UNIQA Casco (own-damage car insurance) (Auto Frei Kasko)
Underwritten by UNIQA Österreich Versicherungen AG · Austria
casco (own-damage car insurance) from UNIQA for the Austria market, with online purchase and 24/7 assistance.
Verified Aug 25, 2026 · Terms dated 2024-06Sources
Unique selling points
Fixed premium option: the Casco premium level never rises after a claim (ABBKF Fixstufen model).
Re-rating option: one claim-free year lowers the Casco premium level, down to level P5 (ABBKU model).
Wide menu of optional extensions such as E-coverage, purchase-price protection, gross-negligence cover, gap cover, and cyber cover to tailor the policy.
PLUS24service roadside/travel assistance package (towing, recovery, medical repatriation, replacement transport) included standard from the OPTIMAL package upward.
Rental car reimbursement of up to EUR 50/day and EUR 350/year after an accident, without requiring a specific repair-shop network.
Coverage limits
Own-fault accident damage (Full Casco)
Conditional
Damage to the insured vehicle caused by an accident through the policyholder's own fault is only covered under the PREMIUM package of Auto & Frei Kasko (full comprehensive/Vollkasko); it is not included in the KOMPAKT or OPTIMAL packages, which only cover the perils explicitly listed as insurance modules on the policy.
Section: Kfz-Kaskoversicherung
Unfall (Fremd- oder Eigenverschulden) […] ✓
Total loss settlement
Covered
In case of total loss (vehicle destroyed, lost, or repair cost plus residual value exceeds replacement value), UNIQA pays the replacement value of a vehicle of the same type and condition at the time of loss, minus the residual value; a scaled benefit improvement of up to 100% of the purchase price applies during the first 24 months after first registration.
Section: Artikel 5 > 1. Versicherungsleistung bei Totalschaden
Der Versicherer leistet jenen Betrag, den der Versicherungsnehmer für ein Fahrzeug gleicher Art und Güte im gleichen Abnützungszustand zur Zeit des Versicherungsfalles hätte aufwenden müssen (Wiederbeschaffungswert).
Partial loss / repair cost settlement
Covered
If there is no total loss, UNIQA pays the cost of the repair carried out plus the necessary freight/transport cost of spare parts, and the cost of recovery and towing to the nearest suitable workshop; a deduction 'new for old' applies to tyres, battery and paintwork within the first 3 years, but not for passenger cars/combis/small buses etc. without special use.
Section: Artikel 5 > 2. Versicherungsleistung bei Teilschaden
Liegt kein Totalschaden (Pkt. 1.1.) vor, leistet der Versicherer die Kosten der vorgenommenen Reparatur und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile ... die notwendigen Kosten der Bergung und Verbringung des Fahrzeuges bis zur nächsten Werkstätte.
Theft, robbery and unauthorized use
Covered
No limit stated
Theft, robbery or unauthorized use of the vehicle is covered; if the vehicle is stolen or robbed and not recovered, UNIQA pays its current value. A separate sub-limit of EUR 1,500 applies to the loss of personal items from the vehicle through burglary (break-in theft).
Section: Was ist versichert? > UNIQA ersetzt
Diebstahl, Raub oder unbefugter Gebrauch sowie Verlust von Gegenständen des persönlichen Bedarfs durch Einbruchdiebstahl bis zur Höhe von 1.500,-Euro ... UNIQA ersetzt ... den aktuellen Wert, wenn das Fahrzeug gestohlen oder geraubt wurde und nicht wieder aufgefunden wird.
Glass breakage
Conditional
Breakage of windscreen, side, and rear windows, headlights, tail lights, indicator lenses and mirrors, regardless of cause, is an optional module (wahlweise) in the KOMPAKT package and is standard/included in the OPTIMAL and PREMIUM packages.
Section: Kfz-Kaskoversicherung
Glasbruch an Scheiben und Kleingläsern […] wahlweise ✓ ✓
Natural hazards / weather damage
Covered
Covers direct impact of lightning, rockfall, falling stones, landslides, avalanches, snow pressure, hail, flooding, mudslides and storm (wind over 60 km/h), as well as roof avalanches and falling icicles/ice from buildings; included in all three packages (KOMPAKT, OPTIMAL, PREMIUM) of Auto & Frei Kasko.
