Austrian Civil Servants' Insurance (ÖBV), Mutual Insurance Association
Wiener Städtische
Wiener Städtische is a motor casco insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
As the first Austrian insurer, Wiener Städtische handles direct claims settlement for its customers rather than requiring them to pursue the at-fault party.
Geographic scope
Europe (geographical)
Coverage extends to Europe in the geographical sense, and in any case to the territory of the states that signed the Agreement between the National Insurance Bureaux of the Member States of the European Economic Area and other associated states of 30 May 2002; the scope can be contractually extended.
Unique selling points
- First Austrian insurer to handle direct claims settlement for customers instead of requiring recourse against the at-fault party.
- Optional purchase-price replacement cover (Kaufpreisersatzdeckung) in the Vollkasko tariff, replacing the original purchase price rather than just the depreciated value after a total loss on vehicles up to 4 years old.
- GAP coverage closes the gap between the vehicle's replacement value and the outstanding leasing balance on a total loss of a leased car.
- 24/7 claims service hotline for casco and liability motor claims plus roadside/assistance queries.
- Deductible reduction available nationwide through a large network of cooperation repair workshops.
Coverage limits
Own damage (collision/at-fault accident)
Covered
Only in Vollkasko
Covers damage to the insured vehicle caused by an accident (a sudden externally-acting mechanical event), including self-caused collisions. Only included in the Vollkasko (fully comprehensive) variant; excluded under Teilkasko, Parkschadenkasko and Eingeschränkte Teilkasko.
Total loss settlement
Covered
If repair costs plus residual value exceed the replacement value, the insurer pays the current replacement value of the vehicle (Wiederbeschaffungswert) less residual value; applies across Vollkasko, Teilkasko, Parkschadenkasko and Eingeschränkte Teilkasko, each within its own covered perils.
Partial damage / repair cost coverage
Covered
Where no total loss occurs, the insurer pays the cost of restoration and necessary transport/recovery costs to the nearest suitable workshop, for each covered peril of the respective clause (Vollkasko, Teilkasko, Parkschadenkasko, Eingeschränkte Teilkasko).
Theft, robbery and unauthorized use
Covered
Only in Vollkasko, Teilkasko, Parkschadenkasko
Covers loss of or damage to the vehicle from theft, robbery or unauthorized use by persons outside the operation; included in Vollkasko, Teilkasko and Parkschadenkasko; explicitly not covered under Eingeschränkte Teilkasko.
Glass breakage
Covered
Only in Vollkasko, Teilkasko, Parkschadenkasko
Covers breakage of windscreen, side and rear windows and panoramic glass roof regardless of cause; included in Vollkasko, Teilkasko and Parkschadenkasko; excluded under Eingeschränkte Teilkasko.
Natural hazards (fire, lightning, storm, flooding, etc.)
Covered
Covers damage from lightning, rockfall, landslide, avalanches, snow pressure, hail, flooding and storm (wind above 60 km/h), as well as fire/explosion and animal collision/bite damage; included in all four variants (Vollkasko, Teilkasko, Parkschadenkasko, Eingeschränkte Teilkasko).
Parking damage and vandalism
Covered
Only in Vollkasko, Parkschadenkasko
Covers malicious or spiteful acts by persons outside the operation (vandalism) and parking damage caused by an unknown vehicle; included in Vollkasko and Parkschadenkasko; explicitly excluded under Teilkasko and Eingeschränkte Teilkasko.
Roadside assistance
No limit stated
Not addressed as part of the casco product's own terms in the provided sources; roadside assistance/breakdown help is referenced elsewhere as tied to MTPL sum insured tiers, not to this casco product.
Replacement vehicle costs
Excluded
The general Kasko terms explicitly state that the insurer does not reimburse the cost of a replacement vehicle (Ersatzwagen) for own-damage or partial-loss claims.
Driver/passenger accident coverage
No limit stated
Not part of the casco product; driver and passenger accident cover (Lenker- und Insassenunfallversicherung) is sold by Wiener Städtische as a separate policy.
Key conditions
Driver age and experience limit
No specific driver age or experience limit is stated in the casco terms; however, coverage is void or reduced if the driver does not hold the legally required driving licence for use on public roads.
Repair network requirements
Policyholders are not obliged to use a specific workshop, but private individuals can reduce their deductible by choosing one of Wiener Städtische's cooperation workshops (Kooperationswerkstätten) for the repair of a covered casco claim.
Territorial scope
Coverage applies to Europe in the geographical sense, and in any case to the territory of the states party to the Green Card multilateral agreement of 30 May 2002; the scope can be contractually extended.
Anti-theft requirements
No specific anti-theft device is mandated in the reviewed terms; however, the vehicle and any accessories must be kept in a locked vehicle to be covered against damage, destruction and loss, and any undeclared special equipment is excluded from cover.
Claim notification deadline
The policyholder must notify the insurer of the claim within one week of becoming aware of it, with a precise description of the facts; theft, robbery, unauthorized use, fire, explosion or animal-collision claims must be reported to the nearest police station without delay.
Deductible rules
A deductible (Selbstbeteiligung) applies per vehicle and per claim in the contractually agreed amount; if stolen or robbed items are recovered after the insurer has already acquired ownership of them, the deductible taken into account in the settlement is refunded up to the sale proceeds achieved.
Where to buy
Documents
IPID – Fully Comprehensive Casco (Vollkasko)
IPID
IPID – Partial Casco (Teilkasko)
IPID
IPID – Parking Damage Casco (Parkschadenkasko)
IPID
IPID – Restricted Partial Casco (Eingeschränkte Teilkasko)
IPID
General Terms and Conditions – Teilkasko (1022A)
Terms & conditions
Casco product leaflet (coverage overview)
Table of benefits
General Terms and Conditions – Vollkasko (1024A)
Terms & conditions
Policy specifics
GAP Coverage (Guaranteed Asset Protection)
Optional additional coverage for leased vehicles that covers the difference between the vehicle's time value and outstanding leasing balance in case of total loss
SourcePurchase Price Replacement Coverage
Optional coverage for new or young used vehicles (max 48 months after first registration) that replaces the original purchase price instead of time value in case of total loss or theft
SourceParking Damage Kasko
Distinct casco variant covering parking-related damages such as parking damage and vandalism, in addition to natural perils and collision
SourceExtended (Restricted) Partial Kasko
Partial kasko variant that covers only natural perils and animal collisions, excluding theft and unintentional collisions
SourceAuthorized Repair Workshop Network
Policy condition allowing policyholders to reduce or waive deductible when using authorized repair network workshops
SourceDeductible Structure Options
Policy allows choice between fully activated deductible (general/continuous self-retention) or partial self-retention with waived deductible in specific cases
SourceAnimal Collision and Bite Damage
Coverage includes collision with animals as well as animal bite damage (especially marten damage); specific limits apply to follow-up damage
Source