VLV Casco (own-damage car insurance) (Quattro Kasko)
Underwritten by Vorarlberger Landes-Versicherung V.a.G. · Austria
casco (own-damage car insurance) from VLV for the Austria market, with 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2023Sources
Unique selling points
Deductible is waived for windscreen and window repairs carried out without replacing the glass.
Includes cover of up to EUR 1,500 for personal or professional items lost through break-in theft from the vehicle.
Optional total-loss benefit for the Top-Schutz variant bases compensation on the original purchase price rather than the depreciated replacement value during the first years after first registration.
Optional extension available to cover damage from accidents caused by gross negligence, which standard casco terms otherwise restrict.
Top-Schutz customers get access to VLV's NotfallHilfe roadside assistance for both breakdowns and accidents.
Coverage limits
Own damage (collision/accident)
100% of insured sum
Only covered under the Top-Schutz (Kollisionskasko) variant: damage from an accident, i.e. a sudden event acting on the vehicle from outside with mechanical force; braking, operational and pure breakage damage remain excluded. Compensation is capped at the insured sum (list price incl. VAT and NoVA plus accessories), subject to reduction for underinsurance.
Section: Allgemeiner Teil > Artikel 1 - Was ist versichert?
durch Unfall, das ist ein unmittelbar von außen plötzlich mit mechanischer Gewalt einwirkendes Ereignis; Brems-, Betriebs- und reine Bruchschäden sind daher nicht versichert;
Total loss
100% of insured sum
Included in both variants: in case of total loss (vehicle destroyed, not recovered within one month, or repair cost plus residual value exceeds the replacement value), VLV pays the replacement value of an equivalent vehicle in the same condition of wear, less the agreed deductible; salvage remains with the policyholder and its value is deducted.
Section: Allgemeiner Teil > Artikel 7 - Welche Leistung erbringt der Versicherer?
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 costs
100% of insured sum
Included in both variants: if there is no total loss, VLV pays the actual repair costs on presentation of an invoice plus necessary transport costs for spare parts, and recovery/towing costs to the nearest suitable workshop; a new-for-old deduction applies only to tyres, battery and paintwork within the first three years for passenger cars/vans/light trucks.
Section: Allgemeiner Teil > Artikel 7 - Welche Leistung erbringt der Versicherer?
die Kosten der vorgenommenen Reparatur nach Vorlage einer Rechnung und die notwendigen einfachen Fracht- und sonstigen Transportkosten der Ersatzteile;
Theft and robbery
100% of insured sum
Included in both variants: cover for damage, destruction or loss of the vehicle through theft, embezzlement, robbery or unauthorised use by persons outside the household; a separate special condition adds cover up to EUR 1,500 for personal/professional items lost through break-in theft.
Section: Allgemeiner Teil > Artikel 1 - Was ist versichert?
durch Diebstahl, Unterschlagung, Raub oder unbefugten Gebrauch durch betriebsfremde Personen;
Glass damage
100% of insured sum
Included in both variants: breakage of windscreen, side and rear windows and the sliding sunroof/panoramic roof is covered regardless of cause; the deductible is waived if the repair is carried out without replacing the glass.
Natural hazards
100% of insured sum
Included in both variants: direct impact of lightning, rock fall, landslide, avalanche, snow pressure, hail, flood, inundation, mudslide and storm (wind over 60 km/h); also includes damage from objects thrown onto/against the vehicle by these forces.
Section: Allgemeiner Teil > Artikel 1 - Was ist versichert?
durch folgende Naturgewalten: unmittelbare Einwirkung von Blitzschlag, Felssturz, Steinschlag, Erdrutsch, Lawinen, Schneedruck, Hagel, Hochwasser, Überschwemmungen, Vermurungen und Sturm (wetterbedingte Luftbewegung von mehr als 60 km/h).
Vandalism / malicious acts
100% of insured sum
Only covered under the Top-Schutz (Kollisionskasko) variant: damage from spiteful or malicious acts of persons outside the household.
Section: Allgemeiner Teil > Artikel 1 - Was ist versichert?
durch mut- oder böswillige Handlungen betriebsfremder Personen.
Roadside assistance
Optional
Optional service offered with the Top-Schutz variant: if the journey cannot continue due to a breakdown (braking, operational or pure breakage damage) or an accident, VLV provides assistance under its NotfallHilfe service.
Section: Optional: Notfallhilfe
Können Sie wegen einer Panne (Brems-, Betriebs- oder reiner Bruchschaden) oder eines Unfalles Ihre Fahrt nicht fortsetzen, helfen wir Ihnen gerne im Rahmen unserer NotfallHilfe weiter.
Replacement vehicle
Excluded
Explicitly excluded in both variants: the insurer does not reimburse loss of use or the cost of a replacement vehicle.
