Tiroler Versicherung Casco (own-damage car insurance) (Kfz Kasko)
Underwritten by Tiroler Versicherung · Austria
casco (own-damage car insurance) from Tiroler Versicherung for the Austria market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2020Sources
Key facts
- Tiroler Versicherung
Unique selling points
Bonus step transfer from the MTPL policy grants up to 50% discount on the Vollkasko premium.
New-value benefit pays 100% of the proven purchase price for a total loss within the first 12 months of first registration.
No new-for-old deduction on parts and paintwork for passenger cars, station wagons and trucks up to 1.5 tonnes payload.
Deductible is waived when windscreen or window glass is repaired instead of replaced.
Recovery costs after a found stolen/robbed vehicle are reimbursed up to 5% of the replacement value with no deductible applied.
Coverage limits
Own damage (accident) coverage
Conditional
Covers damage to the insured vehicle caused by an immediate, sudden external event with mechanical force (Unfall). This peril is only insured under the Vollkasko (fully comprehensive) tier and only if named in the policy; braking, operational and pure fracture damages are excluded. Compensation is based on the replacement value (Wiederbeschaffungswert), not a fixed sum insured.
Section: Artikel 1 > 1.2
Unfall (unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert)
Total loss settlement
Covered
In case of total loss (vehicle destroyed, lost and not recovered within two months, or repair cost plus residual value exceeds replacement value), the insurer pays the replacement value (Wiederbeschaffungswert) minus the value of the damaged vehicle. If new-value cover is agreed, 100% of the proven purchase price is paid for a total loss within the first 12 months from first registration.
Section: Artikel 5 > 1
Neuwertleistung, sofern diese in der Polizze vereinbart ist: der Versicherer leistet bei Totalschaden innerhalb der ersten 12 Monate ab Datum der erstmaligen Zulassung 100% des nachgewiesenen Kaufpreises
Partial damage repair costs
Covered
If no total loss occurred, the insurer pays the cost of restoration and necessary transport costs of spare parts, or (if the vehicle is sold in damaged condition) the anticipated repair costs up to the difference between replacement value and the value of the damaged vehicle. A new-for-old deduction applies to tyres, battery and paintwork up to year 3, except this deduction does not apply for passenger cars, station wagons and trucks up to 1.5 tonnes payload.
Section: Artikel 5 > 2
Von den Kosten der Ersatzteile und der Lackierung wird ein dem Alter und der Abnützung entsprechender Abzug (neu für alt) gemacht, bis zum Ablauf des dritten Jahres ab erstmaliger Zulassung jedoch nur bei Bereifung, Batterie und Lackierung. Bei PKW, Kombi und LKW bis 1,5 Tonnen Nutzlast unterbleibt ein solcher Abzug.
Theft and robbery
Conditional
Covers theft, robbery or unauthorized use of the vehicle by persons outside the operation, if this peril is named in the policy. Available in both Teilkasko and Vollkasko. Compensation is based on replacement value; a recovery cost benefit of up to 5% of the replacement value applies if the vehicle is found (see towing/recovery constraint).
Section: Artikel 5 > 5
Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 5 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet.
Glass breakage
Conditional
Covers breakage damage regardless of cause to windscreen, side and rear windows and glass roofs, in both Teilkasko and Vollkasko, if named in the policy. If the glass is repaired instead of replaced, any deductible named in the policy is waived. In Teilkasko, this peril does not pay out in a total-loss scenario. Replacement of the pane with a new part requires prior inspection by the insurer's expert.
Section: Artikel 1 > 1.1
Glasbruch, das sind Bruchschäden ohne Rücksicht auf die Schadensursache an Windschutz- (Front-), Seiten-, Heckscheiben und Glasdächer bei Wiederherstellung; bei Reparatur statt Austausch der Scheibe entfällt ein etwaig in der Polizze genannter Selbstbehalt. Im TotalSchadensfall erfolgt keine Entschädigung aus Punkt 1.1.9.
Natural hazards / elementary perils
Conditional
Covers direct impact of lightning strike, rockfall, landslide, mudflow, avalanche (including falling ice from buildings), snow pressure, hail, flood and storm (wind of more than 60 km/h), including damage from objects thrown onto or against the vehicle by these forces. Damage caused by driver behaviour induced by these forces is excluded. Available in both Teilkasko and Vollkasko, if named in the policy.
