu vozniškega dovoljenja ali v primeru prepovedi vožnje, če je postopek posledica prometne nezgode ali prometnega prekrška.
24-Hour Roadside Assistance
Free 24/7 roadside assistance in case of traffic accident, mechanical failure, vandalism, theft, or fuel/key issues
SourceFirst Claim Waiver (Odkup prve škode)
Optional protection against bonus reduction after first claimed loss; allows retention of existing premium class
SourceInsured Vehicle Scope
Coverage extends to towing vehicles (trailers) functionally connected to the main insured motor vehicle
SourceInternational Coverage and Green Card System
Coverage applies in Slovenia and countries signatory to Green Card System (EEA); minimum mandatory limits apply in visited country if higher than policy limits
SourceBonus-Malus Premium Rating System
Annual premium adjustment based on claim history; no claims = 5% bonus (one premium class reduction); one claim = 15% malus (three premium class increase)
SourceDirect Settlement of Third-Party Claims
Insurer pays third-party claims directly to injured parties; policyholder cannot independently admit liability or settle claims
SourceClause 10. členPage 2Section: I. UVODNE DOLOČBE > 10. člen – ZAVAROVANČEVE OBVEZNOSTI
Zavarovanec mora obravnavanje odškodninskih zahtevkov prepustiti zavarovalnici, zaradi česar ni upravičen, da bi zahtevke zavrnil, zlasti pa jih ne sme pripoznati.
Sources
- https://avto.zav-sava.si/sl-si/zavarovanja/vozila/avtomobilsko-zavarovanje/
- https://esklepanje.si/wp-content/uploads/2024/05/SAVA.pdf#page=1
- https://moped.zav-sava.si/inc/htm/sl-si/landing/moped/pogoji/splosni-pogoji-za-zavarovanje-avtomobilske-odgovornosti.pdf#page=1
- https://moped.zav-sava.si/inc/htm/sl-si/landing/moped/pogoji/splosni-pogoji-za-zavarovanje-avtomobilske-odgovornosti.pdf#page=2
- https://www.zav-sava.si/en/zavarovanja-in-asistence/asistence/avtomobilska-asistenca
- https://www.zav-sava.si/en/zavarovanja-in-asistence/zavarovanja/nikoli-sami-v-avtu/avtomobilsko-zavarovanje-za-osebna-vozila