Winter equipment

Dear users of Ano services,

colder days are coming soon, with or without snowflakes, we still have to abide by the "Road Safety Act on All Roads".

Therefore, we would like to inform you that the date is approaching when the law requires winter equipment on vehicles on winter sections of public roads, and in winter conditions according to the Road Safety Act on all roads.

Winter equipment is primarily important for the safety of all road users, but we draw your attention to the fact that by not complying with the provisions on protective measures, you can jeopardize the exercise of rights under the contract of motor hull insurance.

In Croatia, winter equipment is mandatory on winter sections of public roads from November 15th this year to April 15th next year. Mandatory use of winter equipment refers to all types of motor vehicles regardless of weather conditions and road condition, except for vehicles of the Armed Forces of the Republic of Croatia, according to the decision on mandatory use of winter equipment on winter sections of public roads in Croatia.

Winter equipment

According to Article 104 of the new Ordinance on technical conditions of vehicles in road traffic (OG 85/2016), under winter equipment of motor vehicles of categories M and N whose maximum permissible mass does not exceed 3.5 tons, we mean:

  1. four winter tires (M + S) or
  2. four summer tiers with a minimum tread depth of 4 mm and with snow chains fitted to the drive wheels.

In addition to changing tires, do not forget that from  November 1st to March 31st, in accordance with Article 102 of the Road Traffic Safety Act (OG 70/2019), daytime running lights or dipped headlights must be switched on on motor vehicles while driving during the day. Motorcyclists, on the other hand, know that they must have their headlights on all year round to ride their motorcycles

Decision on mandatory use of winter equipment

Map of winter sections where winter equipment is mandatory

Winter conditions

We wish you a pleasant and safe ride!

Your ANO insurance brokers

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".

find out more

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.

find out more

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.

find out more

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.

find out more

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.

find out more

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.

more about ANO brokers