Tiroler Versicherung V.a.G. (Tyrolean Insurance Mutual Association)

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.

Territorial scope

Cover extends to Europe in the geographical sense, and in any case to the territory of states that signed the Multilateral Agreement between the national insurance bureaus of the EEA member states and other associated states (30 May 2002). Cover during sea transport is not interrupted if loading points lie within the territorial scope; it ends when loading is complete if the destination lies outside that scope.

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.

Cash and valuables in vehicle protection

Coverage for cash and valuables stored in a locked vehicle

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

Towing and recovery costs

Coverage includes necessary towing and recovery costs to the nearest repair shop when no total loss has occurred

Vehicle recovery costs for theft or robbery

Coverage includes recovery costs for stolen or robbed vehicles up to a certain percentage of the replacement value

Vehicle lock requirement

For coverage of items in or attached to the vehicle, the vehicle must be locked when unattended

Repair approval requirement

Policyholders must obtain insurer approval before beginning any vehicle repairs

Bonus system not applicable to short-term contracts

Contracts with a duration of less than one year are not subject to the 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