Reviewed from source documents

Allianz Elementar Versicherungs-Aktiengesellschaft

Allianz

Allianz is a motor casco insurance for the Austria market with online purchase and limited assistance availability.

Last verified Aug 25, 2026Reviewed by: Boleron EUTerms & conditions: 2023-12Underwritten by: Allianz Elementar Versicherungs-Aktiengesellschaft

Online purchase

Direct payment

Claims are usually paid to the policyholder after the necessary investigations are concluded; if the loss is fixed but the amount cannot be determined within one month for reasons the policyholder is not responsible for, reasonable advance payments are made on request.

Geographic scope

Europe (geographic sense), including EU member states' European territories

Cover applies within Europe in the geographic sense; contractual extensions beyond this are possible.

Unique selling points

Vollkasko Bonus-Malus system can reduce the casco premium by up to 10% for claim-free driving, on top of the standard liability discount system.
MAX (Vollkasko) covers damage caused by gross negligence, not just simple fault, which many competitors exclude or restrict.
Leasing vehicles get an included GAP-style leasing resolution value payout on total loss or theft at no extra premium.
Allianz Werkstatt-Service offers a free replacement car for the full repair duration, pickup/drop-off of the vehicle, and a lower deductible when using the roughly 450-strong partner workshop network.
Windscreen replacement via Carglass reduces the agreed deductible by up to EUR 200.

Coverage limits

Own damage (collision) cover

Conditional

Only in MAX

Available only in the MAX (Vollkasko) tier: covers damage to the insured vehicle caused by accident, i.e. a sudden externally-acting mechanical event, including self-inflicted (at-fault) accidents and gross negligence (except theft/burglary). Deductible is either EUR 390 or EUR 600, reduced to EUR 300 if Allianz Werkstatt-Service is selected.

Total loss settlement

Covered

For PLUS, EXTRA and MAX casco contracts: if the vehicle is destroyed, not recovered within one month of loss, or repair cost plus residual value exceeds the replacement value, Allianz pays the replacement value (Wiederbeschaffungswert) for an equivalent vehicle of the same type, quality and wear condition. No fixed monetary cap is stated; the amount is the vehicle's replacement value at the time of loss.

Partial damage settlement

Covered

For PLUS, EXTRA and MAX casco contracts: if no total loss occurs, Allianz pays the repair costs, transport costs for parts, and recovery/towing costs to the nearest suitable workshop, minus any agreed deductible. Old parts (including the wreck) remain the policyholder's property and their common value is deducted.

Theft and robbery

Conditional

Included from the EXTRA (Teilkasko) tier upward (also in PLUS/MAX): covers damage, destruction or loss of the insured vehicle and its parts through theft, robbery, or unauthorised use by persons outside the household/business. On theft, the policyholder is entitled to a replacement vehicle for a maximum of 6 days.

Glass breakage

Conditional

Included from the EXTRA (Teilkasko) tier upward (also in PLUS/MAX) for passenger cars, station wagons and trucks up to 1 tonne payload: covers breakage of windscreen, side and rear windows regardless of cause, but only on a repair basis (no estimate-based/fictional settlement) if the damage is only part of the overall claim. Replacing a damaged windscreen at Carglass reduces the agreed deductible by up to EUR 200 (EUR 100 via Carglass plus up to EUR 100 via Allianz), promotional period 1 Jan–31 Dec 2026.

Natural hazards

Covered

Included in all casco tiers (PLUS, EXTRA, MAX): covers damage, destruction or loss through lightning, rockfall, landslide, avalanche, snow pressure, hail, high water/flooding and storm (wind of more than 60 km/h), including damage from objects thrown onto the vehicle by these forces, as well as fire, explosion, and collision with game animals on public roads.

Vandalism / malicious damage

Conditional

Only in EXTRA, MAX

Included from the EXTRA (Teilkasko) tier upward (also in MAX): covers damage, destruction or loss caused by malicious or mischievous acts of persons outside the household/business, and collisions caused by unknown vehicles while parked.

Roadside assistance (extended)

Covered

Kfz-Assistance (Erweitert) is bundled with the PLUS, EXTRA and MAX casco contracts (basic assistance already comes with the COMFORT liability-only contract) and includes on-site help, towing, mobility assistance and an information service across the European geographic scope, including the EU's non-European territories.

