Ams Osiguranje
AMS Osiguranje is a Serbian joint-stock insurance company offering motor, property, travel, personal accident, and liability coverage to consumers and small businesses through 250+ sales points and digital channels across Serbia.
- Company typePublic
- Founded1998
- HeadquartersPancevo
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Ams Osiguranje does
AMS Osiguranje a.d.o. is a Serbian joint-stock insurance company headquartered in Belgrade that underwrites a full general-insurance book for consumers and small businesses across Serbia. Its product portfolio spans mandatory auto liability (autoodgovornost), comprehensive Kasko including a budget Kasko Light variant, property coverage (fire, theft, glass breakage, machine breakdown), personal accident insurance, travel health insurance for international trips, and professional and general liability policies for sectors including real estate, law, medicine, and transport. The company operates under a hybrid distribution model, combining a digital-first platform (webshop at webshop.ams.co.rs, online damage-status tracking portal, Viber-based claims reporting, 24/7 toll-free call center) with a physical network of more than 250 sales points across Serbia, event-driven acquisition at the Belgrade Auto Fair, and embedded distribution through Air Serbia boarding-pass QR codes for travel insurance.
The business model is recurring-premium across annual policies for auto liability, Kasko, and property, with monthly payment options for personal accident and per-trip pricing for travel health insurance tiered by geographic risk zones. Product mechanics include a bonus-malus premium system with up to 12 levels for autoodgovornost, standardized European Accident Report processing for cross-border claims, and bundled value-adds such as complimentary AMSS Super membership (towing and roadside assistance) attached to Kasko policies. The mandatory auto liability book is the largest line by regulatory volume in Serbia, and the company participates in the Green Card Bureau to provide cross-border motor coverage recognition.
Corporate governance is evident in 70+ documented shareholder meetings and consistent dividend distributions across fiscal years 2020, 2022, 2023, and 2024, indicating sustained underwriting profitability. Distribution partnerships with AMSS (Auto-Moto Savez Srbije) and Air Serbia are the principal commercial differentiators visible in the input data.
Ams Osiguranje firmographics
Firmographics- Name
- Ams Osiguranje
- Legal name
- "AMS OSIGURANJE" A.D.O.
- Website
- https://ams.co.rs
- Company type
- Public
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- AMS Osiguranje is a Serbian joint-stock insurance company offering motor, property, travel, personal accident, and liability coverage to consumers and small businesses through 250+ sales points and digital channels across Serbia.
- Ownership category
- akta.pro rank
Ams Osiguranje industry classification
Industry- Product category
- Non-life Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Personal Auto Insurance (FSAJAMAA)
- akta.pro secondary industries
- Travel & Accident (Non-Life) Insurance (FSAJAMAN), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Professional Liability (E&O) (FSAJAGAC)
Keywords
Where Ams Osiguranje is headquartered
LocationHeadquarters
- HQ city
- Pancevo
Offices3 records
Markets served
Ams Osiguranje business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Mandatory Motor Vehicle Liability Insurance (Autoodgovornost): Legally required third-party liability insurance for motor vehicle owners in Serbia, mandatory upon vehicle registration. Premiums are calculated using a bonus-malus system based on claims history. Policy duration is one year and is tied to the vehicle, not the owner.
- Voluntary Motor Vehicle Insurance (Kasko): Comprehensive vehicle insurance covering damage from traffic accidents, falling objects, natural disasters, fire, floods, explosions, and theft. Available in Full, Supplementary, and Partial coverage options. Premiums can be paid annually or in 12 monthly installments.
- Property Insurance: Voluntary property insurance covering buildings, possessions, and assets from fire, theft, glass breakage, machine breakdown, and other risks. Includes specialized packages for homeowners, entrepreneurs, and residential communities.
- Travel Health Insurance: Insurance for medical expenses during temporary stays abroad, covering hospitalization, dental treatments up to €200, medical evacuation up to €7,000, and repatriation. Sold individually, family, or tourist packages.
- Personal Accident Insurance: Voluntary accident insurance covering death, permanent disability, temporary incapacity for work, and medical treatment costs. Available for employees, students, household members, and public transport passengers.
- Liability Insurance: Professional liability insurance for various professions including real estate agents, building managers, lawyers, doctors, and carriers. Covers damages to third parties arising from professional activities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Household insurance 'First Risk' starting from 1,800 RSD per year |
| Subscription | Pay-as-you-go | Travel health insurance with geographic risk zones |
| Unit Pricing | Pay-as-you-go | Kasko Light: 100,000 to 500,000 RSD sum insured |
| Subscription | Monthly | Personal accident insurance for various customer segments |
| Other | Other | Passengers in public transport - minimum insured sums |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Ams Osiguranje product offering
Product offeringCore offering
AMS Osiguranje is a Serbian joint-stock insurance company that sells non-life insurance products including mandatory and voluntary motor vehicle insurance (Autoodgovornost and Kasko), travel health insurance, household and building property insurance, personal accident insurance, and liability insurance for professionals. It distributes these policies through more than 250 sales points across Serbia and via digital channels including an online webshop, a call center, Viber-based claims reporting, and an online damage status tracker.
Product overview
AMS Osiguranje a.d.o. is a Serbian insurance company offering a comprehensive portfolio of insurance products and services through a network of over 250 sales locations across Serbia. The product portfolio includes mandatory auto liability insurance (Osiguranje od autoodgovornosti), comprehensive vehicle insurance (Kasko and Kasko Light), travel health insurance (Putno zdravstveno), property insurance (Imovina) covering fire, burglary, glass breakage and business risks, personal accident insurance (Osiguranje lica), and liability insurance (Odgovornost) for general, professional, medical, and transport sectors. The company provides digital services including an online webshop for policy purchases and a damage status checking portal. The offering is distributed through physical branch offices, call center (0800 009 009), email, Viber, and online channels.
