UNIQA Österreich Versicherungen AG

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.

Territorial scope

Coverage applies throughout Europe in the geographical sense, at minimum in the states that signed the 30 May 2002 Agreement between National Insurers' Bureaux; the scope can be contractually extended (e.g. to non-European Mediterranean countries).

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.

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

Vandalism and parking damage

Coverage for malicious damage and parking lot damage to the vehicle

Glass breakage on windows

Coverage for glass breakage on vehicle windows without regard to cause of damage

Accidents abroad for private trips

Full Casco includes coverage for accidents abroad during private travels, converting partial comprehensive to full comprehensive coverage when traveling

Natural hazards and weather damage

Coverage includes damage from storms, hail, flooding, mudslides, avalanches, roof avalanches, falling ice/icicles, lightning, rockfall and stone impact

Special equipment coverage

Special equipment (non-standard factory options) of the insured vehicle is covered up to 6,000 EUR at no premium charge

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.

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

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

Bonus-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)

Geographic scope of coverage

Insurance coverage exists throughout Europe in the geographic sense; scope can be contractually expanded

Repair authorization requirement

Before repair work begins, authorization from insurer must be obtained

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