Insurer profile
Lower Austrian Insurance Company AG (NV)
Lower Austrian Insurance Company AG (NV) · Austria
Overview
NV - Die Niederösterreichische Versicherung is a regional Austrian insurer headquartered in St. Pölten, active exclusively in the federal states of Lower Austria and Vienna, offering property, motor, life, health, accident and liability insurance through about 45 local customer offices.
Source28
Products in this market
3
Offer pages
Company details
- Parent group
- LK-NÖ Holding GmbH
- Regulator
- Austrian Financial Market Authority (FMA)
- Phone
- +43 2742 9013 0
- [email protected]
Products from Lower Austrian Insurance Company AG (NV)
Motor4
Motor Third-Party Liability Insurance
Mandatory third-party liability cover for motor vehicles, with combination discounts when bundled with other NV policies.
Motor Casco Insurance
Comprehensive and partial casco cover for damage to the insured's own vehicle.
Youth Motor Insurance Package
Special motor insurance package with combination benefits for young drivers under 25.
Vehicle Occupant Accident Insurance
Accident insurance for the driver and passengers of a vehicle, paid regardless of fault, in addition to statutory benefits.
Property8
Household Contents Insurance
Covers household contents against fire, burglary and glass breakage, with pets automatically included.
Home Building Insurance
Building insurance for owner-occupied homes, with the option to include liability cover for dogs and horses.
Shell Construction Insurance
Insurance cover for buildings during the construction phase before completion.
Multi-Family Building Comprehensive Insurance
Comprehensive building insurance for multi-family houses, condominium associations and terraced house developments.
Commercial Business Insurance
Business insurance package for small and medium-sized commercial enterprises.
Agricultural Business Insurance
Business insurance package designed for agricultural and farming operations.
Municipality Insurance
Complete insurance cover for all buildings and facilities of a municipality in a single policy.
Fire Brigade Insurance (Lower Austria)
Special insurance cover developed for Lower Austrian volunteer fire brigades.
Health5
Health Insurance (via partner Merkur)
Private health insurance offered together with partner Merkur Versicherung to improve provisions in case of illness.
Accident Insurance
Accident insurance providing financial support for permanent disability and other consequences of an accident.
Private Accident Insurance
Comprehensive private accident insurance with enhanced benefits (Unfallplus) for permanent disability and immediate injury payouts.
Agricultural Accident Insurance
Accident insurance tailored to farmers and agricultural workers.
Youth Accident Insurance
Accident insurance designed specifically for children and young people.
Liability5
Motor Legal Protection Insurance
Legal protection insurance covering legal costs arising from disputes related to the use of a motor vehicle.
Legal Protection Insurance
General legal protection insurance with optional extensions for criminal proceedings and other legal disputes.
Private Legal Protection
Legal protection cover for private individuals in everyday legal matters.
Property/Tenant Legal Protection
Legal protection insurance for property owners or tenants covering disputes related to real estate.
Hunting Insurance
Insurance for hunters including liability cover and accident insurance for hunting dogs during training.
Life3
Sustainable Unit-Linked Life Insurance
Fund-linked life insurance combining sustainable investment with death and survival benefits.
Death and Risk Protection
Term life insurance securing the financial basis of the family in the event of death, available also on a joint-life basis.
Pension Insurance
Private pension insurance product for retirement provision.
Regulatory updates
NV is supervised by the Austrian FMA and publishes annual Solvency and Financial Condition Reports as required under Solvency II. For fiscal year 2025 the company reported premium growth of 5.5% in property/accident and life insurance to EUR 458.9 million and a total premium volume of EUR 470.2 million, following a record flood-related claims burden of around EUR 90 million in September 2024. Effective 1 January 2026, Mag. (FH) Stefan Wukovitsch joined the management board as sales director, succeeding Bernhard Lackner, alongside CEO Stefan Jauk and board member Patrick Lachmann.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from NV for the Austria market, with 24/7 assistance.
Last verified Aug 26, 2026
Motor third-party liability
motor third-party liability insurance from NV for the Austria market, with online purchase and 24/7 assistance.
Last verified Sep 12, 2026
Travel insurance
travel insurance from Europäische Reiseversicherung for the Austria market, with online purchase and 24/7 assistance.
Last verified Aug 26, 2026