Wiener Städtische
Wiener Städtische is a motor casco insurance for the Austria market with online purchase and limited assistance availability.
Direct payment
The insurer settles claims by reimbursing repair costs or, in the case of total loss, theft or robbery, by paying the replacement value; the policyholder must obtain the insurer's consent before starting repairs, and can obtain a reduced deductible by using one of the insurer's cooperation workshops.
Geographic scope
Europe (geographical sense)
Cover applies to Europe in the geographical sense, and in any case to the states that signed the multilateral Green Card agreement between the national insurance bureaus of the EEA member states and other associated states of 30 May 2002.
Unique selling points
- Optional Kaufpreisersatzdeckung reimburses the difference between the original purchase price and the vehicle's replacement value after a total loss or theft, for vehicles up to four years old.
- Marketing materials highlight that in a partial-loss claim the insurer typically replaces damaged parts with a new part (e.g. a new fender) rather than a used one.
- A 15% advance no-claims bonus can be requested on the comprehensive premium from the very start of a new policy, before any claims history has been built up.
- Repairing damage at one of the insurer's cooperation workshops reduces the policyholder's deductible.
- A Bonusretter add-on lets drivers protect their Bonus-Malus level (stages 0-3) after an at-fault claim for as little as EUR 2.50 per month.
Coverage limits
Own damage cover
Covered
Comprehensive (Vollkasko) covers the insured vehicle and its parts kept in the locked vehicle against damage, destruction and loss from the perils listed in the policy (accident, fire, theft, natural hazards, glass breakage, parking damage, vandalism, animal collision). No fixed sum insured is stated; the benefit is calculated per claim based on repair cost or replacement value.
Total loss
Covered
In case of total loss (vehicle destroyed, lost, or repair cost plus residual value exceeds replacement value), the insurer pays the replacement cost of an equivalent vehicle of the same type, quality and wear condition at the time of loss (Wiederbeschaffungswert), minus any residual value and agreed deductible.
Partial loss / repair costs
Covered
If no total loss occurs, the insurer covers restoration costs, necessary freight/transport costs for spare parts, and recovery/towing costs to the nearest suitable workshop. For cars/station wagons and trucks up to 1.5 tonnes payload, no age/wear deduction ("new for old") is applied to parts and paint costs.
Theft, robbery and unauthorized use
Covered
Covers theft, robbery and unauthorized use of the vehicle by persons outside the household/business. If a stolen/robbed item is recovered within one month of the claim notification, it remains the property of the policyholder; recovery costs are reimbursed up to a maximum of 2% of the replacement value without deduction of the deductible.
Glass breakage
Covered
Breakage of windscreen (front), side and rear windows as well as the panoramic glass roof is covered regardless of the cause of damage.
Natural hazards
Covered
Covers direct and indirect lightning strike (including damage to EV batteries connected to an external charging source), rockfall, landslide, mudslide, avalanche, snow pressure, hail, flooding, storm (wind over 60 km/h), roof avalanches, and falling icicles/ice formations from buildings.
Parking damage and vandalism
Covered
Covers collision of the parked/stopped vehicle with an unknown vehicle (parking damage) and malicious or spiteful acts by persons outside the household/business (vandalism).
Roadside assistance
No limit stated
Not part of the Vollkasko comprehensive product itself. The extended 24h roadside assistance (Pannenhilfe) is included only in the PREMIUM variant of the separate Kfz-Haftpflichtversicherung (MTPL) product.
Replacement vehicle
Excluded
The cost of a replacement/rental vehicle is explicitly not reimbursed by the insurer.
Driver/occupant accident cover
Optional
Not included in the Vollkasko product. Accident protection for the driver and occupants is offered as a separate, separately purchasable product, the Kfz-Insassenunfallversicherung (Lenker- und Insassenunfallversicherung), which pays out regardless of fault.
Key conditions
Driver age and experience limit
No specific age or driving-experience limit is imposed for comprehensive cover; the insurer is released from liability only if the driver lacked the legally required driving licence for the vehicle or was impaired by alcohol, medication or drugs at the time of the loss.