Section: Was ist versichert?
Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Muren, Sturm (Wind > 60 km/h), Dachlawinen und von Gebäuden herabfallende Eiszapfen und andere Eisgebilde
Vandalism
Conditional
Damage from malicious or spiteful acts by third parties is not covered in the KOMPAKT package, is an optional module (wahlweise) in OPTIMAL, and is included as standard in PREMIUM.
Section: Kfz-Kaskoversicherung
Vandalismus […] wahlweise ✓
Roadside assistance (PLUS24service)
Conditional
Auto PLUS24service (accident/breakdown assistance, towing, recovery, route planning abroad, travel information, replacement transport, vehicle transport abroad, driver replacement, child recovery, medical repatriation, spare parts shipping) is an optional module in KOMPAKT and included as standard in OPTIMAL and PREMIUM.
Section: Auto PLUS24service
Auto PLUS24service Kompakt (wahlweise)/ Optimal/ Premium […] Unfall-/Pannenhilfe […] Kranken-Rücktransport
Replacement vehicle / rental car costs
€350
For passenger cars, combis, small buses and certain light vehicles without special use, following accident damage where the agreed accident deductible applies, UNIQA reimburses the cost of a rental car from a licensed rental company or the repairing workshop for the duration of the repair, up to EUR 50 per day and up to EUR 350 per calendar year, on presentation of an invoice; not reimbursed if the vehicle is sold in damaged condition.
Section: Artikel 5 > 2.1.3
Die Kosten werden nach Vorlage einer Rechnung bis zu EUR 50,- pro Tag und bis zu EUR 350,- pro Kalenderjahr ersetzt.
Driver/occupant accident cover
Optional
No limit stated
Driver accident protection (Lenkerschutz) is offered as a separately selectable module of the Auto & Frei product line in all packages; it is not part of the Casco cover itself.
Section: Kfz-Haftpflichtversicherung
Lenkerschutz wahlweise wahlweise wahlweise
Key conditions
Driver age and experience limit
No specific driver age or experience limit is stated; the driver must hold the licence required for the vehicle at all times and must not be impaired by alcohol or drugs.
Repair network requirements
No fixed repair-shop network is required, but the policyholder must obtain UNIQA's consent before repair work begins, and after a breakdown/accident the vehicle is recovered to the nearest workshop capable of properly carrying out the repair; a rental car (if applicable) must come from a licensed rental firm or the repairing workshop.
Anti-theft requirements
No alarm or immobiliser is mandated; parts and accessories are covered when kept in the locked vehicle, and personal items with a new value over EUR 100 must be stored out of external view (a visible bag does not satisfy this requirement).
Claim notification deadline
The claim, and the initiation of any related administrative or court proceedings, must be reported to UNIQA within one week of becoming aware of it.
Deductible rules
A deductible (self-participation) applies per vehicle and per claim in the amount agreed in the policy; the insurance benefit is reduced by this agreed deductible amount. If recovered stolen/robbed items had already passed into UNIQA's ownership, UNIQA refunds the deductible up to the sale proceeds obtained, less recovery costs.
Direct payment
UNIQA reimburses on a documented basis: repair costs are paid on presentation of an invoice for properly completed repairs, and the policyholder must obtain UNIQA's consent before repair work begins; costs beyond the standard scope are only reimbursed if incurred on UNIQA's express instruction.
Territorial scope
Coverage applies throughout Europe in the geographical sense, and in any case in the territory of the states that signed the Agreement between the National Insurers' Bureaux of 30 May 2002; the scope can be contractually extended (e.g. to non-European Mediterranean countries).
