Hrvatska osiguravajuća
- Company typePrivate
- Founded2001
- HeadquartersZagreb, Croatia
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
Hrvatska osiguravajuća firmographics
Firmographics- Name
- Hrvatska osiguravajuća
- Legal name
- Hrvatska osiguravajuća kuća dioničko društvo za osiguranje
- Website
- https://hok-osiguranje.hr
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where Hrvatska osiguravajuća is headquartered
LocationHeadquarters
- HQ city
- Zagreb
- HQ country
- Croatia
- HQ region
- Europe
Offices2 records
Markets served
Hrvatska osiguravajuća business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Non-life Insurance Premiums: Revenue generated from insurance premiums across all non-life insurance categories including motor (auto third-party liability, kasko), property, liability, travel health, personal accident, and transport insurance. Premiums are typically recurring annual policies with potential for add-on coverage upgrades.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Kasko Start - Basic partial coverage for vehicles aged 4-15 years |
| Subscription | Annual | Kasko Pro - Comprehensive coverage for unpredictable risks |
| Subscription | Annual | Kasko Forte - Full coverage with higher deductibles |
| Subscription | Pay-as-you-go | Travel Health Insurance Packages A, B, C |
| Subscription | Annual | AO Plus - Driver protection in case of fault |
| Subscription | Annual | Moj Dom (My Home) Insurance Tiers |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Hrvatska osiguravajuća product offering
Product offeringCore offering
HOK Osiguranje is a Croatian non-life insurance company authorized by HANFA to underwrite all categories of non-life insurance. It sells motor insurance (mandatory third-party liability, kasko, motorcycle and tractor coverage), property insurance (Moj Dom, HOK Apartman), personal accident, travel health, general and professional liability, and transport/marine insurance. Policies are distributed through a national branch network, a toll-free phone channel, the HOK digital web platform, and iOS/Android mobile applications, with 24/7 claims reporting and roadside/home assistance services.
Product overview
HOK Osiguranje (Hrvatska osiguravajuća kuća) is a Croatian non-life insurance company offering a comprehensive portfolio of insurance products and services. The core offerings include motor insurance products (Autoodgovornost, Kasko, motorcycle and tractor insurance), property insurance (Moj dom, HOK Apartman, home assistance), personal accident and health insurance, travel insurance, liability insurance (general and professional including lawyers' liability), and transport insurance. The company operates through its HOK digital platform enabling fully digital policy management, claims reporting, and insurance purchases via web and mobile applications. Special products include HOK Express for roadside assistance and HOK kućna asistencija for home emergency services. The company also serves the Italian market through HOK Italia.
Differentiator
Problem solved
Functional benefit
Brands
- HOK digital: Fully digital insurance platform offering auto liability, comprehensive vehicle insurance, personal insurance, property insurance, health insurance, travel health insurance, HOK express, transport insurance, liability insurance, and damage reporting through a mobile application and web portal.
- HOK Express
Products and services
- Autoodgovornost (Motor Third Party Liability Insurance) Mandatory motor third-party liability insurance covering damages the insured vehicle causes to third parties; legally required for all vehicle owners in Croatia.
- Kasko osiguranje (Casco Insurance) Comprehensive voluntary vehicle insurance covering damage from traffic accidents, theft, natural disasters, glass breakage, with sub-tiers Kasko Start, Kasko Pro, and Kasko Forte for vehicles aged 4-15 years.
- Obvezno osiguranje motora (Mandatory Motorcycle Insurance) Mandatory third-party liability insurance for motorcycle riders covering damages to other vehicles and third parties, with optional HOK MOTO roadside assistance add-on.
- Obvezno osiguranje traktora (Mandatory Tractor Insurance) Mandatory third-party liability insurance for tractor owners covering damages caused to other vehicles or third parties, with options for driver/passenger accident coverage and bonus protection.
- Odvjetnička odgovornost (Lawyers' Professional Liability Insurance) Professional liability insurance for lawyers covering risks arising from professional errors in the execution of their duties; the company's founding product line.
- Osiguranje imovine (Property Insurance) Property insurance covering fire, earthquake, burglary, glass breakage, household contents, machinery breakdown, buildings under construction, and tailored packages including Moj Dom and HOK Apartman.
- Osiguranje osoba (Personal Accident Insurance) Personal accident insurance covering death, permanent disability, temporary work incapacity, and medical treatment costs from accidents, available to individuals, employees, households, vehicle occupants, and sports organization members.
- Putno zdravstveno osiguranje (Travel Health Insurance) Travel health insurance covering medical costs, hospitalization, repatriation, and assistance services abroad with three tiered packages (A: EUR 15,000 medical, B: EUR 20,000, C: EUR 50,000) and additional benefits such as dental, legal aid, baggage return, and flight delay coverage.
- Osiguranje od odgovornosti (General and Professional Liability Insurance) General and professional liability insurance covering civil non-contractual liability and professional contractual liability for lawyers, notaries, auditors, property managers, physicians, dentists, pharmacists, bankruptcy administrators, and insurance intermediaries.