Differentiator
Problem solved
Functional benefit
Products and services
- Autoodgovornost (Mandatory Third-Party Motor Liability Insurance)
Quantifiable outcome
- 30% discount on Kasko insurance available at Belgrade Auto Fair events
- +2 more outcomes
Companies that use Ams Osiguranje
Customer profileSegments6 records
Ideal customer profiles6 records
Ams Osiguranje technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Ams Osiguranje partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- AMSS (Auto-moto Savez Srbije)coreAMS Osiguranje maintains a strategic partnership with AMSS (Auto-moto Savez Srbije). With Kasko insurance policies, customers receive the AMSS Super membership card as a gift, providing free towing and roadside assistance services throughout Serbia and Europe for one year. This partnership enhances the value proposition of motor insurance products.
- Air SerbiaminorAMS Osiguranje partnered with Air Serbia to offer travel insurance to airline passengers. QR codes on Air Serbia boarding passes link to AMS Osiguranje's website where customers can purchase travel health insurance at a 30% discount. This provides convenient access to travel insurance at the point of travel planning.
- Green Card Bureau (Biro Zelene Karte)coreAMS Osiguranje operates within the Green Card system for international motor insurance, providing coverage for policyholders traveling to countries requiring Green Card documentation including Russia, Belarus, Ukraine, Moldova, Turkey, Israel, Iran, Macedonia, Albania, BiH, Tunisia, and Morocco.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Ams Osiguranje competitors and assessment
Company assessmentDirect peers
- Triglav Osiguranje: Serbian operation of Triglav Group, a leading Slovenian insurer. Offers motor, property, and personal insurance products in Serbia, competing for the same customer segments as AMS Osiguranje.
- Dunav Osiguranje: The largest Serbian insurance company, offering similar motor liability, Kasko, property, and personal accident insurance. Direct competitor to AMS Osiguranje in the same Serbian market with overlapping product portfolio and distribution approach.
- DDOR Novi Sad: Major Serbian insurance company offering motor, property, and personal insurance products. Historic competitor in the Serbian market with similar product mix and mandatory auto liability focus.
- Generali Osiguranje Srbija: Serbian subsidiary of Generali Group, offering motor liability, Kasko, property, and personal insurance. Competes directly with AMS Osiguranje in Serbian market with the backing of a major European insurance group.
- Milenijum Osiguranje: Serbian insurance company offering motor, property, travel, and personal accident insurance. Competes directly with AMS Osiguranje in the Serbian market with similar product portfolio.
- UNIQA Osiguranje: Serbian subsidiary of UNIQA Insurance Group, offering motor, property, travel, and personal accident insurance. Direct competitor in the Serbian market with similar product portfolio.
- Sava Osiguranje: Serbian insurance company (formerly Sava Tabak) offering motor liability, Kasko, property, and personal insurance products. Direct competitor in the Serbian market with similar target customers.
Broad incumbents
- Vienna Insurance Group (VIG): Austrian-headquartered insurance group with significant presence across CEE including Serbia. Operates through multiple subsidiaries (e.g., Wiener Städtische) competing with AMS Osiguranje in motor and property insurance.
- Allianz Serbia: Serbian subsidiary of global insurance giant Allianz, offering motor, property, and personal insurance. Competes with AMS Osiguranje with broader portfolio and brand recognition backed by global parent.
Regional players
- Wüstenrot osiguranje: Serbian operation of Austrian Wüstenrot Group, focused on property, life, and motor insurance. Comparable to AMS Osiguranje in product mix but with stronger European parent backing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Ams Osiguranje social profiles
Digital presenceAms Osiguranje financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ams Osiguranje leadership team
Management profileNumber of profiles
Profiles1 record
Ams Osiguranje funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ams Osiguranje 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 Ams Osiguranje
What does Ams Osiguranje do?
AMS Osiguranje is a Serbian joint-stock insurance company that sells non-life insurance products including mandatory and voluntary motor vehicle insurance (Autoodgovornost and Kasko), travel health insurance, household and building property insurance, personal accident insurance, and liability insurance for professionals. It distributes these policies through more than 250 sales points across Serbia and via digital channels including an online webshop, a call center, Viber-based claims reporting, and an online damage status tracker.
Is Ams Osiguranje a public or private company?
Ams Osiguranje is a public company. It is classified as public and is currently operating.
When was Ams Osiguranje founded?
Ams Osiguranje was founded in 1998. It employs 101 to 250 people.
Where is Ams Osiguranje based?
Ams Osiguranje is headquartered in Pancevo.
How does Ams Osiguranje make money?
Six revenue lines are on record. Mandatory Motor Vehicle Liability Insurance (Autoodgovornost) is the primary driver. The others are voluntary Motor Vehicle Insurance (Kasko), property Insurance, travel Health Insurance, personal Accident Insurance and liability Insurance.
Who are Ams Osiguranje's main competitors?
Direct peers on record are Triglav Osiguranje, Dunav Osiguranje, DDOR Novi Sad, Generali Osiguranje Srbija, Milenijum Osiguranje, UNIQA Osiguranje and Sava Osiguranje. Broad incumbents are Vienna Insurance Group (VIG) and Allianz Serbia. Wüstenrot osiguranje is listed as a regional player.
Does Ams Osiguranje have an API?
No public API is recorded for Ams Osiguranje.
What industry is Ams Osiguranje in?
Ams Osiguranje's product category is Non-life Insurance. Its primary akta.pro industry code is FSAJAMAA, Personal Auto Insurance, with a secondary code of FSAJAMAN, Travel & Accident (Non-Life) Insurance. Its NAICS code is 52412 and its SIC code is 6331.