Insurer profile
Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit)
Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit) · Austria
Overview
The Kärntner Landesversicherung (KLV) is an Austrian regional insurer with its registered office in Klagenfurt am Wörthersee, operating as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) primarily in the state of Carinthia, offering property, motor, accident, life, health and liability products for private and commercial customers through 14 local customer offices.
Source48
Products in this market
2
Offer pages
Company details
- Regulator
- Austrian Financial Market Authority (FMA)
- Phone
- +43 463 5818
- [email protected]
Products from Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit)
Motor
Agricultural Motor Vehicle Insurance
Motor insurance tailored to tractors and other agricultural vehicles.
Motor Third-Party Liability Insurance
Mandatory motor liability insurance covering damage caused to third parties.
Motor Comprehensive Insurance (Kasko)
Vehicle own-damage insurance offered as partial (Teilkasko) or fully comprehensive (Vollkasko) cover.
Motor Comprehensive Insurance (Vollkasko)
Fully comprehensive vehicle insurance covering own damage regardless of fault.
Motor Partial Comprehensive Insurance (Teilkasko)
Partial comprehensive vehicle insurance covering theft, glass, fire and natural hazard damage.
Motorcycle/Moped Insurance
Motor insurance for motorcycles and mopeds including liability and optional casco cover.
Classic Car Insurance
Motor insurance tailored to the special needs of classic and vintage vehicles.
KLV SofortHelfer for Motor Insurance
Digital assistance add-on service supporting customers with vehicle-related claims.
Occupant Accident Cover with KLV SofortHelfer
Occupant accident insurance combined with the KLV SofortHelfer digital assistance service.
Commercial Motor Vehicle Insurance
Motor insurance for company vehicle fleets, covering liability and own damage.
Property
Agricultural Insurance
Property insurance package for farms covering buildings, machinery and stock against fire, storm and other agricultural risks.
Hail Insurance
Crop insurance protecting agricultural production against hail damage.
Household Insurance
Home contents insurance covering fire, natural hazards, water damage and burglary, including private liability cover.
Home Building Insurance
Building insurance protecting owner-occupied homes against fire, storm, water and other structural risks.
Shell Construction Insurance
Insurance covering buildings under construction against fire, storm and other risks during the building phase.
KLV SofortHelfer Home
Digital assistance add-on service supporting customers with home-related claims and emergencies.
Commercial Insurance
Property and liability insurance package designed for the needs of businesses and self-employed people.
Transport Insurance
Insurance covering goods and cargo against loss or damage during transport.
Commercial Real Estate Insurance
Property insurance for businesses that own or professionally manage real estate.
Health
Agricultural and Forestry Accident Provision
Private accident insurance designed for farmers and forestry workers.
Vehicle Occupant Accident Insurance
Accident insurance covering the driver and passengers of a vehicle in the event of a traffic accident.
Accident Insurance
Private accident insurance providing financial protection in case of accidental injury or death.
Senior Accident Insurance
Accident insurance specifically designed for the needs of senior citizens.
KLV SofortHelfer Accident, Care & Rehabilitation
Digital assistance add-on service supporting customers after accidents and with care or rehabilitation needs.
Health Insurance
Private health insurance offered in cooperation with Merkur Versicherung, complementing statutory health cover.
Corporate Group Accident Insurance
Collective accident insurance for a company's employees.
Liability
Liability Insurance for Green Care Providers
Liability cover for farms offering Green Care social and therapeutic services to third parties.
Agricultural Legal Protection Insurance
Legal expenses cover for disputes arising from farming and forestry activities.
Vehicle Legal Protection Insurance
Legal expenses cover for disputes related to vehicle use and traffic incidents.
Private Liability Insurance
Private liability insurance covering damages caused to third parties in everyday life.
Commercial Liability Insurance
Liability insurance protecting businesses against claims for damages caused to third parties.
Commercial Legal Protection Insurance
Legal expenses insurance covering disputes arising from business operations.
Life
Agricultural and Forestry Life Provision
Life insurance provision products designed for farming and forestry families.
Term Life Insurance
Term life insurance protecting family, partner or a loan in case of death.
Loan Protection Insurance
Life insurance that covers the outstanding balance of a loan in the event of the borrower's death.
Funeral Provision Insurance
Life insurance product that provides financial provision to cover funeral costs.
Zukunftspolster - Fonds (Unit-Linked Provision)
Fund-linked life insurance savings and provision product, including salary conversion, term life, loan protection and funeral cover options.
Zukunftspolster - Klassik (Classic Provision)
Classic endowment life insurance savings product including single-premium and survival/death benefit options for retirement provision.
Endowment Insurance (Erlebensversicherung)
Endowment life insurance paying out a lump sum at the end of the policy term.
Single Premium Life Insurance (Einmalerlag)
Single-premium classic life insurance savings product.
Prize Savings Bond (Gewinnsparbrief)
Savings-oriented life insurance product combined with prize draw participation.
Endowment / Term Life Insurance (Er- und Ablebensversicherung)
Combined survival and death benefit life insurance for retirement and family provision.
Other
Youth Insurance
Bundled insurance package designed for the needs of children and young people.
Student Insurance
Insurance package tailored to the needs of students.
Kärntner Unternehmerin
Insurance package specifically designed for female entrepreneurs in Carinthia.
Municipality Insurance
Insurance package designed for the specific risks of municipalities in Carinthia.
Regulatory updates
KLV is supervised by the Austrian Financial Market Authority (FMA), based in Vienna, which oversees its licensed insurance operations. No public FMA sanctions or enforcement actions specifically against KLV were found. In 2024 the company celebrated its 125th anniversary and received an award of recognition from the city of Klagenfurt, and in early 2025 kununu named KLV a 'Top Company 2025' based on employee satisfaction ratings.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from KLV for the Austria market.
Last verified Aug 26, 2026
Motor third-party liability
motor third-party liability insurance from KLV for the Austria market.
Last verified Aug 26, 2026