Replacement vehicle

Conditional

In case of theft, policyholders are entitled to a replacement vehicle for a maximum of 6 days. Separately, if the optional Allianz Werkstatt-Service add-on is selected and the vehicle is repaired at an Allianz-selected partner workshop, a free replacement car (passenger-car category) is provided for the entire duration of the repair.

Occupant accident insurance

Covered

PLUS, EXTRA and MAX bundle accident insurance for all occupants (driver and passengers) covering accidents during use, driving, and loading/unloading of the insured vehicle; the COMFORT liability-only contract covers the driver only. No fixed sum insured is disclosed in the public product sheets; the insured sum is stated in the policy certificate.

Key conditions

Driver age and experience limit

low

Repair network requirements

If the optional Allianz Werkstatt-Service is included, the policyholder must have the vehicle repaired at an Allianz-selected partner workshop (around 450 partner workshops nationwide, reachable within about 30 minutes for roughly 90% of the population); using a non-partner workshop for the repair increases the deductible by EUR 400 and forfeits related service benefits such as the free replacement car.

Territorial scope

Cover for Kfz-Haftpflicht, casco (Voll-/Teilkasko) and occupant accident insurance applies within Europe in the geographic sense, and contractual extensions are possible; Kfz-Assistance (Erweitert) applies within Europe in the geographic sense including the European territories of EU member states.

Anti-theft requirements

low

Claim notification deadline

Unverzüglich (without undue delay); Allianz recommends reporting within 24 hours

Deductible rules

For the MAX (Vollkasko) own-damage cover, the policyholder chooses a deductible of EUR 390 or EUR 600 per claim; selecting the optional Allianz Werkstatt-Service reduces this to EUR 300, while repairing outside the Allianz partner workshop network adds a EUR 400 penalty deductible. A separate promotional reduction of up to EUR 200 applies to windscreen deductibles when using Carglass (valid 1 Jan–31 Dec 2026).

Where to buy

Allianz Austria Kfz insurance calculator / online quote

Mein Kfz product page with online calculator

Documents

IPID - Mein Kfz MAX (Vollkaskopaket)

IPID

IPID - Mein Kfz EXTRA (Teilkaskopaket)

IPID

IPID - Mein Kfz COMFORT (Basispaket)

IPID

Mein Kfz - einfach erklärt (terms and conditions, Dec 2023)

Terms & conditions

Vollkaskoversicherung product page

Other document

Teilkaskoversicherung product page

Other document

Allianz Werkstatt-Service page

Other document

Mein Kfz FAQs

Other document

Policy specifics

Kasko Bonus-Malus System

Comprehensive Casco coverage includes own bonus-malus system with savings up to 10% for claim-free periods

Workshop Service Premium Discount

Discounted Casco premium and lower deductible when using Allianz-selected partner workshops for repairs

Old Parts Retention

Policyholder retains ownership of old/replaced parts (including wreckage) after claims settlement

Replacement Value vs. New-for-Old Deduction

Total loss claims paid at replacement value; age and wear deduction applied selectively to parts and paintwork in partial damage claims

Electric Vehicle Battery Coverage

Coverage extends to vehicle traction battery, charging cable (incl. adapter), and portable charger/wallbox owned by policyholder

Glass Damage - Repair vs. Replacement

Breakage damage to glazing covered only on repair basis if damage does not exceed certain portion of total claim

Leasing Resolution Value (GAP) Cover

For leased vehicles insured under MAX, regardless of first registration date, in case of total loss or theft Allianz pays the leasing contract's resolution value (GAP cover), included at no extra cost within the Vollkasko premium.

Gross Negligence Covered

MAX (Vollkasko) reimburses damage caused by grossly negligent behaviour, excluding theft and burglary-theft.

Workshop Selection Condition (Werkstatt-Service)

If Casco product includes Allianz Workshop Service, policyholder must use Allianz-selected partner workshop to avoid penalty deductible

Geographic Coverage - Europe

Coverage applies throughout Europe in the geographic sense and European territories of EU member states

Garage Risk During Vehicle Deregistration

If vehicle is deregistered or plates surrendered, Casco coverage becomes limited to garage risk only (vehicle in garage or parking location)

Casco Requires Existing Base Liability Contract

For the PLUS, EXTRA and MAX packages, the Allianz motor insurance consists of two legally separate contracts: the base contract (Kfz-Haftpflicht, telephone legal advice, basic assistance, driver accident cover) and the chosen casco contract; concluding a casco contract requires the concurrent existence of a base contract with Allianz.

Sources