DDOR Novi Sad
DDOR Novi Sad is one of Serbia's largest insurance companies, offering vehicle, property, life, health, travel, agricultural, business, and liability insurance to 500,000+ clients through 800 branches and digital channels as a wholly-owned subsidiary of Italy's Unipol Gruppo.
- Company typePrivate
- Founded1946
- HeadquartersNovi Sad
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What DDOR Novi Sad does
DDOR Novi Sad is one of the largest insurance companies in Serbia, operating through the legal entity DDOR Novi Sad AD, a joint-stock company headquartered at Bulevar Mihajla Pupina 8, Novi Sad. Founded in 1945 and operating for more than 80 years, the company offers a comprehensive multi-line insurance portfolio spanning vehicle (Kasko and mandatory third-party liability), travel, property, life, voluntary health, accident, agricultural, business, and liability insurance, plus a voluntary pension fund product. Since 2012 it has been a wholly-owned subsidiary of Unipol Gruppo S.p.A., one of Italy's leading insurance groups, which underwrites the parent-subsidiary structure and parent-level reinsurance/capital backing. The firm serves roughly 500,000 clients and pays approximately 170,000 claims annually, supported by 1,001–5,000 employees.
Revenue is generated primarily through recurring insurance premiums collected across the product portfolio, with additional revenue from the wholly-owned DDOR RE reinsurance subsidiary and the DDOR Auto brand. Pricing is risk-based and not publicly disclosed; online calculators provide indicative quotes for travel, Kasko, life, health, and property, and a promotional 20% discount has been offered on the newly launched digital property product 'Moja e-kućica'. The company targets two horizontal segments—individual consumers (auto, property, travel, health, life) and business customers (commercial, agricultural, liability)—via a hybrid go-to-market that combines an 800-location physical branch network with a digital stack including the 'Moj DDOR' mobile app (iOS/Android), the WebShop at moj.ddor.rs, the customer portal, and the WebSupport online claims portal.
Operational infrastructure is built on ISO-standardized systems (ISO certifications published on the website), ESG frameworks including a Dual Materiality Assessment and 'Responsible Insurer/Employer/Corporate Citizen' programs, and marketing channels spanning the corporate site, social media (Facebook, Instagram, X, LinkedIn, YouTube), news/press, and industry events such as the June 2026 'Risks of the New Era and Sustainability' conference. Distribution is exclusively domestic (Serbia), with 800 physical sales/service points and growing digital self-service capabilities that together reduce acquisition friction while supporting cross-selling across product lines.
DDOR Novi Sad firmographics
Firmographics- Name
- DDOR Novi Sad
- Legal name
- DDOR Novi Sad AD
- Website
- https://ddor.co.rs
- Company type
- Private
- Founded year
- 1946
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- DDOR Novi Sad is one of Serbia's largest insurance companies, offering vehicle, property, life, health, travel, agricultural, business, and liability insurance to 500,000+ clients through 800 branches and digital channels as a wholly-owned subsidiary of Italy's Unipol Gruppo.
- Ownership category
- akta.pro rank
Where DDOR Novi Sad is headquartered
LocationHeadquarters
- HQ city
- Novi Sad
Offices1 record
Markets served
DDOR Novi Sad business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: DDOR generates revenue primarily through collecting insurance premiums from various insurance products including vehicle insurance (kasko, mandatory auto liability), travel insurance, property insurance, life insurance, voluntary health insurance, accident insurance, agricultural insurance, business insurance, and liability insurance. Premiums are collected as recurring payments (annual, multi-year for some products) or one-time payments depending on product type.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Moja e-kućica property insurance - four package options |
| Other | Annual | Standard insurance products - quote-based pricing |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
DDOR Novi Sad product offering
Product offeringCore offering
DDOR Novi Sad provides a comprehensive portfolio of non-life and life insurance products including vehicle (Kasko and mandatory auto liability), travel, property (home and apartment), life, voluntary health, accident, agricultural, business, and liability insurance for individuals and businesses in Serbia. Distribution operates through 800 physical locations, an online WebShop, the Moj DDOR mobile application, and digital customer tools for quoting and claims filing.
Product overview
DDOR Novi Sad is one of the largest insurance companies in Serbia, part of the Italian Unipol Gruppo S.p.A. The company offers a comprehensive portfolio of insurance products through multiple distribution channels: 800 physical locations, a mobile app (Moj DDOR), an online WebShop, and digital tools. The core product portfolio includes vehicle insurance (with Kasko as a key offering), travel insurance, property insurance (with Moja kućica and Moja e-kućica as branded home products), life insurance, voluntary health insurance (including Zdravo da ste), accident insurance, agricultural insurance, voluntary pension funds, business insurance, and liability insurance. The company has served customers for over 80 years, insuring 500,000 clients and paying 170,000 claims annually.
