Frequently asked questions
As a new driver, I would like to know after how many years do I get the 50% bonus and about the bonus scale year by year.
If there are no damages to the vehicle, you reach the 50% bonus in 9 (nine) years. The table for each year of insurance goes as it follows and the premium/bonus is reduced for the following percentage in the case there were no damages.
Does my mandatory insurance policy cover a car accident caused by me in Russia?
Yes, it does and since 1st January, 2009, i.e. since the day the Russian Association of Motor Insurers (RAMI) got accepted as a member into the Green Card insurance system.
Is the insurer obliged to issue the European Motor Accident Report with the insurance policy (which I get every year) or do I have to ask for it myself?
The insurer is obliged to issue the European Motor Accident Report with the insurance policy according the Mandatory Auto Insurance Law (Zakon o obveznim osiguranjima).
Does the basic insurance cover the damaged caused by natural disasters, for example, hailstorm?
Mandatory car insurance covers only the damages which you, as a driver, user, or the owner of the vehicle caused. This protects your financial and material status.
If, after a car accident with a vehicle with Croatian of foreign registration, there were no injured parties, neither a large material damage, should we call the police in order to claim the insurance money?
If a car accident occurred with a vehicle with Croatian registration and the police was not called, both the parties should definitely fill out and sign the European Motor Accident Report.
If a member of the household (for example, the mother or the father) has signed a car insurance policy with you, do I get any discount if I (the son) insure my vehicle at your company?
According to the Terms of mandatory auto insurance, when acquiring another vehicle, only the owner who already owns the car can get a lower premium.
Last year I had a 150% malus, so I would like to know about my malus this year.
If in the previous period you did not have any damages, your malus will amount to 130%, and if you caused damages, your malus will amount to 210%.
I am buying a business vehicle from a person with hull car insurance. Can the hull insurance be carried over to me?
If the hull insurance for the vehicle has been paid for in full and there were no reported damages, the insurance can be carried onto you until the insurance period expires.