DDOR Osiguranje

Name

DDOR Osiguranje

Legal name

DDOR Novi Sad a.d.o.

Website

https://ddor.rs

Company type

Private

Founded year

1944

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

DDOR Osiguranje is a Serbian multi-line insurance carrier (vehicle, property, life, health, agriculture, pension, business) serving 500,000+ clients through 800 branches and digital channels, owned by Italy's Unipol Gruppo since 2012.

Ownership category

akta.pro rank

Headquarters

HQ city

Novi Sad

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Non-Life Insurance Premiums: Primary revenue stream from property and casualty insurance including vehicle (casco/MTPL), travel, property, accident, liability, agricultural, and business insurance. Products include both compulsory (MTPL) and voluntary insurance policies sold as one-time policies or annual contracts.
2. Life Insurance Premiums: Life insurance products including term life, endowment, mixed insurance (life insurance and savings), No Risk (pure endowment with savings component), Safe Profit, Credit insurance, and the 2024 launched 'Insurance for Whole Life' product with social dimension.
3. Voluntary Health Insurance Premiums: Health insurance products under the 'Zdravo da ste' brand offering outpatient and hospital treatment coverage with various packages (Bronze 1, Bronze 2, Silver, Gold) providing coverage ranging from €1,000 to €100,000.
4. Voluntary Pension Fund Contributions: DDOR-Garant voluntary pension fund products (DDOR-GARANT EQUILIBRIO and DDOR-GARANT SAVINGS) generating revenue through member contributions invested in government securities and deposits. Funds accessible upon reaching age 58.
5. Premium Calculator and Online Sales: Digital revenue from online policy sales through webshop with promotional discounts (10% for travel insurance, 20% for property insurance) and upsell opportunities including promo codes for subsequent purchases.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

DDOR Osiguranje is a Serbian insurance company that sells a comprehensive portfolio of insurance and pension products to individuals, families, businesses, residential communities, and agricultural producers. Its offerings include vehicle (Kasko and compulsory MTPL), travel, property (Moja kućica / Moja e-kućica), life, voluntary health (Zdravo da ste), accident, agricultural (crops, fruits, livestock, tractors), business (industrial and utility operations), general and professional liability, residential community, and a voluntary pension fund (DDOR-Garant). Distribution combines 800 physical branches, the moj.ddor.rs webshop, the Moj DDOR mobile app, and the proprietary DDOR TERRA agro-insurance platform.

Product overview

DDOR Osiguranje is a Serbian insurance company with over 80 years of experience, part of the Italian Unipol Group. The company offers a comprehensive portfolio of insurance products organized across multiple categories: vehicle insurance (including Kasko), travel insurance, property insurance (Moja kućica/Moja e-kućica), life insurance (Safe Profit, Mixed, No Risk, Risk, Credit), voluntary health insurance (Zdravo da ste with Bronze/Silver/Gold packages), accident insurance, agricultural insurance (crops, fruits, livestock, tractors), voluntary pension fund (DDOR-Garant), business insurance (industrial and utility services), liability insurance (general and professional), and residential community insurance. The product portfolio also includes a technological platform (DDOR TERRA) for agricultural producers with GIS and satellite capabilities, and a mobile app (Moj DDOR) for customer self-service. The company operates through 800 locations serving 500,000 clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance (Osiguranje vozila) Comprehensive vehicle insurance including Kasko (casco) coverage protecting against collision, theft, natural disasters, vandalism and other risks not covered by compulsory MTPL. For individual vehicle owners and businesses operating vehicle fleets. Loyalty discounts up to 45% apply for 5+ claim-free years.
• Travel Insurance (Putno osiguranje) Travel insurance covering health emergencies abroad, with per-trip pricing based on destination, duration, and traveler demographics. Available to individuals and families, including family and group options. Online discount of 10% available with promo code for 20% off next online travel insurance purchase.
• Property Insurance — Moja kućica / Moja e-kućica Property insurance for houses, apartments, and household contents covering 15+ risks. Unique four-tier package structure (START, SMART, SUPERIOR, PREMIUM) with optional 24/7 Emergency Home Repairs (up to €200 per occurrence, up to €20 materials, up to €500 temporary accommodation, up to 3 incidents per year) delivered via Europ Assistance. Fully digital online purchase available for Moja e-kućica.
• Life Insurance (Životno osiguranje) Life insurance portfolio including Safe Profit (one-time savings), Mixed insurance (life+savings), No Risk (pure endowment with savings component), Risk insurance, Credit insurance, and the 2024-launched 'Insurance for Whole Life' product with social and governance ESG components. Entry age birth to 75, no medical examination required, 9 optional riders, monthly/annual/single premium options.
• Voluntary Health Insurance — Zdravo da ste Voluntary health insurance covering outpatient and hospital treatment costs under the 'Zdravo da ste' brand. Four packages (Bronze 1 basic examination, Bronze 2 with diagnostics, Silver with outpatient treatment including lab, mental health, emergency dental, physical therapy, Gold adding hospital treatment with accommodation, therapy, surgical interventions). Coverage range €1,000 to €100,000; coverage begins 24 hours after policy conclusion with first payment.
• Accident Insurance (Osiguranje od nezgode) Personal accident insurance providing financial protection against injuries and accidents, available as a standalone policy to individuals or as a rider on agricultural and other policies.
• Agricultural Insurance (Osiguranje poljoprivrede) Agricultural insurance covering crops, fruits, livestock, and tractors/agricultural machinery against hail, fire, thunderbolt, windstorm, frost, flood and other natural disasters. Includes compulsory tractor MTPL with engine-power tiered pricing (Codes 401-408) and accident coverage riders.
• Voluntary Pension Fund — DDOR-Garant Voluntary pension fund with two investment options: DDOR-GARANT EQUILIBRIO (moderately conservative) and DDOR-GARANT SAVINGS (highly conservative). Member contributions are invested in government securities and deposits; funds are accessible upon reaching age 58. Designed for individuals planning retirement savings.
• Business Insurance (Osiguranje biznisa) Business insurance for industrial and utility service operations covering property, equipment, inventory, production processes, employees, and third-party liability. Sub-lines cover manufacturing businesses and service businesses, including fire, flood, theft, employee accidents, and third-party liability.
• Liability Insurance (Osiguranje od odgovornosti) General and professional liability insurance covering damages to third parties including death, bodily injury, property damage, and professional indemnity. Sub-lines include public liability, employer liability, product liability, professional indemnity (medical, legal, architects, accountants), and environmental liability.
• Residential Community Insurance (Osiguranje stambene zajednice) Specialized insurance for homeowners' associations covering common areas, structural elements, installations, and residential community liability. Includes Package I (Fire) covering common areas and structural elements, and Package II (Liability) covering third-party claims.
• DDOR TERRA Platform Proprietary technology platform for agricultural producers enabling overview of active insurance policies on smartphone, quick in-field damage reporting, and crop monitoring using GIS models, satellite imagery, and advanced filters for parcel selection with insured crops or fruits. Developed in cooperation with the BioSens Institute.