Section: Artikel 1 > 1.1
Folgende Naturgewalten: unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Muren, Lawinen, Dachlawinen (sowie von Gebäuden herabfallende Eisgebilde), Schneedruck, Hagel, Hochwasser, Überschwemmungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h)
Vandalism
Conditional
Covers malicious or wanton acts by persons outside the vehicle operation, if named in the policy. Available in both Teilkasko and Vollkasko.
Section: Artikel 1 > 1.1
Vandalismus (mut- oder böswillige Handlungen betriebsfremder Personen)
Towing and recovery costs (limited)
Conditional
Casco covers only the necessary costs of recovering and transporting the vehicle to the nearest workshop capable of proper repair, and only where the vehicle is not a total loss. This is a subsidiary benefit: it is not paid if another party (e.g. ÖAMTC, ARBÖ, another insurance) is obliged to cover it. Broader roadside assistance is offered as a separate 'KFZ-Assistance' product, not included in Kasko itself.
Section: Artikel 5 > 2
die notwendigen Kosten der Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte, die zur ordnungsgemäßen Durchführung der Reparatur des Fahrzeuges in der Lage ist. Diese Kosten werden nur dann ersetzt, soweit nicht Ersatz von anderer Seite ... zu leisten ist
Replacement vehicle / loss of use
Excluded
Explicitly excluded: the insurer does not reimburse loss of use (Nutzungsausfall) or the cost of a replacement vehicle (Ersatzwagen).
Section: Artikel 5 > 2
Veränderungen, Verbesserungen, Verschleißreparaturen, Minderung an Wert, äußerem Ansehen oder Leistungsfähigkeit, Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience threshold is stated in KB20. The vehicle may not be operated without a valid driving licence, under the influence of alcohol/drugs or other impairment, with unroadworthy tyres, or outside the mandatory winter-tyre period (1 November to 15 April); breach of these duties can result in the insurer being released from its obligation to pay.
Repair network requirements
The policyholder must obtain the insurer's approval before starting repairs or disposing of the damaged vehicle, and must give the insurer the opportunity to inspect it. Compensation for repair is only paid if the vehicle was properly repaired; there is no entitlement to a cash repair settlement in lieu of repair (no 'Reparatur-Ablöse'). Windscreen/window replacement with a new part is only paid after inspection by the insurer's own expert.
Anti-theft requirements
The vehicle (and any special equipment/accessories) must be locked and secured in order for items kept in or attached to it to be covered; no specific immobiliser or alarm system is mandated in KB20.
Claim notification deadline
The policyholder must notify the insurer of the claim, with as precise a description of the facts as possible, within one week at the latest. Theft, robbery, collision with an unknown vehicle, unauthorized use by outsiders, fire, explosion, wildlife collision or malicious acts by outsiders must additionally be reported immediately to the nearest police station.
Deductible rules
A deductible (Selbstbeteiligung) applies per vehicle and per claim in the amount stated in the policy. For used vehicles, the deductible doubles if the required pre-existing-damage inspection is not submitted to the insurer within 6 working days of application; it remains at the agreed level if submitted in time. No deductible is charged on the recovery-cost benefit (Art. 5.5), and any deductible is waived when glass is repaired rather than replaced.
Direct payment
Not specified in the reviewed policy documents and product page.
Territorial scope
Cover extends to Europe in the geographical sense and to the territory of states that signed the Multilateral Agreement between national insurance bureaus of the EEA member states and other associated states (30 May 2002); sea transport cover rules apply for loading/destination points.
Documents
General Terms and Conditions for Motor Vehicle Comprehensive Insurance (AKKB), KB20, 2020 edition (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for Motor Vehicle Comprehensive Insurance (AKKB), KB24, 2020 edition (opens in a new tab)
Terms & conditions · PDF
Motor Vehicle Comprehensive Insurance – Product Information Sheet (opens in a new tab)
Product information sheet · PDF
Kfz-Kasko product page (opens in a new tab)
Other document · PDF
Motor Comprehensive Insurance FAQ (opens in a new tab)
Other document · PDF
Policy specifics
Personal belongings – break-in theft (optional TIROLER Paket, up to EUR 1,000; cash and valuables excluded)
Loss of personal items through break-in theft from the locked vehicle, up to EUR 1,000; cash, valuables, documents and securities excluded. Part of the optional TIROLER Paket.
