PRACTICAL GUIDES
From documents to better comparisons
Practical guides, unbiased comparisons and interactive checklists for policy decisions.
GUIDE OR TOOL?
Read an explanation or work with data now
Guides explain decisions and documents. In Tools you can filter cover, compare products, review a policy or start after a claim.
HIGH-INTENT GUIDES
Four topics where comparisons can mislead
Croatian HZZO supplementary cover, the European Health Insurance Card (EKZO), apartment insurance and bonus protection involve different legal and product rules. We cover them separately with official sources, without rankings.
HZZO or private supplementary health insurance?
Compare HZZO supplementary cover with private policies by price, activation, use and documents — without ranking a 'best' choice.
European Health Insurance Card (EKZO) or private travel insurance?
What the European Health Insurance Card officially provides, and what you must separately check in private travel cover.
Bonus, bonus-malus and bonus protection in car insurance
Compare what insurers publicly state about bonuses after a claim, what bonus protection covers, and how this differs from AO+, casco or roadside assistance.
AO, AO+, casco and assistance: what's the difference?
Interactively distinguish third-party liability, driver protection, damage to your own car and roadside assistance — without recommending a product.
Apartment and private holiday rental insurance
Checklist for private holiday rental hosts: property, contents, guest liability, damage caused by guests and optional cover.
AFTER A CLAIM
Road accident: from the scene to a decision
European accident report, total loss, deadlines, HUO and complaints — connected steps from the scene to the written decision.
Complaint to insurer
A local complaint outline builder, evidence checklist and HANFA's sequence of steps.
Road traffic compensation claim
Three working days for registration, a 60-day decision window and 15 days to respond to a complaint.
Uninsured or unidentified vehicle
Interactive guide to HUO, the Guarantee Fund, casco and special rules for property damage.
European accident report
Checklist for the form, sketch, witnesses, signatures and special steps with foreign plates.
Vehicle total loss
Market value, salvage value, written decision and arithmetic breakdown.
How to review a policy before renewal
Annual renewal is a chance to check changes, limits and actual value.
How to read the IPID
The IPID is a standardized summary of a non-life insurance product, not the only contractual document.
How to compare two quotes
Comparisons are meaningful only with the same scope, limits and deductible.
How a deductible changes your actual costs
A lower premium with a higher deductible can be good or bad depending on the loss scenario.
How to value property for insurance
An accurate value matters because of limits and the risk of underinsurance.
Documents to prepare after a loss
The exact list depends on the incident, but several types of evidence are commonly required.