Differentiator
Problem solved
Functional benefit
Products and services
- Kasko
Quantifiable outcome
- 500,000+ clients served
- +2 more outcomes
Companies that use DDOR Novi Sad
Customer profileSegments2 records
Ideal customer profiles2 records
DDOR Novi Sad technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
DDOR Novi Sad partnerships and signals
Strategic signalScale indicators6 records
Recent moves7 records
Expansion highlights5 records
DDOR Novi Sad competitors and assessment
Company assessmentDirect peers
- Grawe Osiguranje (Serbia): Serbian arm of Austria's GRAWE Group. Active in P&C and life insurance in Serbia, overlapping with DDOR's product portfolio and customer segments in the regional retail market.
- Triglav Osiguranje (Serbia): Serbian arm of Slovenia's Triglav Group, offering P&C and life insurance. Overlaps with DDOR's product set and customer base in the Serbian retail and SME segments.
- Dunav Osiguranje AD: Historically dominant Serbian insurer and one of the four major players listed alongside DDOR. Offers a comparable multi-line insurance portfolio (motor, property, life, health) and competes in the same distribution channels across Serbia.
- UNIQA Osiguranje (Serbia): Serbian subsidiary of Austrian UNIQA Insurance Group. Competes with DDOR in P&C and life insurance, serving similar retail and SME customer segments via a multi-channel model.
- Wiener Stadtische Osiguranje AD (Vienna Insurance Group Serbia): Direct competitor in Serbia, owned by Vienna Insurance Group (VIG). Competes head-to-head with DDOR in motor, property, and life insurance, with a similarly broad multi-line portfolio and similar branch-based distribution model.
- Generali Osiguranje Srbija AD: One of the top-four Serbian insurers, owned by Generali Group. Competes directly with DDOR across P&C and life lines, offering comparable product breadth and leveraging Generali's global brand and reinsurance capacity.
Broad incumbents
- Allianz Serbia (Allianz Srbija): Serbian operation of global insurance giant Allianz. Competes with DDOR across P&C and life/health lines, bringing deeper capital and global product capabilities as part of a much broader insurance portfolio.
- Unipol Gruppo S.p.A. Italian parent of DDOR and one of Italy's leading insurance groups. Comparable at the insurance-carrier level across P&C and life, but operates at vastly larger scale and primarily in Italy rather than Serbia.
Others
- DDOR Auto: Wholly-owned subsidiary of DDOR focused on auto insurance distribution/services. Sister brand targeting DDOR's core motor line via a specialized channel; comparable product niche but operates as a captive distribution vehicle.
- DDOR RE: Wholly-owned reinsurance subsidiary of DDOR Novi Sad. Adjacent rather than competing: provides reinsurance capacity to DDOR and external cedents, comparable in category (reinsurance) but not in customer-facing distribution.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
DDOR Novi Sad social profiles
Digital presenceDDOR Novi Sad financial estimates
Financial estimateRevenue estimate
Valuation estimate
DDOR Novi Sad leadership team
Management profileNumber of profiles
DDOR Novi Sad subsidiaries and ownership
Company hierarchySubsidiaries2 records
DDOR Novi Sad funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DDOR Novi Sad 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 DDOR Novi Sad
What does DDOR Novi Sad do?
DDOR Novi Sad provides a comprehensive portfolio of non-life and life insurance products including vehicle (Kasko and mandatory auto liability), travel, property (home and apartment), life, voluntary health, accident, agricultural, business, and liability insurance for individuals and businesses in Serbia. Distribution operates through 800 physical locations, an online WebShop, the Moj DDOR mobile application, and digital customer tools for quoting and claims filing.
Is DDOR Novi Sad a public or private company?
DDOR Novi Sad is a private company. It is classified as corporate owned and is currently operating.
When was DDOR Novi Sad founded?
DDOR Novi Sad was founded in 1946. It employs 1,001 to 5,000 people.
Where is DDOR Novi Sad based?
DDOR Novi Sad is headquartered in Novi Sad.
How does DDOR Novi Sad make money?
One revenue line is on record: insurance Premiums.
Who are DDOR Novi Sad's main competitors?
Direct peers on record are Grawe Osiguranje (Serbia), Triglav Osiguranje (Serbia), Dunav Osiguranje AD, UNIQA Osiguranje (Serbia), Wiener Stadtische Osiguranje AD (Vienna Insurance Group Serbia) and Generali Osiguranje Srbija AD. Broad incumbents are Allianz Serbia (Allianz Srbija) and Unipol Gruppo S.p.A.. Others are DDOR Auto and DDOR RE.
Does DDOR Novi Sad have an API?
No public API is recorded for DDOR Novi Sad.