The Aperlena Verdict
Open raceNo supplier dominates: 4 different companies have won the last 4 comparable contracts from this buyer over 5 years. This is a genuinely open race.
Based on 4 comparable awards by this buyer in this sector over 5 years. Every verdict is recorded before the outcome and graded against the award notice. How we score ourselves.
Summary
Machine-generated summaryThe contracting authority in Croatia is procuring public and professional liability insurance services. The scope covers these insurance services in accordance with the detailed description, the types and quantities set out in the Description of the Procurement Subject, the Price Schedule and the procurement documentation.
Description
Terms of the procedure
- How tenders are scored
- Cijena ponude: 70 points; Iznos integralne franšize za osiguranje od profesionalne odgovornosti: 30 points
- Small firms
- The buyer marks this procedure as suitable for small and medium-sized firms.
- Tenders go to
- eojn.hr/tender-eo/103080
As the official notice states them.
Bid or no-bid?
Six questions before you commit a team. Under each one, what the register holds on it. The answers are yours.
Can I bid?
- Open procedure: any interested supplier may submit a bid. Above the EU threshold: open to companies from any EU country.
- The notice is written in Croatian.
- Certificates from another EU country? Check the equivalents on eCertis
Official source
Source: TED - Tenders Electronic Daily (Publications Office of the EU)
Always verify details on the official notice.
Report an error in this notice
Last verified against TED - Tenders Electronic Daily (Publications Office of the EU) 2 days ago
Expected award price
- likely award for this notice, from its published estimate of €730,000
- €569,400 to €722,700
Comparable awards in this country and sector came in at a median of 93% of their published estimate, half of them between 78% and 99%, based on 36 awards of the last 3 years.
Each award is compared with the estimate of the same lots, framework agreements excluded. A published estimate may include options and renewals, so an award under it is not always a discount.
What this buyer has paid before
Based on 4 comparable contracts this buyer awarded in this sector over the last 4 years.
- This notice
- €730,000
- Median award
- €1.3M
- Middle half of past awards
- €758,890 to €1.9M
The estimate is smaller than three in four past awards.
Most recent awards
- Hrvatska - Usluge zdravstvenog osiguranja - Usluga dodatnog zdravstvenog osiguranja €1,832,208
- Hrvatska - Osigurateljne usluge - Usluge osiguranja pošiljaka i imovine €828,800
- Hrvatska - Osigurateljne usluge - Usluge osiguranja od automobilske odgovornosti i automobilskog kaska €1,904,332
- Hrvatska - Usluge osiguranja od nezgode i usluge zdravstvenog osiguranja - Usluge osiguranja od nezgode i odgovornosti €549,161
Award values as published by the official sources. Use them as a guide, not a rule: scope, lots and duration differ between contracts.
The buyer
Full buyer profileHP - Hrvatska pošta d.d.
- notices in the register
- 140
- awards
- 68
- awarded in total
- €82.8M
Who wins its contracts
Many suppliers- different companies won its awards
- 36
- of the awards went to the three most frequent winners
- 26%
- of its calls state an estimated value
- 100%
Based on 54 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.
Competition
- tenders per lot on average (open and restricted procedures)
- 2.0
- of those lots received a single tender
- 42%
- of the awards went to companies based in another country
- 2%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
One dot per award, on the day it was signed, sized by its value. A ring is an award with no published value.
Who usually wins this buyer's contracts in this sector
| Company | Wins | Total awarded | Last win |
|---|---|---|---|
| CROATIA osiguranje d.d. | 1 | €1.9M | Oct 2025 |
| Wiener osiguranje Vienna Insurance Group d.d. | 1 | €1.8M | Jan 2026 |
| CROATIA osiguranje d.d.; TRIGLAV OSIGURANJE d. d. | 1 | €828,800 | Jul 2025 |
| TRIGLAV OSIGURANJE d. d. | 1 | €549,161 | Oct 2025 |
Based on 4 awards with a linked company profile over the last 5 years.
6 open tenders right now
- Advertising services - Advertising services in the media 6 days left
- Motor vehicles - Procurement of thermal vehicles via financial leasing - Group 2. Light semi-trailer truck and medium semi-trailer truck 12 days left
- Motor vehicles - Procurement of thermal vehicles through financial leasing 12 days left
Market context
Larger than 61% of the open notices in Financial & insurance services across Europe.
- open now in Financial & insurance services
- 2,230
- median open notice
- €486,000
Who wins in this market
Moderately concentratedCroatia · Financial & insurance services
- different companies won awards here
- 44
- of the awards went to the three most frequent winners
- 63%
- buyers awarded contracts here
- 72
Based on 230 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.
Competition
- tenders per lot on average (open and restricted procedures)
- 2.6
- of those lots received a single tender
- 27%
- of the awards went to companies based in another country
- 1%
- of the tenders came from another country
- 1%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
Similar tenders
Open now
5
days left
€550,000
est. value
29
days left
€217,000
est. value
Open elsewhere in Europe
Matched by meaning across languages, from the notices' own words: the same kind of contract, open now in another country.
Awarded before
Never miss a tender like this
9 new notices in Financial & insurance services in Croatia in the last 7 days. Get an email when new ones appear. Free.
Set up my alertOr follow just its CPV code, Professional liability insurance services: an email when new tenders arrive under it, no account needed.