MuKi Mutual Insurance Association (MuKi Versicherungsverein auf Gegenseitigkeit)

Driver age and experience limit

Drivers under 23 years of age who cause a self-inflicted, indemnifiable accident face an additional surcharge of €500 on top of the contractually agreed deductible under comprehensive cover (Vollkasko); this does not apply to L17 driving-school trips or approved L-practice drives, and does not apply to trucks/motorhomes used commercially (clause KS2 2018). The driver must pay this amount directly to the settling body.

Repair network requirements

There is no obligation to use a specific repair-shop network; the policyholder may generally choose the workshop, and muki markets prompt claims handling 'at the workshop of your choice'. However, the insurer is entitled to give instructions on selecting a suitable repair workshop, and before starting repairs or otherwise disposing of the damaged vehicle, the policyholder must obtain the insurer's consent where reasonably possible. Reduced deductibles for glass replacement apply specifically when using Carglass® Austria.

Territorial scope

Cover extends, unless otherwise agreed, to Europe in the geographical sense and in any case to the territories of the states that signed the 30 May 2002 Green Card Agreement between the national insurance bureaus of the EEA member states and other associated states, including Mediterranean countries. Cover is not interrupted during sea transport if loading points are within scope; it ends once loading is completed if the destination is outside scope.

Anti-theft requirements

The AKKB/ATKB terms do not specify a mandatory anti-theft device as a precondition for theft cover. For claims involving theft, robbery, unauthorised use, or vandalism, the policyholder must report the incident to the nearest police station without delay, on the day of becoming aware of it, and attach the police report confirmation to the claim notification.

Claim notification deadline

The policyholder must contribute to establishing the facts and, within one week at the latest of becoming aware, notify the insurer in writing of the claim and of any related administrative or court proceedings. For losses caused by fire/explosion, theft, robbery, unauthorised use, animals, vandalism, or unknown-vehicle collision while parked, a police report must additionally be filed without delay (on the day of becoming aware) and its confirmation attached to the claim notification.

Deductible rules

A deductible applies per vehicle and per claim in the amount agreed and stated in the policy's coverage summary. If stolen/robbed items on which the insurer had acquired ownership are recovered and sold, the deductible taken into account in the settlement is refunded up to the sale proceeds achieved. An increased deductible of €1,800 applies during initial underwriting until an inspection report is received for vehicles older than six months (clause KESB 2024), and a €500 surcharge applies for at-fault claims caused by drivers under 23 (clause KS2 2018). The Fifty-Fifty/Bonus package (only available with a €320 or €480 deductible) reduces the deductible by 50% for Carglass® windscreen replacement and spot-repair.

GAP Insurance (Guaranteed Asset Protection)

Optional coverage only available in combination with a Kasko contract for leasing or credit-financed vehicles. Covers the difference between the vehicle replacement value and the lease/loan settlement value in case of total loss.

New Value Compensation (Neuwertentschädigung)

Optional coverage that provides compensation at new value in case of total loss, not just actual cash value. Available for non-leased vehicles.

Fifty-Fifty Package (Zusatzpaket)

Optional add-on package for full and partial coverage that reduces self-deductible by 50% for windscreen replacement via Carglass and for spot repair (small damage repair method). Also includes expanded coverage for personal items in case of theft.

Battery and Charging Cable Coverage (Electric/Hybrid Vehicles)

Coverage for accumulators (batteries) and manufacturer-supplied charging cables of electric and hybrid vehicles against damage or loss. Maximum insurance sum of €10,000.

Young Driver Surcharge (Age 23 and Under)

Drivers under age 23 who cause a self-inflicted accident face an additional surcharge of €500 on top of the contractually agreed self-deductible in comprehensive coverage (does not apply to L17 or L-driving practice sessions).

Vehicle Inspection Requirement

All vehicles older than six months (from first registration) are subject to mandatory inspection by ÖAMTC, ARBÖ, or authorized inspection agency. Insurer covers inspection costs. During initial application processing, elevated self-deductible of €1,800 applies until inspection report is received.

Vehicle Age Restriction

Partial coverage (Teilkasko) is available for vehicles from completion of the 12th registration year onwards. Comprehensive coverage (Vollkasko) is available for vehicles from completion of the 6th registration year onwards.

Mandatory Liability Insurance Requirement

Comprehensive or Partial Kasko coverage can only be taken out in combination with Kfz-Haftpflicht Standard or Premium liability insurance.

Premium Guarantee (No Downgrading)

The insured is not downgraded to a lower premium class in the event of a claim. Premium stability is guaranteed even after a covered loss.