VAV Versicherungs-Aktiengesellschaft
VAV
VAV is a motor casco insurance for the Austria market with online purchase and limited assistance availability.
Direct payment
VAV offers direct billing with the insurer when repairs are carried out through its partner repair networks (e.g. MO'Drive, GOODONE Schadenmeister); repairs outside these networks are reimbursed against submitted invoices after prior approval from VAV.
Geographic scope
Europe in the geographical sense, including all states party to the Green Card Agreement of 30 May 2002
Cover extends to Europe in the geographical sense and at least to the territory of all states that signed the agreement between the national insurance bureaus of the EEA member states and other associated states of 30 May 2002 (list includes Austria, Germany, all EU states, Switzerland, Norway, Iceland, Andorra, etc.). If the vehicle is transported by sea, cover is not interrupted provided the loading point is within the territorial scope.
Unique selling points
- Gross negligence (grobe Fahrlässigkeit) is automatically covered in Casco deductible variants at no extra premium, unlike insurers that charge separately for this.
- Free pre-damage inspection at any ÖAMTC location for vehicles older than 13 months, avoiding disputes over pre-existing damage.
- Access to VAV's MO'Drive partner repair network with over 40 locations, including Tesla Approved Body Shops, offering direct billing and a reduced deductible.
- Optional new-value compensation extends total-loss payouts up to the original purchase (new) value for up to 48 months after buying the vehicle.
- No deductible applies for windscreen repair (as opposed to replacement), including free stone-chip repair via the Carglass partnership.
Coverage limits
Own vehicle damage (Comprehensive)
Not established from the insurer's documents
Covers damage, destruction and loss of the insured vehicle and its parts/accessories. Vollkasko additionally covers collisions (sudden, external, mechanical impact) and vandalism, on top of the Teilkasko perils (fire, theft, natural perils, glass breakage, animal bites, short-circuit damage, etc.). No fixed sum insured; indemnity is based on replacement or repair value.
Total loss benefit
Not established from the insurer's documents
In case of total loss (destruction, unrecovered total theft, or economic total loss where repair cost plus residual value exceeds replacement value), VAV pays the replacement value (Wiederbeschaffungswert) of an equivalent vehicle in the same condition, less any residual/wreck value. Recovery costs are covered up to EUR 2,000 per claim, including EUR 200 for towing costs.
Partial damage / repair costs
Not established from the insurer's documents
Where there is no total loss, VAV pays the cost of restoration/repair plus necessary transport costs for spare parts and recovery/towage to the nearest suitable repair workshop, less any agreed deductible.
Theft, robbery and unauthorized use
Not established from the insurer's documents
Covers theft, robbery or unauthorized use of the vehicle by persons outside the household/business; also covers items of personal use stolen from the locked vehicle during a break-in (up to EUR 1,000 per claim, excluding cash and electronic devices), and replacement of stolen documents/keys/plates up to EUR 250 per claim.
Glass breakage
Not established from the insurer's documents
Covers breakage of windscreen, side and rear windows, panoramic/sliding sunroofs, headlights, taillights, fog lights and mirrors regardless of cause, plus related installation costs. The deductible is waived for windscreen repair (not replacement).
Natural hazards
Not established from the insurer's documents
Covers direct effects of lightning, rockfall, landslide, avalanches (including roof avalanches), snow pressure, falling ice from buildings, hail, flooding due to weather, and storm (wind over 60 km/h), including damage from objects thrown onto the vehicle by these forces.
Vandalism / malicious acts by third parties
Conditional
Only in Vollkasko (included), Teilkasko (optional)
Malicious or wanton damage to the vehicle by third parties is included (subject to deductible) in Vollkasko as a core benefit; in Teilkasko it is only available as an optional add-on (subject to deductible), per the VAV coverage overview.
Recovery and towing costs
Not established from the insurer's documents
Recovery costs (Bergungskosten) following an insured event are reimbursed up to EUR 2,000 per claim, of which up to EUR 200 relates to towing costs; this cover is subsidiary to any other existing coverage (e.g. dedicated roadside assistance/ÖAMTC membership).
Rental car cost coverage
€200
Only in Vollkasko, Teilkasko
Optional add-on covering rental car costs while the vehicle is being repaired following a Casco claim, limited to EUR 40 per day, maximum EUR 200 in total, and maximum 5 days per claim.
