muki Casco (own-damage car insurance) (Kfz Kasko Exklusiv)
Underwritten by muki Versicherungsverein auf Gegenseitigkeit · Austria
casco (own-damage car insurance) from muki for the Austria market, with online purchase.
Verified Aug 26, 2026 · Terms dated 2018-03-15
Unique selling points
Premium guarantee – no downgrade in premium class after a claim, unlike standard bonus/malus practice.
Windscreen replacement at muki partner workshops cuts the deductible by EUR 100; with the optional Bonus package by EUR 200 (EUR 100 at any workshop).
No increased deductible for L17 driving-school trips or supervised practice drives.
Free choice of repair workshop with prompt claims handling 'at the workshop of your trust'.
Special equipment covered premium-free up to €2,500 (Pkw/Kombi/Lkw ≤1.5t, motorhomes ≤3.5t private use).
Coverage limits
Own damage / collision cover (Kollisionskasko)
Conditional
Covers sudden damage to the vehicle caused by an accident, i.e. a sudden external event acting on the vehicle with mechanical force (collision), regardless of fault. Braking damage, operational damage (e.g. tyre wear) and pure breakage damage, as well as consequential damage, are not covered. This benefit is only part of comprehensive cover (Vollkasko/AKKB) and is not included in partial cover (Teilkasko/ATKB).
Total loss settlement
Covered
If the vehicle is destroyed, lost and not recovered within one month, or if repair costs plus residual value exceed the replacement value (economic total loss), the insurer pays the replacement value (Wiederbeschaffungswert) for an equivalent vehicle in the same condition, less any agreed deductible and less any wreck/residual value. Recovery costs incurred if the vehicle is found within one month are reimbursed up to 2% of the replacement value without deduction of the deductible.
Partial loss settlement
Covered
Covers the cost of repair plus simple freight/transport costs for spare parts, and the necessary recovery and towing costs to the nearest suitable workshop (up to €2,000 per event, of which €200 for towing costs; subsidiary to any other existing cover). Compensation for repairs is paid only once the vehicle has been properly repaired. Betterment, wear-repairs, diminished value, loss of use and cost of a replacement vehicle are excluded.
Theft, robbery and unauthorised use
Covered
Covers total theft, theft of parts, robbery and unauthorised use by persons outside the company/household; a police report confirmation must be attached to the claim notification. Personal items stolen from the locked vehicle by forced entry are covered up to €1,000 per event (of which max. €500 for electronic/technical devices), excluding cash over €150, bank/credit cards, vehicle documents, vouchers, valuables, jewellery, watches, securities and keys; this sub-limit can be increased to €2,500 (uncapped for electronics within that sum) with the optional Fifty-Fifty/Bonus package. Coverage details (e.g. deductible amounts and sub-limits) vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.
Glass breakage cover
Covered
For cars, estate cars and trucks up to 1 tonne payload, breakage damage to windscreen, side and rear windows, and panoramic glass/sliding sunroof is covered regardless of cause, as are headlights, taillights, fog lights, indicator lenses and exterior mirrors (incl. housing). Costs for toll stickers/vignettes are excluded. An agreed deductible does not apply if the glass is repaired without replacement. With the optional Fifty-Fifty/Bonus package, the deductible for windscreen replacement is reduced by €100 (any workshop) or €200 (Carglass®), and headlight/small-glass breakage up to €500 is covered without deductible. Coverage details vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.
Natural hazards cover
Covered
Covers direct impact of lightning, rockfall, landslide, avalanches, snow pressure, hail, mudslides, high water, flooding, and storm (wind over 60 km/h), including damage from objects thrown onto/against the vehicle by these forces (but not damage due to driver behaviour caused by these forces). Also covers roof avalanches (snow falling from buildings) and falling icicles/ice formations. Coverage details vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.
Vandalism cover
Covered
Covers malicious or wanton acts committed by persons outside the company/household (vandalism); a police report confirmation must be attached to the claim notification. Coverage details vary between the Standard and Premium Kasko tariffs, as shown in muki's KDÜ coverage-overview table.
