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Insurance requirements

In order to operate in the Croatian airspace, every air carrier or aircraft operator is required to have liability insurance for damages caused to passengers, baggage, cargo and third parties, in accordance with the Regulation (EC) 785/2004 of the European Parliament and of the Council of 21 April 2004 on insurance requirements for air carriers and aircraft operators.
Insurance certificate or any other evidence of insurance shall list all insured risks (third parties, passengers, baggage and cargo) in compliance with the Regulation (EC) 785/2004. Insurance certificate must include statement that it is issued in accordance with Regulation (EC) 785/2004 as stipulated in Zakon o obveznim osiguranjima u prometu (OG 76/13, 75/09, 36/09, 151/05).

The minimum insurance requirements in respect of liability to third parties, passengers, baggage and cargo which must be specified in the insurance certificate or any other evidence of valid insurance are stipulated in Article 6. and 7. of Regulation (EC) 785/2004.

In case of wet lease agreements:
  • Lessor’s certificate of insurance must cover third party’s liability and Lessee must be added as additionally insured on the same certificate
  • Lessee’s certificate of insurance must cover passengers, cargo, mail and baggage and Lessor must be added as additionally insured on the same certificate