Vorarlberger Landes-Versicherung V.a.G. (VLV)
VLV
VLV is a motor casco insurance for the Austria market with no online purchase and 24/7 assistance.
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; no direct-settlement repair-shop network is evidenced in the sources.
Geographic scope
Europe (in the geographical sense)
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.
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 in Top-Schutz
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.
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.
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.
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.
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.
Vandalism / malicious acts
100% of insured sum
Only in Top-Schutz
Only covered under the Top-Schutz (Kollisionskasko) variant: damage from spiteful or malicious acts of persons outside the household.
Roadside assistance
Optional
Only in Top-Schutz
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.
Replacement vehicle
Excluded
Explicitly excluded in both variants: the insurer does not reimburse loss of use or the cost of a replacement vehicle.
Driver accident cover
No limit stated
Not addressed in the casco sources reviewed (AKB 2023, IPIDs, Besondere Bedingungen); VLV offers a separate Quattro-Insassenunfallversicherung product which is outside the scope of these casco documents.
Key conditions
Driver age and experience limit
The sources reviewed do not specify any minimum driver age or minimum driving experience requirement 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.
Territorial scope
Cover applies throughout Europe in the geographical sense; the scope can be contractually extended.
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.
Documents
IPID - Kfz-Kaskoversicherung Quattro Standard-Schutz
IPID
IPID - Kfz-Kaskoversicherung Quattro Top-Schutz
IPID
General Terms and Conditions for Motor Casco Insurance (AKB 2023)
Terms & conditions
Special Condition for Quattro Elemental Casco Insurance, Standard-Schutz (2023)
Terms & conditions
Special Condition No. KK23 - Total Loss Compensation Cover, 48 Months
Terms & conditions
QUATTRO Kasko product page
Other document
Policy specifics
Total damage compensation coverage
Optional benefit in top-protection variant: During first 2 years after first registration, purchase price is used as basis for calculating replacement benefits instead of replacement value
SourcePartial value insurance
Option to self-determine the maximum compensation limit instead of using list new price as insurance sum
SourceGross negligence coverage
Optional extension to cover damages resulting from gross negligently caused accidents
SourceBreak-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
Source