Repair network requirements
The policyholder must obtain the insurer's consent before starting repairs or disposing of the damaged vehicle, where reasonably possible. Repairing the vehicle at one of the insurer's cooperation workshops (Kooperationswerkstätten) reduces the deductible for private customers.
Territorial scope
Cover applies to Europe in the geographical sense, and in any case to the territory of the states that signed the multilateral Green Card agreement between the national insurance bureaus of the EEA member states and other associated states of 30 May 2002.
Anti-theft requirements
Cover for theft/loss applies to the vehicle and parts kept in the locked vehicle or attached to it. In the event of theft, robbery, unauthorized use, malicious damage, fire, explosion, animal collision or parking damage, the nearest police station must be notified immediately.
Claim notification deadline
The insurer must be notified of the loss, including precise details, and of any related administrative or court proceedings, within one week of the policyholder becoming aware. Theft, robbery, unauthorized use, malicious damage, fire, explosion, animal collision and parking damage must additionally be reported to the police immediately.
Deductible rules
A deductible (Selbstbeteiligung) applies per vehicle and per claim at the amount agreed in the policy. If stolen/robbed items that became the insurer's property are recovered, the deductible previously applied is refunded up to the sale proceeds achieved. Repairing at a cooperation workshop reduces the deductible for private customers.
Policy specifics
Accident damage (own fault)
Comprehensive (Vollkasko) covers damage to own vehicle including accidents caused by the policyholder's own fault
SourceTheft, robbery and unauthorized use
Comprehensive Casco covers vehicle theft, robbery, and unauthorized use by third parties
SourceNatural hazards
Comprehensive Casco covers damage from natural hazards including lightning strike, rockfall, landslide, avalanche, snow pressure, hail, flooding, storm, and roof avalanche
SourceFire and explosion
Comprehensive Casco covers damage from fire, combustion damage, and explosion
SourceGlass breakage
Comprehensive Casco covers breakage of front, side, rear windows and panoramic glass roof
SourceParking damage and vandalism
Comprehensive Casco covers parking damage (collision with unknown vehicle while parked) and malicious damage by third parties
SourceNo new-for-old deduction on parts/paint
For cars/station wagons and trucks up to 1.5 tonnes payload, no age- or wear-related deduction is made from the cost of spare parts and paintwork in a partial-loss claim.
SourcePurchase price replacement cover (optional)
Optional add-on to comprehensive cover that closes the gap between the vehicle's current value and its original purchase price in the event of total loss or theft; can be taken out for vehicles up to four years old and applies for up to 60 months.
SourceDeductible (self-participation)
Comprehensive Casco includes selectable deductible levels that policyholders must bear per claim. The policy specifies deductible requirements and how they apply.
SourceReplacement of damage (new part vs. used part)
In case of partial damage, the insurer typically replaces with a new part; total loss payment is based on current market value or agreed new/purchase price depending on coverage option
SourceBonus-Malus System
Wiener Städtische operates a Bonus-Malus system where premiums adjust based on no-claims history and damage claims. Policyholders can request advance bonus at new policy start.
SourcePre-damage inspection requirement
For used vehicles older than 2 years, Wiener Städtische requires a pre-damage inspection before comprehensive coverage commences
SourcePreferred workshop network
Wiener Städtische maintains a network of partner repair workshops where policyholders can have damage repaired with specific benefits
SourceSources
- https://durchblicker.at/downloads/autoversicherung/wstv
- https://www.wienerstaedtische.at/online-abschluss/leistungsuebersichten/auto-fahren/insassenunfallversicherung.html
- https://www.wienerstaedtische.at/privatkunden/auto-fahren/autoversicherung/kfz-kaskoversicherung.html
- https://www.wienerstaedtische.at/service/faq-auto-fahren.html
- https://www.wienerstaedtische.at/unternehmen/presse/pressemeldungen/detail/sicher-unterwegs-mit-der-kfz-kaufpreisersatzdeckung.html