Driver/occupant personal accident benefit
Not established from the insurer's documents
The reviewed Casco documents (IPID, AKKB, coverage overview) do not include any personal injury/accident benefit for the driver or occupants; Casco covers only damage to the vehicle itself, not bodily injury.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience limit is stated in the reviewed documents; the driver must in any case hold the valid driving licence required for the vehicle class, even off public roads.
Repair network requirements
There is no mandatory repair workshop network; however, the policyholder must obtain VAV's consent before starting repairs or disposing of the damaged vehicle, where reasonably possible. Using VAV's preferred partner network (MO'Drive, including Tesla Approved Body Shops, and GOODONE Schadenmeister) provides direct billing and can reduce the deductible.
Territorial scope
Cover applies in Europe in the geographical sense and in all states that signed the 30 May 2002 Green Card agreement between national insurance bureaus of the EEA and associated states.
Anti-theft requirements
The reviewed documents do not specify mandatory anti-theft device requirements as a condition of cover.
Claim notification deadline
Claims must generally be reported to VAV without delay, at the latest within one week of becoming aware of the event. Theft, robbery, unauthorized use, fire/explosion, animal collisions, parking damage and vandalism must additionally be reported to the nearest police station on the day the policyholder becomes aware of the event, with the confirmation of the report attached to the claim notification.
Deductible rules
A deductible applies per vehicle and per claim as agreed in the policy; it is waived for windscreen repair (not replacement). If the policyholder uses the tariff's user discount and the vehicle is driven, at the time of the claim, by someone other than the policyholder or their spouse/partner, the agreed deductible increases by EUR 250 per claim.
Where to buy
Policy specifics
Partial Comprehensive (Teilkasko) option
VAV offers both full (Vollkasko) and partial comprehensive (Teilkasko) variants, with partial covering natural events and theft but excluding collision damage
SourceGross negligence coverage
VAV automatically includes coverage for gross negligence (grobe Fahrlässigkeit) in Casco deductible variants without additional premium
SourceNew value compensation clause
Optional coverage providing replacement value (Neuwertentschädigung) for total loss up to 48 months after purchase
SourceRental car cost coverage
Optional coverage for rental car costs during repair, limited to EUR 40 per day, maximum EUR 200 total, maximum 5 days per claim
SourceDeductible options
Casco policies available with deductibles of EUR 290, EUR 350, EUR 500, or EUR 900, with both restricted and general deductible variants
SourcePre-damage inspection requirement
For vehicles older than 13 months without prior equivalent Casco coverage, VAV requires a pre-damage inspection at ÖAMTC (free of charge)
SourceGAP coverage for leased vehicles
Enhanced total loss benefit (erhöhte Totalschadenleistung) available for leased vehicles, covering gap between vehicle value and lease contract dissolution value
SourceAnimal bite damage coverage
Partial Casco coverage includes damage from animal bites with follow-up damage, limited to EUR 3,000 per claim
SourceElectronic devices in vehicle coverage
Coverage for portable electronic devices (laptops, iPods, MP3 players, mobile phones, digital cameras) in vehicle, limited to actual cash value, maximum EUR 750 per claim
SourceRepair approval requirement
Not established from the insurer's documents
Policyholder must obtain VAV approval before repair or disposal of damaged vehicle, where reasonably feasible
SourceThird-party source, not the insurer's documentPreferred repair network benefit
VAV partners with MO'Drive network (40+ locations including Tesla Approved Body Shops) and GOODONE Schadenmeister; using these networks provides direct billing benefits and reduced deductibles
SourceGlass damage deductible waiver
Windscreen repair (without replacement) is covered without deductible; side and rear window glass repairs may have deductible waived with restricted deductible option
SourceClaim notification obligations
Not established from the insurer's documents
Specific claims must be reported to police within defined timeframes: theft, robbery, unauthorized use, parking damage, arson, explosion, animal collision, vandalism must be reported to nearest police station
SourceThird-party source, not the insurer's documentSubrogation and third-party recovery rights
Not established from the insurer's documents
VAV retains right to pursue recovery from third parties responsible for damage; policyholder must cooperate and may be required to assign claims
SourceThird-party source, not the insurer's documentReplacement value payment for total loss
For total loss, VAV pays replacement value (Wiederbeschaffungswert) - the cost to acquire an equivalent vehicle in same condition at time of loss, not depreciated book value
Source