Documents
Motor Casco Insurance Product Information Document (IPID), 06.2024 (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions for Bonus Casco Insurance with Fixed Levels (ABBKF 2021) (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for Bonus Casco Insurance with Re-rating (ABBKU 2021) (opens in a new tab)
Terms & conditions · PDF
Auto & Frei benefits overview (KOMPAKT/OPTIMAL/PREMIUM) (opens in a new tab)
Table of benefits · PDF
Policy specifics
Accident damage caused by own fault
Full Casco covers damage to the insured vehicle from accidents caused by the policyholder's own fault, distinguishing it from partial comprehensive coverage
SourceVandalism and parking damage
Coverage for malicious damage and parking lot damage to the vehicle
SourceGlass breakage on windows
Coverage for glass breakage on vehicle windows without regard to cause of damage
SourceAccidents abroad for private trips
Full Casco includes coverage for accidents abroad during private travels, converting partial comprehensive to full comprehensive coverage when traveling
SourceNatural hazards and weather damage
Coverage includes damage from storms, hail, flooding, mudslides, avalanches, roof avalanches, falling ice/icicles, lightning, rockfall and stone impact
SourcePage 1Section: Was ist versichert?
Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Muren, Sturm (Wind > 60 km/h), Dachlawinen und von Gebäuden herabfallende Eiszapfen und andere Eisgebilde
Special equipment and accessories coverage
Special equipment and accessories are covered in the configuration declared in the application; equipment not declared to UNIQA is subject to a coverage limitation per the IPID's Deckungsbeschränkungen.
SourcePage 1Section: Gibt es Deckungsbeschränkungen?
für eine nicht angegebene Sonderausstattung.
Deductible (self-participation) options
Not established from the insurer's documents
Customers can choose between restricted and general deductible levels of EUR 175 and EUR 350
SourceThird-party source, not the insurer's documentSection: Jetzt Preise einholen
In der Kaskoversicherung können Kunden der Uniqa zwischen einem eingeschränkten und generellen Selbstbehalt jeweils in der Höhe von € 175 und 350 wählen.
Premium calculation variants
UNIQA offers two premium calculation models: Fixed Casco (ABBKF) with no premium increase after claims, or Variable Casco (ABBKU) with premium reduction after one claim-free year
SourceBonus-Malus system integration
Casco premium is linked to the Bonus-Malus classification from motor liability insurance; separate Casco bonus-malus levels exist (Casco stages 0 to P5)
SourceClause Art. 13Page ABBKU 2021 Seite 6Section: Artikel 13 > Grundsätze der Prämieneinstufung > Erstmalige Einstufung
Maßgebend ist der bisherige Schadenverlauf in der Kraftfahrzeug-Haftpflichtversicherung.
Geographic scope of coverage
Insurance coverage exists throughout Europe in the geographic sense; scope can be contractually expanded
SourcePage 2Section: Wo bin ich versichert?
In Europa – im geografischen Sinn. Der Geltungsbereich kann vertraglich erweitert werden.
Repair authorization requirement
Before repair work begins, authorization from insurer must be obtained
SourcePage 2Section: Welche Verpflichtungen habe ich?
Vor Beginn der Reparaturarbeiten ist die Zustimmung des Versicherers einzuholen.
Police notification requirement for specific loss types
For theft, robbery, unauthorized use, arson, explosion, animal contact, cyber attacks, parking damage, and vandalism, the incident must be immediately reported to the nearest police station
SourcePage 2Section: Welche Verpflichtungen habe ich?
Bei Schäden durch Diebstahl, Raub, unbefugten Gebrauch, Brand, Explosion, durch Berührung mit Tieren, Cyberangriff sowie bei einem Parkschaden oder Vandalismusschaden ist der Vorfall unverzüglich bei der nächsten Polizeidienststelle anzuzeigen.
Sources
- durchblicker.athttps://durchblicker.at/downloads/autoversicherung/uniqa(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/f/172351/x/a3778103b0/uat_ipid_kfz-kaskoversicherung.pdf?t=1774356944437#page=1(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/f/172351/x/a3778103b0/uat_ipid_kfz-kaskoversicherung.pdf?t=1774356944437#page=2(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/kfz/Kfz_Leistungsuebersicht.pdf#page=1(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/kfz/Kfz_Leistungsuebersicht.pdf#page=3(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/kfz/kfz_kasko_fixstufen_ABBKF_2019.pdf#page=2(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/kfz/kfz_kasko_fixstufen_ABBKF_2019.pdf#page=3(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/kfz/kfz_kasko_umreihung_ABBKU_2019.pdf#page=6(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/kfz/vollkaskoversicherung(opens in a new tab)
UNIQA Casco (own-damage car insurance)