Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit)
KLV
KLV is a motor casco insurance for the Austria market with no online purchase and limited assistance availability.
Direct payment
The premium is paid according to the contractual agreement annually, semi-annually, quarterly or monthly in advance, e.g. by payment slip or direct debit authorization.
Geographic scope
Austria
Coverage extends to Europe in the geographic sense, and in any case to the territory of the states that signed the agreement between the national insurance bureaus of the EEA member states and other associated states of 30 May 2002; the territorial scope can be extended contractually.
Unique selling points
- Special E-Mobility package covers battery (traction battery) damage, indirect lightning strikes during charging, cyber/hacking attacks, damage from charger operating errors, and theft of the charging cable.
- At KLV-certified partner workshops, the workshop itself absorbs up to EUR 150 of the agreed deductible for claims from EUR 650 and provides a free replacement vehicle where available.
- Long-standing regional partnerships enable especially fast handling of hail damage claims through the 'Dellendrücker' (dent-repair) service.
- The deductible is freely selectable, starting as low as EUR 390.
Coverage limits
Own vehicle damage
Not established from the insurer's documents
The insurer compensates repair costs for partial damage, or the replacement value (Wiederbeschaffungswert) of a vehicle of the same type and condition at the time of the loss in case of total loss; no fixed monetary ceiling is stated, compensation is based on actual value rather than a fixed sum insured.
Total loss
Not established from the insurer's documents
A total loss exists if the vehicle is destroyed, is lost and not recovered within one month of the loss report, or if the estimated repair costs plus residual value exceed the replacement value; the insurer pays the replacement value the policyholder would have had to spend for a vehicle of the same type and condition at the time of the loss.
Partial loss / repair costs
Not established from the insurer's documents
Covers the cost of the completed repair plus necessary simple freight and transport costs for spare parts, and necessary costs of recovery and transport of the vehicle to the nearest suitable workshop; a new-for-old deduction is applied to spare parts and paintwork, but only for tires, battery and paint up to the end of the third year after first registration.
Theft and robbery
Not established from the insurer's documents
Covers damage, destruction or loss caused by theft, robbery or unauthorized use by persons outside the household; a deductible applies. If the vehicle is later recovered, actual recovery costs up to 2% of the replacement value are reimbursed without deduction of the agreed deductible; items not recovered within one month of the loss report become the property of the insurer.
Glass damage
Not established from the insurer's documents
Breakage damage to windshield, side and rear windows, panoramic and sliding glass roofs is covered regardless of cause, for passenger cars, estate cars, minibuses, motorhomes up to 3.5t and trucks up to 1t payload per the T&C/IPID (the marketing brochure states 1.5t payload for this vehicle group). The deductible is waived if the glass is repaired rather than replaced; costs for stickers, vignettes or similar are excluded.
Natural hazards
Not established from the insurer's documents
Covers damage from lightning, rockfall, landslide, avalanche, snow pressure, hail, flooding and storm (wind over 60 km/h), including objects thrown by these forces; under the 'teilweise Selbstbehalt' (partial deductible) clause no deductible applies to these events, while under the 'generell Selbstbehalt' (general deductible) clause the agreed deductible applies. This is distinct from the separate Wild- und KatastrophenKasko product, which caps compensation at EUR 13,000 with a EUR 250 deductible.
Vandalism
Not established from the insurer's documents
Malicious or spiteful acts by persons outside the household are covered as a standard part of Vollkasko (this is optional in Teilkasko); the agreed deductible applies under both the 'teilweise' and 'generell' deductible clauses.
Roadside assistance
Optional
Roadside and accident assistance (breakdown help, towing, recovery, rental car, transport, overnight stay, spare parts shipment, tyre-damage cost reimbursement, etc.) is not part of the Kasko cover itself but is provided under the separately sold 'KLV SofortHelfer Kfz' product, which can be purchased alongside the Kasko policy and is cancellable monthly.
Replacement vehicle
Conditional
A free replacement vehicle is provided during repair at KLV-certified partner workshops, subject to availability; this is not a guaranteed benefit for repairs performed outside the partner network.
Driver/occupant accident cover
Optional
Accident cover for the driver and occupants (death, permanent disability, daily allowance, medical costs) is not included in the Kasko policy itself but is available as the separate 'Fahrzeuginsassen-Unfallversicherung' product, sold with its own IPID and terms.
Key conditions
Driver age and experience limit
No specific minimum driver age or years-of-experience limit is stated in the available documents; coverage requires that the driver holds the driving licence category legally required for the vehicle, both on and off public roads.
Repair network requirements
The policyholder must obtain the insurer's approval before starting repair work. Use of a KLV-certified partner workshop is not mandatory but grants benefits: for Kasko claims from EUR 650, the workshop absorbs up to EUR 150 of the agreed deductible, and a free replacement vehicle is provided where available.
Territorial scope
Coverage applies to Europe in the geographic sense, in any case including the states that signed the 2002 agreement between the national insurance bureaus of the EEA and associated states; the scope can be extended by agreement.
Anti-theft requirements
No specific anti-theft device or alarm system is mandated in the available sources; general coverage of items relies on the vehicle being kept locked ('versperrtes Fahrzeug') for stored or attached parts and contents to be insured.
Claim notification deadline
Claims must generally be reported to the insurer within one week of becoming aware of the loss. Theft, robbery, unauthorized use, fire, explosion, wildlife collision and vandalism must additionally be reported to the nearest police station without delay.
Deductible rules
The deductible is freely selectable starting from EUR 390 and applies per vehicle and per claim as agreed in the policy. At KLV-certified partner workshops, the workshop absorbs up to EUR 150 of the agreed deductible for claims from EUR 650. Under the 'teilweise Selbstbehalt' (partial deductible) clause, the deductible mainly applies to self-caused accident and vandalism damage, while under 'generell Selbstbehalt' (general deductible) it applies to all covered events including natural hazards.
Policy specifics
Self-caused accident damage
Coverage for vehicle damage from accidents caused by the driver (distinguishing feature of Vollkasko vs. Teilkasko)
SourceVandalism coverage
Coverage for malicious damage to the vehicle by third parties (optional in Teilkasko, included in Vollkasko)
SourceGlass damage coverage
Coverage for breakage of windows, windshield, and other glass components without regard to cause (included for PKW, Kombi, Kleinbusse, Wohnmobile, LKW up to 1T payload)
SourceNatural hazard coverage
Coverage for damage from lightning, rockfall, stonefalls, landslides, avalanches, snow pressure, hail, flooding, storms (wind speed >60 km/h)
SourcePersonal items theft coverage
Coverage for loss of personal items through break-in theft up to EUR 1,500
SourceReduced deductible at partner workshops
At KLV-certified partner workshops, the insurer covers up to EUR 150 of the agreed deductible (for claims from EUR 650 onwards)
SourceFree rental car at partner workshops
Free replacement vehicle provided during repair at KLV-certified partner workshops (where available)
SourceRepair approval required
Policyholder must obtain insurer approval before beginning repair work
SourceDeductible options
Not established from the insurer's documents
KLV offers both restricted (eingeschränkt) and unrestricted (generell) deductible variants at EUR 275, EUR 500, or EUR 1,000
SourceThird-party source, not the insurer's documentClaims notification period
Policyholder must report claims within one week; certain events (theft, fire, vandalism, wildlife collision) require immediate police notification
SourceGeographic coverage scope
Coverage applies to incidents occurring in Europe (in the geographic sense); may be extended contractually
Source