Recovery and towing cost cover
Optional
Covers the necessary costs of recovering and transporting the vehicle to the nearest workshop capable of carrying out the repair, up to €2,000 per event, of which €200 is earmarked for towing costs; this cover is subsidiary to any other existing insurance cover for these costs. This is a cost-reimbursement benefit within the Kasko policy, distinct from muki's separately marketed 24h emergency-assistance service (muki 24h-Nothilfe, ASK conditions, optional add-on).
Replacement vehicle / loss of use
Excluded
Loss of use and the cost of a replacement vehicle (Ersatzwagen) are explicitly excluded from the Kasko settlement. A rental car during vehicle downtime may only be available through muki's separate, optionally purchased 24h emergency-assistance service (ASK), which is not part of the standard Kasko benefits described in the AKKB/ATKB.
Key conditions
Driver age and experience limit
muki does not accept policyholders under 21 (also not as second registration holder) or over 81. 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.
SourceSection: Kfz-Kaskoversicherung – Voll- & Teilkasko > Annahmerichtlinien > Annahmerichtlinien für junge Versicherungsnehmer
Keine Annahme von jugendlichen Lenkern unter 21 Jahren (vollendetes 21. Lebensjahr = 21. Geburtstag), auch nicht als 2. Zulassungsbesitzer ... Versicherungsnehmer über 81 Jahre
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.
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.
Direct payment
Compensation for partial damage is paid only once the vehicle has been properly repaired; there is no entitlement to a cash settlement in lieu of repair, except when the damaged vehicle is sold, in which case reimbursement is limited to the objective diminution in value. For total loss, the insurer pays the replacement value (Wiederbeschaffungswert) less deductible and any salvage/wreck value.
Territorial scope
Coverage extends, unless otherwise agreed, to Europe in the geographical sense, and in any case to the territory of the states that signed the 30 May 2002 agreement between the national insurance bureaus of the EEA member states and other associated states (Green Card Agreement); Mediterranean countries bordering the sea are also included.
Documents
KK01 – General Terms for Comprehensive Motor Casco Insurance (AKKB), version 03/2018, effective 15.03.2018 (opens in a new tab)
Terms & conditions · PDF
TK01 – General Terms for Partial Motor Casco Insurance (ATKB), version 01.2026 (opens in a new tab)
Terms & conditions · PDF
IPID Kfz-Kasko – Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
KDÜ Kasko coverage overview table (Pkw/Kombi/Lkw ≤1.5t/motorhomes ≤3.5t) (opens in a new tab)
Table of benefits · PDF
Kfz clause directory (Fassung 04/2019) – Fifty-Fifty package, E-Paket, GAP/new-value clauses (opens in a new tab)
Other document · PDF
Kfz clause directory (Fassung 03/2018) – KS2 young-driver deductible clause, E-Paket (opens in a new tab)
Other document · PDF
Combined Kfz-Haftpflicht/Kasko/Insassenunfall application form incl. withdrawal-rights notice (opens in a new tab)
Other document · PDF
Kasko Exklusiv marketing/product page (opens in a new tab)
Other document · PDF
Policy specifics
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.
SourceClause KLKPage 2Section: KLK – Leasingklausel (GAP–Deckung)
Der Abschluss der GAP-Deckung ist nur in Verbindung mit einem Kaskovertrag für leasing- oder kreditfinanzierte Fahrzeuge möglich. […] Die GAP-Deckung ist eine Erweiterung der Fahrzeug-Kaskoversicherung, die im Totalschadenfall nicht nur den Wiederbeschaffungswert des Fahrzeuges, sondern auch einen höheren Auflösungswert aus dem Leasing- oder Kreditvertrag abdeckt.
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.
SourceClause KNTPage 2Section: KNT – Neuwertentschädigung bei Totalschaden
In Abänderung von Art. 5 Z. 1.2. der KK01 bzw. TK01 – Allgemeine Bedingungen der Kfz-Vollkasko- bzw. der Kfz-Teilkaskoversicherung – gilt bei Totalschäden von nicht leasing-finanzierten Fahrzeugen eine Neuwertentschädigung als vereinbart.
