DATA TRANSPARENCY
Sources and methodology
The portal separates regulatory facts, publicly verified products, aggregate market data and our practical categories. We do not copy competitors' databases or use hidden scores.
1. Who is listed
The core list, Croatian company identifiers (OIB), registered offices and licensed classes come from HANFA's public registers of Croatia-based insurers and branches of insurers from other EU states. As of 26. 9. 2026. that is 14 insurers and four branches, 18 locally registered entities in total.
2. What a registered insurance class means
A registered class describes the regulated activities of an insurer. Categories such as car, home and travel are our editorial groupings of official classes; they do not guarantee that a specific package or coverage exists.
3. How the product catalogue is built
We list a product only after finding its current name or a public offer on an official website or in official documents. Each record includes a source and verification date. We do not copy personalized calculator prices or guess missing policy terms.
4. How comparisons are built
The comparison has two separate layers. The first shows registered insurance classes from regulatory records. The second shows only products verified in our catalogue. Neither rates an insurer's quality, price or suitability.
5. Market data
The insurance market page uses cumulative figures from the latest available HANFA monthly report. The period, publication date and source appear on the page; these figures are not a full-year forecast.
6. Legal limits of the portal
The portal does not sell policies, collect personalized quote details, send leads to insurers or recommend contracts. Article 399 of Croatia's Insurance Act (Zakon o osiguranju) includes online comparisons in distribution activities where the customer can directly or indirectly conclude a contract through a website or other medium. Our flow is therefore limited to information, checking public sources and practical questions.
7. EU insurers without a Croatian branch
HANFA maintains a separate register of notifications from insurers in other EU member states providing cross-border services. We do not mix them with locally registered insurers and branches.
8. Corrections and editorial independence
Insurers cannot pay for a better position in the directory, comparisons or tool results. If you find incorrect or outdated information, send the record's URL and primary source to the corrections page. Corrections are based on evidence, not commercial relationships.
9. Consumer rights
We provide a separate consumer-rights guide, based on Croatia's Zakon o osiguranju and official HANFA/HUO sources.