WIENER STÄDTISCHE Versicherung AG Vienna Insurance Group

Repair network requirements

No specific authorized repair network is prescribed. The policyholder must obtain the insurer's consent before starting repairs or disposing of the damaged vehicle, where reasonably possible, and must submit an invoice for the properly completed repair before payment becomes due.

Section: Artikel 7 > Was ist vor bzw. nach Eintritt des Versicherungsfalles zu beachten? (Obliegenheiten)

dass der Versicherungsnehmer vor Beginn der Wiederinstandsetzung bzw. vor Verfügung über das beschädigte Fahrzeug die Zustimmung des Versicherers einzuholen hat, soweit ihm dies billigerweise zugemutet werden kann.

Territorial scope

Cover applies to Europe in the geographical sense and to the territory of states that signed the 30 May 2002 EEA insurance bureaus agreement; cover during water transport is not interrupted if loading points are within scope.

Section: Artikel 3 > Wo gilt die Versicherung? (Örtlicher Geltungsbereich)

Der Versicherungsschutz erstreckt sich auf Europa im geographischen Sinn, jedenfalls aber auf das Gebiet jener Staaten, die das Übereinkommen ... vom 30. Mai 2002 ... unterzeichnet haben.

Claim notification deadline

The claim and any related administrative or court proceedings must be reported to the insurer within one week of becoming aware of them. Theft, robbery, unauthorized use, fire, explosion, collision with animals, or parking-damage incidents must additionally be reported to the nearest police station immediately.

Section: Artikel 7 > Was ist vor bzw. nach Eintritt des Versicherungsfalles zu beachten? (Obliegenheiten)

dem Versicherer längstens innerhalb einer Woche ab Kenntnis den Versicherungsfall unter möglichst genauer Angabe des Sachverhalts sowie die Einleitung eines damit im Zusammenhang stehenden Verfahrens mitzuteilen.

Deductible rules

A deductible applies per vehicle and per insured event, in the amount agreed at contract conclusion (EUR 400, EUR 750 or EUR 1,000, selected by the customer). If stolen/robbed items are recovered, the deductible is refunded up to the sale proceeds obtained.

Section: Artikel 8 > Was gilt im Fall einer Selbstbeteiligung?

Eine Selbstbeteiligung gilt für jedes Fahrzeug und für jeden Versicherungsfall mit dem jeweils vereinbarten Betrag.

Purchase Price Replacement Coverage (Kaufpreisersatzdeckung)

Optional additional coverage available in Vollkasko that reimburses the original purchase price instead of depreciated time value in case of total loss or theft

GAP Coverage / Leasing Residual Value Protection

Built-in optional coverage across all Kasko variants to cover the gap between insurer's payout (based on time value) and outstanding lease debt in total loss situations

Gross Negligence Coverage (Grobe Fahrlässigkeit)

Optional add-on coverage that extends protection to damage caused by gross negligence (e.g., driving on summer tires in winter, missing handbrake), which is typically excluded by insurers

Modern Crime Coverage (Signal Jamming Theft)

Optional add-on covering theft via signal-jamming break-ins that leave no visible forced-entry marks, closing a common coverage gap in standard theft policies

Light/Luxury Add-on Packages (Zusatzpakete Light/Luxus)

Selectable optional packages adding coverage for: small-glass breakage (windows, mirrors), break-in theft of personal items, lock-change costs, emblem/license-plate replacement, and rental car provision after vehicle theft

Reimbursement Model (Not Direct Settlement)

Insurance operates on reimbursement basis: policyholder arranges and pays for repair, then claims reimbursement from insurer. Not a direct-settlement model where insurer pays workshop directly

No Standalone Roadside Assistance

Policy does not include standalone breakdown/roadside assistance service. Only recovery and towing to nearest capable workshop as part of actual covered claim settlement is included

No Replacement Vehicle in Standard Coverage

Standard policy explicitly excludes cost of replacement/rental vehicle (Kosten eines Ersatzwagens ersetzt der Versicherer nicht). Rental car only available through optional Luxury add-on package, and only in case of vehicle theft

Territorial Scope: EEA and Signatory States

Cover applies to Europe in the geographical sense and territory of states that signed the 30 May 2002 agreement between national insurance bureaus of EEA member states and other associated states. Cover during water transport not interrupted if loading points within scope

Claim Notification Deadline: One Week

Claim and any related administrative/court proceedings must be reported to insurer within one week of becoming aware of them. Specific risks (theft, robbery, unauthorized use, fire, explosion, animal collision, parking damage) additionally require immediate police notification

Deductible Applies Per Vehicle, Per Event

Deductible applies per insured vehicle and per insured event (not per year or per policy). Standard amounts: EUR 400, EUR 750, EUR 1,000 at contract conclusion. If stolen/robbed items recovered, deductible refunded up to sale proceeds obtained

14-Day Cooling-Off Period

Policyholder may withdraw from contract without giving reasons within 14 days per Section 5c VersVG (Austrian Insurance Contract Act). Cooling-off period starts upon receipt of policy, terms, conditions, and withdrawal instructions; lapses latest one month after policy receipt. Does not apply to contracts with term less than 6 months

Deductible / Self-retention options

The customer chooses the deductible amount at contract conclusion: EUR 400, EUR 750 or EUR 1,000.

Section: Selbstbehalt – was ist das?

Die Höhe (EUR 400,–, EUR 750,– oder EUR 1.000,–) wählen Sie im Zuge des Vertragsabschlusses.

Parking damage and vandalism coverage (tier-based)

Parking damage (damage by unknown third-party vehicles while parked) and vandalism are included only in the Parkschadenkasko and Vollkasko tiers, not in eingeschränkte Teilkasko or Teilkasko.

Section: Unsere Produktlösungen > Deckungsumfang-Tabelle > Parkschaden und Vandalismus

Kollision des geparkten oder haltenden Fahrzeugs mit einem unbekannten Fahrzeug

Pre-inspection requirement for used vehicles

Not established from the insurer's documents

For used vehicles older than 2 years, a pre-inspection (Vorschadenbesichtigung) may be required before Kasko coverage is approved; until inspection is completed, a EUR 1,000 deductible applies to all claims.

Bei Gebrauchtwägen, die älter als 2 Jahre sind, wird für den Abschluss einer Kaskoversicherung eine Vorschadenbesichtigung verlangt.

Bonus-Malus System (No-claims discount)

The general Austrian bonus-malus system determines premium adjustment; a claim-free year improves the level, an at-fault claim worsens it.