Claims - Professional assistance related to claims

Professional assistance services in resolving claims:

  • Damage report
  • Monitoring of the claim resolution process
  • Coordination of the collection of documentation for the completion of the claim
  • Collection of documentation from competent institutions
  • Communication and meetings with insurers and / or assessors (experts, doctors, censors)
  • Lodging complaints to insurance companies in case of unfounded decisions on dismissal or decisions on partial liquidation
  • Preparation of reports on the history of claims and the current status of open claims on a quarterly basis
  • Online tools on the MY ANO portal
Claims - Professional assistance related to claims

Knowledge and experience of ANO brokers that can help you?

Example 1

A week ago, I damaged the insured vehicle when I came out of a parking lot and hit a traffic sign that was on my right. I received information from the insurer’s contact centre that I was obliged to report the occurrence of the insured event to the insurer within three days of the date on which the harmful event occurred, in reference to the clause on loss of rights from the insurance policy, as determined in the contract. Have I really lost any rights from the insurance contract, i.e. the right to insurance, by missing the three-day deadline?

The clause on loss of rights in insurance contracts, according to which the insured loses rights from the insurance contract if they do not report the occurrence of the insured event to the insurer within three days, is in direct contradiction to the provision of Art. 941 of the Obligatory Relations Act. Namely, the article prescribes that the insured is obliged to inform the insurer of the occurrence of an insured event within three days. If they do not fulfil this obligation within the prescribed time, they are obliged to compensate the insurer for the damages they would have suffered (for example, damages due to failure to take timely measures to reduce damages, resulting in increased damages, reduced effect of relief measures, etc.). Therefore, the insurer cannot be relieved of the obligation to pay the insurance by invoking the insured's failure to notify them of the occurrence of the damage. The Supreme Court of the Republic of Croatia has repeatedly ruled in favour of such a position, and lower courts follow that ruling.

Example 2

Our company regularly takes out a collective accident insurance policy for workers, given that workers are potentially exposed to injuries at work while performing their work-related daily activities. Does a collective accident insurance policy provide sufficient protection to an employer?

An employee accident insurance policy (due to death due to accident / permanent disability due to accident / death due to illness / serious illness) only protects the interests of employees but not the potential liability of the employer for their own employees’ death, or injury to their health or body, where the sources of the risk are possession of certain substance, a specific legal relationship, or a certain property as a source of danger. Therefore, it is necessary for the employer to consider the option of taking out an employers’ liability insurance policy, which covers any employer liability for damages to an employee’s property caused by destruction or damage and by death, injury to an employee’s health or body, where the sources of the risk are possession of property, legal relationship or a certain property as a source of danger. As a rule, a policy is signed in accordance with the assessment of the maximum possible damage under the relevant insurance policy and the standard insurance amounts signed by companies of a similar profile. The premium depends on the number of employees in the company.

Security is a priority,
not an option

Winter equipment

Colder days are coming soon, and with or without snow, we still have to abide by the "Road Traffic Safety Act".

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Trade credit insurance

By insuring receivables, a company is protected from the risk of non-payment, whether it is caused by a customer’s bankruptcy (loss of receivables due to a pre-bankruptcy settlement is included) or a customer’s diminished financial situation which may lead to extended payment delays.

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Claims - Professional assistance related to claims

You have taken out an insurance policy with an ANO broker or with an insurer directly, but you feel uncertainty or need professional help with the collection of the claims incurred. ANO’s team of experts is at the disposal of all policy holders, regardless of whether they are our clients or not.

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Examples of savings with wider policy coverage with ANO brokers

Take a look at cases in which we have reduced insurance premiums for our clients while providing the same or greater coverage and find out which options they were offered.

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Work process

We are very committed to our work, so we have developed a uniform work process. Do you prefer visual explanations? Do you want to know all the details? Check out the set-up of the ANO broker's work process by clicking on the link below.

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frequently asked questions

What is the first step? Am I paying anything extra?

Working with an insurance broker sounds great, but you still have doubts. See our "Frequently Asked Questions" section. We believe that you will find all the necessary answers and get the desire to at least have a coffee with us.

frequently asked questions


Why choose ANO?

You know that there are many insurance brokers in the market. What sets ANO apart from others and why choose us? We like to say we are different and we are proud of that. Our team consists of dedicated and professional people who always work in your interest. We provide a broader picture of the risks you are exposed to in business and offer the best solutions that will save you time and money.

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