Transparency in the Insurance Contract Law of Croatia

  • Loris BelanićEmail author
  • Dionis Jurić
Part of the AIDA Europe Research Series on Insurance Law and Regulation book series (ERSILR, volume 2)


In Croatian insurance contract law, transparency is achieved through three regulations: the Civil Obligations Act, the Insurance Act, and the Consumer Protection Act. The Civil Obligations Act is the fundamental regulation of law of obligations in the Republic of Croatia which, in addition to the provisions on various types of contracts, also regulates the insurance contract. Transparency under the Civil Obligations Act is, as a rule, in one way. It refers to the obligations of the policyholder to notify on the circumstances regarding risk assessment, as well as the duty to report the occurrence of the insured event. A special exception to such a one-way communication (policyholder to insurer) is the insurer’s obligation to notify the policyholder that the insurance terms and conditions are an integral part of the insurance contract and to provide him with them. Any additional duty of the insurer in terms of providing additional clarification of the terms and conditions, advice to the policyholder or the insured are not prescribed by the Civil Obligations Act. Unlike the Civil Obligations Act, transparency in the Insurance Act and the Consumer Protection Act occur in the opposite direction, i.e. from the insurer to the policyholder/consumer. The consequence of this is the adoption of EU legislation into Croatian law. The Insurance Act has taken into account the legal order of the Solvency II Directive, which stipulates, inter alia, the information which the insurer has the duty to provide to the policyholder before the conclusion of the insurance contract as well as the duration of the insurance contract and the right to terminate the contract. The Consumer Protection Act is applied to the insurance contract that is concluded by means of the distance communication. This Act contains, inter alia, provision on the information that the financial services provider (the insurer) has to provide to the policyholder when concluding an insurance contract by means of distance communication.


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Copyright information

© Springer Nature Switzerland AG 2019

Authors and Affiliations

  1. 1.Faculty of LawUniversity of RijekaRijekaCroatia

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