- Transportna osiguranja (Transport Insurance) Marine and transport insurance including vessel owner liability, boat/yacht casco, cargo insurance, and carrier liability coverage for road, sea, and air transport operations.
- HOK digital (Digital Insurance Platform) Digital self-service insurance platform enabling policy purchase, management, claims reporting, and customer self-service for all HOK insurance products via web and iOS/Android mobile applications.
Companies that use Hrvatska osiguravajuća
Customer profileSegments6 records
Ideal customer profiles3 records
Hrvatska osiguravajuća technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Hrvatska osiguravajuća partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- AFES Italia S.r.l.minorThird-party claims administrator for HOK Osiguranje's Italian policies issued until March 13, 2019. Located at Via Alessandria 112, 00198 Rome, Italy. Handles claims management for legacy Italian motor insurance policies.
- Zagrebačka banka d.d.minorBanking partner for HOK Osiguranje's IBAN account (HR7323600001101386914). Provides standard banking services for insurance operations.
Scale indicators5 records
Recent moves4 records
Hrvatska osiguravajuća competitors and assessment
Company assessmentBroad incumbents
- UNIQA osiguranje: Austrian-headquartered UNIQA's Croatian unit offering non-life and life insurance. Comparable multi-line non-life competitor with similar product breadth and digital distribution ambitions.
- Wiener osiguranje: Vienna Insurance Group's Croatian entity providing non-life and life products. Comparable as a foreign-group-affiliated full-line insurer competing for the same Croatian retail and SME customers.
- Generali osiguranje: Generali Group's Croatian operation offering non-life and life insurance products. Overlaps with HOK across motor, property, travel health, and personal accident lines within the same regulatory environment.
- Grawe Hrvatska: Austrian GRAWE Group's Croatian operation offering non-life and life insurance products. Comparable multi-line carrier competing for the same Croatian individual and SME segments.
- Triglav osiguranje: Slovenian Triglav Group's Croatian subsidiary underwriting non-life insurance including motor, property, and liability. Regional incumbent with overlapping product set and similar Eastern-Central European underwriting footprint.
- Allianz Hrvatska: Croatian subsidiary of Allianz Group, one of the largest non-life (and life) insurers in Croatia with full product breadth and global reinsurance backing. Competes with HOK across motor, property, and liability lines at scale.
Direct peers
- Euroherc osiguranje: Croatian non-life insurer with a focus on motor and property lines, also operating branches across Croatia. Closely comparable as a domestic non-life carrier of similar mid-market scale to HOK.
- Croatia Osiguranje: The largest Croatian insurance company, offering a full suite of non-life and life products across motor, property, travel, and liability lines. Directly comparable as a domestic multi-line non-life carrier competing for the same Croatian customers.
Regional players
- Adriatic Slovenica: Slovenian non-life and life insurer with historical regional presence across former Yugoslav markets. Comparable non-life product portfolio and Adriatic-region underwriting focus, though primarily Slovenia-based.
- Erste osiguranje: Croatian non-life insurer (historically Globus) affiliated with Erste Group banking distribution. Comparable non-life carrier leveraging bank-assurance distribution within the same Croatian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Hrvatska osiguravajuća social profiles
Digital presenceHrvatska osiguravajuća financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hrvatska osiguravajuća leadership team
Management profileNumber of profiles
Profiles5 records
Hrvatska osiguravajuća funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hrvatska osiguravajuća M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hrvatska osiguravajuća
What does Hrvatska osiguravajuća do?
HOK Osiguranje is a Croatian non-life insurance company authorized by HANFA to underwrite all categories of non-life insurance. It sells motor insurance (mandatory third-party liability, kasko, motorcycle and tractor coverage), property insurance (Moj Dom, HOK Apartman), personal accident, travel health, general and professional liability, and transport/marine insurance. Policies are distributed through a national branch network, a toll-free phone channel, the HOK digital web platform, and iOS/Android mobile applications, with 24/7 claims reporting and roadside/home assistance services.
Is Hrvatska osiguravajuća a public or private company?
Hrvatska osiguravajuća is a private company. It is classified as unknown and is currently operating.
When was Hrvatska osiguravajuća founded?
Hrvatska osiguravajuća was founded in 2001. It employs 101 to 250 people.
Where is Hrvatska osiguravajuća based?
Hrvatska osiguravajuća is headquartered in Zagreb, Croatia, in the Europe region.
How does Hrvatska osiguravajuća make money?
One revenue line is on record: non-life Insurance Premiums.
Who are Hrvatska osiguravajuća's main competitors?
Broad incumbents on record are UNIQA osiguranje, Wiener osiguranje, Generali osiguranje, Grawe Hrvatska, Triglav osiguranje and Allianz Hrvatska. Direct peers are Euroherc osiguranje and Croatia Osiguranje. Regional players are Adriatic Slovenica and Erste osiguranje.
Does Hrvatska osiguravajuća have an API?
No public API is recorded for Hrvatska osiguravajuća.