Obvezno osiguranje odgovornosti za štetu koju vozilom prouzročite trećim osobama, prema zakonu i uvjetima.
AUTO · BONUS · ZAŠTITA BONUSA
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.
PRVO RAZDVOJITE POJMOVE
AO, zaštita bonusa, AO+ i kasko nisu ista stvar
Dodatak koji uređuje kako se stečeni bonus tretira nakon štete. Ne popravlja vaše vozilo i nije zamjena za kasko.
Dodatno pokriće za vozača u određenim situacijama, ovisno o proizvodu. Nije isto što i zaštita bonusa.
Dobrovoljno pokriće štete na vlastitom vozilu prema ugovorenim rizicima, limitima, franšizi i isključenjima.
JAVNO OBJAVLJENA PRAVILA
Select društvo
Prikazujemo samo ono što smo našli na službenim izvorima. Alat ne računa vašu buduću premiju.
PRI OBNOVI PROVJERITE
Pet pitanja koja vrijede neovisno o društvu
01
Koliko štetnih događaja zaštita obuhvaća?
02
Vrijedi li zaštita samo ako policu obnavljate kod istog osiguravatelja?
03
Što se smatra “štetom” za gubitak ili zaštitu bonusa?
04
Primjenjuje li se zaštita samo na AO premiju ili i na druge komponente paketa?
05
Kako se bonus prenosi pri promjeni vozila, vlasnika ili osiguravatelja?
VERIFICIRANI PROIZVODI
Javno potvrđeni bonus-protect zapisi
Ovo nije rang-lista; prikazujemo samo javno potvrđene proizvode i dodatke iz našeg kataloga.
Car insurance27. 9. 2026.
Zaštita CO bonusa 1884
Croatia osiguranje · An optional add-on to compulsory motor insurance that, according to Croatia's public offer, protects the bonus earned after a road accident for which the policyholder is responsible.
Publicly verified
The official Croatia product page publicly lists CO bonus protection 1884 and describes keeping the bonus with the agreed protection.
Car insurance27. 9. 2026.
Zaštita bonusa
Allianz · Allianz surcharge on motor insurance for keeping the bonus earned at renewal after a claim on a policy with the agreed protection.
Publicly verified
The official Allianz Moj auto page publicly describes the bonus protection surcharge and the limit of its application.
Car insurance27. 9. 2026.
Zaštita bonusa
Wiener · Additional cover with Wiener compulsory motor insurance intended to protect the bonus earned after an at-fault road accident, subject to the product terms.
Publicly verified
The official Wiener product page publicly lists the additional cover Bonus protection.
Car insurance27. 9. 2026.
Auto Bonus Protektor
Generali · Additional cover with Generali motor insurance for keeping the bonus earned after a claim event, subject to the terms and the selected package.
Publicly verified
The official Generali motor insurance page publicly lists bonus protection and Auto Bonus Protektor.
Car insurance27. 9. 2026.
Zaštita bonusa
UNIQA · Additional cover with compulsory motor insurance that UNIQA publicly lists as an option for keeping the bonus after a road accident.
Publicly verified
The official UNIQA page on compulsory motor insurance publicly lists Bonus protection among the additional cover options.
Car insurance26. 9. 2026.
Bonus protect
Triglav · An additional motor product that protects the bonus you have earned after an insured claim event, subject to the terms.
Publicly verified
The official Triglav Cars web page publicly lists Bonus protect.
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