Smile Casco (own-damage car insurance) (Smile Car Kasko)
Underwritten by Helvetia Versicherungen AG · Austria
casco (own-damage car insurance) from Smile for the Austria market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2023Sources
Unique selling points
Unlike most competitors' annual contracts, smile.car customers can cancel monthly instead of being locked into a full policy year.
Parking-damage and vandalism cover for passenger cars/station wagons is already included free of charge in the entry-level Teilkasko, a benefit many competitors charge extra for.
Parking-damage and vandalism cover for passenger cars/station wagons is already included free of charge in the entry-level Teilkasko.
An optional upgrade lets customers insure gross-negligence damage for the full sum insured, removing the payout reduction insurers normally apply.
Coverage limits
Own damage / collision cover
Conditional
Covers damage to the insured vehicle caused by a self-inflicted collision or accident. Only included in the Vollkasko (fully comprehensive) tier; Teilkasko excludes self-caused collision damage. Settled as repair costs, or the vehicle's current value less any salvage value if repair costs plus salvage exceed current value (total loss), or current value if the vehicle is stolen/robbed and not recovered.
Section: Was ist versichert?
zusätzlich bei Vollkasko: Unfallschäden
Total loss settlement
Covered
If estimated repair costs plus the vehicle's residual/salvage value exceed its current value, Helvetia pays the current value less the residual value; if the vehicle is stolen or robbed and not recovered, the current value is paid. Applies across covered Teilkasko and Vollkasko perils.
Section: Was ist versichert?
den aktuellen Wert des Fahrzeugs – abzüglich des Restwerts, wenn die Summe aus geschätzten Reparaturkosten und Restwert den aktuellen Wert übersteigen (Totalschaden)
Partial damage / repair cost cover
Covered
Partial damage (e.g. from fire, glass breakage, natural hazards, theft attempts, or - in Vollkasko - collision) is reimbursed at repair cost, within the agreed sum insured/limits.
Section: Was ist versichert?
Reparaturkosten
Theft, robbery and unauthorized use
Covered
Covers theft, robbery and unauthorized use of the vehicle; included in both Teilkasko and Vollkasko. If the vehicle is stolen/robbed and not recovered, the current value is paid.
Section: Was ist versichert?
Diebstahl, Raub oder unbefugter Gebrauch
Glass breakage
Covered
Covers breakage of front, side and rear windows as well as small glass parts, for passenger cars and station wagons (PKW/Kombi); included in both Teilkasko and Vollkasko.
Section: Was ist versichert?
Bruch von Front-, Seiten- und Heckscheiben (versichert für Personen- und Kombinationskraftwagen)
Natural hazards, fire and animal collision
Covered
Covers damage from lightning strike, rockfall, landslide, avalanches (incl. roof avalanches), snow pressure, hail, flood/inundation, storm, as well as fire, explosion, and collision with animals (incl. bites to cables/hoses and cable-scorch damage); included in both Teilkasko and Vollkasko. Earthquake and nuclear damage are explicitly excluded.
Section: Was ist versichert?
Schäden durch Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Dachlawinen, Schneedruck, Hagel, Hochwasser, Sturm und Überschwemmungen
Parking damage and vandalism
Covered
Parking-damage and vandalism cover for passenger cars/station wagons is included already in Teilkasko; Vollkasko additionally covers damage caused by unidentified/unknown vehicles.
Section: Was ist versichert?
zusätzlich bei Teilkasko Vandalismus /Parkschaden (nur Personen- und Kombinationskraftwagen) und bei Vollkasko: Schäden durch Vandalismus Schäden durch unbekannte Fahrzeuge
Roadside assistance
No limit stated
Not part of the Kasko product itself; roadside assistance is offered as a separate product (Allgemeine Bedingungen für die Kfz-Assistance - 488964/2506, marketed as 'Smile Assist').
Replacement vehicle
No limit stated
Not mentioned in the Kasko IPID or the special conditions reviewed; no replacement-vehicle benefit is described as part of this Kasko product.
Key conditions
Driver age and experience limit
No minimum driver age or experience requirement is stated in the reviewed Kasko documents.
Repair network requirements
There is no requirement to use a specific repair-shop network, but the policyholder must obtain Helvetia's consent before repair work begins.
Anti-theft requirements
No specific anti-theft device or security requirement is stated in the reviewed documents.
Claim notification deadline
Claims, and the initiation of administrative or court proceedings, must be reported to Helvetia within one week of becoming aware of them. In the event of theft, robbery, unauthorized use, fire, explosion or wildlife-related damage (and, where insured, damage from unknown vehicles or vandalism), the nearest police station must be notified immediately.
Deductible rules
The claim payment is reduced by the agreed deductible (Selbstbehalt); if the insured vehicle value was declared too low, the payout is reduced proportionally (underinsurance).