Bonus-Paket (optional add-on)
Optional 'Bonus-Paket' (fixed EUR 79/year) for Teilkasko and Vollkasko: windscreen-replacement deductible reduced by EUR 100 at any workshop or EUR 200 at a muki partner workshop (e.g. Carglass®); headlight/small-glass breakage over EUR 500 covered at a fixed EUR 175 deductible; no deductible for the spot-repair paint-damage method; personal items stolen from the vehicle by break-in covered up to EUR 2,500.
SourceClause KBPPage 1Section: KDÜ-Kaskodeckungsübersicht > Zusatzdeckung: „Bonus-Paket“
Bei Tausch der Scheibe in einer Kfz-Werkstätte Ihrer Wahl: Ersparnis von € 100,- Selbstbehalt. Bei Tausch der Scheibe bei der Firma Carglass®: Ersparnis von € 200,- Selbstbehalt. Bruchschäden an Scheinwerfern und Kleingläsern bis zu einer Schadensumme von € 500,- ohne Selbstbehalt, darüber Selbstbehalt € 175,- fix. ... Kein Selbstbehalt bei Spot Repair-Methode für Lackschäden. ... Fixprämie € 79,- jährlich (siehe Klausel KBP).
Battery and Charging Cable Coverage (Electric/Hybrid Vehicles)
Optional 'ELEKTRO-Paket' (fixed EUR 119/year, clause KEP 2026) covering the accumulators and manufacturer-supplied charging cables of an electric or hybrid vehicle. Sum insured EUR 20,000.
SourceClause KEP 2026Section: Kfz-Kaskoversicherung – Voll- & Teilkasko > Elektro-Paket
Zusatzdeckung "ELEKTRO-Paket" (Fixprämie jährlich € 119,00) siehe Klausel KEP 2026 Versicherungssumme € 20.000,00 ... Bedienungsfehler, Ungeschicklichkeit, Diebstahl von Ladekabel oder Vorsatz Dritter ✔ ... Konstruktion-, Material- oder Ausführungsfehler ✔ ... Kurzschluss, Überstrom oder Überspannung ✔ ... Versagen von Mess-, Regel- oder Sicherheitseinrichtungen ✔
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).
SourceVehicle 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.
SourceSection: Kfz-Kaskoversicherung – Voll- & Teilkasko > Kfz-Besichtigung
Alle Fahrzeuge, die älter als sechs Monate sind (ab Kfz-Erstzulassungsdatum), sind besichtigungspflichtig. Die Besichtigung kann durch den ÖAMTC* oder den ARBÖ erfolgen. Die Kosten hierfür übernimmt muki. Für die Zeit vom Antragseingang bis zum Erhalt des Besichtigungsberichtes besteht Deckung mit einem erhöhten durchgehenden Selbstbehalt von € 1.800,– (KESB 2024)
Vehicle Age Restriction
Teilkasko is not written for vehicles past their 12th registration year, and Vollkasko is not written for vehicles past their 6th registration year.
SourceSection: Kfz-Kaskoversicherung – Voll- & Teilkasko > Annahmerichtlinien > Zeichnungsausschlüsse für die Kaskoversicherung
Teilkasko für Fahrzeuge ab Vollendung des 12. Zulassungsjahres Vollkasko für Fahrzeuge ab Vollendung des 6. Zulassungsjahres ... Fahrzeuge mit einem Listenpreis inkl. Sonderausstattung über € 120.000,00
Mandatory Liability Insurance Requirement
Comprehensive or Partial Kasko coverage can only be taken out in combination with Kfz-Haftpflicht Standard or Premium liability insurance.
SourceSection: Kfz-Kaskoversicherung – Voll- & Teilkasko > Voll- und Teilkasko im Vergleich
Eine Voll- oder Teilkasko kann nur in Verbindung mit der Kfz-Haftpflicht Standard oder Premium abgeschlossen werden.
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.
SourceSection: Kfz-Kaskoversicherung – Voll- & Teilkasko > Ihre Vorteile
Prämiengarantie – keine Rückstufung im Schadenfall
muki Casco (own-damage car insurance)