DONAU Versicherung AG Vienna Insurance Group
DONAU
DONAU is a motor casco insurance for the Austria market with no online purchase and limited assistance availability.
Direct payment
Repairs carried out at a DONAU partner workshop are invoiced directly between the workshop and DONAU, and come with a reduced deductible.
Geographic scope
Austria (nationwide)
Coverage applies within Europe in the geographical sense; the territorial scope can be contractually extended.
Unique selling points
- Customers can choose from six Casco variants (Comprehensive, Partial, Parking Damage plus three special variants) and select restricted or general deductible levels to fit their needs and budget.
- Repairs at DONAU partner workshops come with a reduced deductible, a pick-up/drop-off service, and direct invoicing between the workshop and DONAU.
- An optional gross-negligence waiver package lets customers keep full Casco benefits even if a claim was caused through simple carelessness, beyond the legal minimum.
- A cooperation with Carglass gives all Casco customers fast windshield repair (around 30 minutes) or replacement (around 2 hours), often with mobile service.
- For cars/estates and trucks up to 1.5 tonnes payload under Comprehensive Casco, replacement parts and paintwork are reimbursed without an age/wear deduction ('new for old').
Coverage limits
Own-damage / accident (collision) cover
Conditional
No limit stated
Only in Vollkasko
Damage to the insured vehicle caused by an accident/collision is covered only under the Comprehensive Casco (Vollkasko) variant; it is explicitly excluded ('Unfallschäden') under Partial Casco (Teilkasko) and Parking Damage Casco (Parkschadenkasko).
Total loss settlement
Covered
No limit stated
If estimated repair costs plus residual value exceed the vehicle's current value, DONAU pays the current value less the residual value (total loss); the same applies if the vehicle is stolen or robbed and not recovered. Applies across Vollkasko, Teilkasko and Parkschadenkasko for the perils each variant covers. No fixed sum insured is stated in the IPIDs; it is set in the individual contract.
Partial damage / repair cost reimbursement
Covered
No limit stated
DONAU reimburses repair costs for covered partial damage to the insured vehicle. Applies across Vollkasko, Teilkasko and Parkschadenkasko for the perils each variant covers; no fixed sum is stated in the IPIDs.
Theft, robbery and unlawful use
Covered
No limit stated
Covers theft, robbery or unauthorized use of the vehicle; DONAU pays the current value if the vehicle is stolen or robbed and not recovered. Included in all three retail variants (Vollkasko, Teilkasko, Parkschadenkasko).
Glass breakage
Covered
No limit stated
Covers breakage of front, side, rear windows or panoramic glass roof. Included in all three retail variants (Vollkasko, Teilkasko, Parkschadenkasko).
Natural hazards
Covered
No limit stated
Covers damage from lightning, rockfall, landslide, avalanche, snow pressure, hail, flood, storm or roof avalanches. Included in all three retail variants (Vollkasko, Teilkasko, Parkschadenkasko).
Parking damage and vandalism
Conditional
No limit stated
Only in Vollkasko, Parkschadenkasko
Covers parking damage or vandalism (malicious acts by third parties unrelated to the operation of the vehicle). Included in Comprehensive Casco (Vollkasko) and Parking Damage Casco (Parkschadenkasko); explicitly excluded under Partial Casco (Teilkasko) unless separately agreed.
Roadside assistance (breakdown help)
No limit stated
Roadside assistance ('Pannenhilfe') is not part of the Casco IPIDs; it is offered as a feature of the DONAU MTPL (Kfz-Haftpflicht) product when the EUR 30 million liability sum is chosen, not as a Casco benefit.
Replacement vehicle
No limit stated
Not addressed as a Casco policy benefit in the IPIDs or reviewed T&C excerpts; DONAU's Vollkasko T&C (1024A) states costs of a replacement car are not reimbursed by the insurer. A courtesy car may be offered informally through partner workshops.
Driver/passenger accident cover
No limit stated
Personal accident cover for driver/passengers is not part of the Casco product; DONAU sells it as a separate Kfz-Unfallversicherung (driver/passenger accident insurance) product.
Key conditions
Driver age and experience limit
No specific driver age or experience restriction is stated in the Casco IPIDs or the reviewed T&C excerpts; age-related surcharges (e.g. for drivers under 23) apply to the separate MTPL policy rather than to Casco.
Repair network requirements
There is no obligation to repair at a specific workshop, but repairs at a DONAU partner workshop qualify for a reduced deductible, and the workshop invoices DONAU directly; prior consent from DONAU is required before repairs begin.
Territorial scope
Coverage applies in Europe in the geographical sense; the scope can be contractually extended.
Anti-theft requirements
No specific anti-theft device is mandated in the reviewed documents, but the gross-negligence waiver (1626K) excludes cases where the vehicle or its keys were not properly safeguarded, and benefits are reduced for undeclared special equipment.
Claim notification deadline
Claims, demands and the initiation of administrative or judicial penal proceedings must be reported to DONAU within one week; in cases of theft, robbery, unauthorized use, fire, explosion, animal collision or an unknown vehicle (parking damage), the nearest police station must be notified immediately.
Deductible rules
Customers can choose between a restricted or a general deductible for Casco cover; a higher deductible reduces the monthly premium. The deductible applies per vehicle and per claim; for damages occurring on the same calendar day, the benefit is capped at the agreed daily maximum amount. Repairing at a DONAU partner workshop qualifies for a reduced deductible.
Documents
General Terms and Conditions - Comprehensive Casco (1024A)
Terms & conditions
General Terms and Conditions - Partial Casco (1022A)
Terms & conditions
General Terms and Conditions - Parking Damage Casco (1023A)
Terms & conditions
Insurance Product Information Document - Comprehensive Casco
IPID
Insurance Product Information Document - Partial Casco
IPID
Insurance Product Information Document - Parking Damage Casco
IPID
Clause 1626K - Gross Negligence Waiver 2025
Other document
Overview page - Motor insurance clauses and terms
Other document
Policy specifics
Glass damage coverage
Coverage for breakage of front, side, rear windows or panoramic glass roof
SourceNatural hazards coverage
Coverage for damages from natural events including lightning, rockfall, avalanche, snow pressure, hail, flood, storm
SourceParking damage and vandalism
Coverage for parking damage or vandalism caused by deliberate acts of third parties
SourceAccident/collision
Coverage for damages from accidents or collisions involving the insured vehicle
SourceDeductible options
Customers can choose between restricted or general deductible for casco coverage; higher deductibles reduce monthly premiums
SourceGross negligence waiver
Optional add-on package that waives the insurer's right to refuse coverage in case of gross negligence by the insured
SourcePartner workshop reduced deductible
When repairs are done at an authorized DONAU partner workshop, a reduced deductible applies
SourceAutomatic premium adjustment
Premium is automatically adjusted at main contract renewal based on motor damage claims price index (Kfz-Sachschäden Index)
SourceSource no longer reachableClaims payment timing
Insurance benefit becomes due after completion of necessary investigations; for partial damage, a receipt must be provided
SourceSource no longer reachableSix casco variants
DONAU offers six different casco insurance variants: Comprehensive Casco, Partial Casco, Parking Damage Casco, and three special variants (Test Drive, Flat Rate/Dealer, Accident)
Source