Quantifiable outcome

• 500,000+ active clients
• +5 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• BioSens InstitutecoreStrategic or Co-development PartnerEuropean leader in agro-technological solutions that collaborated with DDOR to develop the DDOR TERRA platform. The platform uses GIS models and satellite imagery for agricultural insurance risk assessment and damage quantification. This partnership enables DDOR to provide practical support to agricultural sector with precision technology.
• Europ AssistanceminorStrategic or Co-development PartnerGlobal assistance company providing 24/7 Emergency Home Repairs services for DDOR's Moja kućica property insurance. Europ Assistance serves 300 million clients across five continents and handles emergency services including plumbing, locksmith, electrical, and heating repairs.
• Confindustria SerbiaminorOthersItalian-Serbian business association of which DDOR is a member. DDOR received Franco Delneri Award from Confindustria Serbia in 2022 for ESG excellence.
• National Bank of SerbiacoreOthersRegulatory authority overseeing insurance sector. DDOR operates under NBS regulations including requirements for professional indemnity insurance for certain occupations and provides dispute mediation through NBS for customer complaints unresolved at company level.
• EPS (Electric Power Industry of Serbia)minorStrategic or Co-development PartnerSerbian electric power company providing 100% electricity supply from renewable sources (85% of DDOR's total consumption) under the environmental sustainability framework.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Triglav Osiguranje: Serbian operation of Slovenia's Triglav Group. Offers multi-line insurance products in the Serbian market with a similar regional CEE ownership profile and overlapping customer base.
• Dunav Osiguranje: Largest Serbian insurance company and the historical domestic incumbent. Operates a comparable multi-line insurance portfolio (MTPL, Kasko, property, life, health) across Serbia and is DDOR's most direct domestic competitor for the same retail, SMB, and corporate customer base.
• UNIQA Osiguranje: Serbian arm of Austria's UNIQA Insurance Group. Competes head-to-head with DDOR across P&C, life, and health lines in the Serbian market using a similar mix of digital channels and physical distribution.
• Generali Osiguranje Srbija: Serbian subsidiary of Italy's Generali Group. Like DDOR, it is a foreign-owned (Italian) multi-line insurer in Serbia with overlapping P&C, life, and health products, very similar branch-and-broker distribution, and a comparable target customer segment.
• Wiener Städtische Osiguranje (VIG): Serbian subsidiary of Vienna Insurance Group (VIG). A foreign-owned multi-line insurer in Serbia targeting the same retail and corporate segments with comparable P&C and life products, making it a direct competitor for DDOR.

Regional players

• Grawe Osiguranje: Austrian-owned insurance group with Serbian and other Western Balkan operations. Competes in similar life and P&C segments but is more regionally distributed than DDOR's Serbia-focused footprint.
• Euroherc Osiguranje: Croatian insurance company owned by Adriatic Slovenica (later part of regional groups). Operates a comparable multi-line P&C and life portfolio in the Western Balkans, providing regional benchmarking rather than direct Serbian competition.

Broad incumbents

• Unipol Gruppo: DDOR's Italian parent and the leading insurance group in Italy. A broader incumbent operating across multiple European markets; relevant for benchmarking group-level capabilities, capital allocation, and strategic direction that flow down to DDOR.
• AXA Osiguranje: Serbian arm of AXA, one of the world's largest insurance groups. Competes in overlapping segments but as part of a globally diversified portfolio rather than DDOR's domestically focused approach.
• Allianz Srbija: Serbian subsidiary of global insurance giant Allianz. While operating in similar P&C and life segments, Allianz brings broader international scale and product breadth rather than DDOR's localized multi-channel model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ddor_osiguranje
• YouTubeyoutube.com/@DDORNoviSad
• Facebookfacebook.com/ddorns
• LinkedInlinkedin.com/company/ddor-osiguranje
• Instagraminstagram.com/ddor_osiguranje/?hl=en

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DDOR Osiguranje