SourceSection: KFZ-Kasko > Die TIROLER Kasko-Versicherung im Überblick > Optional: TIROLER Paket
Verlust von Gegenständen des persönlichen Bedarfes durch Einbruchdiebstahl in das verschlossene Fahrzeug (ausgenommen Geld, Kostbarkeiten, Dokumente und Wertpapiere) bis EUR 1.000,-
Bonus step transfer from third-party liability insurance
Policyholders can transfer their bonus classification from third-party liability insurance to comprehensive insurance to receive up to 50% premium discount
SourceClause Art. 13.2Page 6Section: Artikel 13 > 2
Maßgeblich für die Einstufung der Kasko-Stufe ist die Kfz-Haftpflichtstufe zum Zeitpunkt des Vertragsabschlusses. Die erstmalige Einstufung bleibt in der Kaskoversicherung über die gesamte Vertragslaufzeit erhalten.
Towing and recovery costs
Coverage includes necessary towing and recovery costs to the nearest repair shop when no total loss has occurred
SourceSection: KFZ-Kaskoversicherung > Was ersetzt die Kaskoversicherung?
Notwendige Bergungs- und Abschleppkosten bis zur nächsten Werkstätte, sofern kein Totalschaden am Fahrzeug eingetreten ist
Vehicle recovery costs for theft or robbery
Coverage includes recovery costs for stolen or robbed vehicles up to 5% of the replacement value, paid without deduction of the deductible.
SourceClause 5Page 2Section: Artikel 5 > 5
Wird das Fahrzeug aufgefunden, werden die tatsächlich aufgewendeten Rückholkosten im Höchstausmaß von 5 % des Wiederbeschaffungswertes ohne Abzug einer vereinbarten Selbstbeteiligung vergütet.
Vehicle lock requirement
For coverage of items in or attached to the vehicle, the vehicle must be locked when unattended
SourceSection: KFZ-Kasko > Die TIROLER Kasko-Versicherung im Überblick > Was ist in der TIROLER Kasko-Versicherung versichert?
Ihr eigenes Fahrzeug und seine Teile, die im versperrten Fahrzeug verwahrt oder an ihm befestigt sind, sind gegen Beschädigung, Zerstörung und Verlust versichert
Repair approval requirement
Policyholders must obtain insurer approval before beginning any vehicle repairs
SourceBonus system not applicable to short-term contracts
Contracts with a duration of less than one year are not subject to the Kaskobonus system
SourceClause Art. 13.2Page 6Section: Artikel 13 > 2
Verträge, die mit einer Laufzeit von weniger als einem Jahr abgeschlossen werden, unterliegen nicht dem Kaskobonus-System.
Contract modification notification and acceptance period
Changes to terms and conditions or contract require written notice to policyholder; silence after 2 months constitutes acceptance; objection must be filed in writing within 2 months
SourceClause Art. 21.1Page 7Section: Artikel 21
Änderungen der Allgemeinen Bedingungen für die Kfz-Kaskoversicherung oder des Versicherungsvertrages erlangen nach Ablauf von zwei Monaten ab der schriftlichen Verständigung des Versicherungsnehmers Rechtsgültigkeit, sofern bis dahin kein Widerspruch in geschriebener Form des Versicherungsnehmers beim Versicherer einlangt.
Sources
- tiroler-versicherung.athttps://www.tiroler-versicherung.at/tiroler_at_responsive/content/download/112713/2631973/version/1/file/KB20.pdf#page=1(opens in a new tab)
- tiroler-versicherung.athttps://www.tiroler-versicherung.at/tiroler_at_responsive/content/download/112713/2631973/version/1/file/KB20.pdf#page=2(opens in a new tab)
- tiroler-versicherung.athttps://www.tiroler-versicherung.at/tiroler_at_responsive/content/download/112713/2631973/version/1/file/KB20.pdf#page=3(opens in a new tab)
- tiroler-versicherung.athttps://www.tiroler-versicherung.at/tiroler_at_responsive/content/download/112713/2631973/version/1/file/KB20.pdf#page=6(opens in a new tab)
- tiroler-versicherung.athttps://www.tiroler-versicherung.at/tiroler_at_responsive/content/download/112713/2631973/version/1/file/KB20.pdf#page=7(opens in a new tab)