GARANTA Versicherungs-AG Österreich (Austrian branch of GARANTA Versicherungs-AG, Nürnberg, Germany)
GARANTA
GARANTA is a motor casco insurance for the Austria market with no online purchase and limited assistance availability.
Direct payment
Before repairs begin, the policyholder must obtain the insurer's consent by contacting the GARANTA Service Center; reimbursement of repair costs and the deductible settlement process require this prior contact.
Geographic scope
Europe (geographical sense)
Coverage applies in Europe in the geographical sense; the territorial scope can be contractually extended.
Unique selling points
- Offers 5 additional super-bonus levels (S1-S5), reaching a premium as low as 30% of the base premium, beyond the market-standard floor of 50%.
- Special equipment up to €2,000 is automatically co-insured premium-free, without extra charge.
- Elektro-Plus add-on provides all-risk battery damage cover up to €10,000 in disposal costs for EVs and plug-in hybrids, including misuse damage.
- Policyholders can halve their glass-damage deductible, with no deductible at all for windshield repairs (as opposed to replacement).
- A trust bonus allows internal reclassification by up to 3 bonus/malus levels without waiting for the standard annual review.
Coverage limits
Own damage (accidents)
Covered
Covers damage to the insured vehicle caused by accidents; the insurer reimburses repair costs, reduced by the agreed deductible.
Total loss
Covered
If estimated repair costs plus residual value exceed the vehicle's current value (total loss), the insurer pays the current value of the vehicle minus the residual value; the same applies if the vehicle is stolen/robbed and not recovered.
Partial loss / repair costs
Covered
The insurer reimburses repair costs for partial damage from insured events, subject to the agreed deductible; prior notification to the GARANTA Service Center before repairs is required.
Theft / robbery
Covered
Covers theft, robbery, or unauthorized use of the vehicle by non-operator persons, as well as embezzlement or misappropriation; if the vehicle is not recovered, the insurer pays its current value.
Glass damage
Covered
Covers breakage damage to all glass parts and the entire plastic glazing of the vehicle; the deductible for glass damage claims can optionally be halved, with no deductible for windshield repairs (not replacement).
Natural hazards
Covered
Covers damage from lightning strike, rockfall, landslide, mudflow, avalanches, snow pressure, hail, high water, flooding, storm, roof avalanches, and falling icicles/ice formations from buildings.
Vandalism
Covered
Covers malicious and willful acts by persons not operating the vehicle (vandalism), as well as collision of the parked/stationary vehicle with an unknown vehicle (parking damage).
Roadside assistance
No limit stated
Not stated as part of the base Vollkasko product in the reviewed sources; free pick-up/drop-off service is mentioned only for the separate TopMobil tariff.
Replacement vehicle
No limit stated
Not part of the base Vollkasko product per the reviewed sources; a free replacement car is mentioned only for the separate TopMobil tariff.
Driver accident cover
No limit stated
Not part of the base Vollkasko; personal accident cover is a separate product, offered exclusively to TopMobil customers.
Key conditions
Driver age and experience limit
No specific driver age or experience limit is stated for the Vollkasko product itself in the reviewed sources; note that the internal 'trust bonus' reclassification does not apply to drivers aged 70 or older.
Repair network requirements
Before repairs begin, the policyholder must obtain the insurer's consent and contact the GARANTA Service Center; the deductible range applies to repairs carried out at authorized repair shops.
Territorial scope
Coverage applies in Europe in the geographical sense; the scope can be contractually extended.
Anti-theft requirements
No specific anti-theft device requirement is stated in the reviewed sources.
Claim notification deadline
Damages, claims, and the initiation of administrative or judicial penal proceedings must be reported to the insurer within 1 week; in cases of theft, robbery, unauthorized use, fire, explosion, or wildlife damage, the nearest police station must be notified immediately.
Deductible rules
A comprehensive choice of deductibles from €350 to €2,050 is available for repairs at authorized repair shops; the insurer's benefit is reduced by the agreed deductible, and proportionally if the vehicle's declared value was too low; the deductible for glass damage claims can optionally be halved.
Documents
Kfz-Vollkasko-Versicherung für PKW - IPID
IPID
TopMobil coverage overview & terms & conditions (PDF collection)
Other document
Versicherungsbedingungen Kraftfahrzeug-Vollkaskoversicherung (T&C, downloadable from product page)
Terms & conditions
Deckungsübersicht PKW (coverage summary table, downloadable from product page)
Table of benefits
Policy specifics
Electric vehicle battery coverage
All-risk coverage for battery damage up to €10,000 disposal costs, including damage from misuse
SourceBonus-Malus classification system
5 additional super-bonus levels (S1-S5) offering 30% base premium discount at S5, plus trust bonus for internal reclassification up to 3 levels
SourceDeductible range for repairs
Comprehensive choice of deductibles from €350 to €2,050 for repairs at authorized repair shops
SourcePre-repair notification requirement
Mandatory prior contact with GARANTA Service Center before starting repairs to confirm coverage and arrange inspection if needed
Source