Section: Allgemeiner Teil > Artikel 7 - Welche Leistung erbringt der Versicherer?
Nutzungsausfall oder Kosten eines Ersatzwagens ersetzt der Versicherer nicht.
Key conditions
Driver age and experience limit
No minimum driver age or driving experience is required for Casco cover.
Repair network requirements
No specific repair-shop network is prescribed; however, before starting repairs or otherwise disposing of the damaged vehicle, the policyholder must obtain VLV's consent insofar as this can reasonably be expected of them.
Anti-theft requirements
No specific anti-theft device (e.g. an immobiliser) is required by the sources; items in the vehicle are only covered while it is locked, and theft, robbery or unauthorised use must be reported to the nearest police station immediately.
Claim notification deadline
Any loss event, and the initiation of any related administrative or criminal proceedings, must be reported to VLV within one week of becoming aware of it.
Deductible rules
Benefits are reduced by the agreed deductible per vehicle and per claim; the deductible is waived for windscreen/window repairs carried out without replacing the glass.
Direct payment
Reimbursement-based: repair costs are paid against submission of an invoice, and costs beyond the standard scope of benefits are only reimbursed if incurred on VLV's express instruction.
Territorial scope
Cover applies throughout Europe in the geographical sense, in any case including the territory of the states that signed the multilateral agreement between the national insurance bureaus of 30 May 2002; the scope can be contractually extended.
Documents
IPID - Kfz-Kaskoversicherung Quattro Standard-Schutz (opens in a new tab)
Product information sheet · PDF
IPID - Kfz-Kaskoversicherung Quattro Top-Schutz (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions for Motor Casco Insurance (AKB 2023) (opens in a new tab)
Terms & conditions · PDF
Special Condition for Quattro Elemental Casco Insurance, Standard-Schutz (2023) (opens in a new tab)
Terms & conditions · PDF
Special Condition No. KK23 - Total Loss Compensation Cover, 48 Months (opens in a new tab)
Terms & conditions · PDF
QUATTRO Kasko product page (opens in a new tab)
Other document · PDF
Policy specifics
Total damage compensation coverage
Optional in Top-Schutz: for a total loss within 48 months of first registration, compensation is a percentage of the purchase price – 100% up to 24 months, 70% for months 25–36, 60% for months 37–48 (less deductible and salvage).
SourceClause BB KK23 Pkt. 1Page 1Section: Besondere Bedingung Nr. KK23 (Fassung 2011) > Totalschadenentschädigungsdeckung - 48 Monate
Zeitraum ab Tag der Erstzulassung Versicherungsleistung in % des Kaufpreises: Bis einschl. 24 Monate 100 %; Ab 25 Monate bis einschl. 36 Monate 70 %; Ab 37 Monate bis einschl. 48 Monate 60 %.
Partial value insurance
Option to self-determine the maximum compensation limit instead of using list new price as insurance sum
SourceSection: Produktinformation
können Sie bei der Teilwertversicherung die Entschädigungshöchstgrenze selbst bestimmen und dadurch noch mehr Beiträge sparen.
Gross negligence coverage
Optional extension to cover damages resulting from gross negligently caused accidents
SourceSection: Produktinformation
Ebenfalls optional besteht die Möglichkeit, die Leistung auf Schäden infolge grobfahrlässig herbeigeführter Unfälle zu erweitern.
Break-in theft of vehicle contents
Covers the loss, through break-in theft, of personal or professional items kept in the vehicle (excluding cash, valuables and securities) up to EUR 1,500 within the insured sum; underinsurance does not apply to this benefit.
SourceRepair approval requirement
Policyholder must obtain approval from VLV before repairs begin in case of claims
SourceSources
- vlv.athttps://www.vlv.at/downloads/ipid-kfz-kasko-2/(opens in a new tab)
- vlv.athttps://www.vlv.at/wp-content/uploads/2023/11/4505-IPID-Kfz-Kaskoversicherung-Standard-Schutz.pdf#page=2(opens in a new tab)
- vlv.athttps://www.vlv.at/wp-content/uploads/2023/11/4506-IPID-Kfz-Kaskoversicherung-Top-Schutz.pdf#page=2(opens in a new tab)
- vlv.athttps://www.vlv.at/wp-content/uploads/2023/11/7AKB-Allgemeine-Bedingungen-fuer-die-Kraftfahrzeug-Kaskoversicherung-Fassung-2023.pdf#page=1(opens in a new tab)
- vlv.athttps://www.vlv.at/wp-content/uploads/2023/11/7AKB-Allgemeine-Bedingungen-fuer-die-Kraftfahrzeug-Kaskoversicherung-Fassung-2023.pdf#page=2(opens in a new tab)