Sava Motor third-party liability (Avtomobilska Odgovornost Ao)
Underwritten by Zavarovalnica Sava, d.d. · Slovenia
motor third-party liability insurance from Sava for the Slovenia market, with online purchase and 24/7 assistance.
Verified Aug 22, 2026 · Terms dated 2016-11-02Sources
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.
With the optional first-claim buy-back, available in any premium class, your first claim does not move you to a higher premium class.
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
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.
Section: I. UVODNE DOLOČBE > 11. člen – OBVEZNOSTI ZAVAROVALNICE
Stroške pravdnega postopka zavarovalnica povrne, če se je zavarovanec pravdal s soglasjem zavarovalnice, ali če je zavarovanca zastopala oseba, katero je določila zavarovalnica. Ti stroški se povrnejo v celoti, ne glede na višino zavarovalne vsote.
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.
Section: I. UVODNE DOLOČBE > 8. člen - OBMOČJE VELJAVNOSTI ZAVAROVANJA
Za motorna vozila s tujo registracijo, za katera je sklenjeno mejno zavarovanje avtomobilske odgovornosti po teh zavarovalnih pogojih, velja zavarovanje samo na območju Republike Slovenije ter območju držav Evropskega gospodarskega prostora in Švici. ... Mednarodne zelene karte v zvezi s tem zavarovanjem ni mogoče izdati.
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.
Section: Avtomobilska asistenca > Trajanje asistence
Sklenite Avtomobilsko asistenco in si zagotovite 24-urno brezplačno pomoč na cesti ter kritje s tem povezanih stroškov, mi pa bomo poskrbeli, da bodo vse vaše vožnje in avanture še bolj sproščujoča.
Driver Accident Cover (AO-Plus)
€51K – €100K
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
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.
Territorial scope
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.
Documents
AO 02/16 General Terms and Conditions for Motor Third-Party Liability Insurance (opens in a new tab)
Terms & conditions · PDF
IPID VOZ 01/22 - Motor Vehicle Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
Product Folder - Motor Insurance (opens in a new tab)
Table of benefits · PDF
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
SourceSection: Avtomobilsko zavarovanje za osebna vozila > Pomoč na cesti doma in v tujini 24/7
24-urna brezplačna pomoč na cesti v primeru prometne nesreče, mehanske okvare vozila, vandalizma, kraje, poškodovanje vozila ali težav s ključi ali gorivom.
First Claim Waiver (Odkup prve škode)
Optional protection against bonus reduction after first claimed loss; allows retention of existing premium class
SourceSection: Avtomobilsko zavarovanje za osebna vozila > Priključite dodatne storitve
Z odkupom prve škode se lahko zavarujete pred znižanjem bonusa, ki bi se vam zaradi uveljavljanja škode upošteval pri Zavarovanju avtomobilske odgovornosti in/ali Zavarovanju avtomobilskega kaska.
Insured Vehicle Scope
Coverage extends to towing vehicles (trailers) functionally connected to the main insured motor vehicle
SourceClause Art. 1Page 1Section: I. UVODNE DOLOČBE > 1. člen – ZAVAROVANE NEVARNOSTI
Z zavarovanjem je krita tudi škoda, ki jo povzroči priklopno vozilo, dokler je speto z motornim vozilom in potem, ko ločeno od vlečnega vozila učinkuje v funkcionalni povezanosti z njim.
International 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
SourceClause Art. 8Page 2Section: I. UVODNE DOLOČBE > 8. člen - OBMOČJE VELJAVNOSTI ZAVAROVANJA
Zavarovalnica prevzema obveznosti do oškodovanca v državah, ki so podpisnice Sporazuma med nacionalnimi zavarovalnimi biroji držav članic Evropskega gospodarskega prostora in drugih pridruženih članic oziroma držav, podpisnic Splošnih pravil (zelena karta) do višine najnižjih predpisanih zavarovalnih vsot obiskane države, če so te višje od zavarovalnih vsot, dogovorjenih z zavarovalno pogodbo.
Direct 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
- avto.zav-sava.sihttps://avto.zav-sava.si/sl-si/zavarovanja/vozila/avtomobilsko-zavarovanje/(opens in a new tab)
- esklepanje.sihttps://esklepanje.si/wp-content/uploads/2024/05/SAVA.pdf#page=1(opens in a new tab)
- moped.zav-sava.sihttps://moped.zav-sava.si/inc/htm/sl-si/landing/moped/pogoji/splosni-pogoji-za-zavarovanje-avtomobilske-odgovornosti.pdf#page=1(opens in a new tab)
- moped.zav-sava.sihttps://moped.zav-sava.si/inc/htm/sl-si/landing/moped/pogoji/splosni-pogoji-za-zavarovanje-avtomobilske-odgovornosti.pdf#page=2(opens in a new tab)
- zav-sava.sihttps://www.zav-sava.si/en/zavarovanja-in-asistence/asistence/avtomobilska-asistenca(opens in a new tab)
- zav-sava.sihttps://www.zav-sava.si/en/zavarovanja-in-asistence/zavarovanja/nikoli-sami-v-avtu/avtomobilsko-zavarovanje-za-osebna-vozila(opens in a new tab)
Sava Motor third-party liability