HDI Versicherung AG

Driver age and experience limit

No additional deductible applies specifically because a claim was caused by a young/novice driver (Junglenker) — a favourable condition rather than a restriction.

Section: Kfz-Kaskoversicherung Highlights > Vorteile des HDI Tarifs

kein Selbstbehalt für Junglenker

Repair network requirements

Repairs are not mandatorily restricted to a specific workshop, but HDI cooperates with a network of over 250 partner workshops across Austria where Kasko policyholders save half of their contractual deductible plus 11% on service and maintenance.

Section: Vorteile im HDI Werkstattnetz

über 250 Partnerwerkstätten

Territorial scope

Cover applies to insured events occurring in Europe in the geographic sense, on land and water, and at least in the states that signed the 30 May 2002 multilateral agreement between national insurance bureaus.

Section: Art. 3 Wo gilt die Versicherung?

Der Versicherungsschutz erstreckt sich auf Europa im geographischen Sinn, zu Lande und zu Wasser, jedenfalls aber auf das Gebiet jener Staaten, die das Übereinkommen ... vom 30. Mai 2002 ... unterzeichnet haben

Anti-theft requirements

No mandatory anti-theft device (e.g. immobiliser or alarm) is specified as a condition of cover; the applicable duties instead concern lawful use of the vehicle, the driver holding a valid licence, and the driver not being impaired by alcohol or drugs.

Section: Art. 7 Was ist vor bzw. nach Eintritt des Versicherungsfalles zu beachten? (Obliegenheiten)

dass der Lenker in jedem Fall die kraftfahrrechtliche Berechtigung besitzt ... dass sich der Lenker nicht in einem durch Alkohol oder Suchtgift beeinträchtigten Zustand befindet

Claim notification deadline

The insured event, any claims raised against the policyholder, and the initiation of related administrative or court proceedings must be notified to HDI in writing within one week of becoming aware of them; theft, robbery, fire, explosion, animal collision and roof-avalanche/icicle damage must additionally be reported to the nearest police station without delay.

Section: Art. 7 Was ist vor bzw. nach Eintritt des Versicherungsfalles zu beachten? (Obliegenheiten)

dem Versicherer längstens innerhalb einer Woche ab Kenntnis ... den Versicherungsfall unter möglichst genauer Angabe des Sachverhaltes ... in geschriebener Form mitzuteilen

Deductible rules

A deductible applies per vehicle and per insured event in the agreed amount (e.g. EUR 650 or EUR 400 variants) and is deducted from compensation; it does not apply if a windscreen/side/rear window repair (resin-fill method) is carried out instead of replacement, and no additional deductible is charged for claims caused by young/novice drivers. Within the EU-Teilkasko tariff, an 'eingeschränkt' (restricted) variant waives the deductible for most named perils while a 'generell' (general) variant applies it to nearly all covered events; glass and light-lens breakage carry their own fixed EUR 400/EUR 200 deductibles regardless of variant.

Section: Art. 8 Was gilt im Fall einer Selbstbeteiligung?

Eine Selbstbeteiligung gilt für jedes Fahrzeug und für jeden Versicherungsfall mit dem jeweils vereinbarten Betrag.

Indirect Lightning Damage Coverage

Coverage for damage caused by indirect effects of lightning strikes is included at no additional premium for combustion engine and hybrid vehicles in all Casco variants

Gross Negligence Coverage Extension

Mandatory extension at no additional cost covering damage caused by gross negligence (grobe Fahrlässigkeit) in all EU Casco variants (Vollkasko and Teilkasko)

Leasing Clause Coverage Extension

Optional coverage extension available for leased vehicles covering replacement value exceeding standard Wiederbeschaffungswert; requires 20% annual net premium surcharge and policy linkage (Vinkulierung) to leasing company

Workshop Network Deductible Savings

HDI cooperates with over 250 partner workshops across Austria where Casco policyholders save 50% of their contractual deductible (Selbstbehalt)

Extended Bonus-Malus Scale

HDI offers an extended bonus-malus scale counting down to 'minus 7' stages for claim-free driving, exceeding the common market scale

Optional E-Packet for Electric and Hybrid Vehicles

Additional optional coverage package available for electric and hybrid vehicles with attractive supplementary benefits

Optional KaskoPLUS Package

Additional optional coverage package (KaskoPLUS) with attractive supplementary benefits available depending on vehicle type and powertrain

Vandalism Coverage

Teilkasko always includes mandatory coverage for malicious/spiteful acts by strangers (vandalism), also included in Vollkasko, subject to the applicable deductible.

Section: Kfz-Kaskoversicherung Highlights > Deckungserweiterungen

Teilkasko versichert immer mut- oder böswillige Handlungen Fremder – Vandalismus.

Total Loss Replacement Value Coverage

Vehicle can be repaired up to 100% of the replacement value, provided the repair cost does not exceed the replacement value.

Section: Kfz-Kaskoversicherung Highlights > Vorteile des HDI Tarifs

Reparatur bis 100% des Wiederbeschaffungswertes, sofern die Reparatur den Wiederbeschaffungswert nicht übersteigt

Parking Damage Coverage

Collision of the parked or stationary vehicle with an unknown vehicle is covered, with a deductible of EUR 650 or EUR 400 depending on the selected variant; police notification is required.