Direct payment
The reviewed sources do not specify whether repair costs are paid directly to the garage or reimbursed to the policyholder; in any case, Helvetia's consent is required before repair work begins.
Territorial scope
Cover applies in Europe in the geographical sense; the scope can be contractually extended.
Documents
Motor Kasko Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Special conditions - motor insurance (no-claims rating, EV/hybrid battery extension, gross negligence, GAP clause) (opens in a new tab)
Terms & conditions · PDF
Legal information (withdrawal rights, distance-selling information) (opens in a new tab)
Other document · PDF
Policy specifics
Gross negligence waiver
Optional upgrade that provides coverage for damages caused by gross negligence, which would normally result in reduced or denied benefits
SourceSection: Mehr Infos zur Smile Autoversicherung > Kaskoversicherung: Schütze dich selbst
Mit dieser Zusatzdeckungbist du auch dann abgesichert, wenn dein Kaskoschaden durch grobe Fahrlässigkeit entstanden ist.
Leasing gap coverage (GAP)
Optional upgrade (Mind the GAP) that covers the difference between the replacement value and leasing residual value in case of total loss or theft
SourceSection: Mehr Infos zur Smile Autoversicherung > Kaskoversicherung: Schütze dich selbst
Bei einem Totalschaden oder Diebstahl zahlen wir den Restbetrag zwischen Wiederbeschaffungswert und Leasingrestwert.
Restricted deductible
Not established from the insurer's documents
Kasko coverage includes a reduced deductible (specifically noted as 'eingeschränkter Selbstbehalt' - limited/restricted deductible)
SourceThird-party source, not the insurer's documentSection: Jetzt Preise einholen
In der Kfz-Kaskoversicherungen gibt es bei Smile immer einen eingeschränkten Selbstbehalt.
Parking damage and vandalism coverage included
Not established from the insurer's documents
Parking damage and vandalism coverage is included free of charge in all Kasko policies
SourceThird-party source, not the insurer's documentSection: Jetzt Preise einholen
Eine Parkschaden- und Vandalismusdeckung ist immer prämienfrei inkludiert.
Indirect lightning strike coverage for electric vehicles
Not established from the insurer's documents
Electric and hybrid vehicles with battery are covered against indirect lightning strikes without extra charge
SourceThird-party source, not the insurer's documentSection: Jetzt Preise einholen
Elektro- und Hybrid-Fahrzeuge mit Akku sind ohne Aufpreis gegen indirekten Blitzschlag versichert.
Monthly cancellation right
Policyholders have the right to cancel their insurance contract on a monthly basis, rather than being locked into annual contracts
SourceSection: Volle Flexibilität: Monatliches Kündigungsrecht revolutioniert den Versicherungsmarkt
Als erster Anbieter auf dem österreichischen Kfz-Versicherungsmarkt bietet Smile in der Vertragsgestaltung für Versicherungskundinnen und -kunden ein monatliches Kündigungsrecht an.
Flexible coverage tier selection
Customers can choose between liability only, partial comprehensive, or full comprehensive coverage, with optional upgrades available
SourceSection: Mehr Infos zur Smile Autoversicherung > Kaskoversicherung: Schütze dich selbst
Teilkasko – Für Schäden am Fahrzeug, die du nicht beeinflussen kannst
Online claims reporting and management
Policyholders can report and manage claims entirely online through the website and mobile app
SourceSection: Voll digital
Unfall melden oder eine neue Prämie berechnen? Mit der Smile Kfz-Versicherung geht alles ganz schnell und einfach online.
No long-term contract binding
Unlike traditional insurers, Smile does not require long-term contract commitments
SourceSection: Volle Flexibilität: Monatliches Kündigungsrecht revolutioniert den Versicherungsmarkt
Smile verzichtet somit auf lange Versicherungsverträge wie marktüblich, vielmehr soll der Kunde befähigt werden selbst flexibel und ungebunden zu entscheiden.
Sources
- durchblicker.athttps://durchblicker.at/downloads/autoversicherung/smart(opens in a new tab)
- ots.athttps://www.ots.at/presseaussendung/OTS_20230918_OTS0019/online-versicherung-smile-launcht-kfz-versicherung-smilecar-in-oesterreich(opens in a new tab)
- smile-insurances.comhttps://www.smile-insurances.com/at/main/de/home/versicherung/autoversicherung.html(opens in a new tab)
- smile-insurances.comhttps://www.smile-insurances.com/content/dam/smile/at/main/global/versicherungen/autoversicherung/Rechtliche_Informationen_Smile_Versicherung.pdf#page=3(opens in a new tab)
- smile-insurances.comhttps://www.smile-insurances.com/content/dam/smile/at/main/global/versicherungen/autoversicherung/SMD_IPID_KFZ_Kasko_2022_DE_WEB.pdf#page=1(opens in a new tab)
Smile Casco (own-damage car insurance)