Section: Deckungsumfang > EU-Teilkasko

*Kollision des geparkten oder haltenden Fahrzeuges mit einem unbekannten Fahrzeug – Parkschadenversicherung

Workshop Network and Repair Deductible Savings

Cooperation with over 250 partner workshops across Austria; Casco policyholders save 50% of the contractual deductible and get 11% off service/maintenance costs, plus a free loaner car and glass-specialist advantages.

Section: Vorteile im HDI Werkstattnetz

kostenloser Leihwagen ... 11% Werkstattnetz-Rabatt ... über 250 Partnerwerkstätten

Young Driver Deductible Exception

No additional deductible applies in case of a loss caused by a young/novice driver (Junglenker).

Section: Kfz-Kaskoversicherung Highlights > Vorteile des HDI Tarifs

kein Selbstbehalt für Junglenker

Special Equipment (Sonderausstattung) Coverage

Special equipment is co-insured premium-free up to EUR 10,000; equipment worth EUR 4,000 or more must be individually declared on the application. Beyond this, a fixed surcharge of EUR 5.55 applies per additional EUR 400 of value. Undeclared special equipment carries a first-risk buffer of EUR 1,000; later-acquired special/technical equipment has a EUR 2,000 buffer; vehicle accessories are co-insured on a first-risk basis up to EUR 1,000 without declaration.

Section: EXTRAS für EU-Teilkasko! > 2. Sonderausstattung

Sonderausstattung ist bis zu € 10.000,- prämienfrei mitversichert; ab einem Wert von € 4.000,- muss diese am Antrag detailliert angegeben werden.

Interim Large-Loss Cover (Großschadendeckung)

For the period between taking over a claim-free vehicle and its Kasko inspection (maximum 14 days), HDI provides interim cover in the form of a Großschadenkaskoversicherung matching the applied-for Kasko variant, subject to a general deductible of EUR 1,000 per event and a maximum liability sum of EUR 100,000 per vehicle.

Section: Kfz-Kaskoversicherung Highlights > Großschadendeckung

Die Höchsthaftungssumme pro Fahrzeug ist mit € 100.000,- beschränkt.

Trailer/Roof-Rack Related Damage

Damage to the moving vehicle caused by a towed trailer, roof rack, or roof-rack cargo is covered up to a maximum of EUR 2,000 under Vollkasko; the EU-Teilkasko tariff table marks this peril as not insured under Teilkasko.

Section: Deckungsumfang > EU-Teilkasko

Ersatz des Schadens an dem in Bewegung befindlichen Fahrzeug verursacht durch gezogene Anhänger, oder durch Dachträger oder durch am Dachträger befördertes Gut mit einer max. Entschädigungsleistung von € 2.000,- ... nicht versichert (Teilkasko)

Young Driver No Additional Surcharge

No additional deductible (Selbstbehalt) is charged for claims caused by young/novice drivers (Junglenker)

Flexible Deductible Structure

Deductible (Selbstbehalt) can be agreed generally (for all events) or only for specific damage events; applies per vehicle and per insured event

Garage Risk Premium Reduction

When vehicle license plates and registration certificate are deposited (minimum 45 days), Casco coverage is restricted to garage risk (only events while vehicle is stored); significant premium reduction applies

Claims Settlement Timeframe

Insurer must determine coverage and settlement amount within one month of claim notification; if determination is delayed due to policyholder-caused reasons, reasonable advance payments must be made

Claim Notification Requirement

Insured must notify HDI in writing of insured events, claims raised against them, and administrative/court proceedings within one week of becoming aware; certain events (theft, robbery, fire, explosion, animal collision, roof avalanche/icicle damage) must additionally be reported to nearest police station without delay

European Geographic Coverage

Insurance coverage extends to insured events occurring in Europe in the geographic sense, as specified in the policy conditions.

Section: Wo bin ich versichert?

Der Versicherungsschutz erstreckt sich auf in Europa im geografischen Sinn eintretende Versicherungsfälle.

Vehicle Inspection Requirement

All vehicles for which Kasko cover is requested are generally subject to a mandatory inspection. Exemptions apply to never-registered new vehicles, day-registrations (max. 10 km mileage), dealer-purchased used vehicles up to 12 months old with a purchase contract, and vehicles with an at-least-equivalent prior Kasko policy. Inspections are free of charge and take place at an HDI location or any ÖAMTC branch nationwide.

Section: Besichtigungsrichtlinie Kfz-Kaskoversicherung

Alle Kraftfahrzeuge, für die bei HDI um Kaskodeckung angesucht wird, sind grundsätzlich besichtigungspflichtig.

Bonus-Malus No-Claims System

No downgrading of the bonus-malus classification occurs during the contract term, even in the event of a claim.

Section: Kfz-Kaskoversicherung Highlights > Vorteile des HDI Tarifs

keine Rückstufung im Schadenfall

Statutory Withdrawal Period

The policyholder can withdraw from the insurance contract within 14 days without stating reasons; this right lapses at the latest one month after receipt of the policy document including withdrawal instructions.

Section: ANHANG (Stand 2019) > Versicherungsvertragsgesetz (VersVG)

Der Versicherungsnehmer kann vom Versicherungsvertrag innerhalb von 14 Tagen, bei Lebensversicherungen innerhalb von 30 Tagen, ohne Angabe von Gründen zurücktreten.

Claims Prescription Period

Claims from the insurance contract are subject to a three-year prescription period; for third parties unaware of their right, the prescription period is ten years.

Section: Art. 9 Wann und unter welchen Voraussetzungen wird die Versicherungsleistung ausbezahlt und wann verjährt sie?

Für die Verjährung gilt § 12 VersVG.